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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Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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Last Updated: 5/16/2022
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On average, GEICO is the cheapest company in Gainesville for full-coverage and state-minimum policies. However, State Farm offers the cheapest coverage, on average, for drivers with a speeding ticket on their records.

The cheapest option for you depends on your elected coverage and profile. USAA features the lowest premiums, on average, in the city, but its policies only apply to members of the military and their families. Regarding affordability and service, MoneyGeek rated Esurance as the best overall company.

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The Cheapest and Best Car Insurance in Gainesville

The Cheapest Car Insurance Companies in Gainesville

MoneyGeek researched the cheapest companies for full-coverage policies in Gainesville. On average, the most affordable providers are:

  • GEICO: $953 per year
  • State Farm: $1,086 per year

Drivers who have a military background, along with their families, can qualify for USAA policies. This provider delivers the cheapest policies in the city at an average cost of $608 per year.

In Gainesville, GEICO offers the most affordable auto insurance policies, on average — approximately 74% less expensive than the policies offered by Progressive, the most expensive company in the city. Full coverage includes both comprehensive and collision insurance. Costs depend on the amount of liability insurance you add to your policy.

Cheapest Car Insurance in Gainesville
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    USAA
    $608
  • 2.
    GEICO
    $953
  • 3.
    State Farm
    $1,086
  • 4.
    MetLife
    $1,289
  • 5.
    Travelers
    $1,388
  • 6.
    Allied
    $1,515
  • 7.
    Mercury
    $1,558
  • 8.
    Allstate
    $1,647
  • 9.
    Progressive
    $1,663

For this guide, MoneyGeek collected average rates for a 40-year-old male driver in Gainesville seeking a full-coverage policy. Our methodology page provides more insight into our analysis.

While full coverage costs more than a policy that only meets state minimums, a full-coverage policy includes comprehensive and collision insurance, which provides more protection to pay for vehicle repair/replacement.

  • Comprehensive Coverage: This protection covers the cost of vehicle repairs or replacement in case it gets damaged in any incident, including theft and arson.
  • Collision Coverage: If your vehicle is damaged in case of an at-fault accident, this insurance helps you pay for its repairs or replacement.

If you have an older car, a full-coverage policy may cost you more than the actual value of your vehicle. In this scenario, it may benefit drivers to consider state-minimum coverage.

Compare Car Insurance Rates in Gainesville

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

Cheapest Car Insurance in Gainesville for Minimum Coverage

In Gainesville, the cheapest available auto insurance option is a policy that only meets state minimums. MoneyGeek's research revealed that the following companies offer the most affordable minimum-coverage policies in the city, on average:

  • GEICO: $427 per year
  • State Farm: $542 per year

If you have a military background, you may qualify for the policies offered by USAA — the cheapest insurance company in the city — at an average cost of $266 per year.

For all other drivers, GEICO’s policies are the cheapest in Gainesville. On average, GEICO's liability-only insurance costs $590 less than comparable coverage offered by Progressive, the most expensive company in the city.

While minimum coverage is a more affordable option, its low levels of liability protection and lack of other coverage leave you at risk of being underinsured after an accident.

Toggle the table below to see how costs vary with different levels of coverage.

Cheapest Minimum Liability Car Insurance in Gainesville
State Minimum

In Florida, drivers must have an auto insurance policy with at least $10,000 worth of PIP coverage and $10,000 worth of property damage liability. This is the cheapest available auto insurance option in the state.

While this policy will help you save money on your monthly car insurance costs, you would have to pay more out of pocket in case of an accident. For example, if the property damage costs following an accident total $20,000, you would have to pay the remaining $10,000 yourself.

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.

Cheapest Car Insurance in Gainesville if You Have Driving Violations

If you have driving violations like a DUI, an at-fault accident or a speeding ticket on your record, it can significantly raise your car insurance costs. MoneyGeek researched the following cheapest companies depending on each violation:

  • Cheapest After a Speeding Ticket: State Farm, $1,163 per year
  • Cheapest After a DUI: State Farm, $1,163 per year
  • Cheapest After an At-Fault Accident: State Farm, $1,241 per year

If you have a military background and driving violations like a DUI, speeding ticket or an at-fault accident on your record — USAA would be the most affordable option for you.

Drivers with a poor record can find cheaper car insurance rates by improving their record over time. Meanwhile, it’s best to shop around and compare rates from different companies to find the best deal.

Cheapest Car Insurance in Gainesville With a Violation
Speeding Ticket

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%.

Personalized Quotes to Get You the Cheapest Car Insurance in Gainesville

While looking for cheap car insurance in Gainesville, comparing quotes from different auto insurance 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.

Compare Car Insurance Rates in Gainesville

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

The Best Car Insurance Companies in Gainesville

If you are looking for a balance of cost and quality service, MoneyGeek’s research revealed 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. However, its policies are 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:82.5

3/5

Affordability

4/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

6
Hartford
Score:82.5

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:77.5

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A-

Financial Stability

10
Nationwide
Score:77.5

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

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
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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.

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.