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How much is car insurance in Gainesville?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the average cost of auto insurance in Georgia is about $14 a month more expensive than it is in Gainesville.
On the flip side, Gainesville residents should prepare to pay higher rates for coverage than the rest of the country. It's about $11 more expensive than the national average to insure your vehicle in Gainesville.
While these numbers are the average rates for auto insurance in Gainesville, that doesn't mean it's what you'll pay. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't sweat it however, we've broken down average rates for Gainesville residents 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 below and find out!
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Gainesville Car Insurance Rates by Age
|Age Range||Average Premium|
It's pretty safe to assume that the older you are, the more experience you have as a driver. When it comes to car insurance bills, that experience pays off. In this case, 18-24-year-olds pay $62 more than someone who is at retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. That said, once you hit retirement, your rates may creep back up a bit in Gainesville.
Gainesville Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. This is true in Gainesville, where male drivers pay about $7 more a month. As you can see in the chart above, car insurance for women in the area typically costs around $88 each month, while men pay $95 on average.
Gainesville Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions, while those with clean driving records will obviously pay the least. In Gainesville, having a single accident on your record will usually get you rates around $124 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $97.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Gainesville Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$92|
|15 Years or Older||$86|
According to the first table above, the cheapest vehicles to insure in Gainesville are by and large trucks and vans, at $82 per month.
SUV drivers will see rates of about $90, while the rates for car owners average out to about $93 per month.
Your vehicle's age also plays a role in your monthly payment. Newer vehicles are generally going to be the most expensive to insure. However, if your car is about 5 years old, you can expect to see your rates start dropping back down. In Gainesville, vehicles two-to -three years old are the most expensive to insure.
Gainesville Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$99|
On average, those who have settled down into marriage will pay slightly less for auto insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something 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 $27 a month.
Gainesville Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$111|
One other element taken into consideration is your housing status. If you rent your home or apartment in Gainesville, expect to pay around $8 a month more than if you own property. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Gainesville, GA
Recent trends in car insurance for Gainesville drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
Car insurance rates in Gainesville rose from 2017-2018, where they reached a high of $97, before leveling out in 2019. Insurance rates went up again in 2020, and finished down at $74 in 2022.
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 an insurance policy, car insurance companies will evaluate numerous factors. Where you live will also have a significant impact on your personal policy. This may include things like:
- Regional regulations
- Frequency of car accidents
- Availability of off-street parking
- Crime levels
- Total number of drivers in the area
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Realizing 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 corner of the world.
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.
Good news! 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 dozens of car insurance companies offering policies in Gainesville.
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Gainesville Auto 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 age and gender but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Gainesville different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, parking situations, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Gainesville?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Gainesville?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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.
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