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Gainesville, FL Car Insurance

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How Much Does Car Insurance Cost in Gainesville?

The auto insurance average rate in Gainesville is $1,827 per year. It is almost the same as the state’s average rate of $2,297 but more expensive than the nation’s average of $1,541. However, different aspects are evaluated when insurers calculate your car insurance quote. Your marital status, driving history, credit tier, age, and location are the most common aspects that influence your annual car insurance cost. Thus, every person gets a unique car insurance rate in Gainesville.

If you want to earn savings on your car insurance in Gainesville, then it is best to compare the rates of different companies. Hence, closely compare rates from different insurance companies in Gainesville according to your location, age, driving history, credit tier, and marital status and choose one that best fits your driving history.

Gainesville Car Insurance Costs by Company

Every car insurance company in Gainesville has different policies and rates. State Farm offers the cheapest car insurance in Gainesville with an average rate of $1,631 annually. Maintaining a clean driving history will keep your car insurance rates to stay on the average.

Insurance CompanyAnnual RateMonthly Rate
State Farm$1,270$106
GEICO$1,666$139
MetLife$1,786$149
Progressive$1,988$166
Allstate$2,714$226

Florida Cheapest Car Insurance Rates For Minimum Coverage

If you are looking for a car insurance company in Florida that offers the cheapest car insurance cost with minimum car insurance coverage, then there are few companies that provide minimum coverage at a competitive price. State Farm by far offers the best deal when it comes to purchasing car insurance with minimum coverage.

Insurance CompanyAnnual RateMonthly Rate
State Farm$2,528$211
GEICO$3,206$267
Direct Auto$3,266$272
Allstate$3,911$326
MetLife$5,222$435

Gainesville Auto Insurance Rates by Age Bracket

Your age also influences your car insurance rate in Gainesville. Drivers within the age range of 50+ in Gainesville typically pay cheaper auto insurance premiums in contrast to other age groups. Teenagers, however, pay the most for car insurance in Gainesville. On a brighter note, when teens reach the age of 20, a substantial decrease in their premiums will immediately reflect.

Gainesville Car Insurance Rates Per Age Group

Age GroupAnnual RateMonthly Rate
Teenagers$5,215$435
20s$2,341$195
30s$1,823$152
40s$1,787$148
50s$1,675$140
60s$1,701$142
70s$2,073$173

Florida Cheapest Full Coverage Insurance Rates For Young Drivers With Clean Driving History

In Florida, teen drivers are considered inexperienced and high-risk drivers and they pay the most expensive car insurance rates in Florida. However, if you are a young driver with a clean driving record, several auto insurance companies in Florida provide less expensive premiums. 

Insurance CompanyAnnual RateMonthly Rate
State Farm$2,001$167
GEICO$2,487$207
MetLife$2,877$240
Allstate$3,922$327
Direct Auto$3,201$267

Gainesville Car Insurance Premiums By Gender and Marital Status

Apart from your driving record, and age, your marital status and gender are other factors insurers assess when calculating your car insurance cost in Gainesville. Many married couples and widowed drivers in Gainesville pay lower car insurance rates compared to those who are single. While married couples are considered responsible drivers compared to single drivers, their gender also affects their overall auto insurance premiums. Male drivers in Gainesville are considered skillful drivers. Thus, female drivers pay more than males for car insurance in Gainesville.

Gainesville Car Insurance Premiums by Marital Status and Gender

Marital Status/GenderAnnual RateMonthly Rate
Male$1,827$152
Female$1,858$155
Single$1,755$146
Married$1,755$146
Divorced$1,831$153
Widowed$1,798$149

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Florida Cheapest Car Insurance Rates For Married Couples

As was mentioned, married couples pay cheaper car insurance rates in Florida. Married couples are considered financially stable and low-risk drivers. Thus, several car insurance companies around Florida offer coverage at a cheaper price. MetLife by far offers the cheapest auto insurance rates for married couples.

Insurance CompanyAnnual RateMonthly Rate
MetLife$2,374$198
State Farm$2,721$227
GEICO$3,022$252
Direct Auto$3,233$269
Allstate$3,333$278

Gainesville Auto Insurance Rates After an Accident or Violation

Maintaining a good driving record will help keep your car insurance rate on the average level. However, one at-fault accident can cause your premiums to significantly increase. Additionally, acquiring speeding tickets, and reckless driving citations are also considered risks. Thus, maintaining a good driving record in Gainesville will keep your premiums low and close to the average of $1,827 per year.

Gainesville Car Insurance Rates For High-Risk Drivers

Driving ViolationAnnual RateMonthly Rate
DUI/DWI$2,688$224
Reckless Driving$2,777$231
At-Fault Accident (less than $1000 damages)$2,501$208
At-Fault Accident (more than $1000 damages)$2,501$208
Speeding Ticket$2,254$188

Florida Average Auto Insurance Costs With One At-Fault Accident

One at-fault accident in Florida can drive up your car insurance rates. Depending on the amount of damages caused, drivers who have been in an at-fault accident pay expensive auto insurance rates in Florida. However, there are car insurance companies around Florida that offer less expensive car insurance premiums to high-risk drivers. 

Insurance CompanyAnnual RateMonthly Rate
State Farm$2,033$169
GEICO$2,821$239
MetLife$3,237$270
Direct Auto$3,411$284
Allstate$3,962$330

Florida Average Car Insurance Rate After A Ticket

Getting a speeding ticket might not seem like a serious deal but, in Florida, drivers will typically shoulder a substantial increase in their auto insurance premiums after a ticket. However, some insurance companies around the state provide cheap car insurance premiums to reckless drivers in Florida.

Insurance CompanyAnnual RateMonthly Rate
State Farm$1,902$159
GEICO$2,955$246
MetLife$2,721$227
Direct Auto$3,163$264
Allstate$2,811$234

Gainesville Auto Insurance Rates by Credit Tier

Your credit score is another aspect Gainesville auto insurance companies evaluate when calculating your car insurance rates. If you build your credit from Very Poor to Exceptional it will give you savings up to 59% annually on your car insurance rates. Hence, keeping a good credit score is one way for your rates to stay on the average in Gainesville.

Gainesville Car Insurance Premiums by Credit Tier

Credit LevelAnnual RateMonthly Rate
Very Poor$3,601$300
Fair$2,237$186
Good$1,827$152
Very Good$1,665$139
Exceptional$1,475$123

Florida Average Car Insurance Rates by Poor Credit with Minimum Coverage

Several car insurance companies in Florida provide cheap premiums for drivers with poor credit and wish to purchase a policy with minimum coverage. State Farm offers the cheapest car insurance rates with minimum coverage in Florida.

Insurance CompanyAnnual RateMonthly Rate
State Farm$1,989$166
GEICO$1,955$163
United Auto$2,671$223
Direct Auto$1,298$108
Allstate$2,244$187

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Florida Average Car Insurance Rates For Good Drivers With Poor Credit

Your credit score is one of the aspects that impact your car insurance rates in Florida. Having a poor credit score can increase your car insurance premiums. However, if you are a good driver with poor credit, there are several car insurance companies in Florida that offer cheap coverage despite the poor credit tier.

Insurance CompanyAnnual RateMonthly Rate
Direct Auto$2,528$211
United Auto$3,206$267
State Farm$3,266$272
GEICO$3,911$326
Allstate$5,222$435

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Gainesville Car Insurance FAQs

  • What is property damage liability (PDL) mean in Gainesville?

    PDL is the coverage your car insurance provider pay for the damages you caused during a collision.

  • What is Bodily Injury Liability mean in Gainesville?

    Bodily Injury Liability is the permanent injury or death you caused during an accident. Typically, your car insurance provider will pay for the damages according to the level of your policy.

  • My car was damage due to flood. Will it be covered by my insurance?

    If you have a comprehensive car insurance policy in Gainesville, then it will cover it. If you only have a standard car insurance, however, you will have to shoulder the cost.

  • Will the car I drive in Gainesville affect my car insurance cost?

    The type of car you will be driving also impacts your rates. The safer and well-equip your car is, the bigger the chance for you to gain cheaper rates.

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