Gainesville, FL Car Insurance

Auto insurance costs an average of $153 per month in Gainesville, Florida. Explore the best ways to save in our guide.

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How much does auto insurance cost in Gainesville?

 

Auto insurance costs an average of $1,839 per year in Gainesville. That's less than the average across Florida ($2,309) and pricier than the national average of $1,548. Our guide to Gainesville car insurance includes average rates based on age, credit score, driving history, and marital status. Keep reading to learn more!

 
GAINESVILLE CAR INSURANCE RATES
Gainesville Average (annual)Florida AverageNational Average
$1,839$2,309$1,548
 
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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 personalized car insurance quotes to match your driving profile.

 
GAINESVILLE AUTO INSURANCE RATES BY COMPANY
InsurerAverage Annual Rate
State Farm$1,280
GEICO$1,679
Progressive$1,997
Allstate$2,724
 

Consult our expert guide to finding the best cheap car insurance.

 

Gainesville auto insurance premiums by age

Gainesville drivers in their 50s enjoy relatively affordable auto insurance rates, paying just $1,686 per year, on average. Drivers in their 60s pay marginally higher rates — $1,719 per year.

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.

 
CAR INSURANCE RATES BY AGE TIER IN GAINESVILLE
Age groupAverage Annual Rate
Teenagers$5,225
20s$2,350
30s$1,831
40s$1,795
50s$1,686
60s$1,719
70s$2,084
 

Learn more about how age influences auto insurance rates.

 

Gainesville auto insurance premiums by gender and marital status

 

Marital status and gender are contributing factors to car insurance rates in many cases. In Gainesville, married drivers pay $73 less than single drivers for car insurance. Married drivers enjoy less expensive rates than their single counterparts in most locations, based on data showing they file fewer insurance claims. Rates for those who are widowed are also much cheaper than rates for those who are single. In Gainesville, insurance rates for those who are widowed are less expensive than rates for those who are single.

Gender is another factor that can impact auto insurance costs. In Gainesville, female drivers pay $31 per year more than do male drivers.

 
GAINESVILLE CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER
Gender/Marital StatusAverage Annual Rate
Female$1,870
Male$1,839
Single$1,766
Married$1,766
Divorced$1,839
Widowed$1,803
 

Read more about the relationships between gender, marital status and insurance rates.

 

Gainesville auto insurance premiums by incident history

 

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 $867per year in extra insurance expenditures.

 
GAINESVILLE CAR INSURANCE RATES AFTER A COLLISION OR CITATION
Violation/IncidentAverage Annual Rate
DWI/DUI$2,706
Reckless Driving$2,782
At-fault Accident (damages less than $1,000)$2,511
At-fault Accident (damages greater than $2,000)$2,511
Speeding Ticket (16-20 mph over speed limit)$2,269
 

Get more info on how a bad driving history can impact your car insurance costs.

 

Gainesville car insurance costs by credit score

 

It's no secret credit score is closely correlated with car insurance rates. In fact, 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.

 
GAINESVILLE AUTO INSURANCE RATES BY CREDIT SCORE
Credit TierAverage Annual Rate
Very Poor$3,618
Fair$2,248
Good$1,839
Very Good$1,674
Exceptional$1,487
 

Get additional information on how credit impacts car insurance costs.

 

Compare auto insurance quotes now and start saving today!

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Ava Lynch LinkedIn

Ava worked in the insurance industry as an agent for four-plus years. Currently providing insights and analysis as one of The Zebra’s resident property insurance experts, Ava has been featured in publications such as U.S. News & World Report, GasBuddy, and Yahoo! Finance.