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How much is car insurance in Gainesville?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Gainesville typically costs about $12 a month less than it does in the rest of Texas.
Similarly, car insurance rates in Gainesville are often favorable when viewed against the rest of the country. The average monthly payment in Gainesville is about $27 less than the rate for the rest of the U.S.
Bear in mind that while these rates represent the expected monthly payments for Gainesville drivers, it doesn't mean that's what you'll pay. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.
Don't sweat it however, we've broken down the average rate 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 below to learn more about rates in your area!
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Gainesville Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. When it comes to your monthly premium, that experience can really pay off. As you can see, 18-24-year-olds pay two times as much as someone who is retirement aged.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement, however, your rates may start to rise again in Gainesville.
Gainesville Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. While female drivers pay a little bit less than male drivers on their monthly auto coverage, the difference in Gainesville is only about $1 a month.
Gainesville Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers with clean records can expect to pay a lot less than those with accidents or violations. In Gainesville, drivers with one accident on their record will experience rates around $46 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 cheaper car insurance is important to you, keep your record clean and drive safe.
Gainesville Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$64|
|15 Years or Older||$48|
According to the first table above, trucks and vans are typically the cheapest vehicles to insure in Gainesville, with drivers paying around $49 per month to insure their vehicle.
SUV drivers will see rates of about $50 to insure their vehicle, while car owners by and large pay around $54 per month.
Your vehicle's age also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. The most expensive vehicles to insure in Gainesville are vehicles less than one year old.
Gainesville Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$58|
More often than not, those who have settled down into marriage will pay slightly less for auto insurance coverage. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
In Gainesville, the difference in rates based on relationship status can be as much as $15 a month.
Gainesville Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$83|
Another factor taken into consideration is your housing situation. Renters can expect to pay around $5 a month more than those who own their own home in Gainesville. Those who live with their parents, however, can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Gainesville, TX
Recent trends in car insurance for Gainesville drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when choosing your car insurance policy.
The rates for auto insurance in Gainesville rose from 2017-2018, before leveling out in 2019. They finished up in 2022, at $52 a 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 deciding how much individual insurance policies will cost. While we already mentioned the ones that affect your personal policy, others are influenced by where you call home. These include things like:
- Amount of off-street parking
- Regional laws
- Amount of drivers
- Number of car accidents
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Knowing 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?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Good news! Compare.com can handle all of this for you. Just put in your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from a number of the 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 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?
Auto insurance companies consider regional factors, such as parking situations, local laws, 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 will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
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?
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