Gainesville, TX Car Insurance

Drivers in Gainesville pay around $52 a month for their car insurance. Learn more in our handy guide below.
What rates can residents of Gainesville expect to pay for their car insurance? Are rates in Gainesville higher or lower than those in neighboring areas? How do they compare to the rest of Texas? 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$64
United States$80

According to the chart above, the average cost of auto insurance in Texas is about $12 a month more expensive than it is in Gainesville.

Likewise, car insurance rates in Gainesville are often favorable when viewed against the rest of the country. The average monthly payment in Gainesville is about $28 less than the rate for the rest of the United States.

While these are the average costs to insure your vehicle in Gainesville, keep in mind that you could end up paying a different amount. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.

But worry not, we've done the heavy lifting and broken down the average rate for Gainesville to help you understand what exactly you might be asked to pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!

See what you'll pay in just minutes

Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$86
25-34$52
35-44$42
45-54Not Enough Data
55-64$41
65+$40

Generally speaking, 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 premiums. According to the table above, you can see that 18-24-year-olds pay two times as much as drivers 65 and older.

For every 10 years, you can expect to see a decrease in your monthly premium. Gainesville drivers may see their rates begin to increase again once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$53
Female$52

In general, car insurance rates for women are usually cheaper than they are for men. In Gainesville, however, the difference in the monthly cost of coverage is minimal.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$40
Multiple Accidents$74
1 Ticket$37
Multiple Tickets$75

Rates can vary wildly depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. In Gainesville, drivers with one accident on their record will experience rates around $40 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $37 on average.

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

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$64
2-3 Years$40
4-5 Years$49
6-7 Years$56
8-10 Years$55
11-14 Years$58
15 Years or Older$47

In terms of affordable coverage, the cheapest vehicles to insure in Gainesville are usually SUVs, at $48 per month.

Truck and van drivers will see rates of about $50 for car insurance coverage, while car owners by and large pay around $54 per month.

Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old you may start to see your rates drop back down 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)$59
Married$43
Divorced$44
Widowed$42

Overall, married policyholders 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.

The cost of auto insurance in Gainesville reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $16 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$45
Rent$53
Live with parents$94

Your housing situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $8 a month more than drivers who own property in Gainesville. But if you live with your parents, your rates will be significantly higher.

Bundling your home or rental insurance with your auto insurance 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

Given that average rates are often changing, it's a smart move to know the direction your area is trending when deciding when and where to shop.

The rates for auto insurance in Gainesville dropped from 2016-2017, before steadying out in 2018. They finished down in 2021, at $40 a month

How does Gainesville compare to neighboring areas?

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

There are a number of factors car insurance companies take into consideration when choosing how much to charge for coverage. Where you live will also have a significant impact on your personal policy. This may include things like:

  • Off-street parking access
  • Rate of car accidents
  • Total drivers
  • Community laws
  • Crime

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. 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?

While getting familiar with 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.

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

Compare the cheapest quotes from dozens of insurance companies

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 driving record, credit score, marital status, and address.

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

Local laws, parking situations, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

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?

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