Gainesville, GA Car Insurance

On average, drivers in Gainesville pay around $91 per month for their car insurance. For information on policy rates, coverage, and more check out our guide below.
How much can residents of Gainesville expect to pay for their car insurance? How does Gainesville compare to the surrounding area and the rest of Georgia? 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$91
GA$103
United States$80

The cost of coverage in Gainesville is about $12 a month cheaper than it is for the rest of Georgia.

On the flip side, Gainesville residents should prepare to pay higher rates for coverage than the rest of the country. The average monthly payment for the rest of the U.S. is about is about $11 cheaper than it is in Gainesville.

Keep in mind that while these are the average car insurance rates for Gainesville, it isn't guaranteed that it's what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.

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 your monthly bill might be. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$258
18-24$142
25-34$84
35-44$78
45-54$72
55-64$67
65+$85

It makes sense that the older you are, the more experience you have driving, right? That experience can lead to some serious savings when it comes to auto insurance bills. In this case, 18-24-year-olds pay a lot more than drivers 65 and older.

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 begin to go back up once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$95
Female$87

Car insurance rates for women are generally cheaper than they are for men. In Gainesville, male drivers pay about $8 more a month. As you can see in the table above, male drivers in the area typically pay $95 on average, while female drivers typically pay $87 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$123
Multiple Accidents$159
1 Ticket$122
Multiple Tickets$186

One of the key factors in determining your car insurance rates is your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. Drivers in Gainesville with a single accident will pay around $122 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $123 on average.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$88
2-3 Years$117
4-5 Years$97
6-7 Years$86
8-10 Years$96
11-14 Years$93
15 Years or Older$86

In Gainesville, the cheapest vehicles to insure are usually trucks and vans, with drivers paying around $85 per month for auto insurance coverage.

Car owners, on the other hand, by and large pay around $92 per month, while SUV drivers can expect to pay about $89 a month to insure their vehicle.

In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. The most expensive vehicles to insure in Gainesville, for example, are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$100
Married$72
Divorced$78
Widowed$77

On average, married policyholders will pay slightly less to insure their vehicle. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.

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 $28 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$81
Rent$91
Live with parents$118

Your living accommodations is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $10 a month more than if you own your own home in Gainesville. But those who live at home with their parents can expect to pay significantly more.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance costs, depending on your insurance company.

Car Insurance Companies in Gainesville, GA

Recent trends in car insurance for Gainesville drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding when deciding when and where to shop.

The rates for car insurance in Gainesville went up from 2016-2018, before leveling out in 2019. They finished down in 2021, at $95 per month

How does Gainesville compare to neighboring areas?

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

When considering how much to charge for coverage, car insurance companies will review a variety of factors. Your insurance policy will depend largely on where you call home and will be influenced by things such as:

  • Number of car accidents
  • Crime levels
  • Laws
  • Availability of off-street parking
  • Number of drivers in the area

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. Get started with a guide like this to get familiar with the average rates of your area.

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 has you covered. Just put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies offering coverage in Gainesville in no time.

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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 age and gender, but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.

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

Things like parking situations, local laws, and crime rates, 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?

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?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Gainesville or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

Find your best rate in just a few minutes