Cheapest and Best Car Insurance in Gainesville, FL (2023)

The cheapest provider for you may vary depending on your unique driver profile and needs. State Farm is a great option for full coverage, drivers with offenses and military members. Teenagers might consider Nationwide to keep their costs down, while GEICO is best for minimum coverage. If you’re more concerned with customer service, Travelers is the best option.

The following are the insurance providers in Gainesville that provide the least expensive basic policies:

• GEICO: approximately $378 per year
• State Farm: approximately $384 per year

Direct General Insurance is the priciest option, at around $990 annually. GEICO also has the lowest rates for auto insurance in Florida, at around $485 annually.

A Florida driver must have liability insurance for property damage and personal injury protection in order to meet the state's minimum insurance requirements:

• $10,000 property damage liability per accident
• $10,000 personal injury protection

If the policyholder causes an accident and is found financially liable for the medical expenses of another party, the insurer will pay for up to $10,000 in costs for physical injuries sustained in a single incident. In the event the costs exceed this limit, the policyholder will have to pay the extra expenses out of pocket.

The most affordable full coverage in Gainesville is offered by the following companies:

• State Farm: approximately $865 per year
• GEICO: approximately $933 per year

Full coverage vehicle insurance from Allstate costs roughly $1,850 per year, the most expensive rate of any company we looked at. State Farm also offers the most competitive rates for full coverage vehicle insurance in Florida, at around $1,850 annually.

Comprehensive and collision coverage are both components of a full coverage auto insurance policy.

• Collision Insurance: Having collision insurance means you won't have to worry about paying for damages to your vehicle if you are at fault in an accident.
• Comprehensive Insurance: Losses due to fire, vandalism and theft are compensated for by comprehensive insurance.

Full coverage insurance may not be worthwhile for vehicles that are older since the cost of the policy may end up exceeding the value of the car.

Gainesville drivers with violations may get the best rates on auto insurance with the following companies:

• Speeding ticket: State Farm (approximately $971 per year)
• At-fault accident: State Farm (approximately $1,051 per year)
• DUI: State Farm (approximately $971 per year)

Allstate offers the most expensive for those with at-fault accidents (around $3,276 annually) and DUIs (roughly $2,494 annually), while Mercury has the highest price tag for those with speeding tickets (around $1,970). Poor driving records can impact car insurance premiums, and the most affordable company’s costs for violations are generally not cheap when compared to rates for drivers with good driving records.

Even for the most affordable vehicle insurance for drivers with offenses, costs tend to rise as the severity of the violation does. In Gainesville, receiving a speeding ticket raises your rates by around $363 annually, while getting a DUI can increase your rates by roughly $628 annually.

The most budget-friendly Gainesville auto insurance providers for adding a young driver to the family policy include:

• Nationwide: approximately $3,006 per year for male teens; $2,669 for female teens
• GEICO: approximately $3,332 per year for male teens
• State Farm: approximately $3,177 per year for female teens

Travelers and Farmers have the highest rates, at around $5,108 per year for males and $4,595 per year for females, respectively. Since males are considered to be riskier drivers, insurance for male teens is more expensive. For the cheapest provider, male teens spend an average of $357 more than females. This disparity starts to narrow as the drivers reach adulthood.

Getting teenagers a cheap car insurance policy is often more expensive than simply including them on an existing family plan. In Gainesville, for instance, a male teen may see around a $4,940 increase in rates if he buys his own insurance as opposed to remaining on his parent's plan.

The following Gainesville insurers provide the cheapest rates on auto insurance for military veterans and their families:

• State Farm: approximately $865 per year
• GEICO: approximately $933 per year

For the minimum coverage, GEICO takes first place at around $378. State Farm follows closely at roughly $384 annually.

USAA is also a popular option because of its military-tailored financial services.

Getting an online auto insurance quotation in Gainesville might take as much as 15 minutes and require a lot of personal information. To compare rates, you’d need to repeat the process for many insurers.

Simply entering information about yourself and your vehicle, as well as your age, policy limits and driving history, into our auto insurance calculator will give you a ballpark estimate of your costs in a few seconds.

The best car insurance company will depend on your priorities. These are the best providers in Gainesville for different categories:

• Best overall: State Farm (MoneyGeek score 76 out of 100)
• Best for service: Travelers (MoneyGeek score 60 out of 100)
• Best cheap: State Farm (MoneyGeek score 78 out of 100)

MoneyGeek scores for providers can change according to which category they are being scored in. The best overall in Gainesville is State Farm, which is also the best auto insurance in Florida.

The best overall car insurance companies in Gainesville are:

• State Farm: MoneyGeek score 76 out of 100 (approximately $865 per year)
• GEICO: MoneyGeek score 73 out of 100 (approximately $933 per year)

State Farm scored well for satisfaction and affordability. This shows the insurer’s ability to maintain the balance necessary for being the best provider overall.

Excluding pricing from our assessment approach, the Gainesville firms with the greatest customer service are:

• Travelers: MoneyGeek score 60 out of 100 (approximately $1,349 per year)
• State Farm: MoneyGeek score 58 out of 100 (approximately $865 per year)

Travelers outshines other companies with its comprehensive coverage and good service. The insurer does charge higher rates, which means you’ll pay more for the excellent service you’ll receive.

Based on the quality and affordability of minimum coverage requirements from providers in the city, the top insurers are:

• State Farm: MoneyGeek score 78 out of 100 ($384 per year)
• GEICO: MoneyGeek score 78 out of 100 ($378 per year)

Cheap car insurance policies in Gainesville are a great way to get the minimum amount of protection you need at a low price. Many cheap car insurance policies offer lower rates but less protection against liability costs.

The average cost of car insurance in Gainesville for full coverage is $1,367 as of October 2022. This price gives policyholders full coverage with $100,000 bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.

Compared to Florida’s average cost of insurance of $1,935, the insurance for this state is around $569 cheaper. Gainesville insurance is $102 more costly than the national average. Location is one of many factors impacting car insurance premiums.