Gainesville, FL Car Insurance

Drivers in Gainesville pay, on average, $86 a month for their car insurance. For information on policy rates, coverage, and more check out our guide below.
What rates can residents of Gainesville expect to pay for their car insurance? Compared to their surrounding area, how do rates in Gainesville stack up? What about against the rest of Florida? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Gainesville?

Area Average Monthly Car Insurance Premium
Gainesville$86
FL$123
United States$81

Looking at the chart above, you can see it's around $37 a month cheaper to insure your vehicle in Gainesville than it is in the rest of Florida.

On the other hand, Gainesville residents will likely pay higher rates for their insurance policy than the rest of the country. 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, keep in mind that you could end up paying a different amount. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the bill you'll see each month.

We've broken down the average rates for Gainesville to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$252
18-24$119
25-34$74
35-44$73
45-54$86
55-64$63
65+$74

It's pretty safe to assume that the older you are, the longer you've been driving, right? That experience can lead to some serious savings when it comes to auto insurance bills. As you can see, 18-24-year-olds pay $45 more than drivers 65 and older.

You can expect to see a decrease in your monthly premium drop about once a decade or so. That said, once you hit retirement, your rates may creep back up a bit in Gainesville.

Average Car Insurance Rates by Gender

Gender Average
Male$86
Female$85

Car insurance rates for female drivers are usually cheaper than those for male drivers. While female drivers pay a bit less than male drivers on their monthly auto coverage, the difference in Gainesville is only about $1 a month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$99
Multiple Accidents$133
1 Ticket$87
Multiple Tickets$97

Depending on your driving record, your rates can vary wildly. Those with fewer accidents and tickets will pay much less than those with multiple infractions. Drivers in Gainesville with one accident will pay around $99 a month. Likewise, drivers with one ticket will be looking at a rate of around $87 a month on average.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. So, if cheap car insurance is something you're after, drive safely and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$77
2-3 Years$97
4-5 Years$75
6-7 Years$80
8-10 Years$89
11-14 Years$79
15 Years or Older$92

As you can see in the first table above, the cheapest vehicles to insure in Gainesville are by and large SUVs, trucks, and vans, which run about $79 per month.

Car owners, however, pay about $89 per month for insurance coverage.

You may also see different rates based on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, if your car is about 5 years old, you can expect to see your rates start dropping back down. In Gainesville, the most expensive vehicles to insure are vehicles two-to -three years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$89
Married$72
Divorced$65
Widowed$70

More often than not, people who are married will pay slightly less for car insurance. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.

The difference in rates based on relationship status in Gainesville is about $17 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$74
Rent$88
Live with parents$91

Your living situation is another factor that affects your monthly rate. In Gainesville, homeowners can expect to pay around $14 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your overall costs.

Car Insurance Companies in Gainesville, FL

Recent trends in car insurance for Gainesville drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.

The rates for car insurance in Gainesville increased from 2017-2018, before leveling out in 2019. They finished down in 2022, at $58 per month

How does Gainesville compare to neighboring areas?

Why are car insurance rates in Gainesville different from other areas?

Car insurance companies take in a lot of factors when figuring out how much individual insurance policies will cost. Your insurance policy will depend largely on where you call home and will be influenced by things such as:

  • Road safety
  • Community laws
  • Amount of drivers
  • Off-street parking accessibility
  • Rate of crime

You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or 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?

While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

But wait! Compare.com will handle the heavy lifting for you. Just type in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering plans in Gainesville.

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Gainesville Insurance FAQs

What factors affect car insurance quotes in Gainesville?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.

Why is the cost of car insurance in Gainesville different from other neighboring cities?

Things like parking situations, crime rates, 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?

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Gainesville?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea 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, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Gainesville or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

Find your best rate in just a few minutes