Compare the Cheapest Car Insurance Quotes in Gainesville, FL

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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Last Updated: 12/2/2022
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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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2022

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.

Although 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: covers the cost of vehicle repairs or replacement in case it gets damaged in any incident, including theft and arson
  • Collision coverage: pays for the repairs or replacement if your vehicle is damaged in case of an at-fault accident

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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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.

Although 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 personal injury protection coverage and $10,000 worth of property damage liability. This is the cheapest available auto insurance option in the state.

Although 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 an at-fault accident: State Farm, $1,241 per year
  • Cheapest after a DUI: State Farm, $1,163 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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The Best Car Insurance Companies in Gainesville

To determine the best car insurance companies in Gainesville, MoneyGeek evaluated their average premiums, customer satisfaction scores and claims ratings. At the top of the list are:

  • GEICO: MoneyGeek score of 78.4 out of 100
  • State Farm: MoneyGeek score of 73.2 out of 100

USAA also made it to the top of our list, with a perfect score of 100. However, because its policies are only available to current or former military members and their families, we excluded it from our top two rankings.


1
GEICO
Score:78

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

Geek Quick Take
Geek Quick Take

GEICO's claims, customer satisfaction and financial stability scores are excellent. On average, a full coverage GEICO policy costs $953 per year for a 40-year-old Gainesville driver with a clean record. The company also offers unique add-ons, such as mechanical breakdown insurance.

More About GEICO

GEICO offers a variety of coverage options to supplement your policy, including roadside assistance, rental car and/or travel reimbursement, accident forgiveness and mechanical breakdown insurance. Mechanical breakdown insurance, for instance, covers more parts and systems than the average dealer extended warranty at a more affordable price. GEICO also offers roadside assistance and rental car reimbursement. The former covers flat tires, towing and lockouts, whereas the latter reimburses you for the cost of renting a vehicle if your car isn't drivable for more than 24 hours.

Read MoneyGeek's GEICO auto Insurance Review
2
State Farm
Score:73

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A-

Financial Stability

Geek Quick Take
Geek Quick Take

State Farm scored high on customer satisfaction and claims. A full coverage policy costs an average of $1,086 per year in Gainesville. Drivers can add rideshare insurance to complement existing policies.

More About State Farm

As the second-best auto insurance company in Gainesville, State Farm ranks consistently well across categories. This insurer offers several policy add-ons, such as roadside assistance, rental car reimbursement and rideshare insurance. Rideshare insurance is a rare add-on that covers gaps between your personal and commercial policies while you’re working for a rideshare company.

Read MoneyGeek's State Farm auto Insurance Review

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
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Most Annual Rainfall48th/300
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Most Rainy Days102nd/300

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.