Best Gainesville, Florida Auto Insurance in 2024
The average Gainesville, FL auto insurance rates are $291 per month. The minimum auto insurance in Gainesville is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in Gainesville, Florida, compare quotes from multiple companies.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
UPDATED: Sep 8, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 8, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The minimum auto insurance required in Gainesville, Florida is 10/20/10
- Average auto insurance rates in Gainesville, FL for senior drivers are $2,134 per year
- The cheapest auto insurance company in Gainesville is USAA
Gainesville, Florida auto insurance requirements are 10/20/10 according to Florida auto insurance laws. Finding cheap auto insurance in Gainesville can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Gainesville, Florida, including driving record, credit, commute time, and more.
Compare auto insurance in Gainesville to other Florida cities, including Miami auto insurance rates, Port St. Lucie auto insurance rates, and Orlando auto insurance rates to see how Gainesville, Florida auto insurance rates stack up.
Before you buy Gainesville, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Gainesville, Florida auto insurance quotes.
Minimum Auto Insurance in Gainesville, Florida
Gainesville, Florida auto insurance laws require that you have at least the Florida minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Gainesville, Florida.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $10,000 per person $20,000 per accident |
| Property Damage Liability Coverage | $10,000 minimum |
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Cheap Gainesville, Florida Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Gainesville, Florida are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $3,570 | $3,411 | $3,097 | $3,144 | $11,969 | $12,898 | $3,591 | $3,650 |
| Geico | $2,345 | $2,353 | $2,199 | $2,199 | $4,228 | $5,325 | $2,584 | $2,621 |
| Liberty Mutual | $2,753 | $2,753 | $2,536 | $2,536 | $5,633 | $8,588 | $2,753 | $3,673 |
| Nationwide | $2,251 | $2,231 | $2,017 | $2,086 | $5,363 | $6,630 | $2,478 | $2,591 |
| Progressive | $2,610 | $2,484 | $2,278 | $2,423 | $7,211 | $7,912 | $3,132 | $3,044 |
| State Farm | $1,685 | $1,685 | $1,533 | $1,533 | $4,897 | $6,274 | $1,863 | $2,012 |
| USAA | $1,237 | $1,217 | $1,152 | $1,144 | $4,186 | $4,885 | $1,543 | $1,667 |
Cheap Gainesville, Florida Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Gainesville, Florida is a challenge. Take a look at the annual teen auto insurance rates in Gainesville, Florida.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $11,969 | $12,898 |
| Geico | $4,228 | $5,325 |
| Liberty Mutual | $5,633 | $8,588 |
| Nationwide | $5,363 | $6,630 |
| Progressive | $7,211 | $7,912 |
| State Farm | $4,897 | $6,274 |
| USAA | $4,186 | $4,885 |
Cheap Gainesville, Florida Auto Insurance for Seniors
What are senior auto insurance rates in Gainesville, Florida? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,097 | $3,144 |
| Geico | $2,199 | $2,199 |
| Liberty Mutual | $2,536 | $2,536 |
| Nationwide | $2,017 | $2,086 |
| Progressive | $2,278 | $2,423 |
| State Farm | $1,533 | $1,533 |
| USAA | $1,152 | $1,144 |
Cheap Gainesville, Florida Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Gainesville, Florida compared to the annual auto insurance rates with a clean record in Gainesville, Florida.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,907 | $5,848 | $6,479 | $5,431 |
| Geico | $2,070 | $2,652 | $3,959 | $3,246 |
| Liberty Mutual | $2,878 | $3,670 | $5,218 | $3,847 |
| Nationwide | $2,752 | $3,006 | $4,019 | $3,047 |
| Progressive | $3,097 | $4,519 | $3,819 | $4,111 |
| State Farm | $2,459 | $2,911 | $2,685 | $2,685 |
| USAA | $1,669 | $2,057 | $3,041 | $1,749 |
Cheap Gainesville, Florida Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Gainesville, Florida is not easy. Compare the annual rates for DUI auto insurance in Gainesville, Florida to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $6,479 |
| Geico | $3,959 |
| Liberty Mutual | $5,218 |
| Nationwide | $4,019 |
| Progressive | $3,819 |
| State Farm | $2,685 |
| USAA | $3,041 |
Cheap Gainesville, Florida Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Gainesville, Florida annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $7,908 | $5,012 | $4,079 |
| Geico | $4,357 | $2,625 | $1,963 |
| Liberty Mutual | $4,981 | $3,699 | $3,030 |
| Nationwide | $3,983 | $2,953 | $2,683 |
| Progressive | $5,077 | $3,584 | $2,999 |
| State Farm | $3,654 | $2,413 | $1,988 |
| USAA | $3,453 | $1,696 | $1,238 |
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Cheap Gainesville, Florida Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Gainesville, Florida can vary. Compare the annual cost of auto insurance by ZIP code in Gainesville, Florida to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 32601 | $2,696 |
| 32603 | $2,698 |
| 32605 | $2,698 |
| 32606 | $2,698 |
| 32607 | $2,698 |
| 32608 | $2,698 |
| 32609 | $2,696 |
| 32610 | $2,706 |
| 32611 | $2,698 |
| 32612 | $2,697 |
| 32641 | $2,696 |
| 32653 | $2,698 |
Cheap Gainesville, Florida Auto Insurance Rates By Commute
Commute length and annual mileage affect Gainesville, Florida auto insurance. Find the cheapest annual Gainesville, Florida auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $5,504 | $5,828 |
| Geico | $2,967 | $2,996 |
| Liberty Mutual | $3,782 | $4,024 |
| Nationwide | $3,206 | $3,206 |
| Progressive | $3,887 | $3,887 |
| State Farm | $2,598 | $2,773 |
| USAA | $2,105 | $2,153 |
Cheap Gainesville, Florida Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Gainesville, Florida? Check out the comparison of annual Gainesville, Florida auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,553 | $5,918 | $6,528 |
| Geico | $2,489 | $3,080 | $3,376 |
| Liberty Mutual | $3,571 | $3,959 | $4,179 |
| Nationwide | $2,537 | $3,332 | $3,749 |
| Progressive | $3,317 | $3,969 | $4,373 |
| State Farm | $2,290 | $2,748 | $3,018 |
| USAA | $1,865 | $2,198 | $2,325 |
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Best By Category: Cheapest Auto Insurance in Gainesville, Florida
Compare the cheapest auto insurance companies in Gainesville, Florida in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
The Cheapest Gainesville, Florida Auto Insurance Companies
What auto insurance companies in Gainesville, Florida are the cheapest? Compare the top Gainesville, Florida auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,666 |
| Geico | $2,982 |
| Liberty Mutual | $3,903 |
| Nationwide | $3,206 |
| Progressive | $3,887 |
| State Farm | $2,685 |
| USAA | $2,129 |
What affects auto insurance rates in Gainesville, Florida?
There are a lot of reasons why auto insurance rates in Gainesville, Florida are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Gainesville, Florida. Many local factors may affect your Gainesville auto insurance rates.
Gainesville Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Gainesville, Florida auto theft statistics, there have been 432 auto thefts in the city.
Gainesville Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Gainesville, Florida commute length is 19.1 minutes according to City-Data.
Gainesville Traffic
How does Gainesville, Florida rank for traffic? According to Inrix Gainesville, Florida is the 462nd most congested worldwide.
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Compare Gainesville, Florida Auto Insurance Quotes
Before you buy Gainesville, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Gainesville, Florida auto insurance quotes.
Frequently Asked Questions
Is auto insurance mandatory in Gainesville, FL?
Yes, auto insurance is mandatory in Gainesville, FL, as it is in the entire state of Florida. Florida law requires all drivers to carry minimum liability coverage to help pay for damages or injuries caused to others in an accident.
What does liability coverage mean?
Liability coverage is the portion of your auto insurance policy that helps pay for injuries or property damage you cause to others in an accident. It typically includes two components: bodily injury liability, which covers medical expenses and legal costs, and property damage liability, which covers damage to someone else’s property.
What factors can affect my auto insurance premium in Gainesville, FL?
Several factors can influence your auto insurance premium in Gainesville, FL, including your age, driving history, type of vehicle, location, credit history, and coverage limits. Additionally, factors like your deductible amount, optional coverage choices, and discounts can also impact your premium.
Are there any discounts available for auto insurance in Gainesville, FL?
Yes, insurance companies often offer various discounts that can help lower your auto insurance premium. Some common discounts include safe driver discounts, good student discounts, multi-vehicle discounts, bundling policies, and anti-theft device discounts. It’s best to check with your insurance provider to see which discounts you may qualify for.
What should I do if I’m involved in an auto accident in Gainesville, FL?
If you’re involved in an auto accident in Gainesville, FL, make sure to prioritize safety first. Check if anyone is injured and call for medical assistance if needed. It’s important to exchange information with the other parties involved, such as names, contact details, and insurance information. Notify your insurance company about the accident as soon as possible to initiate the claims process.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.