Compare Gainesville, FL Car Insurance Rates (2021)

The cheapest Gainesville, FL car insurance is offered by State Farm, but rates will vary by driver. Car insurance in Gainesville must meet the Florida requirements of 10/10 in PIP and PDL coverages. This is very low coverage, and drivers should consider additional coverages. Compare Gainesville, FL car insurance rates online to find your best deal.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: May 13, 2021

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Here's what you need to know...

  • State Farm has the cheapest Gainesville, FL car insurance on average
  • Gainesville insurance is higher than the national average
  • Florida is a no-fault state so drivers are not required to carry liability coverage

Gainesville, FL car insurance is less expensive than the average Florida car insurance rates. However, it is more expensive than the national average.

You can still find affordable Gainesville, FL car insurance if you shop around. Compare rates from different companies to see who can offer you cheap car insurance that meets your needs.

Enter your ZIP code now to compare Gainesville, FL car insurance quotes from multiple companies for free.

What is the cheapest car insurance company in Gainesville, FL?

Although the cheapest Gainesville, FL car insurance company is USAA, it only offers coverage to the military, veterans, and their families. The cheapest company that offers coverages to all Gainesville drivers is State Farm.

The top Gainesville, FL car insurance companies listed from cheapest to most expensive are:

  • USAA – $2,129.02
  • State Farm – $2,685.17
  • GEICO – $2,981.76
  • Nationwide – $3,205.97
  • Progressive – $3,886.71
  • Liberty Mutual – $3,903.07
  • Allstate – $5,666.29

Your car insurance rates are affected by many different factors, such as your age, gender, credit history, and driving record. Where you live and the size of your city affects your rates also. Larger cities with more crime and traffic will pay more for car insurance. For example, Hialeah, FL car insurance is more expensive than coverage in Gainesville.

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What car insurance coverage is required in Gainesville, FL?

Most states require that drivers carry at least a minimum amount of auto insurance. Florida is no different.

The minimum amount of auto insurance required in Gainesville is:

  • $10,000 in personal injury protection (PIP) coverage
  • $10,000 for property damage liability (PDL)

What’s unusual is that Florida doesn’t require you to carry bodily injury coverage. That’s because Florida is a no-fault state. This means that if you are in an accident, your auto insurance pays for damages and injuries, regardless of who is at fault.

If you do decide to carry bodily injury, you must carry $10,000 for one person and $20,000 for two or more people.

What affects car insurance rates in Gainesville, FL?

Traffic can affect your car insurance rates because you have a greater chance of being in an accident if there are more cars on the road.

INRIX ranks Gainesville, FL as the 83rd most congested city in the U.S.

City-Data reports that most drivers in Gainesville commute around 20 minutes.

Theft can also cause your car insurance rates to increase. According to the FBI, there were 363 motor vehicle thefts in one year in Gainesville.

Gainesville, FL Car Insurance: The Bottom Line

Florida car insurance can be expensive, so shop around before you buy Gainesville, FL car insurance. Each company will charge you different rates so look at many different companies to see who can offer you the best deal.

Enter your ZIP code to compare Gainesville, FL car insurance rates near you today.

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

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