Cheapest car insurance in Gainesville, FL

State Farm offers resident of Gainesville the cheapest car insurance.

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Updated: 14 September 2023
Written by
Bob Phillips

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Gainesville, a vibrant city nestled in Florida, holds its own charm as the “Heart of North Central Florida.” It attracts numerous newcomers from the Northeast, as well as snowbirds seeking solace in their beachside winter retreats. Gainesville, lovingly called “G-ville” by locals, witnesses the bustling presence of countless cars, trucks, and other vehicles. If you’re on the lookout for affordable car insurance that doesn’t compromise on quality, you’ve landed in the right spot.

On average, auto insurance in Gainesville costs around $2,189 per year. This figure falls below the state average for Florida ($2,309) but exceeds the national average of $1,548.

In this comprehensive review, we’ll guide you towards the most economical option overall (State Farm), the most affordable choice for comprehensive coverage (Travelers), the cheapest selection for minimum coverage (GEICO), the optimal solution if you’ve had driving violations (USAA), and the best pick for senior citizens (Progressive). Rest assured, we’ll steer you in the right direction to find the perfect match for your car insurance needs in Gainesville.

Cheapest car insurance companies in Gainesville, FL 2023

Cheapest car insurance, Gainesville 2023

Compare the cheapest car insurance companies in Gainesville, FL

J.D. Power Rating (Florida) Best For Average Annual Cost Overall Rating AM Best Rating Get A Quote
State Farm


Cheapest Overall




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Cheapest Minimum Coverage




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Cheapest for Driving Violations

$854 Increase After Violation



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Full Coverage




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Young Drivers




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Our methodology

In our quest to unearth the cheapest car insurance rates in Gainesville, we delved into an array of car insurance review sites. These sites meticulously examined rates sourced from public filings acquired through Quadrant Information Services. For this evaluation, we've compiled an average of those rates. However, it's important to note that each company's rates are subject to frequent fluctuations and will be contingent upon your unique circumstances. Moreover, our overall rating takes into account my personal viewpoint, shaped by fifteen years of experience as a licensed insurance agent, fourteen years as a resident of Florida, and over three decades of buying car insurance. Rest assured, our analysis is enriched by this wealth of knowledge and expertise.


Quotes Analyzed


Years Of Experience


Brands Reviewed


Research Hours

Cheapest car insurance companies in Gainesville, FL

Cheapest Overall

Overall Rating

Key Statistics

10/10 Affordability
9/10 Customer satisfaction/reviews
9/10 Claims/payouts
9/10 Coverage level

Why We Like Them

In our exploration of the most affordable car insurance options in Gainesville, Florida, we discovered that State Farm emerged as a strong contender across all categories. However, what sets them apart is their remarkably low average rate, encompassing both minimum and full coverage.

State Farm boasts a rich history spanning almost a century, making them a reliable choice for insuring vehicles. With the largest network of local neighborhood offices among all insurers in the United States, they prioritize accessibility and personalized service. They offer an array of enticing features and exclusive options that drivers can benefit from:

Diverse coverage choices: State Farm provides standard coverage while also extending options such as rental car reimbursement, roadside assistance, travel expense insurance, and even rideshare insurance.

Telematics program: Their innovative telematics program allows for remote monitoring of insured individuals’ driving habits. By promoting safe driving practices, this program rewards policyholders with discounted rates. It specifically aims to reduce costs for individuals with limited driving experience.

Stellar reputation in the industry and customer service: State Farm boasts the highest financial strength ratings (A++ Superior) from AM Best, highlighting their solid standing. They have also garnered commendable ratings in J.D. Power’s studies of insurers operating in Florida, reflecting their commitment to exceptional customer service.

Benefits & Drawbacks

  • Pros of this insurance policy include a discount based on usage.
  • Numerous local agents are available nationwide, ensuring convenient access.
  • Teens and students can benefit from attractive discount opportunities.
  • On the flip side, drivers with poor credit may face higher annual rates.

Cheapest Overall Rates in Gainesville

Company Rate Per Year
State Farm $1,842
GEICO $1,966
Direct General $2,071
MetLife $2,119
Progressive $3,217

Cheapest For Full Coverage

Overall Rating

Key Statistics

10/10 Affordability
7/10 Customer satisfaction/reviews
8/10 Claims/payouts
8/10 Coverage level

Why We Like Them

When it comes to securing the most affordable full coverage in Gainesville, Travelers takes the lead. Full coverage typically encompasses the following elements:

  • $100,000 bodily injury liability coverage per person
  • $300,000 bodily injury liability coverage per accident
  • $50,000 property damage liability coverage per accident
  • $100,000 uninsured motorist bodily injury coverage per person
  • $300,000 uninsured motorist bodily injury coverage per accident
  • Collision coverage with a $1,000 deductible
  • Comprehensive coverage with a $1,000 deductible

Renowned for its prominence in the insurance industry, Travelers stands as one of the largest car insurance providers in the United States. It garners popularity among individuals who seek the assistance of independent agents and prefer obtaining multiple products from a single insurer.

Travelers distinguishes itself in a couple of notable ways. Firstly, they offer gap insurance, which safeguards your auto lease or loan in the event of your car being totaled before the lease is up or fully paid off. Travelers bridges the gap by covering the disparity between your loan balance and the assessed value of your vehicle when it’s deemed a total loss.

Secondly, Travelers’ Responsible Driver Plan extends forgiveness for one accident and one minor violation over a specified period. This means that your rates won’t be subject to an increase following a ticket or an accident, granting you a certain degree of leniency.

Benefits & Drawbacks

  • Pros of this insurance policy include cheap rates for full coverage.
  • There are many coverage options available to cater to different needs.
  • It is worth noting that this insurance provider is one of the largest in the United States.
  • On the downside, customer satisfaction ratings are below average.
  • Additionally, it's important to note that rideshare insurance is not available in Florida.

Cheapest Full Coverage in Gainesville

Company Rate Per Year
Travelers $2,218
State Farm $2,524
Progressive $2,809
Liberty Mutual $3,157
Bristol West $3,749

Cheapest for Driving Violations

Overall Rating

Key Statistics

10/10 Affordability
10/10 Customer satisfaction/reviews
9/10 Claims/payouts
9/10 Coverage level

Why We Like Them

If you’ve ever been pulled over and given a ticket, chances are your car insurance rates went up. And if you’re a young driver, the increase might have hit you even harder. The more serious the offense, like DUI, reckless driving, or DWI, the bigger the rate hike usually is.

But here’s the unique part: USAA is more forgiving than other insurance companies when it comes to raising rates after incidents like speeding tickets, at-fault accidents, or DUI convictions. Sure, USAA customers with a history of driving violations might still see their rates go up, but not nearly as much as with other insurers.

USAA offers the usual stuff like liability coverage, comprehensive and collision insurance. But they also have some handy extras like roadside assistance, rental car and travel reimbursement, and even accident forgiveness.

Now, here’s the catch: USAA is only available to active military personnel, veterans, and their families. They’ve got your back, making sure you get the best rates and coverage if you fall into that category.

Benefits & Drawbacks

  • Offers the highest customer satisfaction rating according to J.D. Power.
  • Provides a convenient one-stop shop for insurance, investing, and banking products.
  • Limited eligibility, available exclusively to veterans, active military personnel, and their family members.

Cheapest for Rate Increase After a Driving Violation

Company Annual Increase
USAA $847
State Farm $1,528
Allstate $1,931
GEICO $1,968
MetLife $2,133

Cheapest for Minimum Coverage

Overall Rating

Key Statistics

10/10 Affordability
9/10 Customer satisfaction/reviews
9/10 Claims/payouts
9/10 Coverage level

Why We Like Them

In Gainesville, we found that GEICO offers the cheapest state minimum coverage on average. Florida requires drivers to have at least $10,000 in property damage liability insurance and $10,000 in personal injury protection (PIP). Bodily injury liability coverage is not mandatory for Florida drivers.

GEICO is known for its great customer service, handling claims well, receiving positive customer recommendations, and having loyal customers. It is the second-largest auto insurance company in the U.S. and offers low rates online and over the phone.

GEICO provides plenty of discounts and is the most affordable option for Gainesville drivers with older vehicles who want to save money by getting the minimum required auto insurance in Florida. You can easily manage your policy through their website and user-friendly mobile app.

Benefits & Drawbacks

  • An above-average J.D. Power score for customer satisfaction.
  • The company provides a robust website and mobile app, ensuring convenient access and ease of use.
  • There are many discounts available to help customers save money.
  • On the downside, this insurance company does not offer gap or rideshare insurance.
  • Additionally, it has a limited number of local agents, which may impact the availability of in-person assistance.

Cheapest for Minimum Coverage 

Company Rate Per Year
GEICO $439
State Farm $731
Travelers $776
Farmers $1,049
Mercury $1,067

Cheapest for Seniors

Overall Rating

Key Statistics

9/10 Affordability
8/10 Customer satisfaction/reviews
8/10 Claims/payouts
9/10 Coverage level

Why We Like Them

Senior drivers in Gainesville are in for a treat when it comes to car insurance rates, as they often enjoy some of the most pocket-friendly options. And guess what? We discovered that Progressive takes the lead by offering the lowest rates for seniors.

Progressive proudly holds the title of being the third-largest auto insurance company in the entire country. They go above and beyond by providing an extensive range of coverage options, along with an impressive lineup of discounts. But here’s the twist: Progressive stands out by offering specialized coverage like rideshare insurance and protection for pets injured in car accidents. They even offer coverage types that many other insurers don’t, such as gap insurance and rideshare insurance.

What sets Progressive apart even further is their unwavering dedication to long-term policyholders. If you’ve been with Progressive for five years or more without any accidents, you won’t see your premiums skyrocket, even for larger claims. And that’s not all! Progressive offers accident forgiveness insurance, allowing you to have more than one accident forgiven.

Benefits & Drawbacks

  • Third-largest personal auto insurer in the U.S.
  • Provides coverage for vet bills if your animal is injured in a car accident.
  • Offers rideshare coverage.
  • Below-average ratings for customer satisfaction from J.D. Power.
  • Limited availability through a small number of agents.

Cheapest Coverage for Seniors

Company Rate Per Year
Progressive $2,061
Travelers $2,275
Mercury $2,317
Safeco $2,473
Liberty Mutual $3,319

Cheapest for Young Drivers

Overall Rating

Key Statistics

10/10 Affordability
9/10 Customer satisfaction/reviews
9/10 Claims/payouts
9/10 Coverage level

Why We Like Them

Young drivers in Gainesville face higher car insurance rates due to their inexperience and increased accident risks. However, GEICO offers the lowest rates for young drivers, averaging $3,451. Despite being the most affordable option for teens and those in their early 20s, affordability can still be a struggle.

Fortunately, GEICO is generous with discounts. Young drivers can qualify for discounts like the good student discount (up to 15%), safe-driver discount (up to 22% for being accident-free), and new car discount (for vehicles three model years old or newer). Completing driver’s education or defensive driving courses can also lead to additional savings.

With GEICO, young drivers in Gainesville can find affordable coverage despite the challenges they may face.

Benefits & Drawbacks

  • Generous policy limits
  • Top-notch mobile app
  • A+ rating from BBB
  • No gap insurance offered
  • Limited local agents available

Cheapest for Young Drivers

Company Rate Per Year
GEICO $3,458
Direct General $3,866
State Farm $3,928
MetLife $5,235
Progressive $8,584

Average cost of car insurance in Gainesville

Average cost of car insurance in Gainesville– by age

Age Group Average Yearly Rate
Teenagers $6,532
20s $2,867
30s $2,384
40s $2,195
50s $2,042
60s $2,079
70s $2,544

Average cost of car insurance in Gainesville– by gender

Gender Average Annual Rate
Male $2,269
Female $2,295

Average cost of car insurance in Gainesville – by marital status

Marital Status Average Annual Rate
Single $2,173
Married $2,172
Divorced $2,247
Widowed $2,185

Average cost of car insurance in Gainesville– by accident and violation history

Violation Average Annual Premium
DWI/DUI $3,279
Reckless Driving $3,372
At-Fault Accident (damage <$1,000) $3,084
At-Fault Accident (damage >$2,000) $3,082
Speeding (16-20 MPH > limit) $2,819

Average cost of car insurance in Gainesville– by credit tier

Very poor: $4,412
Fair: $2,779
Good: $2,257
Very good: $2,083
Exceptional: $1,851

Average cost of car insurance in Gainesville– by zip code

ZIP Code Average Full Coverage Rate Average Liability Insurance Rate
32601 $147 $52
32603 $144 $52
32605 $146 $52
32606 $142 $52
32607 $146 $54
32608 $142 $51

Minimum car insurance requirements in Florida

As you embark on your car insurance journey, it’s important to bear in mind the minimum coverage required in Florida:

  • Property damage liability per accident: $10,000
  • Personal injury protection: $10,000

These figures represent the baseline coverage mandated in Florida. However, it’s wise to consider your individual circumstances. Depending on your vehicle and the amount of time you spend on the road, you may want to opt for higher coverage limits.

How to buy car insurance in Gainesville

When purchasing car insurance in Gainesville, follow these five steps to ensure a smooth and hassle-free experience:

  1. Determine your insurance needs: Assess whether you require minimum coverage, full coverage, or a middle ground. Consider factors like your vehicle’s value and your annual mileage.
  2. Prepare your information: Have your personal and vehicle details readily available. These include your driver’s license number, social security number, Vehicle Identification Number (VIN), and current mileage on your vehicle.
  3. Obtain quotes from at least three companies: Request quotes from multiple insurers while ensuring you compare similar coverage amounts and limits.
  4. Make an informed decision and purchase your policy: Price shouldn’t be the sole deciding factor, although the cheapest option may still be the best for you.
  5. Cancel your previous policy: Remember, it’s your responsibility to cancel your old policy; your new insurer cannot do it for you. However, wait until you’re certain that your new coverage is active before canceling the old policy.

Factors that impact the cost of your car insurance policy in Gainesville

When determining the cost of your auto insurance in Gainesville, insurance companies consider various factors that make your rates unique:

State requirements: Your policy must meet Florida’s minimum coverage, which is $10,000 for damage liability and $10,000 for personal injury protection (PIP).

Age: Younger drivers face higher rates due to inexperience and increased accident risks. However, rates tend to decrease after turning 25.

Car make and model: The safety of your vehicle influences your rates. A late-model Toyota Corolla will have lower insurance costs compared to a Chevrolet Corvette.

Driving record: Previous accidents and traffic violations can significantly raise your insurance rates since they indicate a higher likelihood of future claims.

Yearly mileage: Longer commutes result in higher rates compared to those who drive less frequently.

Credit history: A higher credit score correlates with lower rates. Insurers have observed that individuals with higher scores tend to file fewer claims.

Zip code: Your workplace and overnight parking location can affect your rates. Depending on the likelihood of vandalism or damage, you may receive a discount or experience a rate increase.

Marital status: Married drivers typically enjoy lower rates compared to single drivers.

Gender: Men around the age of 45 pay, on average, 6% less than females of the same age. However, the gender gap evens out for drivers in their 30s.

Florida car insurance laws to know

When cruising the roads of Florida, drivers are obligated to carry a minimum of $10,000 in property liability insurance and $10,000 in personal injury protection (PIP).

What makes Florida distinctive is its no-fault insurance system. In this arrangement, regardless of who is at fault in an accident, insurance companies are required to cover medical expenses. This ensures that all parties involved receive the necessary medical attention, regardless of the blame game.

In the news

Florida residents are facing a tough financial situation. The Dallas Morning News reports that costs are rising across the board, leading to the highest inflation in 40 years. On top of that, auto insurance rates in Florida have spiked by an average of 23.8% in 2022, which is eight times higher than the previous year.

This marks the largest annual increase in at least 20 years, according to the Florida Department of Insurance. Homeowners insurance rates have also gone up by an average of 10.8%, the biggest gain since 2012. These increases are putting a strain on the wallets of people in Florida, making it more challenging to manage their finances.

Information about Gainesville

Gainesville, known for its vibrant community, is home to the University of Florida, making it a hub for education, research, and innovation. With a population of approximately 133,000, Gainesville offers a dynamic blend of urban amenities and natural beauty.

Spanning an area of 62.4 square miles, Gainesville may not be the largest city in terms of land area, but it boasts a rich cultural scene and abundant recreational opportunities. The city is surrounded by picturesque natural resources, including the scenic Paynes Prairie Preserve State Park and the stunning Kanapaha Botanical Gardens.

Car insurance discounts in Gainesville

In Gainesville, car insurance tends to be more affordable compared to larger cities like Tampa and Miami in Florida. However, if you want to save even more on your premiums, it’s crucial to explore available discounts. Here are some common discounts you can take advantage of:

  • Having a good driving history
  • Installing vehicle safety features
  • Customer loyalty
  • Being claims-free
  • Driving fewer than average miles
  • Being a student with at least a “B” average
  • Military discount
  • Senior discount


What is the cheapest car insurance in the State of Florida?

When it comes to car insurance in Florida, GEICO takes the crown for affordability. They offer the cheapest rates, with a yearly premium of just $437 for minimum liability coverage.

Do I need car insurance in Gainesville?

By law, all Gainesville drivers are required to have auto liability insurance. It’s not optional—it’s a must.

How much does car insurance cost in Gainesville on average?

In Gainesville, full coverage car insurance averages $2,562 per year, while minimum coverage averages $1,121 annually.

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