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Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
He’s also an alumnus of the University of California, Santa Barbara, where he earned a bachelor’s degree in linguistics.
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While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Finding affordable car insurance in Gainesville doesn’t have to throw your budget into disarray. The average driver in this college town pays $151 per month for coverage, according to our analysis. Factors like Gainesville’s large student population and high pedestrian traffic around the University of Florida campus can increase accident risks in certain areas, which can drive up costs.
Still, many insurance companies offer rates well below the citywide average, with State Farm, Mile Auto, and GEICO leading the pack.
This guide will walk you through the cheapest insurers in Gainesville for various driver types, help you pick the right company for your needs, and share practical tips to slash your car insurance costs substantially.
State Farm offers the cheapest car insurance in Gainesville, with average monthly rates starting at $63.
Gainesville drivers pay an average of $123 per month for liability coverage and $179 for full coverage.
Florida requires drivers to maintain $10,000 in personal injury protection and $10,000 in property damage liability coverage.
Regardless of Gainesville’s average rates, you can still find significant savings by shopping around with the right insurance companies. Several insurers consistently offer premiums below the citywide average, making quality coverage more accessible for budget-conscious drivers.
To start you on your journey to lower rates, we’ve highlighted the city’s most affordable insurers in the table below.
Company  | Average Monthly Premium |
|---|---|
| State Farm | $63 |
| Mile Auto | $94 |
| GEICO | $108 |
| Allstate | $110 |
| Direct Auto | $124 |
| Travelers | $130 |
| Mercury | $131 |
| Progressive | $136 |
| Infinity | $159 |
| Foremost | $164 |
| Root | $167 |
| Bristol West | $173 |
| GAINSCO | $187 |
| The General | $199 |
| Dairyland | $237 |
| AssuranceAmerica | $261 |
| Liberty Mutual | $324 |
State Farm stands out as the most budget-friendly option in Gainesville, with an average monthly liability rate of just $63. But keep in mind that State Farm may not be the cheapest insurance company for your unique driver profile.
The following sections break down the top-rated companies by specific driver types and coverage needs.
While the companies above provide an excellent starting point, your personal rates can fluctuate dramatically based on your age, driving history, credit history, and coverage preferences. Comparing quotes from insurers that specialize in your specific profile often yields the best results.
The breakdown below shows the most affordable options for different driver types and coverage levels, according to our research.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | State Farm | $63 |
| Full coverage | State Farm | $77 |
| Teens | State Farm | $115 |
| Seniors | State Farm | $50 |
| Drivers with a speeding ticket | State Farm | $73 |
| Drivers with an at-fault accident | State Farm | $79 |
| Drivers with a DUI | State Farm | $84 |
| Drivers with excellent credit | State Farm | $54 |
| Drivers with poor credit | State Farm | $88 |
Policies in Gainesville start as low as $63 per month.
Gainesville drivers pay an average of $123 per month for basic minimum coverage, according to Compare.com data. But most insurance experts recommend purchasing more than the state-required minimums since Florida’s limits may not fully protect you financially after a serious accident.[1]
But if you need basic coverage that just meets Florida’s minimum requirements, we’ve identified the five most affordable companies in the chart below.
Unless you drive a dirt-cheap car or can afford to replace your vehicle yourself, you should consider full coverage. These robust policies protect both your vehicle and your financial well-being in case of an accident, theft, vandalism, or weather damage. Full coverage typically includes comprehensive and collision insurance in addition to Florida’s minimum liability requirements.
Lenders and leasing companies will require full coverage if you finance or lease your vehicle. This protects their investment while ensuring you can repair or replace your car after an accident.[2]
Our data shows that Gainesville drivers pay an average of $179 per month for full coverage. But even with these higher premiums, several insurers offer comprehensive protection for rates close to what you’d pay for basic liability coverage alone.
The chart below displays the five most budget-friendly insurers in Gainesville for full coverage, according to Compare.com data.
Teen drivers face some of the steepest insurance rates of any age group. Insurance companies charge more because statistics show young drivers are more likely to cause accidents due to inexperience and risk-taking behaviors behind the wheel.[3]
Across the country, the average teen pays nearly double what someone 20 or older pays for the same coverage, according to our data. Teen drivers in Gainesville pay an average of $260 per month, but it’s still possible to find reasonable rates with the right company.
Our research below shows the five cheapest insurance companies in Gainesville, specifically for teen drivers.
On the other hand, senior drivers typically enjoy the lowest insurance rates of any age group. Insurance companies reward their decades of driving experience and statistically lower accident rates with reduced premiums.[4]
Seniors in Gainesville pay an average of $132 per month, according to Compare.com data. Even with these already-low average rates, you can likely secure an even better deal from several specialized companies.
The following chart highlights the five most affordable insurers in Gainesville for drivers 60 and older.
Getting a ticket will cause your insurance rates to increase the next time your policy renews. Insurance companies view tickets as indicators of risky driving behavior, which makes you more likely to file a claim in the future.[5] Since insurance companies base your rates on how risky you are to insure, even a simple traffic ticket could lead to higher rates in the future.
Our research shows that even a single speeding ticket causes average rates to jump by 28% nationwide. Drivers with a recent ticket in Gainesville pay an average of $173 per month, but several insurers offer more forgiving rates.
Below, you’ll find the five cheapest insurance companies in Gainesville for drivers with a recent traffic violation, based on our research.
Causing an accident can make your insurance rates spike substantially since it signals to insurers that you’re more likely to file claims in the future.
Our research indicates that a single at-fault accident causes average rates to increase by 33% nationwide. Drivers with a recent accident in Gainesville pay an average of $191 per month, but you can often secure better rates with one of the five insurers featured in the chart below.
A DUI conviction causes the sharpest increase in car insurance rates of any incident. In fact, our research shows average rates increase by a monumental 59% nationwide after a DUI conviction. Drivers with a DUI conviction in Gainesville pay an average of $184 per month, according to Compare.com data.
In addition to these sky-high rates, getting a DUI can often make it challenging to find coverage at all. Some insurance companies won’t renew policies for drivers with DUI convictions, leaving you to search for new coverage in a limited market.[6]
The good news is that certain insurers specialize in high-risk drivers, including people with DUIs. To help you find a more affordable policy, the chart below identifies the five cheapest insurers in Gainesville for drivers with DUI convictions, according to our data.
Some insurance companies factor your credit history into their rate calculations. These companies use a credit-based insurance score to estimate your likelihood of missing payments or filing claims since research shows correlations between credit management and driving behavior.[7]
Our research shows drivers with poor credit pay an average of 40% more than people with excellent credit scores. Drivers with poor credit in Gainesville pay an average of $189 per month, according to Compare.com data.
That said, not all companies use credit in their pricing, and some offer extremely competitive rates regardless of your credit history. The following chart shows the five cheapest insurers in Gainesville for drivers with poor credit scores, according to our research.
Compare personalized quotes from Gainesville’s top insurers.
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Florida, like almost every state, requires all drivers to maintain car insurance before getting behind the wheel. Understanding these requirements helps ensure you stay legal while avoiding unnecessary coverage gaps. Here’s what you need to legally drive in the Sunshine State.[8]
Personal injury protection (PIP): $10,000 minimum to cover medical expenses and lost wages, regardless of fault
Property damage liability: $10,000 minimum to cover damage you cause to other people’s property
Most insurance experts recommend buying coverage above Florida’s minimum limits since even minor accidents can often exceed $10,000 in property damage. For example, the Insurance Information Institute recommends considering higher liability limits and additional coverage types like umbrella insurance to fully protect yourself financially.[1]
After all, a single accident involving multiple vehicles or serious injuries could easily exceed the state’s minimum coverage limits, leaving you responsible for thousands in out-of-pocket costs.
Here are answers to some of the most common questions about car insurance in Gainesville.
Car insurance in Gainesville costs an average of $123 per month for liability coverage and $179 for full coverage, according to Compare.com data.
The average rate in Gainesville is $151 per month, compared to the national average of $149, according to our data. But how much you pay will largely depend on personal factors like your driving record, age, credit, and more.
State Farm tends to offer the cheapest car insurance in Gainesville, with average liability rates running $63 per month, according to Compare.com data.
Our editorial team created this article with the help of highly trained generative AI tools. Additionally, multiple insurance experts — including at least one licensed agent — have rigorously reviewed, fact-checked, and edited every word and data point you see here.
We write, edit, and review all the content on Compare.com according to our strict editorial standards, regardless of how we created it. Learn more about our editorial process.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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