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Ava Lynch

Insurance Analyst

  • 7+ years of Experience in the Insurance Industry

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior insurance contributor, providing insights and data a…

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Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

How much does auto insurance cost in Gainesville?

Auto insurance costs an average of $919 every six months in Gainesville. That's less than the average across Florida ($1,154) and pricier than the national average of $880. Our guide to Gainesville car insurance includes average rates based on age, credit score, and other factors in Gainesville. Keep reading to learn more!

Car insurance in Gainesville vs. Florida Average 6 Mo. Premium
Gainesville average $919
Florida average $1,154

The Zebra's key takeaways about car insurance in Gainesville:

  • The average cost of a car insurance policy in Gainesville is $919 per six-month policy — $153 per month.
  • The cheapest company in Gainesville is State Farm ($640).
  • 39% of Zebra customers in Gainesville stated they used our product because they were paying too much for car insurance with their current provider.

Are you paying too much for auto insurance?

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Gainesville auto insurance rates by provider

One of the most important determinants of your car insurance rates is the insurance company you work with. For a typical driver, State Farm offers Gainesville's cheapest rates. See below the best companies for cheap auto insurance in Gainesville — but don't forget to get car insurance quotes based on your unique driving profile.

Cheapest car insurance companies in Gainesville, FL
Company Avg. 6 Mo. Premium
State Farm $640
GEICO $839
Progressive $998
Allstate $1,362
Age group Average Six-month Rate
Teenagers $2,615
20s $1,175
30s $915
40s $897
50s $843
60s $859
70s $1,042

The Zebra’s auto insurance data methodology

The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.

The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.

For a comprehensive understanding, see our detailed methodology.

Shop around for the best rates

The only way to know which company has the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in Gainesville.

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Gainesville auto insurance premiums by age

Our data shows that drivers between the ages of 20-29 make up 31% of Gainesville drivers. Gainesville drivers in their 50s enjoy relatively affordable auto insurance rates, paying just $843 every six months on average. Drivers in their 60s pay marginally higher rates — $859 per 6-month period.

Young drivers aged 16 to 19 pay the most for car insurance in Gainesville. One of the easiest ways to lower your car insurance rates as a driver in Gainesville is to age out of your teenage years. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in Gainesville is $2,876, the largest such difference between any two age groups.

Gainesville Auto Insurance Costs by Age
Age bracket Avg. 6 Mo. Premium
Teenagers $2,612
20s $1,175
30s $915
40s $897
50s $843
60s $859
70s $1,042

Gainesville car insurance costs by credit score

It's no secret credit score is closely correlated with car insurance rates. Gainesville drivers who improve their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn, on average, a 59% decrease in their auto insurance costs. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price adjustment. In Gainesville, moving into the "Fair" credit tier corresponds to an average of $1,370 in savings on insurance each year. Our data tells us 32% of drivers in Gainesville have a credit score of good (680-719). 

credit score
Gainesville auto insurance costs by credit level
Credit Tier Avg. 6 Mo. Premium
Very Poor $1,809
Fair $1,124
Good $919
Very Good $837
Exceptional $743

Gainesville auto insurance premiums by violation

No matter where you live, keeping your driving record clean is a great way to keep your auto insurance rates low. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.

Gainesville drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $943 per year versus the city average. A ticket for speeding results in a $430 rate hike while a DWI or DUI violation costs $867 per year in extra insurance expenditures.

Gainesville auto insurance rates after a violation
Incident Avg. 6 Mo. Premium
DWI/DUI $1,353
Reckless Driving $1,391
At-fault Accident (damages less than $1,000) $1,255
At-fault Accident (damages greater than $2,000) $1,255
Speeding Ticket (16-20 mph over speed limit) $1,134

Compare over 100 insurance companies at once!

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.