The best car insurance in Gainesville, FL

Nicole Wakelin

By

Nicole Wakelin

Nicole Wakelin

Automotive journalist

Nicole Wakelin is an automotive journalist who has covered the industry for over a decade. She’s always loved cars and the fact that they regularly hand her the keys to shiny new automobiles so she can write about them is a constant source of amazement. She covers breaking news, writes reviews, and attends auto shows and new vehicle launches across the country.

Her work has appeared in a wide range of publications both online and in print. These include U.S. News & World Report, The Boston Globe, TrueCar, Kelley Blue Book, and Autobytel. In addition, she speaks to all things automotive at conferences, on the radio, and on podcasts, including co-hosting the weekly Wheel Bearings Podcast.

Nicole is a current member and former Vice President of the New England Motor Press Association. She is also a juror for both the Women’s World Car of the Year and the North American Car, Truck and Utility of the Year.

Published October 20, 2021

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The average cost of a full coverage car insurance policy in Gainesville is $2,283 per year. That’s $631 less than the state average of $2,914. Car insurance rates in Gainesville are lower than the state average, likely because Gainesville is more rural than many other cities in Florida.

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The best way to get the lowest possible rate on car insurance is to shop around and get quotes from multiple companies. Policygenius can help you figure out which companies have the cheapest rates so you can compare coverage and find the right policy for you.

Key Takeaways

  • GEICO has the lowest average for full coverage car insurance in Gainesville at $1,100 per year

  • State Farm was the next least expensive, with an average rate of ​​$1,278 per year

  • Florida minimum liability requirements are $10,000 in personal injury protection and $10,000 in property damage liability

Cheapest car insurance companies in Gainesville, FL

Insurance costs vary based on where you live, your age, your driving history, and the kind of car you drive. Every insurance company has its own formula for setting rates, so you can get very different rates from two companies for the same coverage. 

Even within the same city, different ZIP codes can mean different rates. The table below shows the five cheapest car insurance companies in Gainesville and their J.D. Power score.

Company

Average cost

JD Power Rating

GEICO

$1,100

871

State Farm

$1,278

881

Nationwide

$1,871

876

Travelers

$2,013

861

MetLife

$2,313

886

Cheapest car insurance rates by ZIP code in Gainesville, FL

Exactly where you live in a city can have a big impact on your car insurance rates. Insurance companies look at your ZIP code to assess a wide range of factors including the availability of secure parking, reports of thefts and vandalism, and even the number of accidents and traffic tickets issued in the area. Below are the car insurance rates for ZIP codes in Gainesville.

ZIP code

Average cost

32601

$2,263

32603

$2,267

32605

$2,232

32606

$2,249

32607

$2,245

32608

$2,243

32609

$2,305

32610

$2,538

Choosing the right car insurance company in Gainesville, FL

Choosing the right car insurance company may seem difficult, but it’s easier than you think. Consider the following factors:

  • Cost: Avoid paying too much by comparing quotes from multiple companies.

  • Coverage: Choose a policy with enough coverage to protect you, but don’t purchase more coverage than you want or need.

  • Customer service: The service you get when buying your policy is the service you’ll get when filing a claim. If buying the policy wasn’t easy, then filing a claim won’t be any better.

Policygenius can help you see how much you’ll pay for various levels of coverage so you can make an informed decision about which coverage to choose.

Car insurance rates for drivers with driving violations in Gainesville, FL

Your driving history can have a big impact on how much you pay for car insurance. Speeding tickets will increase your rates, and a DUI or an at-fault accident will increase them even more. The more violations you have on your driving record, the more you’ll pay for coverage.

Do your best to keep a clean driving record and you’ll save yourself in fines and insurance costs. The table below shows the average annual car insurance rates in Gainesville for drivers with a variety of violations for GEICO, State Farm, Travelers, Nationwide, and MetLife.

Violation

GEICO

State Farm

Nationwide

Travelers

MetLife

At-fault Accident

$1,610

$1,491

$2,623

$2,719

$3,991

DUI

$2,085

$1,393

$3,922

$3,039

$4,365

Driving with a suspended license

$1,165

$1,393

$3,922

$3,039

$4,365

Driving with an open container

$1,165

$1,393

$3,922

$2,576

$2,935

Driving with expired registration

$1,165

$1,393

$2,183

$2,576

$2,935

Driving without Lights

$1,165

$1,393

$1,884

$2,576

$2,935

Failure to show documents

$1,165

$1,393

$2,183

$2,576

$2,935

Failure to stop at a red light

$1,165

$1,393

$2,183

$2,576

$2,935

Cheapest car insurance for drivers with bad credit in Gainesville, FL

Most insurance companies consider your credit score when determining your car insurance rate. The following table shows the five cheapest car insurance companies in Gainesville for drivers with bad credit.

Company

Rates for drivers with bad credit

GEICO

$2,174

State Farm

$2,386

UAIC

$2,547

Direct Auto

$2,704

Nationwide

$2,829

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Buying car insurance in Gainesville, FL

The state of Florida requires car insurance to register a vehicle, but it has very low minimums. Every registered vehicle must have:

  • Personal Injury Protection (PIP) $10,000 per accident

  • Property Damage Liability (PDL) $10,000 per accident

Proof of insurance must be provided at the time of registration and coverage must be maintained even if the vehicle is not being driven or is inoperable. Additionally, the policy must be from a carrier licensed in Florida. If you move to Florida from another state, speak with your agent about having that policy transferred.

Driving without the required insurance can result in a suspension of your driving privileges and your license plate for up to three years. It may be reinstated, but it will require the payment of a $500 fee.

Florida is a “no-fault” state. This means that no one driver is named as being at-fault for an accident. It also means that you cannot expect their insurance to pay your injury claim. Any claim for injuries after a car accident needs to be filed with your own carrier, who will pay you for the claim.

This makes it especially important to have enough coverage in the event of an accident. Make sure you’re comfortable with any deductibles you choose and that the full amount of the coverage you select will cover any necessary repairs or medical bills.

How to get cheap car insurance in Gainesville, FL

There are several ways to save money on car insurance in Gainesville, including:

  • Driving record: Avoid accidents and moving violations including speeding tickets to keep your rates low.

  • Watch your credit score: Good credit will help you get a good car insurance rate while poor credit can raise your rates.

  • Shop around: Compare rates from multiple companies to see which offers the best rates

  • Choose coverage carefully: Look at the coverage, including available deductibles, and choose the best coverage for your needs.

  • Look for discounts: Car insurance companies offer a wide range of discounts including military, low mileage, safe driver, good student, and even professional discounts for groups including firefighters and teachers. 

  • Bundle your insurance: Consider getting policies for rental or homeowners insurance through the same carrier as your car insurance. This may get you a reduced rate on both policies and save you money.

Frequently asked questions

Who has the cheapest car insurance rates in Gainesville?

According to our data, the cheapest car insurance companies in Gainesville are GEICO and State Farm, but the cheapest on average isn’t always the cheapest for every driver, so you should still shop around and compare quotes.

How can I save on my car insurance in Gainesville?

Avoid accidents and moving violations, keep a good credit score, and get quotes from multiple companies to get the best rates. You should also reshop your policy once a year to make sure you’re still getting the best price.

Is Florida a no-fault state?

Yes, Florida is a no-fault state. This means that no one driver is determined to be at-fault for an accident and that each needs to file claims with their own insurance company.

Does Florida require car insurance?

Yes, Florida does require car insurance, but in very low amounts. You must have $10,000 each of Personal Injury Protection (PIP) and Property Damage Liability (PDL).

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.