Best Cheap Auto Insurance in Gainesville, TX (2021)

The average Gainesville, TX auto insurance rates are $298 per month. The minimum auto insurance in Gainesville is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Gainesville, Texas, 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 cheapest auto insurance company in Gainesville is USAA
  • The minimum auto insurance required in Gainesville, Texas is 30/60/25
  • The average commute length in Gainesville is 18.6 minutes

Gainesville, Texas auto insurance requirements are 30/60/25 according to Texas 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, Texas, including driving record, credit, commute time, and more.

Compare auto insurance in Gainesville to other Texas cities, including Austin auto insurance rates, Plano auto insurance rates, and Dallas auto insurance rates to see how Gainesville, Texas auto insurance rates stack up.

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

Minimum Auto Insurance in Gainesville, Texas

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

Minimum Required Auto Insurance Coverage in Gainesville, Texas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

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

Auto insurance rates in Gainesville, Texas 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, Texas

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 $3,375 $3,409 $3,334 $3,334 $8,856 $10,695 $4,173 $4,353
American Family $2,326 $2,579 $2,172 $2,477 $6,049 $7,927 $3,311 $3,771
GEICO $2,212 $2,369 $2,121 $2,371 $4,693 $4,888 $2,381 $2,385
Nationwide $2,708 $2,761 $2,379 $2,531 $7,756 $10,015 $3,187 $3,461
Progressive $2,084 $2,004 $1,844 $1,885 $8,370 $9,339 $2,482 $2,552
State Farm $1,856 $1,856 $1,650 $1,650 $4,417 $5,626 $2,015 $2,082
USAA $1,462 $1,473 $1,394 $1,386 $4,080 $4,452 $1,948 $2,095

Cheap Gainesville, Texas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Gainesville, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,856 $10,695
American Family $6,049 $7,927
GEICO $4,693 $4,888
Nationwide $7,756 $10,015
Progressive $8,370 $9,339
State Farm $4,417 $5,626
USAA $4,080 $4,452

Cheap Gainesville, Texas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Gainesville, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,334 $3,334
American Family $2,172 $2,477
GEICO $2,121 $2,371
Nationwide $2,379 $2,531
Progressive $1,844 $1,885
State Farm $1,650 $1,650
USAA $1,394 $1,386

Cheap Gainesville, Texas 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, Texas compared to the annual auto insurance rates with a clean record in Gainesville, Texas.

Annual Gainesville, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,048 $6,198 $6,471 $4,048
American Family $3,493 $4,429 $3,890 $3,493
GEICO $2,488 $3,257 $2,760 $3,204
Nationwide $3,756 $3,756 $5,628 $4,259
Progressive $3,342 $4,272 $3,899 $3,767
State Farm $2,353 $2,694 $3,175 $2,353
USAA $1,708 $2,512 $2,965 $1,960

Cheap Gainesville, Texas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Gainesville, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,471
American Family $3,890
GEICO $2,760
Nationwide $5,628
Progressive $3,899
State Farm $3,175
USAA $2,965

Cheap Gainesville, Texas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Gainesville, Texas

Insurance Company Poor Fair Good
Allstate $6,599 $4,836 $4,138
American Family $5,275 $3,308 $2,896
GEICO $4,505 $2,561 $1,716
Nationwide $5,229 $4,185 $3,635
Progressive $4,318 $3,711 $3,432
State Farm $3,744 $2,331 $1,857
USAA $3,364 $1,938 $1,557

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Cheap Gainesville, Texas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Gainesville, Texas

ZIP Code Average Annual Rates
76240 $5,261

Cheap Gainesville, Texas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Gainesville, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,071 $5,312
American Family $3,826 $3,826
GEICO $2,872 $2,983
Nationwide $4,350 $4,350
Progressive $3,820 $3,820
State Farm $2,644 $2,644
USAA $2,258 $2,315

Cheap Gainesville, Texas Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Gainesville, Texas? Check out the comparison of annual Gainesville, Texas auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Gainesville, Texas

Insurance Company Low Medium High
Allstate $5,069 $5,145 $5,359
American Family $3,571 $3,690 $4,219
GEICO $2,785 $2,894 $3,103
Nationwide $4,715 $4,159 $4,175
Progressive $3,711 $3,806 $3,943
State Farm $2,519 $2,638 $2,775
USAA $2,215 $2,278 $2,366

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Best By Category: Cheapest Auto Insurance in Gainesville, Texas

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

Best Annual Auto Insurance Rates by Company in Gainesville, Texas

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI GEICO
With 1 Speeding Violation USAA

The Cheapest Gainesville, Texas Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Gainesville, Texas

Insurance Company Average Annual Rates
Allstate $5,191
American Family $3,826
GEICO $2,927
Nationwide $4,350
Progressive $3,820
State Farm $2,644
USAA $2,286

What affects auto insurance rates in Gainesville, Texas?

There are a lot of reasons why auto insurance rates in Gainesville, Texas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Gainesville, Texas. 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, Texas auto theft statistics, there have been 18 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, Texas commute length is 18.6 minutes according to City-Data.

Gainesville Traffic

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

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Compare Gainesville, Texas Auto Insurance Quotes

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