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How much is car insurance in Gainesville?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the average cost of auto insurance in Florida is about $37 a month more expensive than it is in Gainesville.
On the other hand, the expected monthly payments for an auto insurance policy in Gainesville are above the national average. It's about $6 more expensive than the national average to insure your vehicle in Gainesville.
Although these are the average rates for auto insurance in Gainesville, it's important to remember that you could end up paying something different. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've broken down the average rates for Gainesville to help you understand what exactly you might be asked to pay. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!
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Gainesville Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
The longer you've been on the road, the more experienced of a driver you are. When it comes to car insurance bills, that experience can help put some change back into your pocket. In this case, 18-24-year-olds pay significantly more than someone who is at retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. Drivers in Gainesville may see their rates creep back up once they hit retirement age.
Gainesville Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. While female drivers pay a bit less than male drivers on their monthly premiums, the difference in Gainesville is only about $2 per month.
Gainesville Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Drivers with clean records can expect to pay less than those with accidents or violations. Drivers in Gainesville with one accident will pay around $98 a month. Similarly, drivers with one ticket will typically pay around $88 on average.
Accidents, tickets, and other driving infractions can really hurt your wallet. Remember, the safer you are as a driver, the cheaper your car insurance will be.
Gainesville Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$77|
|15 Years or Older||$92|
The most affordable vehicles to insure in Gainesville are usually SUVs, trucks, and vans, which run about $79 per month.
On the other hand, car owners, can expect to pay about $89 a month for insurance.
The age of your vehicle has an impact on the cost of your policy as well. Generally, the most expensive vehicles to insure are going to be newer ones. However, your rates may start to drop back down once your car is a few years old. In Gainesville, the most expensive vehicles to insure are vehicles two-to -three years old.
Gainesville Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$89|
More often than not, those who have settled down into marriage will pay slightly less for auto insurance coverage. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Gainesville as well, where the difference is around $17 a month.
Gainesville Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$91|
Your housing status is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $14 a month more than if you own your own home in Gainesville. Those who live with their parents, however, can expect to pay a lot more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Gainesville, FL
Recent trends in car insurance for Gainesville drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
The cost of car insurance in Gainesville rose from 2017-2018, before steadying out in 2019. Policy premiums finished down in 2022, at $74 per month
How does Gainesville compare to neighboring areas?
Why are car insurance rates in Gainesville different from other areas?
There are a lot of factors car insurance companies take into consideration when deciding how much to charge for a monthly rate. While we already mentioned the ones that affect your personal policy, others are influenced by where you call home. These include things like:
- General road safety (how many accidents each locality has)
- Amount of drivers in the region
- Community regulations
- Crime rates
- Off-street parking accessibility
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Gainesville?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Don't worry, Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies offering coverage in Gainesville.
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Gainesville Auto Insurance FAQs
What factors affect car insurance quotes in Gainesville?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Gainesville different from other neighboring cities?
Things like crime rates, parking situations, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Gainesville?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Gainesville?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Gainesville or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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