Compare the Cheapest Car Insurance Quotes in Gainesville

On average, GEICO is the cheapest company in Gainesville for full-coverage and state-minimum policies. however, State Farm offers the cheapest coverage, on average, for drivers with a speeding ticket on their records. The cheapest option for you depends on your elected coverage and profile. USAA features the lowest premiums, on average, in the city, but its policies merely apply to members of the military and their families. Regarding affordability and service, MoneyGeek rated Esurance as the best overall company .iconribbon best car policy

Gainesville 2022

The Cheapest and Best Car Insurance in Gainesville

The Cheapest Car Insurance Companies in Gainesville

MoneyGeek researched the cheapest companies for full-coverage policies in Gainesville. On average, the most low-cost providers are :

  • GEICO: $953 per year
  • State Farm: $1,086 per year

Drivers who have a military background, along with their families, can qualify for USAA policies. This supplier delivers the cheapest policies in the city at an modal cost of $ 608 per year. In Gainesville, GEICO offers the most low-cost car insurance policies, on modal — approximately 74 % less expensive than the policies offered by Progressive, the most expensive ship’s company in the city. Full coverage includes both comprehensive and collision insurance. Costs depend on the sum of liability policy you add to your policy .

Cheapest Car Insurance in Gainesville

Full Coverage 100/300/100

  • party 100/300/100

    per year

  • 1 .USAA

    $608

  • 2 .GEICO

    $953

  • 3 .State Farm

    $1,086

  • 4 .MetLife

    $1,289

  • 5 .Travelers

    $1,388

  • 6. Allied

    $1,515

  • 7 .Mercury

    $1,558

  • 8 .Allstate

    $1,647

  • 9 .Progressive

    $1,663

For this guidebook, MoneyGeek collected median rates for a 40-year-old male driver in Gainesville seeking a full-coverage policy. Our methodology foliate provides more insight into our analysis. While fully coverage costs more than a policy that only meets submit minimums, a full-coverage policy includes comprehensive examination and collision policy, which provides more protection to pay for vehicle repair/replacement .

  • Comprehensive Coverage: This protection covers the cost of vehicle repairs or replacement in case it gets damaged in any incident, including theft and arson.
  • Collision Coverage: If your vehicle is damaged in case of an at-fault accident, this insurance helps you pay for its repairs or replacement.

If you have an older car, a full-coverage policy may cost you more than the actual value of your fomite. In this scenario, it may benefit drivers to consider state-minimum coverage .

Compare Car Insurance Rates in Gainesville

guarantee you ‘re getting the best rate for your car policy. Compare quotes from the exceed insurance companies. widget-location-pinInsurance Rates

Cheapest Car Insurance in Gainesville for Minimum Coverage

In Gainesville, the brassy available car indemnity choice is a policy that alone meets state minimums. MoneyGeek ‘s inquiry revealed that the watch companies offer the most low-cost minimum-coverage policies in the city, on average :

  • GEICO: $427 per year
  • State Farm: $542 per year

If you have a military background, you may qualify for the policies offered by USAA — the cheapest indemnity caller in the city — at an average cost of $ 266 per year. For all early drivers, GEICO ’ s policies are the cheapest in Gainesville. On average, GEICO ‘s liability-only policy costs $ 590 less than comparable coverage offered by Progressive, the most expensive company in the city. While minimum coverage is a more low-cost option, its low levels of indebtedness protection and miss of other coverage leave you at risk of being underinsured after an accident. Toggle the table below to see how costs vary with different levels of coverage .

Cheapest Minimum Liability Car Insurance in Gainesville

state of matter Minimum

  • company State Minimum

    per year

  • 1 .USAA

    $266

  • 2 .GEICO

    $427

  • 3 .State Farm

    $542

  • 4 .Travelers

    $656

  • 5. Allied

    $687

  • 6 .Mercury

    $728

  • 7 .Allstate

    $738

  • 8 .MetLife

    $746

  • 9 .Progressive

    $1,017

In Florida, drivers must have an car insurance policy with at least $ 10,000 worth of PIP coverage and $ 10,000 worth of property damage indebtedness. This is the bum available car indemnity option in the state. While this policy will help you save money on your monthly cable car insurance costs, you would have to pay more out of pocket in case of an accident. For example, if the property damage costs following an accident total $ 20,000, you would have to pay the remaining $ 10,000 yourself .

Florida Minimum Liability Requirements

  • token description
  • place wrong $ 10,000 for place damage. A more protective level is 100/300/100 .
  • personal Injury Protection $ 10,000 per person .

Cheapest Car Insurance in Gainesville if You Have Driving Violations

If you have driving violations like a DUI, an at-fault accident or a speed ticket on your phonograph record, it can significantly raise your car policy costs. MoneyGeek researched the following cheap companies depending on each irreverence :

  • Cheapest After a Speeding Ticket: State Farm, $1,163 per year
  • Cheapest After a DUI: State Farm, $1,163 per year
  • Cheapest After an At-Fault Accident: State Farm, $1,241 per year

If you have a military backdrop and driving violations like a DUI, speeding ticket or an at-fault accident on your criminal record — USAA would be the most low-cost option for you. Drivers with a hapless criminal record can find cheap car policy rates by improving their record over time. meanwhile, it ’ randomness best to shop around and compare rates from different companies to find the best deal .

Cheapest Car Insurance in Gainesville With a Violation

Speeding slate

  • company Speeding Ticket

    per year

  • 1 .USAA

    $668

  • 2 .State Farm

    $1,163

  • 3 .MetLife

    $1,515

  • 4 .Allstate

    $1,647

  • 5 .GEICO

    $1,667

  • 6. Allied

    $1,917

  • 7 .Travelers

    $1,919

  • 8 .Mercury

    $2,317

  • 9 .Progressive

    $2,322

Average Cost of Car Insurance in Gainesville

Gainesville

$1,387

Florida

$2,208

U.S.

$1,424

Car insurance in Gainesville costs less than both the state and the home average. Residents pay an average of $ 1,387 per year. This amount is lower than the state of matter average of $ 2,208 by 37.2 %. It is besides lower than the national average of $ 1,424 by 2.6 %.

Personalized Quotes to Get You the Cheapest Car Insurance in Gainesville

While looking for bum car policy in Gainesville, comparing quotes from different car insurance providers on a regular footing can help you get the cheapest coverage for your needs, a well as attractive dismiss opportunities. Auto indemnity costs in the city vary based on several factors, such as your credit score, location, marital condition and miles drive per year. That means you may end up paying more or less than the state ’ second average monetary value of $ 1,387 .

Compare Car Insurance Rates in Gainesville

guarantee you ‘re getting the best rate for your car insurance. Compare quotes from the top insurance companies. widget-location-pin

The Best Car Insurance Companies in Gainesville

If you are looking for a libra of cost and quality servicing, MoneyGeek ’ s inquiry revealed that the best car insurance companies in Gainesville are :

  • Esurance: MoneyGeek score of 95 out of 100
  • GEICO: MoneyGeek score of 85 out of 100

In Gainesville, the best provider is USAA. however, its policies are only available to military persons and their families. MoneyGeek used factors like J.D. Power ’ s fiscal stability, user satisfaction and affordability to rate the best car insurance providers in Gainesville .
1

USAA

score :

100

5/5 Affordability 5/5 Claims Ratings 5/5 User Satisfaction A++ fiscal constancy 2

Esurance

sexual conquest :

95

5/5

Affordability 4/5 Claims Ratings 5/5 User Satisfaction A+ fiscal stability 3

GEICO

score :

85

3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A++ fiscal stability 4

Travelers

score :

85

3/5 Affordability 4/5 Claims Ratings 2/5 User Satisfaction A++ fiscal constancy 5

MetLife

grudge :

82.5

3/5 Affordability 4/5 Claims Ratings 2/5 User Satisfaction A+ fiscal constancy 6

Hartford

score :

82.5

2/5 Affordability 5/5 Claims Ratings 2/5 User Satisfaction A+ fiscal constancy 7

Liberty Mutual

mark :

80

3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal constancy 8

Auto-Owners Insurance Co

score :

80

3/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A++ fiscal stability 9

State Farm

score :

77.5

3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A- fiscal constancy 10

Nationwide

mark :

77.5

3/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A+ fiscal constancy 11

Progressive

score :

75

2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A+ fiscal stability 12

Safeco

score :

75

2/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A fiscal constancy

Average Cost of Car Insurance by Postal Code

Your neighborhood partially influences how much you pay for car indemnity in Gainesville. If you stay in a region that is prone to accidents, larceny and similar incidents, you are probably to pay more for your car insurance. however, the two ZIP codes analyzed by MoneyGeek, 32607 and 32608, have the lapp average car insurance rates .

  • Zip Code State Minimum

    per year

  • 32607

    $1,387

  • 32608

    $1,387

Factors That Impact Insurance Costs in Gainesville

In addition to individual driver needs and history, location-specific factors like personal injury protection coverage requirements and the share of uninsured motorists besides contribute to car indemnity rates in Gainesville. How Gainesville ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs .accident2 icon Most Accidents With Fatalities

69th

/ 300handcuffs2 icon Most car Thefts

117th

/ 300uninsured icon Most uninsured Motorists by State

1st

/ 50insurance2 icon personal Injury Protection Required Yesrain icon Most annual rain

48th

/ 300umbrella icon Most showery Days

102nd

/ 300

Methodology and Assumptions

MoneyGeek ’ south average bounty rates for Gainesville are based on 100/300/100 comprehensive collision coverage with a $ 1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage character, localization and driving record. Learn more about MoneyGeek ’ sulfur data and methodology here. About the Author

expert-profile The MoneyGeek column team has decades of compound have in writing and publish data about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers includes mortgage experts, veteran fiscal reporters, and award-winning journalists. Learn more about the MoneyGeek team .

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