Gainesville, TX Car Insurance

The average monthly cost for car insurance in Gainesville is about $53. Check out our guide below to find out how much you'll pay.
How does Gainesville stack up to the rest of the area, or even Texas as a whole? What rates can residents of Gainesville expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Gainesville?

Area Average Monthly Car Insurance Premium
Gainesville$53
TX$65
United States$81

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, the expected monthly payments for an auto insurance policy in Gainesville are below the national average. The average monthly payment in Gainesville is about $28 cheaper than the rate for the rest of the U.S.

These may be the average auto insurance rates for Gainesville, but that doesn't mean it's exactly 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. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly payment amount.

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 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 18Not Enough Data
18-24$85
25-34$53
35-44$44
45-54$44
55-64$40
65+$41

Generally, the older you are, the more experienced you are on the roads. That experience can lead to some serious savings when it comes to auto insurance bills. According to the table above, you can see that 18-24-year-olds pay two times the price that someone who is at retirement age.

You can expect to see your monthly premium drop about once a decade or so. Having said that, once you approach retirement your rates may climb back up in Gainesville.

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, although women do pay slightly less on their monthly auto insurance coverage, the price is about the same for either group.

Average Auto Insurance Rates by Driving Record

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

Rates can change drastically depending on your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. In Gainesville, a driving record with a single accident will usually get you a rate around $45 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $59.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. So, if you're looking for cheap car insurance, drive carefully and keep a clean 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$58
15 Years or Older$47

In terms of affordable coverage, the cheapest vehicles to insure in Gainesville are typically SUVs, at $49 per month.

Truck and van drivers will see rates of about $50 to insure their car, while car owners usually pay around $54 a month.

You can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to decrease if your car is a few years old. The most expensive vehicles to insure in Gainesville 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

Overall, married policyholders will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

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$46
Rent$53
Live with parents$94

Another factor taken into consideration is your living situation. In Gainesville, homeowners can expect to pay around $7 a month less than those who rent. But if you live with your parents, you 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 premiums, depending on your insurance company.

Car Insurance Companies in Gainesville, TX

Recent trends in car insurance for Gainesville drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.

In Gainesville, the rates for auto insurance had been increasing from 2017-2018, before leveling out in 2019. Rates finished up in 2022, at $51 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 a monthly rate, car insurance companies will consider a variety of factors. Where you live will also have a significant impact on your personal policy. This may include things like:

  • Prevalence of crime
  • Amount of drivers in the area
  • Availability of off-street parking
  • Regional laws
  • Frequency of car accidents

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. 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.

Don't worry, Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering policies 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 age and gender, but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, 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 local laws, parking situations, and crime rates -- 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 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?

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.

Find your best rate in just a few minutes