Gainesville, FL Car Insurance
Compare Progressive, Allstate, GEICO and Nationwide (+ other top companies) to find the best and cheapest car insurance in Gainesville.
How much does auto insurance cost in Gainesville?
Auto insurance costs an average of $919 every six months in Gainesville. That's less than the average across Florida ($1,154) and pricier than the national average of $880. Our guide to Gainesville car insurance includes average rates based on age, credit score, and other factors in Gainesville. Keep reading to learn more!
| Car insurance in Gainesville vs. Florida | Average 6 Mo. Premium |
|---|---|
| Gainesville average | $919 |
| Florida average | $1,154 |
The Zebra's key takeaways about car insurance in Gainesville:
- The average cost of a car insurance policy in Gainesville is $919 per six-month policy — $153 per month.
- The cheapest company in Gainesville is State Farm ($640).
- 39% of Zebra customers in Gainesville stated they used our product because they were paying too much for car insurance with their current provider.
Are you paying too much for auto insurance?
Gainesville auto insurance rates by provider
One of the most important determinants of your car insurance rates is the insurance company you work with. For a typical driver, State Farm offers Gainesville's cheapest rates. See below the best companies for cheap auto insurance in Gainesville — but don't forget to get car insurance quotes based on your unique driving profile.
| Company | Avg. 6 Mo. Premium |
|---|---|
| State Farm | $640 |
| GEICO | $839 |
| Progressive | $998 |
| Allstate | $1,362 |
| Age group | Average Six-month Rate |
|---|---|
| Teenagers | $2,615 |
| 20s | $1,175 |
| 30s | $915 |
| 40s | $897 |
| 50s | $843 |
| 60s | $859 |
| 70s | $1,042 |
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Shop around for the best rates
The only way to know which company has the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in Gainesville.
Gainesville auto insurance premiums by age
Our data shows that drivers between the ages of 20-29 make up 31% of Gainesville drivers. Gainesville drivers in their 50s enjoy relatively affordable auto insurance rates, paying just $843 every six months on average. Drivers in their 60s pay marginally higher rates — $859 per 6-month period.
Young drivers aged 16 to 19 pay the most for car insurance in Gainesville. One of the easiest ways to lower your car insurance rates as a driver in Gainesville is to age out of your teenage years. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in Gainesville is $2,876, the largest such difference between any two age groups.
| Age bracket | Avg. 6 Mo. Premium |
|---|---|
| Teenagers | $2,612 |
| 20s | $1,175 |
| 30s | $915 |
| 40s | $897 |
| 50s | $843 |
| 60s | $859 |
| 70s | $1,042 |
Gainesville car insurance costs by credit score
It's no secret credit score is closely correlated with car insurance rates. Gainesville drivers who improve their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn, on average, a 59% decrease in their auto insurance costs. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price adjustment. In Gainesville, moving into the "Fair" credit tier corresponds to an average of $1,370 in savings on insurance each year. Our data tells us 32% of drivers in Gainesville have a credit score of good (680-719).Â
| Credit Tier | Avg. 6 Mo. Premium |
|---|---|
| Very Poor | $1,809 |
| Fair | $1,124 |
| Good | $919 |
| Very Good | $837 |
| Exceptional | $743 |
Gainesville auto insurance premiums by violation
No matter where you live, keeping your driving record clean is a great way to keep your auto insurance rates low. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.
Gainesville drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $943 per year versus the city average. A ticket for speeding results in a $430 rate hike while a DWI or DUI violation costs $867 per year in extra insurance expenditures.
| Incident | Avg. 6 Mo. Premium |
|---|---|
| DWI/DUI | $1,353 |
| Reckless Driving | $1,391 |
| At-fault Accident (damages less than $1,000) | $1,255 |
| At-fault Accident (damages greater than $2,000) | $1,255 |
| Speeding Ticket (16-20 mph over speed limit) | $1,134 |
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.