Cheapest and Best Car Insurance in Gainesville, FL (2023)

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Travelers is the top choice for customer support. If you prioritize customer service, GEICO is the optimal option for minimal coverage. Adolescents may want to consider Nationwide in order to lower their expenses, whereas State Farm is an excellent choice for comprehensive coverage, drivers with infractions, and military personnel. The most affordable provider for you can differ based on your specific driver profile and requirements.

Most affordable and top-quality car

2023.

Cheapest and Best Car Insurance in Gainesville

State Farm Insurance

– Nationwide.

State Farm Insurance

State Farm Insurance

Best Cheap Car Insurance Companies in Gainesville

According to the standards and cost-effectiveness of the minimum coverage demands from insurance companies in the urban area, the leading insurers are:

  • State Farm: MoneyGeek rating 78 out of 100 ($384 annually).
  • GEICO: MoneyGeek rating 78 out of 100 ($378 annually).

    • Affordable car insurance policies in Gainesville are an excellent option for obtaining the required minimum level of coverage at a reduced cost. Though they may provide less protection against liability expenses, numerous inexpensive car insurance policies offer more budget-friendly rates.

    How was the calculation of this MoneyGeek score

    pros

    Excellent ratings in terms of affordability

    Provides immediate help on the road

    cons

    There are no discounts for going paperless or paying in full

    COMPANY HIGHLIGHTS

    State Farm offers affordable premiums that cater to various types of drivers, providing coverage for essential needs. The company excels in delivering exceptional service to policyholders, all at a reasonable price.

    State Farm allows customers to reduce their insurance expenses by leveraging discounts such as bundling if they possess other forms of insurance. Customers who own a vehicle manufactured after 1994 can take advantage of State Farm’s latest vehicle discount. Students have access to discounts like good student and distant student discounts, while senior drivers are also eligible for discounted rates.

    While State Farm is the second-cheapest option in the city, drivers can get discounts for having airbags, anti-lock brakes, anti-theft systems, and daytime running lights. These discounts can help lower the cost of premiums even further and make it even more affordable.

    Check out MoneyGeek’s review of State Farm Auto Insurance

    Average Annual Auto Insurance Rates

    Click the category of the wheel within your budget to view choices.

    Select an insurance provider from the list below to access their review page or proceed to get a customized quote.

    Company Average Yearly

    Cheapest Car Insurance in Gainesville After a Driving Offense

    Able to obtain the most favorable rates on car insurance from the following companies.

  • Speeding citation: State Farm (around $971 per annum).
  • Faulty collision: State Farm (around $1,051 annually
  • DUI: State Farm (around $971 annually).

    • Most affordable car insurance companies generally do not have cheap rates for drivers with poor driving records. Poor driving records, such as speeding tickets and DUIs, can significantly impact insurance premiums. Among these companies, Mercury has the highest price tag for drivers with speeding tickets (around $1,970 annually), while Allstate offers the most expensive insurance rates for drivers involved in at-fault accidents (around $3,276 annually).

    Company

    Annual Premium

    Monthly Premium

    State Farm

    $405

    $34

    State Farm

    $405

    $34

    State Farm

    $433

    $36

    State Farm

    $433

    $36

    State Farm

    $440

    $37

    State Farm

    $470

    $39

    State Farm

    $501

    $42

    State Farm

    $501

    $42

    GEICO

    $524

    $44

    State Farm

    $546

    $46

    GEICO

    $562

    $47

    GEICO

    $610

    $51

    Nationwide

    $616

    $51

    GEICO

    $640

    $53

    Nationwide

    $642

    $54

    GEICO

    $663

    $55

    GEICO

    $687

    $57

    GEICO

    $713

    $59

    GEICO

    $721

    $60

    Nationwide

    $721

    $60

    Nationwide

    $746

    $62

    Farmers

    $771

    $64

    Nationwide

    $775

    $65

    Mercury

    $795

    $66

    Allstate

    $826

    $69

    Farmers

    $827

    $69

    Allstate

    $832

    $69

    Travelers

    $836

    $70

    Allstate

    $843

    $70

    Travelers

    $848

    $71

    Nationwide

    $863

    $72

    Farmers

    $870

    $73

    Travelers

    $881

    $73

    Travelers

    $889

    $74

    State Farm

    $892

    $74

    State Farm

    $892

    $74

    GEICO

    $899

    $75

    Travelers

    $902

    $75

    Farmers

    $910

    $76

    Mercury

    $913

    $76

    Travelers

    $936

    $78

    Farmers

    $941

    $78

    Direct General Insurance

    $952

    $79

    Mercury

    $958

    $80

    State Farm

    $965

    $80

    State Farm

    $971

    $81

    State Farm

    $971

    $81

    Mercury

    $976

    $81

    Progressive

    $987

    $82

    Direct General Insurance

    $990

    $83

    Direct General Insurance

    $999

    $83

    Progressive

    $1,002

    $84

    Farmers

    $1,010

    $84

    Direct General Insurance

    $1,012

    $84

    Travelers

    $1,019

    $85

    Farmers

    $1,024

    $85

    Travelers

    $1,033

    $86

    Allstate

    $1,048

    $87

    State Farm

    $1,051

    $88

    Allstate

    $1,053

    $88

    Allstate

    $1,066

    $89

    Travelers

    $1,066

    $89

    Progressive

    $1,083

    $90

    Progressive

    $1,096

    $91

    Progressive

    $1,126

    $94

    Mercury

    $1,129

    $94

    Nationwide

    $1,133

    $94

    Mercury

    $1,145

    $95

    Farmers

    $1,157

    $96

    Farmers

    $1,165

    $97

    Nationwide

    $1,167

    $97

    State Farm

    $1,168

    $97

    State Farm

    $1,168

    $97

    Mercury

    $1,169

    $97

    Direct General Insurance

    $1,170

    $98

    Direct General Insurance

    $1,179

    $98

    Progressive

    $1,192

    $99

    Progressive

    $1,225

    $102

    Progressive

    $1,261

    $105

    State Farm

    $1,265

    $105

    Nationwide

    $1,267

    $106

    Nationwide

    $1,271

    $106

    Progressive

    $1,332

    $111

    Direct General Insurance

    $1,333

    $111

    Direct General Insurance

    $1,334

    $111

    Nationwide

    $1,338

    $112

    Mercury

    $1,360

    $113

    GEICO

    $1,370

    $114

    Mercury

    $1,378

    $115

    Allstate

    $1,382

    $115

    Allstate

    $1,390

    $116

    Allstate

    $1,405

    $117

    GEICO

    $1,453

    $121

    Nationwide

    $1,537

    $128

    Nationwide

    $1,549

    $129

    Direct General Insurance

    $1,597

    $133

    Nationwide

    $1,627

    $136

    Progressive

    $1,646

    $137

    Progressive

    $1,647

    $137

    GEICO

    $1,652

    $138

    Farmers

    $1,686

    $141

    GEICO

    $1,708

    $142

    Direct General Insurance

    $1,729

    $144

    GEICO

    $1,755

    $146

    Direct General Insurance

    $1,766

    $147

    GEICO

    $1,815

    $151

    Direct General Insurance

    $1,819

    $152

    Direct General Insurance

    $1,820

    $152

    Allstate

    $1,840

    $153

    Farmers

    $1,842

    $154

    Nationwide

    $1,848

    $154

    Allstate

    $1,850

    $154

    GEICO

    $1,869

    $156

    Travelers

    $1,871

    $156

    Progressive

    $1,899

    $158

    Farmers

    $1,912

    $159

    Travelers

    $1,925

    $160

    Allstate

    $1,934

    $161

    Progressive

    $1,955

    $163

    Travelers

    $1,961

    $163

    Mercury

    $1,970

    $164

    Progressive

    $1,972

    $164

    Travelers

    $1,980

    $165

    Travelers

    $2,022

    $168

    GEICO

    $2,054

    $171

    Travelers

    $2,071

    $173

    Farmers

    $2,071

    $173

    Farmers

    $2,104

    $175

    Progressive

    $2,212

    $184

    Direct General Insurance

    $2,218

    $185

    Progressive

    $2,219

    $185

    Mercury

    $2,221

    $185

    Travelers

    $2,260

    $188

    Progressive

    $2,281

    $190

    Direct General Insurance

    $2,293

    $191

    Farmers

    $2,297

    $191

    Travelers

    $2,331

    $194

    Farmers

    $2,340

    $195

    Direct General Insurance

    $2,350

    $196

    Mercury

    $2,359

    $197

    Travelers

    $2,381

    $198

    Nationwide

    $2,391

    $199

    Direct General Insurance

    $2,397

    $200

    Nationwide

    $2,480

    $207

    Allstate

    $2,494

    $208

    Progressive

    $2,499

    $208

    Mercury

    $2,500

    $208

    Allstate

    $2,505

    $209

    GEICO

    $2,517

    $210

    Allstate

    $2,611

    $218

    Farmers

    $2,672

    $223

    Farmers

    $2,725

    $227

    Nationwide

    $2,738

    $228

    Mercury

    $2,819

    $235

    Mercury

    $2,851

    $238

    Mercury

    $2,906

    $242

    Direct General Insurance

    $2,997

    $250

    Allstate

    $3,276

    $273

    Allstate

    $3,303

    $275

    Mercury

    $3,404

    $284

    Allstate

    $3,408

    $284

    Mercury

    $3,528

    $294

    Expenses have a tendency to increase as the seriousness of the transgression escalates, even for motorists with infractions, when it comes to the least expensive car insurance. In Gainesville, your premiums are elevated by approximately $363 per year for receiving a speeding citation, whereas your rates can potentially surge by about $628 annually for being charged with a DUI.

    Cheapest Car Insurance in Gainesville for Military Drivers

    The below Gainesville insurance companies offer the most affordable prices on car insurance for military veterans and their families.

  • State Farm: around $865 annually.
  • GEICO: around $933 annually

    • GEICO claims the leading spot for the lowest insurance protection, with a price of roughly $378 per annum. State Farm closely follows, imposing approximately $384 on a yearly basis.

    USAA is also a popular choice due to its financial services tailored specifically for the military.

    Company

    Annual Premium

    Monthly Premium

    GEICO

    $349

    $29

    State Farm

    $360

    $30

    GEICO

    $378

    $32

    State Farm

    $384

    $32

    State Farm

    $443

    $37

    GEICO

    $492

    $41

    Nationwide

    $525

    $44

    Mercury

    $549

    $46

    Nationwide

    $551

    $46

    Mercury

    $575

    $48

    Travelers

    $598

    $50

    Travelers

    $614

    $51

    Nationwide

    $631

    $53

    Travelers

    $669

    $56

    Farmers

    $719

    $60

    Mercury

    $747

    $62

    Farmers

    $764

    $64

    State Farm

    $794

    $66

    Allstate

    $826

    $69

    Allstate

    $832

    $69

    Allstate

    $843

    $70

    Farmers

    $856

    $71

    State Farm

    $865

    $72

    GEICO

    $868

    $72

    Progressive

    $903

    $75

    Progressive

    $903

    $75

    GEICO

    $933

    $78

    Direct General Insurance

    $952

    $79

    Progressive

    $990

    $83

    Direct General Insurance

    $990

    $83

    State Farm

    $1,038

    $87

    Nationwide

    $1,070

    $89

    Nationwide

    $1,141

    $95

    Direct General Insurance

    $1,170

    $98

    Travelers

    $1,290

    $107

    Mercury

    $1,310

    $109

    GEICO

    $1,310

    $109

    Nationwide

    $1,340

    $112

    Travelers

    $1,349

    $112

    Mercury

    $1,396

    $116

    Progressive

    $1,438

    $120

    Progressive

    $1,460

    $122

    Farmers

    $1,540

    $128

    Travelers

    $1,541

    $128

    Farmers

    $1,665

    $139

    Progressive

    $1,692

    $141

    Direct General Insurance

    $1,729

    $144

    Direct General Insurance

    $1,766

    $147

    Allstate

    $1,840

    $153

    Allstate

    $1,850

    $154

    Mercury

    $1,913

    $159

    Farmers

    $1,919

    $160

    Allstate

    $1,934

    $161

    Direct General Insurance

    $2,218

    $185

    Best Overall Car Insurance in Gainesville

    The top-rated car insurance companies in Gainesville are:

  • State Farm: MoneyGeek rating 76 out of 100 (around $865 annually).
  • GEICO: MoneyGeek rating 73 out of 100 (approximately $933 annually).

    • State Farm’s capacity to uphold the equilibrium required for being the top-notch provider demonstrates that the insurer excelled in terms of customer satisfaction and cost-effectiveness.

    How was the calculation of this MoneyGeek score

    pros

    Provides immediate roadside aid, rental vehicle protection, and insurance for ridesharing.

    cons

    No accident pardoning or coverage for gaps.

    COMPANY HIGHLIGHTS

    State Farm offers various types of drivers for affordable premiums to meet basic insurance needs. It delivers quality service to its policyholders without any unnecessary extras.

    Without needing to spend a fortune, it provides personalized solutions that can cater to the distinct requirements of every driver. These protections provide benefits to drivers who wish to avoid typical costs in the event of a car breakdown or disability, with provisions such as rental car and travel compensation, roadside aid, and rideshare insurance to safeguard its policyholders.

    Another way to save on auto insurance premiums is by bundling other types of insurance with the same provider. The same provider also offers other ways for customers to save on insurance premiums.

    The insurer’s insurance is shown to be reliable for consumers, although it may not have the most impressive coverages. The insurer’s high satisfaction score is indicated by a great customer experience and low customer complaints.

    Check out MoneyGeek’s review of State Farm Auto Insurance

    Cheapest Full Coverage Car Insurance in Gainesville

    The following companies offer the most cost-effective comprehensive coverage in Gainesville:

  • State Farm: around $865 annually.
  • GEICO: around $933 annually

    • State Farm also provides the most competitive rates for full coverage vehicle insurance in Florida, costing approximately $1,850 per year. On the other hand, full coverage vehicle insurance from Allstate is the most expensive rate among all the companies we examined, amounting to around $1,850 annually.

    Company

    Annual Premium

    Monthly Premium

    GEICO

    $349

    $29

    State Farm

    $360

    $30

    GEICO

    $378

    $32

    State Farm

    $384

    $32

    State Farm

    $443

    $37

    GEICO

    $492

    $41

    Nationwide

    $525

    $44

    Mercury

    $549

    $46

    Nationwide

    $551

    $46

    Mercury

    $575

    $48

    Travelers

    $598

    $50

    Travelers

    $614

    $51

    Nationwide

    $631

    $53

    Travelers

    $669

    $56

    Farmers

    $719

    $60

    Mercury

    $747

    $62

    Farmers

    $764

    $64

    State Farm

    $794

    $66

    Allstate

    $826

    $69

    Allstate

    $832

    $69

    Allstate

    $843

    $70

    Farmers

    $856

    $71

    State Farm

    $865

    $72

    GEICO

    $868

    $72

    Progressive

    $903

    $75

    Progressive

    $903

    $75

    GEICO

    $933

    $78

    Direct General Insurance

    $952

    $79

    Progressive

    $990

    $83

    Direct General Insurance

    $990

    $83

    State Farm

    $1,038

    $87

    Nationwide

    $1,070

    $89

    Nationwide

    $1,141

    $95

    Direct General Insurance

    $1,170

    $98

    Travelers

    $1,290

    $107

    Mercury

    $1,310

    $109

    GEICO

    $1,310

    $109

    Nationwide

    $1,340

    $112

    Travelers

    $1,349

    $112

    Mercury

    $1,396

    $116

    Progressive

    $1,438

    $120

    Progressive

    $1,460

    $122

    Farmers

    $1,540

    $128

    Travelers

    $1,541

    $128

    Farmers

    $1,665

    $139

    Progressive

    $1,692

    $141

    Direct General Insurance

    $1,729

    $144

    Direct General Insurance

    $1,766

    $147

    Allstate

    $1,840

    $153

    Allstate

    $1,850

    $154

    Mercury

    $1,913

    $159

    Farmers

    $1,919

    $160

    Allstate

    $1,934

    $161

    Direct General Insurance

    $2,218

    $185

    Both comprehensive and collision coverage are included in a complete auto insurance policy that provides full coverage.

  • You don’t have to worry about paying for damages to your vehicle if you are at fault in an accident. This is what having collision insurance means.
  • Comprehensive Coverage: Comprehensive insurance provides compensation for losses caused by fire, vandalism, and theft.

    • The worth of the automobile might ultimately surpass the expense of the plan as comprehensive insurance might not be advantageous for more mature cars.

    Best Car Insurance in Gainesville: Summary

    The top car insurance company will vary depending on your preferences. Here are the leading providers in Gainesville for various categories:

  • Top choice: State Farm (MoneyGeek score 76 out of 100).
  • Top for service: Travelers (MoneyGeek rating of 60 out of 100
  • Top affordable option: State Farm (MoneyGeek rating of 78 out of 100

    • State Farm is regarded as the top auto insurance provider in Florida, and it is also considered the best option overall in Gainesville. The MoneyGeek scores of insurance providers can vary depending on the specific category they are being evaluated in.

    How to Compare Cheap Gainesville Car Insurance Quotes Online

    To obtain an online auto insurance quote in Gainesville, you may have to go through several insurers who will ask for a significant amount of personal information, and the whole process could take up to 15 minutes.

    By simply entering information about yourself, your driving history, age limits, and vehicle, our auto insurance calculator will provide you with a rough estimate of your costs in just a few seconds.

    Auto Insurance Calculator

    Observe the fluctuations in Average Yearly Car Insurance Premiums based on the selected preferences.

    Cheapest Minimum Liability Car Insurance in Gainesville

    The below mentioned are the insurance companies in Gainesville that offer the most affordable fundamental policies:

  • GEICO: around $378 per
  • State Farm: around $384 annually.

    • Direct General Insurance is the most expensive choice, costing approximately $990 per year. GEICO also offers the most affordable rates for car insurance in Florida, with an annual cost of around $485.

    Company

    Annual Premium

    Monthly Premium

    GEICO

    $349

    $29

    State Farm

    $360

    $30

    GEICO

    $378

    $32

    State Farm

    $384

    $32

    State Farm

    $443

    $37

    GEICO

    $492

    $41

    Nationwide

    $525

    $44

    Mercury

    $549

    $46

    Nationwide

    $551

    $46

    Mercury

    $575

    $48

    Travelers

    $598

    $50

    Travelers

    $614

    $51

    Nationwide

    $631

    $53

    Travelers

    $669

    $56

    Farmers

    $719

    $60

    Mercury

    $747

    $62

    Farmers

    $764

    $64

    State Farm

    $794

    $66

    Allstate

    $826

    $69

    Allstate

    $832

    $69

    Allstate

    $843

    $70

    Farmers

    $856

    $71

    State Farm

    $865

    $72

    GEICO

    $868

    $72

    Progressive

    $903

    $75

    Progressive

    $903

    $75

    GEICO

    $933

    $78

    Direct General Insurance

    $952

    $79

    Progressive

    $990

    $83

    Direct General Insurance

    $990

    $83

    State Farm

    $1,038

    $87

    Nationwide

    $1,070

    $89

    Nationwide

    $1,141

    $95

    Direct General Insurance

    $1,170

    $98

    Travelers

    $1,290

    $107

    Mercury

    $1,310

    $109

    GEICO

    $1,310

    $109

    Nationwide

    $1,340

    $112

    Travelers

    $1,349

    $112

    Mercury

    $1,396

    $116

    Progressive

    $1,438

    $120

    Progressive

    $1,460

    $122

    Farmers

    $1,540

    $128

    Travelers

    $1,541

    $128

    Farmers

    $1,665

    $139

    Progressive

    $1,692

    $141

    Direct General Insurance

    $1,729

    $144

    Direct General Insurance

    $1,766

    $147

    Allstate

    $1,840

    $153

    Allstate

    $1,850

    $154

    Mercury

    $1,913

    $159

    Farmers

    $1,919

    $160

    Allstate

    $1,934

    $161

    Direct General Insurance

    $2,218

    $185

    In order to meet the state’s minimum insurance requirements, a driver in Florida must have liability insurance for personal injury protection and property damage protection.

  • $10,000 liability for property damage per accident
  • $10,000 coverage for

    • If the policyholder causes an accident resulting in physical injuries in a single incident, the insurer will pay up to $10,000 for the incurred costs. Additionally, the policyholder will be financially responsible for any medical expenses of another party, exceeding the limit set by the policy.

    Best Car Insurance in Gainesville for Customer Service

    With the exception of pricing, the Gainesville businesses that offer the best customer service are:

  • Travelers: MoneyGeek rating 60 out of 100 (approximately $1,349
  • State Farm: MoneyGeek rating 58 out of 100 (around $865 per annum).

    • The insurer charges higher rates for the excellent service you will receive. Travelers outshines other companies with its good service and comprehensive coverage.

    How was the calculation of this MoneyGeek score

    pros

    Provides outstanding coverage options, such as roadside aid, replacement for new vehicles, and additional benefits.

    cons

    Premiums are comparatively more expensive.

    COMPANY HIGHLIGHTS

    It provides 24/7 customer care with valuable coverage, which policyholders can obtain at an affordable price. Travelers is not the most affordable provider, but it ensures that policyholders receive the maximum value.

    In various situations, Travelers has the ability to safeguard its policyholders. Demonstrate how it can ensure the protection of its policyholders within alternative insurance companies and the assessment conducted by MoneyGeek, which emphasizes the exceptional coverage and satisfaction rating it received. One noteworthy aspect of Travelers is its exceptional coverage and satisfaction rating.

    This provider offers something that is not offered by every other provider. It offers gap insurance, which covers the difference between the actual cash value of your car and what you owe on it in the event of a catastrophic loss. Policyholders can trust this provider for travel reimbursement or car rental, accident forgiveness, a new replacement car, and roadside assistance.

    Consider Travelers if you are a customer who wants more comprehensive coverage and service. It offers more coverage that can help protect drivers, even though it might be more expensive than most other insurers.

    Check out MoneyGeek’s Review of Travelers

    Cheapest Car Insurance in Gainesville for Teens and Their Families

    Some of the most affordable Gainesville car insurance companies for including a youthful driver to the family policy are:

  • Nationwide: about $3,006 per annum for adolescent boys; $2,669 for adolescent girls.
  • GEICO: around $3,332 annually for teenage boys.
  • State Farm: around $3,177 annually for teenage girls.

    • The disparity starts to narrow as adulthood reaches drivers. Teenage males spend an average of $357 more than females, as males are considered riskier drivers and therefore have more expensive insurance. Farmers and Travelers have the highest rates, around $4,595 per year for females and $5,108 per year for males, respectively.

    Company

    Family Plan Annual Premium

    Individual Plan Monthly Premium

    GEICO

    $1,356

    $3,281

    GEICO

    $1,457

    $3,525

    GEICO

    $1,514

    $4,046

    GEICO

    $1,569

    $3,796

    Travelers

    $1,862

    $3,111

    State Farm

    $1,868

    $2,156

    GEICO

    $1,917

    $3,203

    Nationwide

    $1,930

    $3,099

    State Farm

    $1,934

    $2,233

    Travelers

    $1,962

    $3,154

    State Farm

    $1,972

    $2,214

    State Farm

    $2,015

    $2,559

    Nationwide

    $2,019

    $2,594

    Nationwide

    $2,029

    $2,607

    Nationwide

    $2,033

    $2,717

    State Farm

    $2,041

    $2,356

    Nationwide

    $2,058

    $3,623

    GEICO

    $2,103

    $3,514

    Nationwide

    $2,105

    $2,884

    Travelers

    $2,110

    $3,836

    Travelers

    $2,114

    $3,531

    Nationwide

    $2,127

    $2,734

    Nationwide

    $2,131

    $2,847

    State Farm

    $2,137

    $2,779

    Travelers

    $2,168

    $3,622

    State Farm

    $2,171

    $2,437

    GEICO

    $2,198

    $4,146

    Nationwide

    $2,226

    $3,293

    State Farm

    $2,257

    $2,880

    Travelers

    $2,260

    $3,634

    GEICO

    $2,262

    $4,403

    GEICO

    $2,269

    $4,570

    Nationwide

    $2,274

    $3,038

    GEICO

    $2,293

    $3,832

    State Farm

    $2,320

    $2,604

    Nationwide

    $2,322

    $4,311

    Travelers

    $2,331

    $4,311

    Nationwide

    $2,352

    $3,776

    State Farm

    $2,355

    $3,062

    Travelers

    $2,357

    $4,166

    State Farm

    $2,379

    $3,439

    Travelers

    $2,421

    $3,894

    State Farm

    $2,539

    $3,211

    Nationwide

    $2,574

    $5,382

    Nationwide

    $2,607

    $4,590

    Nationwide

    $2,669

    $7,389

    Nationwide

    $2,669

    $7,389

    Nationwide

    $2,669

    $7,389

    Travelers

    $2,716

    $4,806

    Allstate

    $2,787

    $4,175

    GEICO

    $2,798

    $6,253

    Allstate

    $2,801

    $6,035

    Travelers

    $2,805

    $4,958

    State Farm

    $2,814

    $3,877

    Travelers

    $2,814

    $5,798

    GEICO

    $2,826

    $6,488

    Allstate

    $2,836

    $6,306

    Allstate

    $2,881

    $4,221

    State Farm

    $2,892

    $3,657

    State Farm

    $2,907

    $4,160

    GEICO

    $2,920

    $5,682

    Progressive

    $2,980

    $2,755

    Allstate

    $2,983

    $14,935

    GEICO

    $2,988

    $6,018

    Nationwide

    $3,006

    $9,252

    Nationwide

    $3,006

    $9,252

    Nationwide

    $3,006

    $9,252

    GEICO

    $3,148

    $6,906

    State Farm

    $3,151

    $4,342

    GEICO

    $3,175

    $6,625

    State Farm

    $3,177

    $4,914

    Allstate

    $3,245

    $4,861

    Travelers

    $3,260

    $7,326

    GEICO

    $3,291

    $6,868

    GEICO

    $3,292

    $7,118

    Farmers

    $3,300

    $3,121

    Travelers

    $3,321

    $5,876

    GEICO

    $3,332

    $7,693

    Travelers

    $3,340

    $7,049

    GEICO

    $3,342

    $7,332

    Allstate

    $3,343

    $17,817

    Allstate

    $3,346

    $5,844

    Farmers

    $3,361

    $3,249

    Allstate

    $3,379

    $4,950

    Allstate

    $3,389

    $5,405

    State Farm

    $3,394

    $4,772

    Progressive

    $3,441

    $3,181

    Allstate

    $3,453

    $5,173

    Farmers

    $3,459

    $2,740

    Farmers

    $3,528

    $2,894

    Farmers

    $3,556

    $2,917

    Farmers

    $3,582

    $3,002

    Farmers

    $3,584

    $2,941

    Farmers

    $3,606

    $2,856

    Allstate

    $3,607

    $5,285

    Progressive

    $3,626

    $4,012

    Progressive

    $3,641

    $4,479

    Progressive

    $3,656

    $2,936

    Allstate

    $3,665

    $9,734

    Allstate

    $3,676

    $7,921

    Farmers

    $3,677

    $3,092

    Progressive

    $3,679

    $4,317

    Farmers

    $3,740

    $2,962

    Progressive

    $3,745

    $3,462

    Allstate

    $3,786

    $9,737

    State Farm

    $3,817

    $5,367

    State Farm

    $3,853

    $6,112

    Progressive

    $3,932

    $7,451

    Progressive

    $3,935

    $7,900

    Progressive

    $3,989

    $4,907

    Travelers

    $4,006

    $9,083

    Farmers

    $4,029

    $8,985

    Progressive

    $4,056

    $3,257

    Progressive

    $4,065

    $4,770

    Progressive

    $4,080

    $5,671

    Progressive

    $4,095

    $5,332

    Farmers

    $4,100

    $9,559

    Travelers

    $4,122

    $9,263

    Allstate

    $4,143

    $9,211

    Progressive

    $4,287

    $4,111

    Farmers

    $4,313

    $4,742

    Progressive

    $4,316

    $3,466

    Travelers

    $4,321

    $12,543

    Farmers

    $4,340

    $10,117

    Farmers

    $4,368

    $9,740

    Allstate

    $4,369

    $27,389

    Progressive

    $4,399

    $9,486

    Progressive

    $4,468

    $9,174

    Progressive

    $4,536

    $9,105

    Allstate

    $4,550

    $28,598

    Farmers

    $4,600

    $5,046

    Progressive

    $4,632

    $8,778

    Allstate

    $4,653

    $23,294

    Farmers

    $4,672

    $4,516

    Farmers

    $4,722

    $13,354

    Farmers

    $4,788

    $13,305

    Allstate

    $4,940

    $26,327

    Travelers

    $5,153

    $11,685

    Farmers

    $5,164

    $4,885

    Travelers

    $5,428

    $16,159

    Teenage boys in Gainesville may see an increase of around $4,940 in rates if he buys his own insurance, as opposed to remaining on his parent’s policy. In many instances, getting a cheap car insurance policy for teenagers is often more expensive, including for him and his family on an existing policy.

    Average Cost of Car Insurance in Gainesville

    The car insurance cost average in Gainesville for full coverage is $1,367 as of October 2022. This amount provides policyholders with $100,000 bodily injury liability per person, $300,000 bodily injury liability per accident, and $100,000 property damage liability per accident.

    Comparing Gainesville’s average insurance cost of $102, which is more expensive than the national average, to the average insurance cost in Florida of $1,935, one of the key factors that impacts car insurance premiums is the location. In this state, insurance is around $569, making it cheaper than the state average.

    About Mark Fitzpatrick

    Mark Fitzpatrick headshot

    Mark Fitzpatrick, a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, has been quoted in several publications, including Mashable and News NBC, CNBC. He specializes in creating personalized content and conducting original research for every buyer.

    Mark, who earned a bachelor’s degree from Boston College and a master’s degree in International Relations and Economics from Johns Hopkins University, is passionate about using his knowledge of insurance and economics to bring transparency and help others feel confident in their financial moves.