Compare Gainesville, FL Car Insurance Rates (2021)

Car insurance in Gainesville, FL averages $291 a month. Gainesville, Florida car insurance requirements are 10/20/10, but you might need full coverage insurance if your car is financed. To find cheap Gainesville car insurance rates, compare quotes from the top car insurance companies in Gainesville, FL.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

Full Bio →

Written by

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above 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.

Here's What You Need to Know

  • The cheapest ZIP code in Gainesville is 32601
  • The cheapest car insurance company in Gainesville for teen drivers is USAA
  • Average car insurance rates in Gainesville, FL are $3,494/year

If you need to buy Gainesville, Florida car insurance, the options can be confusing. Everything you need to know about car insurance in Gainesville, FL is right here.

You’ll find Gainesville car insurance rates, the cheapest Gainesville, FL car insurance companies, and information on Florida car insurance laws. You can also compare Gainesville, Florida car insurance rates to Fort Lauderdale car insurance rates, Port St. Lucie car insurance rates, and Tallahassee car insurance rates.

Ready to find affordable Gainesville, FL car insurance today? Enter your ZIP code for fast, free Gainesville car insurance quotes.

Cheapest Gainesville, FL Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Gainesville, FL car insurance rates? Every Gainesville, Florida car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Gainesville, Florida

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Minimum Car Insurance in Gainesville, FL

Every driver must carry the minimum car insurance in Gainesville, FL. Take a look at the Florida car insurance requirements.

Minimum Required Car Insurance Coverage 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

Cheapest Gainesville, FL Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Gainesville, FL. Compare credit history car insurance rates in Gainesville from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Gainesville, Florida

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

Cheapest Gainesville, FL Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Gainesville, FL to rates for a clean record with top companies.

Annual Gainesville, Florida Car Insurance Rates by Driving Record

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

Cheapest Gainesville, FL Car Insurance for Teen Drivers

Teen car insurance in Gainesville, FL can be expensive. Take a look at rates from the top car insurance companies in Gainesville for teenagers.

Annual Car Insurance Rates for Teen Drivers 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

Cheapest Gainesville, FL Car Insurance for Seniors

Take a look at Gainesville, FL senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Gainesville, Florida

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

Cheapest Gainesville, FL Car Insurance Rates After a DUI

A DUI in Gainesville, FL increases car insurance rates. Compare Gainesville, Florida DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Gainesville, Florida

Insurance Company Annual Car 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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest Gainesville, FL Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Gainesville, FL by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Gainesville, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 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

Cheapest Gainesville, FL Car Insurance Rates by ZIP Code

Gainesville car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Gainesville, FL.

Annual Car Insurance Rates by ZIP Code in Gainesville, Florida

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

The Best Cheap Car Insurance Companies in Gainesville, FL

Take a look at a side-by-side comparison of the top car insurance companies in Gainesville, FL to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Gainesville, Florida

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Category Winners: Cheapest Car Insurance in Gainesville, Florida

Find the cheapest car insurance companies in Gainesville, FL for each category right here.

Best Annual Car Insurance Rates by Company in Gainesville, Florida

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

Cheapest Gainesville, FL Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Gainesville car insurance rates. Find the cheapest Gainesville, FL car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Gainesville, Florida

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

What affects car insurance rates in Gainesville, Florida?

What factors can have an impact on Gainesville, FL car insurance? There are several reasons why Gainesville car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Gainesville, Florida.

Car Theft in Gainesville

High levels of vehicle theft can make car insurance more expensive. Gainesville, FL car theft statistics from the FBI indicate 432 vehicle thefts a year.

Commute Time in Gainesville

The more time you spend in your car the higher the risk of an accident. The average commute length in Gainesville, FL is 19.1 minutes according to City-Data.

Traffic in Gainesville

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Gainesville, FL traffic data from INRIX ranks Gainesville as the 462nd-most congested in the world.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Compare Car Insurance Quotes in Gainesville, FL

Ready to find affordable Gainesville, Florida car insurance today? Enter your ZIP code for fast, free Gainesville, FL car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Average Monthly Car Insurance Rates by State