Buy Cheap Gainesville, FL Auto Insurance (2021)

Gainesville, FL auto insurance rates average $291 a month. Minimum auto insurance requirements in Gainesville, Florida are 10/20/10 to comply with Florida laws. To buy cheap auto insurance in Gainesville, FL, compare Gainesville auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Gainesville, FL after a DUI are $4,174/year
  • The most expensive auto insurance company in Gainesville after a DUI is Allstate
  • Average auto insurance rates in Gainesville, FL for teens drivers are $6,213/year

Finding affordable Gainesville, Florida auto insurance can be challenging, but everything you need to know to buy cheap Gainesville, FL auto insurance with confidence is right here. Auto insurance rates in Gainesville are affected by local factors as well as personal ones like your driving record.

See how Gainesville, FL car insurance rates compare to Tallahassee auto insurance rates, Tampa auto insurance rates, and Jacksonville auto insurance rates before you read more about the cost of auto insurance in Gainesville.

Don’t buy Gainesville, FL auto insurance until you’ve compared rates. Get free Gainesville, Florida auto insurance quotes when you enter your ZIP code above.

Gainesville, FL Minimum Auto Insurance Requirements

The required auto insurance in Gainesville, FL is 10/20/10 according to the auto insurance laws in Florida. The minimum auto insurance in Gainesville, Florida is outlined here.

Minimum Required Auto 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

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Find Cheap Gainesville, FL Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Gainesville, FL. Take a look at Gainesville, Florida auto insurance rates by credit history.

Annual Auto 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

Buy Cheap Gainesville, FL Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Gainesville, Florida auto insurance rates? Find out how car insurance rates in Gainesville, FL are impacted by demographics.

Annual Auto 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

Buy Cheap Gainesville, FL Auto Insurance for Teen Drivers

Auto insurance for teenagers in Gainesville can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Gainesville, FL are listed here.

Annual Auto 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

Buy Cheap Gainesville, FL Auto Insurance for Seniors

You can save on senior auto insurance rates in Gainesville, Florida by comparing Gainesville senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Gainesville, FL here.

Annual Auto 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

Find Cheap Auto Insurance Rates in Gainesville, FL by Coverage Level

The amount of coverage you choose is a big factor in the cost of Gainesville, Florida auto insurance. Compare Gainesville, FL auto insurance rates by coverage level.

Annual Auto 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

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Find Cheap Gainesville, FL Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Gainesville. Compare auto insurance rates in Gainesville, FL by commute length to see how your daily commute impacts your rates.

Annual Auto 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

Find Cheap Gainesville, FL Auto Insurance Rates by ZIP Code

Auto insurance rates in Gainesville, Florida can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Gainesville, FL to see how much where you live in Gainesville affects the cost of car insurance.

Annual Auto 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

Find Cheap Gainesville, FL Auto Insurance Rates by Driving Record

Auto insurance rates in Gainesville, Florida are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Gainesville, FL, take a look at the average cost for various violations versus rates for a clean driving record in Gainesville.

Annual Gainesville, Florida Auto 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

Find Cheap Gainesville, FL Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Gainesville, Florida is higher than for a clean driving record. You can buy auto insurance after a DUI in Gainesville for less when you shop around and compare rates from multiple Gainesville, FL auto insurance companies.

Annual Auto Insurance Rates After a DUI in Gainesville, Florida

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

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Winners by Category: Where to Buy Cheap Auto Insurance in Gainesville, FL

Compare rates from the cheapest auto insurance companies in Gainesville, FL for your needs. Take a look at how Gainesville, Florida auto insurance companies stack up for each category.

Best Annual Auto 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

Find Cheap Gainesville, Florida Auto Insurance Companies

If you’re looking for the cheapest Gainesville, FL auto insurance companies overall, you can compare them here. Find the best price for Gainesville, Florida car insurance by company.

Average Annual Auto 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

What affects Gainesville, Florida auto insurance rates?

Local factors affect auto insurance rates in Gainesville, FL, including traffic, theft statistics, and commute length. Take a look at the things that impact Gainesville auto insurance rates.

Auto Theft in Gainesville

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Gainesville, FL auto theft show a total of 432 vehicle thefts annually.

Commute Times in Gainesville

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Gainesville, FL is 19.1 minutes according to City-Data.

Traffic in Gainesville

How is traffic in Gainesville, Florida? Inrix data shows that Gainesville, FL traffic makes it the 462nd-most congested city compared to other cities worldwide.

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Compare Auto Insurance Quotes in Gainesville, FL

You can buy cheap Gainesville, FL auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Gainesville, Florida auto insurance quotes from top companies.

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