Best Gainesville, Georgia Auto Insurance in 2025
The average Gainesville, GA auto insurance rates are $409 per month. The minimum auto insurance in Gainesville is at least 25/50/25 in coverage to comply with Georgia auto insurance laws. To find the best cheap auto insurance in Gainesville, Georgia, compare quotes from multiple companies.
Read more
Secured with SHA-256 Encryption
Table of Contents
Table of Contents
Managing Editor
Daniel S. Young began his professional career as chief editor of The Chanticleer, a Jacksonville State University newspaper. He also contributed to The Anniston Star, a local newspaper in Alabama. Daniel holds a BA in Communication and is pursuing an MA in Journalism & Media Studies at the University of Alabama. With a strong desire to help others protect their investments, Daniel has writt...
Daniel S. Young
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Michelle Robbins
Updated September 2024
- The average commute length in Gainesville is 22.9 minutes
- Average auto insurance rates in Gainesville, GA for senior drivers are $2,675 per year
- The cheapest auto insurance company in Gainesville is Geico
Gainesville, Georgia auto insurance requirements are 25/50/25 according to Georgia 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, Georgia, including driving record, credit, commute time, and more.
Compare auto insurance in Gainesville to other Georgia cities, including Roswell auto insurance rates, South Fulton auto insurance rates, and Johns Creek auto insurance rates to see how Gainesville, Georgia auto insurance rates stack up.
Before you buy Gainesville, Georgia auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Gainesville, Georgia auto insurance quotes.
Minimum Auto Insurance in Gainesville, Georgia
Gainesville, Georgia auto insurance laws require that you have at least the Georgia minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Gainesville, Georgia.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
Free Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Cheap Gainesville, Georgia Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Gainesville, Georgia are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| 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 | $2,963 | $2,963 | $2,836 | $2,836 | $7,012 | $9,066 | $3,324 | $3,633 |
| Geico | $1,790 | $1,776 | $1,742 | $1,742 | $5,565 | $6,672 | $2,350 | $2,605 |
| Liberty Mutual | $5,578 | $6,066 | $4,557 | $5,171 | $24,339 | $27,172 | $5,914 | $6,286 |
| Nationwide | $2,818 | $2,910 | $2,807 | $3,071 | $8,611 | $11,036 | $3,422 | $3,700 |
| Progressive | $3,024 | $2,769 | $2,610 | $2,753 | $9,931 | $10,988 | $3,502 | $3,665 |
| State Farm | $2,154 | $2,154 | $1,941 | $1,941 | $5,889 | $7,711 | $2,369 | $2,571 |
| USAA | $1,845 | $1,839 | $1,725 | $1,722 | $6,808 | $8,047 | $2,297 | $2,529 |
Cheap Gainesville, Georgia Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Gainesville, Georgia is a challenge. Take a look at the annual teen auto insurance rates in Gainesville, Georgia.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,012 | $9,066 |
| Geico | $5,565 | $6,672 |
| Liberty Mutual | $24,339 | $27,172 |
| Nationwide | $8,611 | $11,036 |
| Progressive | $9,931 | $10,988 |
| State Farm | $5,889 | $7,711 |
| USAA | $6,808 | $8,047 |
Cheap Gainesville, Georgia Auto Insurance for Seniors
What are senior auto insurance rates in Gainesville, Georgia? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,836 | $2,836 |
| Geico | $1,742 | $1,742 |
| Liberty Mutual | $4,557 | $5,171 |
| Nationwide | $2,807 | $3,071 |
| Progressive | $2,610 | $2,753 |
| State Farm | $1,941 | $1,941 |
| USAA | $1,725 | $1,722 |
Cheap Gainesville, Georgia 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, Georgia compared to the annual auto insurance rates with a clean record in Gainesville, Georgia.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,563 | $5,505 | $4,497 | $3,751 |
| Geico | $2,048 | $2,560 | $5,243 | $2,271 |
| Liberty Mutual | $8,062 | $11,042 | $12,692 | $10,745 |
| Nationwide | $3,719 | $4,350 | $6,631 | $4,487 |
| Progressive | $3,812 | $6,835 | $4,534 | $4,441 |
| State Farm | $3,035 | $3,647 | $3,341 | $3,341 |
| USAA | $2,559 | $3,251 | $4,740 | $2,856 |
Cheap Gainesville, Georgia Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Gainesville, Georgia is not easy. Compare the annual rates for DUI auto insurance in Gainesville, Georgia to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $4,497 |
| Geico | $5,243 |
| Liberty Mutual | $12,692 |
| Nationwide | $6,631 |
| Progressive | $4,534 |
| State Farm | $3,341 |
| USAA | $4,740 |
Cheap Gainesville, Georgia Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Gainesville, Georgia annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,610 | $3,899 | $3,478 |
| Geico | $3,811 | $2,661 | $2,619 |
| Liberty Mutual | $15,221 | $9,358 | $7,328 |
| Nationwide | $5,680 | $4,638 | $4,073 |
| Progressive | $5,485 | $4,783 | $4,448 |
| State Farm | $4,738 | $2,949 | $2,336 |
| USAA | $4,353 | $3,074 | $2,628 |
Free Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Cheap Gainesville, Georgia Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Gainesville, Georgia can vary. Compare the annual cost of auto insurance by ZIP code in Gainesville, Georgia to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 30501 | $4,616 |
| 30504 | $4,624 |
| 30506 | $5,227 |
| 30507 | $4,595 |
Cheap Gainesville, Georgia Auto Insurance Rates By Commute
Commute length and annual mileage affect Gainesville, Georgia auto insurance. Find the cheapest annual Gainesville, Georgia auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $4,233 | $4,426 |
| Geico | $2,980 | $3,081 |
| Liberty Mutual | $10,635 | $10,635 |
| Nationwide | $4,797 | $4,797 |
| Progressive | $4,905 | $4,905 |
| State Farm | $3,341 | $3,341 |
| USAA | $3,199 | $3,504 |
Cheap Gainesville, Georgia Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Gainesville, Georgia? Check out the comparison of annual Gainesville, Georgia auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,029 | $4,370 | $4,589 |
| Geico | $2,821 | $3,047 | $3,223 |
| Liberty Mutual | $10,196 | $10,580 | $11,130 |
| Nationwide | $4,626 | $4,886 | $4,879 |
| Progressive | $4,501 | $4,828 | $5,387 |
| State Farm | $3,129 | $3,344 | $3,551 |
| USAA | $3,197 | $3,335 | $3,523 |
Free Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Best By Category: Cheapest Auto Insurance in Gainesville, Georgia
Compare the cheapest auto insurance companies in Gainesville, Georgia in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | USAA |
| Clean Record | Geico |
| With 1 Accident | Geico |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | Geico |
The Cheapest Gainesville, Georgia Auto Insurance Companies
What auto insurance companies in Gainesville, Georgia are the cheapest? Compare the top Gainesville, Georgia auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,329 |
| Geico | $3,030 |
| Liberty Mutual | $10,635 |
| Nationwide | $4,797 |
| Progressive | $4,905 |
| State Farm | $3,341 |
| USAA | $3,352 |
What affects auto insurance rates in Gainesville, Georgia?
There are a lot of reasons why auto insurance rates in Gainesville, Georgia are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Gainesville, Georgia. Many local factors may affect your Gainesville auto insurance rates.
Gainesville Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Gainesville, Georgia commute length is 22.9 minutes according to City-Data.
Gainesville Traffic
How does Gainesville, Georgia rank for traffic? According to Inrix Gainesville, Georgia is the 462nd most congested worldwide.
Free Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Compare Gainesville, Georgia Auto Insurance Quotes
Before you buy Gainesville, Georgia auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Gainesville, Georgia auto insurance quotes.
Frequently Asked Questions
Is auto insurance mandatory in Gainesville, GA?
Yes, auto insurance is mandatory in Gainesville, GA. The state of Georgia requires all drivers to carry a minimum amount of liability insurance coverage. Failure to comply with the insurance requirements can result in fines, license suspension, or other penalties.
What types of coverage are available in Gainesville, GA auto insurance?
Auto insurance policies in Gainesville, GA typically offer various types of coverage, including:
- Liability coverage: Pays for injuries or property damage you cause to others.
- Collision coverage: Pays for damage to your vehicle resulting from a collision with another vehicle or object.
- Comprehensive coverage: Pays for damage to your vehicle caused by events other than collisions, such as theft, vandalism, or natural disasters.
- Medical payments coverage: Pays for medical expenses for you and your passengers after an accident, regardless of fault.
- Uninsured/underinsured motorist coverage: Pays for your injuries and damages if you’re involved in an accident with a driver who doesn’t have insurance or has insufficient coverage.
How are auto insurance premiums determined in Gainesville, GA?
Auto insurance premiums in Gainesville, GA are determined by various factors, including:
- Driving record: Drivers with a clean driving history generally pay lower premiums.
- Vehicle type: The make, model, and year of your vehicle can affect your premium.
- Coverage and deductibles: The amount of coverage you choose and the deductible you select can impact your premium.
- Age and gender: Younger and male drivers often have higher premiums.
- Location: Your ZIP code and where you park your vehicle can influence your premium.
Are there any discounts available for auto insurance in Gainesville, GA?
Yes, many insurance companies offer discounts on auto insurance policies in Gainesville, GA. Some common discounts include:
- Multi-policy discount: You can save money by bundling your auto insurance with other policies, such as homeowners insurance.
- Good driver discount: If you have a clean driving record, you may be eligible for a discount.
- Safe vehicle discount: Some insurers offer discounts for vehicles equipped with safety features.
- Good student discount: Full-time students with good grades may qualify for a discount.
- Usage-based discount: Some insurers offer discounts based on your driving habits monitored through telematics devices.
What should I do if I’m involved in an accident in Gainesville, GA?
If you’re involved in an accident in Gainesville, GA, follow these steps:
- Ensure your safety and the safety of others involved by moving to a safe location, if possible.
- Call the police to report the accident and request any necessary medical assistance.
- Exchange information with the other driver(s) involved, including names, contact details, and insurance information.
- Document the accident scene by taking photos and noting any relevant details, such as the location, time, and weather conditions.
- Notify your insurance company as soon as possible to report the accident and initiate the claims process.
- Cooperate with your insurance company and provide any requested documentation or information.
- Seek medical attention if needed, even if you don’t have immediate symptoms.
- Consult with an attorney if you have concerns about liability, injuries, or the claims process.
Get a FREE Quote in Minutes
Insurance rates change constantly — we help you stay ahead by making it easy to compare top options and save.
Secured with SHA-256 Encryption