Best Car Insurance in Gainesville 2021

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Car insurance in Gainesville Florida costs single-car drivers an average of $2,801 annually, or about $233 per month. Compared to the state annual average of $3,160, auto insurance in Gainesville is $359 lower.
Here’s how much real Jerry customers pay for insurance in Gainesville:

Real quotes for Jerry customers in Gainesville, Florida

Quote DateMake / modelStateAgeInsurance CompanyCoverage Type
Before Jerry
After Jerry
January 20, 2021Chevrolet Traverse LTFL51NationwideCustom$225/mo.$100/mo.
August 12, 2021Chevrolet Impala LTFL24National GeneralCustom$233/mo.$119/mo.
August 12, 2021Chevrolet Impala LTFL24MercuryCustom$233/mo.$190/mo.
April 3, 2021Hyundai Sonata SEFL41DairylandCurrent$234/mo.$201/mo.
February 28, 2021Kia Soul +FL20MetlifeCurrent$230/mo.$205/mo.
The best way to secure the right plan for lower premiums in Gainesville is to shop around and compare quotes. Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from carrier to carrier.
Are you on the hunt for insurance quotes? Meet Jerry. Answer a handful of easy questions that take roughly 45 seconds and Jerry will instantly find quotes from up to 45 insurance carriers. No waiting, no long forms.
Drivers inGainesville have saved money by comparing prices and switching plans through Jerry.

Best Car Insurance Carriers in Gainesville, Florida

Insurance Company
Before Jerry
After Jerry
Nationwide$2,499$1,587
Kemper$3,308$1,952
Travelers$2,767$2,063
State Auto$2,780$2,300
Allstate$3,614$2,477
Safeco$3,483$2,497
Dairyland$3,441$2,575
National General$3,797$2,635

Minimum coverage car insurance in Gainesville

On average, the cost of minimum coverage car insurance in Gainesville is $3,204 per year, or $267 per month.

The minimum level of car insurance required in Gainesville is liability coverage, which helps to pay for other people’s expenses when you’re at fault in an accident.
Remember, the minimum insurance coverage is a requirement, not a recommendation. In some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
Here’s how much Jerry users pay for minimum liability car insurance in Gainesville:
Before Jerry
After Jerry
$2,518$1,439
Shopping around it important in order to find the best price and coverage to suit your needs. Here’s how much Jerry users pay with various carriers for their minimum coverage insurance:
Insurance Company
Before Jerry
After Jerry
National General$3,458$1,649
Progressive$2,233$1,833
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Full coverage car insurance in Gainesville

Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run).
Full-coverage car insurance policies generally include:
If you decide that full-coverage insurance is the best option for you, Jerry can help you save there, too. Here’s what Jerry users pay in Gainesville:
Before Jerry
After Jerry
Here’s how much Jerry users pay with various carriers for their full coverage insurance:
Insurance Company
Before Jerry
After Jerry
Progressive$2,400$2,256
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How does your age affect your auto insurance cost in Gainesville?

If you’re a driver under 25 in Gainesville, you could be paying as much as $108 more per month than an adult driver.

The bottom line is, younger drivers are at a higher risk of getting into accidents, which is reflected in higher insurance premiums.
Here’s how much drivers under 25 in Gainesville saved by switching car insurance through Jerry:
Age Group
Before Jerry
After Jerry
18-20$1,817$1,663
21-24$4,157$2,385
On the contrary, here’s how much drivers aged 25 and over in Gainesville pay for car insurance:
Age Group
Before Jerry
After Jerry
25-34$3,150$1,862
35-44$2,631$2,016
45-54$2,423$1,643
55-64$2,563$1,470

Cheapest car insurance for drivers in Gainesville with prior incidents

It’s no secret that your driving record will impact your auto insurance premium. How much will your rate go up if you have a minor infraction? A major infraction? Quantifying those differences can be difficult, and it’s hard to know what carriers to choose if you have been involved in an accident or traffic incident.
If your driving record isn’t squeaky clean, Jerry can help you figure out which carrier can give you the best rate in just 45 seconds. Here’s how much Jerry customers in Gainesville saved on car insurance despite having prior incidents on their record:
Driving Violation
Before Jerry
After Jerry
Clean Record$3,277$1,644
Careless Driving$1,560$1,536
Speeding under 15$2,100$1,963
Here’s how much drivers with a bad driving record in [Gainesville saved by switching car insurance through Jerry:
Insurance Company
Before Jerry
After Jerry
Nationwide$2,700$1,248
Progressive$2,600$1,817
National General$3,618$2,139
Dairyland$2,808$2,412

Cheapest car insurance for young drivers in Gainesville with prior incidents

Young drivers with less-than-stellar driving records have “double-trouble” insurability status, which can make finding affordable rates extremely difficult.
Fortunately, Jerry can help young drivers with prior incidents find the right coverage for the best price.
Driving Violation
Before Jerry
After Jerry
Clean Record$2,649$1,101
Here’s how much young drivers with a bad driving record in [Gainesville saved by switching car insurance through Jerry:
Insurance Company
Before Jerry
After Jerry
Progressive$2,906$1,955
National General$4,413$2,367
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How can you save money on car insurance in Gainesville

Finding the cheapest car insurance doesn’t begin and end with comparing quotes. In other words, you can’t forget discounts.
Discounts are a great way to save money on your coverage. Here are some to keep an eye out for:
  • Customer loyalty (e.g. bundling, early renewal)
  • Demographic (e.g. good student, senior)
  • Driver affiliations (e.g. military, affinity)
  • Driving history (e.g. accident-free, safe driver)
  • Driver training (e.g. defensive driver course)
  • Equipment-related (e.g. anti-theft, new car)
  • Payment (e.g. auto-pay, paperless)
You could also save money on car insurance by taking a defensive driving course. This might qualify you for a lower rate, on top of making you a better and savvier driver who can properly navigate a driving or traffic hazard.
By analyzing your coverage needs and generating new quotes before every renewal, Jerry can ensure that you stay up-to-date on all the discounts available to you. You could also save money on car insurance by taking a defensive driving course. This might qualify you for a lower rate, on top of making you a better and savvier driver who can properly navigate a driving or traffic hazard.

Does your rate depend on what part of Gainesville you live in?

Car insurance rates don’t just differ by city—they also differ by ZIP code, which means your premiums could fluctuate if you move to a new neighborhood within the same urban location.
Use the tool below to figure out real quotes for drivers in your immediate area, and to see how much you could be saving on car insurance with Jerry.
Quote DateMake / modelStateAgeInsurance CompanyCoverage Type
Before Jerry
After Jerry
March 22, 2021Nissan Sentra SFL42Bristol WestBasic$256/mo.$102/mo.
March 22, 2021Nissan Sentra SFL42GainscoBasic$256/mo.$126/mo.
January 6, 2021Hyundai Elantra GLSFL29KemperBasic$175/mo.$46/mo.
January 20, 2021Chevrolet Traverse LTFL51NationwideCustom$225/mo.$100/mo.
August 12, 2021Chevrolet Impala LTFL24National GeneralCustom$233/mo.$119/mo.

Methodology

Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last twelve months.

Browse questions from our car experts

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