Gainesville Car Insurance

The Zebra
May 30, 2018

Car Insurance in Gainesville

Premiums in Gainesville are recognized for being economical. They are generally $447 lower than the state average. Keep some money in your pocket by following the tips below about how to save on car insurance in Gainesville.

  • City Average: $1,431
  • State Average: $1,878
  • National Average: $1,427

Gainesville Car Insurance by Gender and Marital Status

Marital status and gender impact your car insurance premiums in Gainesville. Rates for those who are widowed are relatively cheaper than rates for those who are single. Being married can save you 5% per year compared to being single. Normally, males have premiums that are a mere 1% cheaper than those for females.

  • Female: $1,449
  • Male: $1,431
  • Single: $1,431
  • Married: $1,365
  • Divorced: $1,431
  • Widowed: $1,396

Gainesville Car Insurance by Credit Rating

For individuals with Very Poor credit (300-579), as opposed to Exceptional credit (800-850), car insurance premiums more than double. Drivers will see the largest percent drop in premiums when they upgrade their credit from Fair (580-669) to Good (670-739). That change can save them 19% per year.

  • Very Poor: $2,759
  • Fair: $2,251
  • Good: $1,829
  • Very Good: $1,498
  • Exceptional: $1,256

Gainesville Car Insurance by Age

With typical car insurance payments of $3,970, teenage drivers have the highest rates of any age group. The largest decrease in premiums between any age group is from the teenage age range to the 20s, as drivers in Gainesville start saving an average of 53% annually. While premiums for drivers will continue to decline through their 50s, they should expect a change when they hit 60. When you look across all age groups, drivers in their 50s tend to have the lowest insurance rates. Their rates usually average $1,302 per year. People in their 60s ($1,326) aren’t paying significantly more.

  • Teenagers: $3,970
  • 20s: $1,874
  • 30s: $1,422
  • 40s: $1,392
  • 50s: $1,302
  • 60s: $1,326
  • 70s: $1,599

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Gainesville Car Insurance by Accident or Violation History

By avoiding driving mishaps that can make the price of premiums spike, you can not only save yourself money, but become a safer driver. Usually, a DUI in Gainesville will cost you 51% more in car insurance premiums versus the city average ($1,431). Reckless driving will also drive your rates up, with typical rates of $2,153! Nobody plans on being in an accident, but stuff happens, so be aware of what one can do to your rates. Car insurance is an average of $512 more per year in Gainesville if you have an at-fault accident on your driving record.

  • DUI: $2,167
  • Reckless Driving: $2,153
  • At-fault Accident (damages less than $1000): $1,943
  • At-fault Accident (damages greater than $2000): $1,943
  • Speeding Ticket (16-20 mph over speed limit): $1,838