Cheapest Car Insurance Quotes In Gainesville, FL For 2024
State Farm minimum coverage car insurance in Gainesville is the cheapest available, averaging $44 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
When aiming to secure the cheapest car insurance in Gainesville, FL, the choices available can vary widely.
State Farm takes the lead in affordability for liability-only plans, GEICO is known for the best full coverage rates, and Travelers caters well to young drivers with low premiums.
Cheapest Car Insurance Companies In Gainesville, FL
Cheapest Liability-only Car Insurance In Gainesville: State Farm
For minimum coverage car insurance in Gainesville, State Farm provides the cheapest rates, costing drivers an average of $44 a month.
Look at the table below to compare car insurance rates from a range of providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $44 | $523 |
| Travelers | $53 | $630 |
| Nationwide | $62 | $744 |
| Farmers | $101 | $1,214 |
| Allstate | $77 | $926 |
Cheapest Full Coverage Insurance Rates In Gainesville: GEICO
GEICO is the top provider for affordable full coverage car insurance in Gainesville, with an average cost of $103 monthly.
In the table below, you’ll find a comparison of average auto insurance quotes from affordable insurers in Gainesville.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $103 | $1,233 |
| Nationwide | $125 | $1,497 |
| Travelers | $111 | $1,336 |
| Farmers | $213 | $2,560 |
| Allstate | $165 | $1,975 |
Cheapest Car Insurance Rates For Seniors: State Farm
With an average cost of $85 a month, State Farm offers the best car insurance rates for seniors in Gainesville.
Below is a table of average quotes from the most affordable auto insurers for senior drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $85 | $1,027 |
| Progressive | $119 | $1,429 |
| Allstate | $170 | $2,040 |
| Nationwide | $117 | $1,407 |
| Mercury | $144 | $1,730 |
Cheapest Rates In Gainesville For Teenagers: Nationwide
Teenage drivers in Gainesville can get the best rates on car insurance from Nationwide, with premiums averaging $223 per month.
Below is a table comparing the companies with the most affordable insurance for teenage drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $223 | $2,677 |
| Travelers | $361 | $4,330 |
| State Farm | $265 | $3,182 |
| Allstate | $365 | $4,379 |
| Farmers | $394 | $4,732 |
Cheapest Auto Insurance For Young Adults in Gainesville: Travelers
Young adults in Gainesville can expect to pay an average of $128 per month for car insurance with Travelers, the cheapest option.
The table below presents a comparison of the most budget-friendly auto insurance rates for young adults in Gainesville.
| Provider | Average Monthly Cost | Average Annual Cost |
| Travelers | $128 | $1,530 |
| GEICO | $144 | $1,730 |
| Nationwide | $146 | $1,755 |
| Mercury | $214 | $2,570 |
| Allstate | $178 | $2,140 |
Cheapest Car Insurance In Gainesville For Good Drivers: State Farm
Good drivers in Gainesville can enjoy the lowest car insurance rates from State Farm, at approximately $44 per month.
Good drivers can consult the table below to compare average quotes from the cheapest insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $44 | $523 |
| Travelers | $53 | $630 |
| Nationwide | $62 | $744 |
| Farmers | $101 | $1,214 |
| Allstate | $77 | $926 |
Find affordable Gainesville rates
Cheapest Car Insurance In Gainesville After A Speeding Ticket: Nationwide
Nationwide is a budget-friendly choice in Gainesville, providing average monthly premiums of $146 for drivers with a speeding ticket.
To see the average rates for drivers with a speeding ticket, check the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $146 | $1,753 |
| Progressive | $162 | $1,942 |
| GEICO | $200 | $2,398 |
| Allstate | $170 | $2,044 |
| Farmers | $266 | $3,190 |
Cheapest For Drivers With After At-Fault Accident: State Farm
Drivers with an at-fault accident can save the most with State Farm, which offers an average monthly premium of $114.
These insurance companies offer the best rates for drivers with an at-fault incident on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $114 | $1,370 |
| Nationwide | $178 | $2,138 |
| Allstate | $304 | $3,650 |
| Mercury | $320 | $3,840 |
| Farmers | $318 | $3,820 |
Cheapest Rates In Gainesville For Drivers After A DUI: Progressive
Drivers in Gainesville with a DUI can get the lowest premiums from Progressive, averaging $137 per month.
The table below presents the most affordable insurance rates for Gainesville drivers who have a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $137 | $1,640 |
| Nationwide | $271 | $3,251 |
| Allstate | $233 | $2,790 |
| GEICO | $206 | $2,472 |
| Travelers | $187 | $2,240 |
Best Car Insurance Companies In Gainesville
In Gainesville, State Farm is the most budget-friendly option, with rates of $44 per month. Travelers and GEICO are also affordable at $53 and $45, respectively.
Here’s a ranking of the top 10 car insurance companies in Gainesville, FL, based on their average monthly rates.
| Company | Monthly Premium |
| State Farm | $44 |
| Travelers | $53 |
| GEICO | $45 |
| Nationwide | $62 |
| Farmers | $101 |
| Allstate | $77 |
| Progressive | $78 |
| Mercury | $59 |
| Direct General | $105 |
| Safeco | $140 |
| Direct Auto | $130 |
Average Auto Insurance Rates In Gainesville – By Age
Insurance companies consider age as a major factor in determining car insurance rates, with younger drivers typically paying more due to their increased risk of accidents. Teenagers often pay around $6,670 per year for car insurance.
At 25, drivers often experience lower insurance premiums, provided they maintain a clean driving history.
The lowest insurance premiums are often found among drivers in their 50s and early 60s, with insurers using age to evaluate driving experience and risk.
| Age | Average Yearly Rate |
| Teenagers | $6,670 |
| 20s | $4,488 |
| 30s | $2,642 |
| 40s | $2,250 |
| 50s | $1,921 |
| 60s | $2,016 |
| 70s | $2,232 |
Average Rates In Gainesville – By Vehicle
Insurance companies assess factors like the make, model, year, and body style of your car to determine premiums. Typically, newer vehicles, especially luxury ones with high-end features and more expensive replacement costs, come with higher insurance rates.
Use the table below to see average insurance premiums for different vehicles in Gainesville.
| Vehicle | Average Monthly Rate |
| Nissan Rogue | $99 |
| Kia Forte | $1,020 |
| Kia Soul | $316 |
| Chevrolet Camaro | $1,120 |
| Nissan Altima | $480 |
Average Cost Of Auto Insurance In Gainesville – By Zip Code
Insurers calculate crime rates based on zip codes, which causes car insurance rates to differ depending on your location.
The following table shows average car insurance rates for different Gainesville’s zip codes.
| Zip Code | Average Monthly Rate |
| 32641 | $248 |
| 32612 | $299 |
| 32635 | $260 |
| 32246 | $115 |
| 32603 | $293 |
How Much Is Car Insurance In Other Cities in Florida ?
Where you live affects your car insurance rates, as cities often experience higher rates of accidents, theft, and vandalism, leading to increased premiums.
In West Palm Beach, car insurance averages $354 per month, whereas Lake City residents pay a typical rate of $233 monthly.
| City | Average Monthly Rate |
| Sunrise | $332 |
| Lake City | $233 |
| Plantation | $316 |
| Hallandale Beach | $345 |
| Daytona Beach | $235 |
| Fort Myers | $240 |
| Apopka | $226 |
| Pinellas Park | $284 |
| Kissimmee | $272 |
| West Palm Beach | $354 |
Find affordable Gainesville rates
Our Methodology
I’ve gathered insights from an extensive review of customer service, product variety, pricing, and user feedback to craft a comprehensive analysis of car insurance providers in Gainesville, FL.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Who has the lowest car insurance rates in Gainesville?
For basic coverage in Gainesville, State Farm offers the lowest prices, while GEICO is the best choice for full coverage, including both comprehensive and collision insurance.
What is the average cost of car insurance in Gainesville?
The typical cost of car insurance in Gainesville is around $250 monthly, with variations based on your zip code, car year and model, driving record, and more.
