Cheapest car insurance in Gainesville, Florida (Nov 2024)

Written by Jasmine Kanter and 2 others
Nov 22, 2024
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Cheapest car insurance in Gainesville, Florida (Nov 2024)

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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 CompanyOverall Jerry ratingAverage annual full coverage costAverage annual minimum coverage cost
State Auto4.4$1,470$684
Direct Auto4.0$1,547$632
Safeco4.4$1,888$952
Embark General4.5$2,068$966
Progressive4.2$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
Progressive $181 43 32641 Ford Expedition Xlt No Coverage No
Progressive $97 42 32605 Honda Cr-V Ex-L State Minimum Yes
The General $166 24 32607 Hyundai Elantra Sel No Coverage No
National General $69 23 32608 Hyundai Santa Fe Sport No Coverage Yes
National General $138 40 32606 Toyota Camry Ce No Coverage No
Last Updated Dec 5, 2024

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.

CustomerDriving ScoreInsurance SavingsHas ViolationsInsurance Coverage
Jonas, 259435%No– State Minimum Liability
– Minimum Coverage
Alejandra, 347724%No– 100/300
– Comp/Collision
Jean, 448529%No– State Minimum Liability
– Minimum Coverage
Michelle, 549738%No– State Minimum Liability
– Minimum Coverage
Eric, 646722%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 No Assurance America $151 24 32608 Cadillac Cts Luxury Collectio
No Coverage Yes The General $1,029 27 32607 Kia Optima Ex
No Coverage Yes National General $158 65 32641 Ford F-150
No Coverage Yes National General $163 48 32607 Chevrolet Equinox Ls
State Minimum No Progressive $133 53 32608 Chrysler Town & Country Lmt
Last Updated Nov, 2024

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.

Speeding Type
Insurance Company
Premium (monthly)
Age
Zip Code
Car
Liability Limits
Has Full Coverage
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
Speeding Violation-Minor Progressive $181 24 32606 Ford Fusion Titanium No Coverage Yes
Last Updated Nov, 2024

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.

Accident type
Insurance Company
Premium (monthly)
Age
Zip Code
Car
Liability Limits
Has Full Coverage
Not At Fault Progressive $181 43 32641 Ford Expedition Xlt No Coverage No
Not At Fault Progressive $97 42 32605 Honda Cr-V Ex-L State Minimum Yes
At Fault With No Injury The General $166 24 32607 Hyundai Elantra Sel No Coverage No
Not At Fault National General $69 23 32608 Hyundai Santa Fe Sport No Coverage Yes
At Fault With No Injury National General $138 40 32606 Toyota Camry Ce No Coverage No
Last Updated Dec 5, 2024

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.

Violation
Insurance Company
Premium (monthly)
Age
Zip Code
Car
Liability Limits
Has Full Coverage
Driving on Sus. License National General $138 40 32606 Toyota Camry Ce No Coverage No
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
Suspension Progressive $331 37 32608 Toyota Highlander Xle No Coverage Yes
Suspension National General $119 34 32606 Hyundai Elantra No Coverage Yes
Last Updated Dec 5, 2024

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.

Credit Score
Insurance Company
Monthly Quote
Age
Zip Code
Car Make Model Trim
Liability Limits
Has Full Coverage
550-659 Progressive $181 43 32641 Ford Expedition Xlt No Coverage No
<550 Progressive $97 42 32605 Honda Cr-V Ex-L State Minimum Yes
<550 The General $166 24 32607 Hyundai Elantra Sel No Coverage No
660-750 National General $69 23 32608 Hyundai Santa Fe Sport No Coverage Yes
660-750 National General $138 40 32606 Toyota Camry Ce No Coverage No
Last Updated Dec 5, 2024

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.

Popular Car
Insurance Company
Premium (monthly)
Age
Zip Code
Liability Limits
Has Full Coverage
Honda Accord Sport Dairyland $364 32 32641 No Coverage Yes
Honda Accord Exl Bristol West $246 33 32601 State Minimum No
Nissan Altima S Infinity $694 41 32601 State Minimum No
Nissan Altima 2.5 Bristol West $310 34 32607 No Coverage Yes
Toyota Camry Hybrid National General $70 44 32601 No Coverage No
Last Updated Nov, 2024

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

  • How much is car insurance in Gainesville, Florida?
  • Who has the cheapest car insurance in Florida?
  • How much is car insurance per month in Florida? 
  • Why is Florida car insurance so high?
MEET OUR EXPERTS
meet-experts-thumbnail
Jasmine Kanter

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.

meet-experts-thumbnail
Maria Cruz

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.

meet-experts-thumbnail
Josh Damico

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.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.

Insurance research

We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).

We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.

For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.

Team

The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

For illustrative purposes only, results may vary

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article represent the author’s personal opinions and do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.