Best car insurance companies in Gainesville
Before beginning your search for the best car insurance companies in Gainesville, take a moment to think about your insurance needs. Your top pick could change depending on whether you value affordability, speed, or quality.
Providers like Safeco, Direct Auto, and Progressive Insurance in Gainesville, FL have competitive rates for a range of drivers, from teens to seniors to those with poor credit. To help you and other drivers in their search for the right company, Jerry surveyed 15,000 verified policyholders and asked them to rate their providers in several key areas.
Take a look at the table below to see how the biggest insurers in Florida scored in terms of policy cost, claims experience, customer service, and overall performance.
| Insurance Company | Overall Jerry rating | Average annual full coverage cost | Average annual minimum coverage cost |
|---|---|---|---|
| State Auto | 4.4 | $1,470 | $684 |
| Direct Auto | 4.0 | $1,547 | $632 |
| Safeco | 4.4 | $1,888 | $952 |
| Embark General | 4.5 | $2,068 | $966 |
| Progressive | 4.2 | $2,760 | $1,088 |
How’d we get these scores?
Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How to find the cheapest car insurance in Gainesville
Gainesville drivers pay an average of $103 for state minimum coverage and $247 per month for full coverage car insurance. That’s about 28% less than the average cost of auto insurance in the Sunshine State.
It can be a challenge to find the right coverage at the best price in the Florida market, which is saturated with hundreds of providers and thousands of insurance products. The Jerry app makes collecting and comparing free quotes in Gainesville a matter of moments, not hours.
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Embark General | $220 | 24 | 32605 | Mercury Milan | No Coverage | Yes |
| National General | $72 | 67 | 32601 | Subaru Legacy L | No Coverage | No |
| Progressive | $239 | 50 | 32608 | Chevrolet C1500 Suburban Ltz | State Minimum | Yes |
| National General | $207 | 31 | 32641 | Hyundai Sonata Gls | No Coverage | Yes |
| Embark General | $102 | 54 | 32609 | Chevrolet Monte Carlo Ls | No Coverage | No |
Cheapest Gainesville car insurance for good drivers
Not all of the factors that make up your insurance rates are within your control—you can’t change your age or your claims history, for example. But you can keep your driving record clean and reap the rewards of safe driving habits.
Jerry’s DriveShield™ rewards good drivers in Gainesville with up to 40% off their annual premiums. The app makes it easy to both track your driving and redeem rewards like the quotes below.
| Customer | Driving Score | Insurance Savings | Has Violations | Insurance Coverage |
|---|---|---|---|---|
| Jonas, 25 | 94 | 35% | No | – State Minimum Liability – Minimum Coverage |
| Alejandra, 34 | 77 | 24% | No | – 100/300 – Comp/Collision |
| Jean, 44 | 85 | 29% | No | – State Minimum Liability – Minimum Coverage |
| Michelle, 54 | 97 | 38% | No | – State Minimum Liability – Minimum Coverage |
| Eric, 64 | 67 | 22% | No | – State Minimum Liability – Comp/Collision |
Best cheap car insurance quotes in Gainesville
Under Florida’s no-fault and car insurance laws, drivers in Gainesville must carry both personal injury protection (PIP) and property damage liability (PDL) coverage to drive.
PIP is a type of no-fault insurance, meaning you can file a claim even if the accident was your fault. It covers the medical bills for you and your passengers. PDL, on the other hand, only applies if you cause an at-fault accident, and it only covers the other driver’s property damages (like a wrecked car or fence).
Unfortunately, the minimum coverage limits for both types of insurance are rarely enough to protect your assets in the event of an accident.
Cheap minimum liability insurance quotes in Gainesville
Besides getting Personal Injury Protection (PIP) and Property Damage Liability (PDL) insurance, you need the right coverage limits to drive in Florida. Your policy must provide at least $10,000 of coverage for each.
That’s as far as minimum coverage insurance goes in Florida. While Jerry recommends adding extra coverage options and raising your liability limits to be safe, it can also help you find the lowest rates for the bare minimum coverage.
Do you need more than minimum coverage in Gainesville?
You need more than the minimum insurance coverage in Gainesville for full peace of mind.
After a serious accident, it’ll likely cost far more than $10,000 to treat the injuries of you and your passengers. If the other driver is the injured party, you can expect a personal injury lawsuit when their PIP coverage runs out. The same goes for property damages and PDL.
Florida’s car accident laws also allow car accident victims to file a personal injury lawsuit within four years of a car accident. Other damages and complications could surface during this time, making it crucial to invest in a liability insurance policy that allows you to draw upon it over the long term.
The bottom line: Florida drivers can benefit from higher PIP and PDL limits, plus bodily injury liability coverage.
Cheapest full coverage car insurance quotes in Gainesville
With the minimum coverage auto insurance in Florida, PIP treats your and your passengers’ injuries, while PDL fixes or replaces the other driver’s property. Unfortunately, that makes it your sole responsibility to pay for repairing or replacing your car.
Full coverage car insurance—which includes collision and comprehensive coverage—saves you from paying these out-of-pocket costs. Collision insurance covers any damages sustained in an accident with another car or stationary object, while comprehensive insurance applies to weather, theft, and vandalism.
Full coverage insurance is a great idea as long as your car’s actual cash value exceeds $3,000. It may also be required if you lease or finance your car.
|
Liability Limits
|
Has Full Coverage
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
|---|---|---|---|---|---|---|
| No Coverage | Yes | Embark General | $220 | 24 | 32605 | Mercury Milan |
| No Coverage | No | National General | $72 | 67 | 32601 | Subaru Legacy L |
| State Minimum | Yes | Progressive | $239 | 50 | 32608 | Chevrolet C1500 Suburban Ltz |
| No Coverage | Yes | National General | $207 | 31 | 32641 | Hyundai Sonata Gls |
| No Coverage | No | Embark General | $102 | 54 | 32609 | Chevrolet Monte Carlo Ls |
A licensed insurance broker makes finding auto insurance quotes easy. Not only are their insurance services free, but they also help you compare your options and make an informed decision.
The Jerry Insurance Agency offers a customer service department staffed with licensed insurance agents. You can browse deals in comfort from your smartphone or make a phone call to get all your questions answered.
Average cost of car insurance in Gainesville
The average cost of minimum coverage car insurance in Gainesville is $103 per month or $1,796 every year. It costs $247 per month, or $2,964 annually, if you upgrade to a full-coverage auto insurance policy.
However, the rates you find will be influenced by your unique driving record, insurance history, and driver profile. Don’t set your budget in stone before asking for a few personalized quotes.
Car insurance quotes in Gainesville by rating factors
The formula that insurance providers use to calculate your car insurance premiums is all about risk. The higher the risk that you’ll file a claim, the higher your rates.
Here are all the personal rating factors that providers plug into their formulas and what they say about risk.
- Credit score: Statistical data shows that drivers with bad credit make more insurance claims than ones with good credit.
- Driving record and claims history: It’s only natural for insurers to look at the car accidents and traffic citations in your past to predict how likely you are to make the same mistakes in the future.
- Location: Some ZIP codes are riskier than others as they experience more vandalism, traffic accidents, or even theft.
- Usage: If you commute regularly, you regularly put yourself at risk for collisions. Someone who works at home and only uses their car recreationally has relatively lower chances of getting into an accident.
- Vehicle type: While the car you drive doesn’t necessarily tell insurers how likely you are to get into a crash, it does tell them how expensive your claims are likely to be. That’s why comprehensive and collision coverage is more expensive for luxury, sports, and performance models.
Cheap car insurance quotes in Gainesville after driving violations
Your car insurance rates depend significantly on your https://getjerry.com/driving/florida-driving-recordFlorida driving record. If you run a red light, commit a DUI, or receive a https://getjerry.com/driving/florida-reckless-drivingreckless driving conviction, you might be considered a https://getjerry.com/car-insurance/affordable-car-insurance-for-high-risk-drivershigh-risk driver, which makes it difficult (but not impossible) to find affordable insurance in Gainesville.
Cheapest car insurance in Gainesville after speeding ticket
Florida speeding tickets come with driver violation points and higher car insurance premiums. The number of points you receive and the difference it makes to your rates depends on how fast you sped.
- 1-5 MPH over the limit: No points
- 6-9 MPH over the limit: 3 points
- 10-14 MPH over the limit: 3 points
- 15-19 MPH over the limit: 4 points
- 20-29 MPH over the limit: 4 points
- 30 MPH or more over the limit: 4 points and mandatory court appearance
Jerry helps drivers who sped from 1-30+ MPH over the limit find cheaper rates in Gainesville.
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Speeding Type
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| Speeding Violation-Major | Progressive | $97 | 42 | 32605 | Honda Cr-V Ex-L | State Minimum | Yes |
| Speeding Violation-Major | National General | $98 | 42 | 32605 | Lexus Rx 350 | No Coverage | No |
| Speeding Violation-Minor | Bristol West | $370 | 24 | 32609 | Jeep Compass Limited | No Coverage | Yes |
| Speeding Violation-Minor | Bristol West | $128 | 23 | 32608 | Toyota Avalon Xl | No Coverage | No |
| Speeding Violation-Major | Bristol West | $574 | 25 | 32605 | Kia Sportage Lx | No Coverage | Yes |
Cheapest car insurance in Gainesville after DUI
Insurers see a DUI in Florida as a red flag. To find affordable coverage, you’ll probably have to shop around and compare auto insurance quotes.
Jerry has helped many drivers in Gainesville find affordable insurance coverage with a provider willing to look past their previous convictions.
Cheapest car insurance in Gainesville after an at-fault accident
A driving history of at-fault car accidents indicates a higher chance of future claims (and costs) to auto insurance providers. Collide with a car or a tree and you could see your rates jump around renewal time.
Comparing free quotes is easy with Jerry and can help you find affordable rates in Gainesville like the deals below.
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Accident type
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| At Fault With Injury | National General | $207 | 31 | 32641 | Hyundai Sonata Gls | No Coverage | Yes |
| Not At Fault | Mendota | $262 | 24 | 32601 | Mercedes-Benz C 250 | State Minimum | Yes |
| At Fault With No Injury | Progressive | $217 | 40 | 32606 | Toyota Camry Ce | No Coverage | No |
| At Fault With No Injury | Progressive | $578 | 45 | 32607 | Hyundai Sonata Gls | State Minimum | Yes |
| At Fault With Injury | Assurance America | $240 | 31 | 32609 | Nissan Altima 2.5 | No Coverage | Yes |
Cheapest car insurance in Gainesville after other driving violations
Speeding tickets, DUIs, and at-fault accidents aren’t the only driving violations that can raise your rates. Getting a conviction for careless driving, reckless driving, or driving on a suspended license can also spell bad news for your car insurance costs.
Check to see how much you could pay for car insurance in Gainesville if you search with Jerry.
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Violation
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| Driving on Sus. License | Progressive | $217 | 40 | 32606 | Toyota Camry Ce | No Coverage | No |
| Suspension | Progressive | $578 | 45 | 32607 | Hyundai Sonata Gls | State Minimum | Yes |
| Suspension | Assurance America | $240 | 31 | 32609 | Nissan Altima 2.5 | No Coverage | Yes |
| Other Minor | Dairyland | $364 | 32 | 32641 | Honda Accord Sport | No Coverage | Yes |
| Other Major | Bristol West | $202 | 23 | 32607 | Ford Fusion Se | No Coverage | Yes |
Cheap car insurance quotes in Gainesville by age
Generally, young drivers begin their driving careers with high rates. Their premiums drop when they turn 25 and decrease steadily through middle age, only to rise again in their mid-70s as the risk of accidents and injuries increases.
Cheapest car insurance in Gainesville for young drivers
If you’re between the ages of 16 and 21 in Gainesville, you’ll pay the highest insurance premiums of any age group.
To bring costs down, ask if an older household member can add you to their policy. You might also consider chipping in for full coverage, which is the best choice of car insurance for teen drivers since it pays for most driving mistakes.
Cheapest car insurance in Gainesville for senior drivers
Car insurance for senior drivers is typically higher than the national average because they have an increased risk of getting into a car accident and suffering severe injuries.
Cheap car insurance quotes in Gainesville based on insurance history
Unfortunately, insurers attach a price premium if you’re currently uninsured or you’ve suffered a past car insurance lapse.
Not only has Jerry helped drivers in Gainesville find low-cost coverage, but it has also helped them stay in their insurer’s good books by providing automatic payment reminders.
Cheap car insurance quotes in Gainesville for drivers with poor credit
A bad credit score doesn’t necessarily correlate with bad driving habits, but statistics show that it’s associated with more frequent insurance claims.
If you have a credit score of 550 or less, Jerry can help you cope with the link between low credit scores and high car insurance rates. Here are a few deals Gainesville drivers found on the app.
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Credit Score
|
Insurance Company
|
Monthly Quote
|
Age
|
Zip Code
|
Car Make Model Trim
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| 550-659 | Embark General | $220 | 24 | 32605 | Mercury Milan | No Coverage | Yes |
| 660-750 | Progressive | $239 | 50 | 32608 | Chevrolet C1500 Suburban Ltz | State Minimum | Yes |
| 550-659 | National General | $207 | 31 | 32641 | Hyundai Sonata Gls | No Coverage | Yes |
| 660-750 | Embark General | $102 | 54 | 32609 | Chevrolet Monte Carlo Ls | No Coverage | No |
| 550-659 | Mendota | $262 | 24 | 32601 | Mercedes-Benz C 250 | State Minimum | Yes |
Cheap car insurance quotes in Gainesville for popular cars
Don’t drive a sports car, luxury SUV, or high-performance model if you want to save money on car insurance. The high-torque engines and carbon-fiber rims that speak to car fanatics also make auto insurance providers charge more for full coverage.
That doesn’t mean auto insurance companies don’t appreciate any of your car’s features—you may see lower rates if your vehicle has low repair costs, replacement costs, chances of theft, or chances of occupant injuries. Here are the five most popular cars in Gainesville that perform well in all four categories.
- Toyota Camry
- Honda Accord
- Ford F-Series
- Chevrolet Silverado
- Nissan Altima
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Popular Car
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Toyota Camry Ce | Progressive | $217 | 40 | 32606 | No Coverage | No |
| Nissan Altima 2.5 | Assurance America | $240 | 31 | 32609 | No Coverage | Yes |
| Nissan Altima S | Bristol West | $303 | 57 | 32608 | State Minimum | Yes |
| Honda Accord Sport | Dairyland | $364 | 32 | 32641 | No Coverage | Yes |
| Honda Accord Exl | Bristol West | $246 | 33 | 32601 | State Minimum | No |
How to lower car insurance costs in Gainesville
1. Shop around and compare quotes
To find the best rate on auto insurance, insurance agents recommend comparing quotes from at least three different companies every six months.
Jerry lets drivers skip straight to the lowest-cost options in their neighborhood by automatically comparing car insurance quotes. You can sign up in 45 seconds and get the best five to seven quotes in less than a few minutes for free.
2. Hunt for car insurance discounts
Car insurance discounts can transform an okay insurance rate into a great one. All you have to do is call up your provider and ask about their savings programs.
They may offer discounts for:
- Good drivers who have held a clean driving record for at least three years
- Good students who have a B average or better in high school or collegeTelematics users who track their driving habits and work to improve them
- Policyholders who bundle two or more insurance products at once, like life insurance, renters insurance, business insurance, or homeowners insurance
3. Increase your deductible for comprehensive and collision coverage
You can increase your deductible to save on insurance costs, but should only raise your full-coverage deductible as a last resort and after making sure you can afford it.
FAQ
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How much is car insurance in Gainesville, Florida?
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Jasmine Kanter is a non-fiction writer specializing in comprehensive content that\\\\\\\’s accessible to beginners, experts, and everyone in between. Since joining the Jerry team, Jasmine has penned over 300 articles on car insurance requirements, driving tips, and car maintenance. Prior to joining Jerry, Jasmine worked as a graphic designer, storyboard artist, and French customer service representative. She enjoys collecting hobbies and babysitting ducks in her spare time.
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
