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Cheapest car insurance in Gainesville, Florida (Apr 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Gainesville, Florida.
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Jasmine Kanter
Expert Insurance Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Maria Cruz, Expert Insurance Writer & Editor

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
4.4
$1,470
$684
4.0
$1,547
$632
4.4
$1,888
$952
Embark General
4.5
$2,068
$966
4.2
$2,760
$1,088
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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 companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$306
Louis, 40
Zip: 32641
Toyota Camry CE
• No Coverage Liability
• Comp / Collision
Allstate
$190
Olive, 24
Zip: 32607
Honda Civic EXL
• 15,000/30,000 Liability
• Comp / Collision
Travelers
$203
Brent, 25
Zip: 32609
Hyundai Elantra GLS
• 100,000/300,000 Liability
• Comp / Collision
Safeco
$95
Roy, 43
Zip: 32601
Toyota Camry Hybrid
• State Minimum Liability
• Comp / Collision
Mercury
$93
Dora, 32
Zip: 32605
KIA Forte LX
• State Minimum Liability
coverageLast Updated Apr 10, 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.
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
Lower my car insurance too!

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.
card cover
Ora (23 years old)
coverageCoverage
State Minimum
locationGainesville, FL
(Zip Code: 32603)
$192
per month
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Linnie (39 years old)
coverageCoverage
State Minimum
locationGainesville, FL
(Zip Code: 32641)
$117
per month
card cover
Willie (33 years old)
coverageCoverage
State Minimum
locationGainesville, FL
(Zip Code: 32601)
$98
per month
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Lela (53 years old)
coverageCoverage
State Minimum
locationGainesville, FL
(Zip Code: 32609)
$121
per month
card cover
Gainsco
Rosa (33 years old)
coverageCoverage
State Minimum
locationGainesville, FL
(Zip Code: 32608)
$135
per month

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.
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• No Coverage Liability
• Comp / Collision
Progressive
$306
Louis, 40
Zip: 32641
Toyota Camry CE
• 100,000/300,000 Liability
• Comp / Collision
Travelers
$203
Brent, 25
Zip: 32609
Hyundai Elantra GLS
• 15,000/30,000 Liability
• Comp / Collision
Allstate
$190
Olive, 24
Zip: 32607
Honda Civic EXL
• State Minimum Liability
• Comp / Collision
Safeco
$95
Roy, 43
Zip: 32601
Toyota Camry Hybrid
• State Minimum Liability
• Comp / Collision
National General
$245
Teresa, 33
Zip: 32608
Chevrolet Malibu LT
coverageLast Updated Apr 10, 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.

Average cost of car insurance in Gainesville by zip code

Your ZIP code doesn’t just indicate your address, but also the amount of traffic congestion, crime, and car accidents in your neighborhood. In short, it tells insurance providers how likely you are to make a claim. 
Naturally, the higher the risk, the higher your rates. Here’s what you’ll pay on average if you move to these ZIP codes in Gainesville.
Zip CodeAverage State Minimum Coverage RateAverage Full Coverage Rate
32601
$98
$192
32603
$48
$213
32606
$158
$181
32607
$127
$213
32608
$111
$205
32609
$129
$212
32641
$117
$258

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.

How do different factors impact your car insurance costs in Gainesville?

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Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
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Prohibited (or effectively prohibited): Florida currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Gainesville:

Cheap car insurance quotes in Gainesville after driving violations

Your car insurance rates depend significantly on your
Florida driving record
. If you run a red light, commit a DUI, or receive a
reckless driving conviction
, you might be considered a
high-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 TypeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Speeding 1-5
Progressive
$93
Estelle, 31
Zip: 32605
Ford Taurus SE
• State Minimum Liability
Speeding 16-20
Safeco
$190
Stephen, 33
Zip: 32608
Chevrolet Malibu LT
• State Minimum Liability
• Comp / Collision
Speeding 21+
Bristol West
$142
Sara, 24
Zip: 32608
Ford Mustang
• No Coverage Liability
coverageLast Updated Apr 8, 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, like the ones below.
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Walter (35 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationGainesville, FL
(Zip Code: 32610)
$69
per month
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Lucile (41 years old)
coverageCoverage
State Minimum
locationGainesville, FL
(Zip Code: 32602)
$78
per month

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 typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With Injury
Safeco
$143
David, 23
Zip: 32609
Mazda MX-5 Miata Club
• 100,000/300,000 Liability
• Comp / Collision
At Fault With No Injury
Progressive
$306
Lucy, 40
Zip: 32641
Toyota Camry CE
• No Coverage Liability
• Comp / Collision
Not At Fault
Travelers
$233
Lizzie, 37
Zip: 32641
Chevrolet Malibu LS
• 100,000/300,000 Liability
At Fault With No Injury
Gainsco
$414
Dennis, 22
Zip: 32653
Hyundai Sonata Sport
• No Coverage Liability
• Comp / Collision
coverageLast Updated Apr 10, 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.
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Illegal Turn
Progressive
$93
David, 31
Zip: 32609
Ford Crown Victoria LX
• State Minimum Liability
Defective Equipment
Bristol West
$268
Joseph, 37
Zip: 32608
Ford Fusion S
• State Minimum Liability
• Comp / Collision
Failure to Obey Signal
Mercury
$244
Rosalie, 26
Zip: 32641
KIA Forte LX
• State Minimum Liability
• Comp / Collision
Careless Driving
Safeco
$188
Ricardo, 32
Zip: 32608
Hyundai Veloster
• 100,000/300,000 Liability
• Comp / Collision
Driving on Sus. License
Infinity
$305
Timothy, 33
Zip: 32608
Chevrolet Malibu LT
• State Minimum Liability
• Comp / Collision
Failure to Obey Signal
Mercury
$244
Adeline, 26
Zip: 32641
KIA Forte LX
• State Minimum Liability
• Comp / Collision
Improper Passing
Bristol West
$332
Carrie, 23
Zip: 32653
Hyundai Sonata Sport
• No Coverage Liability
coverageLast Updated Apr 12, 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.
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Cory (22 years old)
coverageCoverage
No Coverage
locationGainesville, FL
(Zip Code: 32608)
$130
per month
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Olive (24 years old)
coverageCoverage
15,000 per person
30,000 per accident bodily injury
Comp / Collision
locationGainesville, FL
(Zip Code: 32607)
$190
per month
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Ina (23 years old)
coverageCoverage
State Minimum
locationGainesville, FL
(Zip Code: 32601)
$111
per month
card cover
Betty (23 years old)
coverageCoverage
No Coverage
locationGainesville, FL
(Zip Code: 32653)
$332
per month
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Johnny (22 years old)
coverageCoverage
State Minimum
locationGainesville, FL
(Zip Code: 32603)
$279
per month

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.
card cover
Ethan (66 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationGainesville, FL
(Zip Code: 32653)
$100
per month

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.
card cover
Mabelle (24 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$333
per month
card cover
Leonard (23 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$240
per month
card cover
Hallie (23 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
carMazda MX-5 Miata Club
$143
per month
card cover
Gainsco
Elva (24 years old)
coverageCoverage
State Minimum
$99
per month
card cover
Hattie (23 years old)
$332
per month
card cover
Marvin (22 years old)
coverageCoverage
State Minimum
$279
per month

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 RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
> 750
Progressive
$93
Stella, 23
Zip: 32601
Nissan Sentra S
• No Coverage Liability
660 - 750
Safeco
$117
Noah, 39
Zip: 32641
Chevrolet Camaro LS
• State Minimum Liability
• Comp / Collision
660 - 750
Bristol West
$171
Lucy, 21
Zip: 32608
Nissan Versa S
• No Coverage Liability
550 - 659
Travelers
$233
Thomas, 37
Zip: 32641
Chevrolet Malibu LS
• 100,000/300,000 Liability
< 550
Infinity
$315
Rachel, 26
Zip: 32607
Chevrolet Malibu 2LT
• State Minimum Liability
• Comp / Collision
coverageLast Updated Apr 13, 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 college
  • Telematics 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?

The average car insurance policy in Gainesville costs an average of $103 per month for minimum coverage. Full coverage costs about $247 per month.

Who has the cheapest car insurance in Florida?

The company with the cheapest auto insurance in Florida depends mainly on the driver. Every provider calculates rates differently, and every driver is different too, so finding the best deal depends on finding the best match for you.

How much is car insurance per month in Florida? 

Car insurance in Florida costs an average of $174 per month or $2,088 per year for minimum coverage. A full-coverage car insurance policy brings the average rate to $312 per month or $3,744 per year.

Why is Florida car insurance so high?

Severe weather, a high number of insurance claims, and a sizable population all contribute to Florida’s premium costs.
Florida car insurance is also high because of the Sunshine State’s large number of uninsured drivers. The
Insurance Information Institute
reported a little over one in five drivers were uninsured in 2019. Because they don’t have liability coverage, the cost of fixing their damages gets passed on to insurers, who pass it on to consumers.

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.

Meet our experts

avatar
Jasmine Kanter
Jasmine Kanter is an insurance writer specializing in subjects relating to home ownership, car insurance requirements, and driving tips. Jasmine combines her background in communication and languages with a passion for writing to create straightforward, yet comprehensive content that’s accessible to car enthusiasts, beginners, and everyone in between. Since joining the Jerry team, Jasmine has penned nearly 300 articles covering subjects from how to save money on homeownership costs to roadside assistance service reviews.
Prior to joining Jerry, Jasmine worked as a storyboard analyst for Depanneur Films and a training assistant for Assistance Services Group.
avatar
Maria Cruz
badge icon
Expert Insurance Writer & Editor
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.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
badge icon
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.