Best Cheap Auto Insurance in Gainesville, FL (2021)

The average Gainesville, FL auto insurance rates are $291 per month. The minimum auto insurance in Gainesville is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in Gainesville, Florida, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The minimum auto insurance required in Gainesville, Florida is 10/20/10
  • Average auto insurance rates in Gainesville, FL for senior drivers are $2,134 per year
  • The cheapest auto insurance company in Gainesville is USAA

Gainesville, Florida auto insurance requirements are 10/20/10 according to Florida auto insurance laws. Finding cheap auto insurance in Gainesville can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Gainesville, Florida, including driving record, credit, commute time, and more.

Compare auto insurance in Gainesville to other Florida cities, including Miami auto insurance rates, Port St. Lucie auto insurance rates, and Orlando auto insurance rates to see how Gainesville, Florida auto insurance rates stack up.

Before you buy Gainesville, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Gainesville, Florida auto insurance quotes.

Minimum Auto Insurance in Gainesville, Florida

Gainesville, Florida auto insurance laws require that you have at least the Florida minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Gainesville, Florida.

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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Cheap Gainesville, Florida Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Gainesville, Florida are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

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

Cheap Gainesville, Florida Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Gainesville, Florida is a challenge. Take a look at the annual teen auto insurance rates in Gainesville, Florida.

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

Cheap Gainesville, Florida Auto Insurance for Seniors

What are senior auto insurance rates in Gainesville, Florida? Take a look at the annual average rates for older drivers.

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

Cheap Gainesville, Florida Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Gainesville, Florida compared to the annual auto insurance rates with a clean record in Gainesville, Florida.

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

Cheap Gainesville, Florida Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Gainesville, Florida is not easy. Compare the annual rates for DUI auto insurance in Gainesville, Florida to find the best deal.

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

Cheap Gainesville, Florida Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Gainesville, Florida annual auto insurance rates by credit history compare.

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

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Cheap Gainesville, Florida Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Gainesville, Florida can vary. Compare the annual cost of auto insurance by ZIP code in Gainesville, Florida to see how car insurance rates are affected by location.

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

Cheap Gainesville, Florida Auto Insurance Rates By Commute

Commute length and annual mileage affect Gainesville, Florida auto insurance. Find the cheapest annual Gainesville, Florida auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Gainesville, Florida

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Gainesville, Florida Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Gainesville, Florida? Check out the comparison of annual Gainesville, Florida 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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Best By Category: Cheapest Auto Insurance in Gainesville, Florida

Compare the cheapest auto insurance companies in Gainesville, Florida in each category to find the company with the best rates for your personal needs.

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

The Cheapest Gainesville, Florida Auto Insurance Companies

What auto insurance companies in Gainesville, Florida are the cheapest? Compare the top Gainesville, Florida auto insurance companies to find the best annual rates.

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 auto insurance rates in Gainesville, Florida?

There are a lot of reasons why auto insurance rates in Gainesville, Florida are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Gainesville, Florida. Many local factors may affect your Gainesville auto insurance rates.

Gainesville Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Gainesville, Florida auto theft statistics, there have been 432 auto thefts in the city.

Gainesville Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Gainesville, Florida commute length is 19.1 minutes according to City-Data.

Gainesville Traffic

How does Gainesville, Florida rank for traffic? According to Inrix Gainesville, Florida is the 462nd most congested worldwide.

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Compare Gainesville, Florida Auto Insurance Quotes

Before you buy Gainesville, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Gainesville, Florida auto insurance quotes.

Free Auto Insurance Comparison

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

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