Gainesville, GA Car Insurance

On average, Gainesville drivers pay around $52 a month for their car insurance. To learn more about car insurance rates in the Gainesville area, read our guide below.
What rates can residents of Gainesville expect to pay for their car insurance? How does Gainesville stack up to the rest of the area, or even Texas as a whole? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Gainesville?

Area Average Monthly Car Insurance Premium
Gainesville$52
TX$65
United States$81

Car insurance coverage in Gainesville is about $13 cheaper than it is in the rest of Texas.

Compared to the rest of the country, auto insurance in Gainesville is more affordable. Car insurance rates for the United States as a whole are, on average, $29 more expensive than the rates you'd pay in Gainesville.

While these numbers are the average rates for auto insurance in Gainesville, that doesn't mean it's what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. 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.

But don't worry, we've broken down the average rates for Gainesville residents based on several different factors 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, simply enter your ZIP Code below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$86
25-34$53
35-44$43
45-54Not Enough Data
55-64$40
65+$41

Generally, the older you are the more experienced you are behind the wheel, right? It also makes sense that the more experienced of a driver you are, the safer you are. In this case, 18-24-year-olds pay $45 more than someone who is at retirement age.

For every 10 years, you can expect to see a drop in your monthly premium. You may see your rates start to rise again once you hit retirement age in Gainesville.

Average Car Insurance Rates by Gender

Gender Average
Male$53
Female$52

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

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$45
Multiple Accidents$74
1 Ticket$59
Multiple Tickets$52

Depending on your driving record, your rates can vary wildly. Those with clean records can expect to pay a lot less than those with infractions. Drivers in Gainesville with one accident will pay around $45 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $59.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$64
2-3 Years$40
4-5 Years$52
6-7 Years$56
8-10 Years$55
11-14 Years$57
15 Years or Older$47

If you look at the first table above, you'll see that SUVs are by and large the cheapest vehicles to insure in Gainesville, with drivers paying around $49 per month to insure their vehicle.

Car owners will see rates of about $54, while truck and van owners typically pay around $50 a month.

Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old, however, you may see your bill start to shrink a bit. In Gainesville, the most expensive vehicles to insure are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$58
Married$42
Divorced$44
Widowed$42

Generally, those who have settled down into marriage will pay slightly less for car insurance. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.

At a national level, single drivers usually pay more than married couples do for auto insurance. Gainesville follows that pattern, with the difference totaling to around $16 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$46
Rent$53
Live with parents$94

Another factor that comes into play is your living situation. In Gainesville, homeowners can expect to pay around $7 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your overall costs, depending on your insurance company.

Car Insurance Companies in Gainesville, TX

Recent trends in car insurance for Gainesville drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending when choosing your car insurance policy.

In Gainesville, the rates for car insurance went up from 2017-2018, before steadying out in 2019. Insurance rates finished down in 2022, at $32 per month

How does Gainesville compare to neighboring areas?

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

Car insurance companies will take into account a variety of factors when figuring out how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:

  • Total drivers
  • Road Safety (how many accidents each locality has)
  • Laws
  • Access to off-street parking
  • Crime rates

You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. 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.

But hold on! Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering plans in Gainesville.

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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 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?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in Gainesville?

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 time, regardless of how long is left on your current policy. So, if you've recently moved to Gainesville or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

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