Best Cheap Auto Insurance in Gainesville, GA (2021)

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.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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 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.

Minimum Required Auto Insurance Coverage 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

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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.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Gainesville, Georgia

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.

Annual Auto Insurance Rates for Teen Drivers 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.

Annual Auto Insurance Rates for Senior Drivers in Gainesville, Georgia

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.

Annual Gainesville, Georgia Auto Insurance Rates by Driving Record

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.

Annual Auto Insurance Rates After a DUI in Gainesville, Georgia

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.

Annual Auto Insurance Rates by Credit Score in Gainesville, Georgia

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

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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.

Annual Auto Insurance Rates by ZIP Code in Gainesville, Georgia

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.

Annual Auto Insurance Rates by Commute Length in Gainesville, Georgia

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.

Annual Auto Insurance Rates by Coverage Level in Gainesville, Georgia

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

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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.

Best Annual Auto Insurance Rates by Company in Gainesville, Georgia

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.

Average Annual Auto Insurance Rates by Company in Gainesville, Georgia

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.

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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.

Free Auto Insurance Comparison

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

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