Compare the Cheapest Car Insurance Quotes in Gainesville

In Gainesville, car insurance costs an average of $1,387 per year, 37.2% less than the state average. MoneyGeek scored car insurance companies in Gainesville across varying coverage levels and driving profiles. The cheapest widely-available insurer in the city is GEICO, at $953 per year on average. MoneyGeek also ranked companies that balanced affordability with quality service to find the best car insurance companies in Gainesville.

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The Cheapest and Best Car Insurance in Gainesville

The Cheapest Car Insurance Companies in Gainesville

While looking for the best car insurance policy in Gainesville, the most affordable providers to consider for full coverage are, on average:

  • USAA: $608 per year (available to military members and their families only)
  • GEICO: $953 per year

Cost is one of the most essential factors to consider when getting car insurance in Gainesville. If you get your policy from Progressive, which is the most expensive, you will pay an average of $1,663 per year. This is 173.5% higher than the cheapest coverage, USAA, and 74.5% than the second-cheapest provider, GEICO.

These figures represent the cost of a full coverage policy belonging to a 40-year-old male driver. In this scenario, the policy features liability coverage, as well as comprehensive and collision insurance that caters to any damages to your own vehicle.

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Average Cost of Car Insurance in Gainesville

Gainesville$1,387
Florida$2,208
U.S.$1,424

Car insurance in Gainesville costs less than both the state and the national average. Residents pay an average of $1,387 per year. This amount is lower than the state average of $2,208 by 37.2%. It is also lower than the national average of $1,424 by 2.6%.

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The Best Car Insurance Companies in Gainesville

If you are looking for a balance of cost and quality service, MoneyGeek’s research found that the best car insurance companies in Gainesville are:

  • Esurance: MoneyGeek score of 95 out of 100
  • GEICO: MoneyGeek score of 85 out of 100

In Gainesville, the best provider is USAA, but it is only available to military persons and their families.

MoneyGeek used factors like J.D. Power’s financial stability, user satisfaction and affordability to rate the best car insurance providers in Gainesville.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Esurance
Score:95

5/5

Affordability

4/5

Claims Ratings

5/5

User Satisfaction

A+

Financial Stability

3
GEICO
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

4
Travelers
Score:85

3/5

Affordability

4/5

Claims Ratings

2/5

User Satisfaction

A++

Financial Stability

5
MetLife
Score:83

3/5

Affordability

4/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

6
Hartford
Score:83

2/5

Affordability

5/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

7
Liberty Mutual
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

8
Auto-Owners Insurance Co
Score:80

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A++

Financial Stability

9
State Farm
Score:78

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A-

Financial Stability

10
Nationwide
Score:78

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

11
Progressive
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

12
Safeco
Score:75

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

Personalized Quotes to Get You the Cheapest Car Insurance in Gainesville

While looking for cheap car insurance in Gainesville, comparing quotes from different providers on a regular basis can help you get the cheapest coverage for your needs, as well as attractive discount opportunities. Auto insurance costs in the city vary based on several factors, such as your credit score, location, marital status and miles driven per year. That means you may end up paying more or less than the state’s average cost of $1,387.

Shopping around for car insurance in Gainesville could save you $434, which is enough to buy:


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145Cups of Coffee
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33Months of Your Favorite Streaming Service

Cheapest Car Insurance in Gainesville by Coverage Amount

In Gainesville and elsewhere, car insurance costs vary significantly based on the level of coverage you choose. The cheapest insurance in Gainesville is a state minimum liability-only policy, which costs an average of $693 per year. On the other hand, a full coverage policy with higher limits costs roughly $695 more, at an average of $1,387 per year.

Florida Minimum Liability Requirements

  • Item
    Description
  • Property Damage
    $10,000 for property damage. A more protective level is 100/300/100.
  • Personal Injury Protection
    $10,000 per person.

Choosing the right coverage amount is key to meeting your car insurance needs. Insurance companies in Gainesville charge different rates for different coverage amounts. While the state minimum liability-only policy is the cheapest car insurance in Gainesville, it provides the lowest legal limits.

GEICO, the cheapest widely available insurer in the city, charges roughly $427 per year for the state minimum car insurance coverage.

A 50/100/50 liability-only policy costs $190 more than the state minimum policy. In comparison, a 50/100/50 full coverage policy costs $425 more than the state minimum but covers your costs in case of an at-fault accident.

For a full coverage policy, the 100/300/100 policy offers more coverage and only costs $101 higher than the 50/100/50 full coverage policy.

Average Car Insurance Premiums: Liability-Only vs. Full Coverage

Liability Only
Full Coverage
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Cheapest Car Insurance in Gainesville if You Have Driving Violations

If you have a history of traffic violations such as speeding tickets and DUIs in Gainesville, you may end up paying more for your car insurance. For example, a State Farm policy for a clean driver costs an average of $1,086 per year and $77 more if you have either a speeding ticket or DUI. Drivers with at-fault accidents pay the highest rates, at $155 more than what drivers with a clean history pay per year.

  • Company
    Speeding Ticketper year
    At-Fault Accidentper year
    DUIper year
  • 1.
    USAA
    $668
    $782
    $1,082
  • 2.
    State Farm
    $1,163
    $1,241
    $1,163
  • 3.
    GEICO
    $1,667
    $1,317
    $2,087
  • 4.
    MetLife
    $1,515
    $1,735
    $2,909
  • 5.
    Allstate
    $1,647
    $2,182
    $2,111
  • 6.
    Travelers
    $1,919
    $1,961
    $2,647
  • 7.
    Allied
    $1,917
    $2,036
    $2,951
  • 8.
    Progressive
    $2,322
    $2,666
    $2,103
  • 9.
    Mercury
    $2,317
    $2,947
    $2,718

Average Cost of Car Insurance by Postal Code

Your neighborhood partly influences how much you pay for car insurance in Gainesville. If you stay in a neighborhood that is prone to accidents, theft and similar incidents, you are likely to pay more for your car insurance. However, the two ZIP codes analyzed by MoneyGeek, 32607 and 32608, have the same average car insurance rates.

  • Zip Code
    State Minimumper year
  • 32607
    $1,387
  • 32608
    $1,387

Factors That Impact Insurance Costs in Gainesville

In addition to individual driver needs and history, location-specific factors like personal injury protection coverage requirements and the percentage of uninsured motorists also contribute to car insurance rates in Gainesville. How Gainesville ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities69th/300
handcuffs2 icon
Most Car Thefts117th/300
uninsured icon
Most Uninsured Motorists by State1st/50
insurance2 icon
Personal Injury Protection RequiredYes
rain icon
Most Annual Rainfall48th/300
umbrella icon
Most Rainy Days102nd/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Gainesville are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

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About the Author


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The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers includes mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.