Table of contents
How much is car insurance in Gainesville?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that it's about $37 a month cheaper to insure your vehicle in Gainesville than it is in the rest of Florida.
Compared to the national average cost of auto coverage, Gainesville has higher rates. The cost of insuring a vehicle in Gainesville is about $5 more expensive than the average rate for the rest of the U.S.
While these are the average car insurance rates for Gainesville, you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've done the heavy lifting for you and broken down the average rate for Gainesville so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
The more time you have behind the wheel, the more experienced of a driver you should be. That experience pays off when it comes to auto insurance. As you can see, 18-24-year-olds pay significantly more than someone who is retirement aged.
You can expect to see your monthly premium drop every 10 years or so. Drivers in Gainesville may see their rates rise again once they hit retirement age.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. The difference in Gainesville is around $6 per month. As illustrated in the table above, male drivers in the area pay about $88 on average, while female drivers pay around $82 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Those with clean records can expect to pay less than those with infractions. In Gainesville, a driving record with one accident will usually get you a rate around $105 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $114.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$73|
|15 Years or Older||$94|
The cheapest vehicles to insure in Gainesville are typically trucks and vans, with each type typically costing about $64 per month.
Car owners can expect to pay an average of around $88 a month for their policy, while SUVs usually cost around $81 a month to insure.
Vehicle age has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is a few years old. In Gainesville, the most expensive vehicles to insure are vehicles fifteen years and older.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$89|
Generally, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something many companies award special discounts for.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Gainesville is no exception, with the difference totaling to around $18 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$94|
One other element taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $14 a month more than those who own their own home in Gainesville. But if you live with your parents, you 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.
Auto insurance rates in Gainesville had been increasing from 2016-2018, before steadying out in 2019. They finished up in 2021, at $91 a month
How does Gainesville compare to neighboring areas?
Why are car insurance rates in Gainesville different from other areas?
There are a variety of factors car insurance companies will consider when deciding how much to charge for a monthly rate. Where you live will also have a significant impact on your personal policy. This may include things like:
- General road safety (how many accidents each locality has)
- Off-street parking accessibility
- Amount of drivers in the community
- Rate of crime
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Gainesville?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Don't worry, Compare.com does all of that work for you. Put in your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from many of the car insurance companies providing policies in Gainesville.
Gainesville 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 address, credit score, driving record and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Gainesville different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, local laws, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Gainesville?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Gainesville?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Gainesville or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.