Cheapest Auto Insurance in Gainesville, Florida (2026)
Progressive offers the cheapest car insurance in Gainesville, with minimum-coverage policies as low as $83 per month.
Secure. Free. Easy-to-use.
Excellent
)
Written byJacqueline DeMarco
)
Jacqueline DeMarcoFreelance Insurance Writer
13+ years writing insurance and personal finance content
Insurance, lending, and retirement expert
Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
Featured in
){kind=small}
){kind=small}
)
Edited byCourtney Mikulski
)
Courtney MikulskiSenior Editor, Auto
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
Featured in
){kind=small}
){kind=small}
)
Reviewed byDaniel Roccato
)
Daniel RoccatoAdvisor
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Table of contents
Although Florida is one of the most expensive states for car insurance, according to Insurify data, car insurance in Gainesville costs a bit less than the state averages. Full coverage averages $190 per month in Gainesville, and the average for minimum coverage is $114. The state-level averages are $204 for full coverage and $165 for liability-only policies.
It’s important to note that location, down to your ZIP code, significantly influences insurance costs. Gainesville’s inland location in Florida could contribute to its lower average car insurance rates.
Here’s how you can find affordable car insurance for your coverage needs in Gainesville.
Quick Facts
Progressive, Mile Auto, and State Farm have the cheapest car insurance in Gainesville.
Gainesville police reported more than 24,800 accidents in the city in 2023, according to City of Gainesville data.
Home to the University of Florida, Gainesville is the 13th largest city in the state.
7 of the cheapest car insurance companies in Gainesville
When searching for the right car insurance company in Gainesville, it’s crucial to assess your individual insurance needs and circumstances. The cheapest car insurance company can vary depending on factors such as your driving history, vehicle type, and coverage level needs.
Here’s a closer look at some affordable car insurance companies in Gainesville and what sets them apart.
 |  |  |  |  |  |  |
|---|---|---|---|---|---|---|
Average price Prices based on average across state-minimum and full coverage car insurance $124/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $160/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $140/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $215/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $160/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $128/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $211/mo* |
Overall rating 4.0 | Overall rating 4.0 | Overall rating 4.2 | Overall rating 3.8 | Overall rating 3.8 | Overall rating 3.2 | Overall rating 3.3 |
Value for money 3.7/5 | Value for money 3.8/5 | Value for money 3.6/5 | Value for money 3.3/5 | Value for money 3.2/5 | Value for money 3.0/5 | Value for money 3.0/5 |
Customer service 4.2/5 | Customer service 4.1/5 | Customer service 4.0/5 | Customer service 3.8/5 | Customer service 3.7/5 | Customer service 3.4/5 | Customer service 3.1/5 |
Claims handling 4.1/5 | Claims handling 4.1/5 | Claims handling 4.2/5 | Claims handling 3.8/5 | Claims handling 3.8/5 | Claims handling 3.3/5 | Claims handling 3.1/5 |
Special highlight Customer serviceAI-generated from 7299 user reviews | Special highlight Teen driversAI-generated from 7536 user reviews | Special highlight Usage-based savingsAI-generated from 515 user reviews | Special highlight Accident forgivenessAI-generated from 4345 user reviews | Special highlight Bundling discountsAI-generated from 1120 user reviews | Special highlight Competitive ratesAI-generated from 8266 user reviews | Special highlight High-risk driversAI-generated from 540 user reviews |
Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers
Best insurer for full coverage: State Farm
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $125/mo |
4.0
Best choice in Gainesville, FLBased on 16,551 verified driver reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Gainesville for
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Gainesville for
Customer service
Competitive rates
Discounts for safe drivers
Showing 75 Florida reviews for Gainesville drivers - See all 7,299 State Farm reviews
Robert
Verified Review
State Farm
Reviewed in Florida on March 30, 2026
State Farm is expensive, and despite their plug-in for my car, they don’t offer any discounts. I have been with them for about 7 years, same vehicle, no tickets or accidents, and they won’t decrease my rate.
Peter
Verified Review
Had enough.
Reviewed in Florida on March 28, 2026
Overpriced, don’t receive proof of insurance card frequently, and do not give you a reminder until the last minute.
Sylvia
Verified Review
State Farm is too expensive!
Reviewed in Florida on March 28, 2026
I still have State Farm, but I'm looking for lower rates with full coverage! I received offers from Progressive, Allstate, and others using the same coverage specs, and prices were lower. I asked State Farm to review my rates and get them closer to the other car insurance offers. So far, I've not received any better offers.
James
Verified Review
State Farm is the best
Reviewed in Florida on March 27, 2026
State Farm auto insurance is about $2000 less per 6 months than my former insurance company (The Hartford), for the exact same coverage.
Jacquelyn
Verified Review
Evaluation
Reviewed in Florida on March 23, 2026
My local agent is great. The national level, not so much. I was in an accident two years ago and was told I would get no help from your company even though I was not at fault and the other driver was cited. I never got reimbursed for my expenses to get home to Florida from Virginia.
Barbara
Verified Review
Competitors Admit They Can’t Compete with SF Prices
Reviewed in Florida on March 22, 2026
Tap into discount advantages, open to questions, respectful, responds in a timely manner, knowledgeable.
Rebscca
Verified Review
State Farm
Reviewed in Florida on March 22, 2026
The folks at the State Farm office are awesome. However, the insurance is way too expensive.
Linda
Verified Review
Reasonable Rates
Reviewed in Florida on March 21, 2026
My current rate is much more reasonable than other companies.
Troy
Verified Review
Great service, price is a little high
Reviewed in Florida on March 21, 2026
It's a little expensive.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm offers extensive coverage options, like liability insurance, collision insurance, and comprehensive insurance. It also offers coverage for medical payments, uninsured and underinsured motorists, rental car reimbursement, and roadside assistance.
Pros
Variety of discounts
Top J.D. Power customer satisfaction rating in Florida
Cons
Received negative reviews from the Better Business Bureau (BBB)
No gap insurance
Best insurer for senior drivers: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $175/mo |
4.0
Best choice in Gainesville, FLBased on 16,802 verified driver reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best in Gainesville for
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best in Gainesville for
Teen drivers
Cheap rates
Accident forgiveness
Showing 75 Florida reviews for Gainesville drivers - See all 7,536 GEICO reviews
Pamala
Verified Review
Mostly Happy with Geico 😏
Reviewed in Florida on March 28, 2026
I have been very happy with Geico. They were there and insured me when everyone else wanted to charge me twice as much, and that was more than 5 years ago. My rates at one point were as low as $35 a month, and then all of a sudden they shot up to $55 to $58 a month with zero tickets, zero accidents, and zero claims, which is why I started shopping around. But to be perfectly honest, even though I can get insurance for $14 less a month on average, I think I'm going to stick with Geico because they were there when I needed a break, and that goes a long way with me.
Jeffrey
Verified Review
Dump Geico, Go to Progressive
Reviewed in Florida on March 28, 2026
Nice, no one calls me for anything, and they are very competitive on pricing. Good price for the money.
William
Verified Review
Excellent
Reviewed in Florida on March 26, 2026
I like them, but they're just too expensive.
Laura
Verified Review
Paying Too Much
Reviewed in Florida on March 21, 2026
Paying for a no-fault accident.
Gerald
Verified Review
Shop for insurance
Reviewed in Florida on March 21, 2026
Check around for lower prices.
Joseph
Verified Review
Great
Reviewed in Florida on March 21, 2026
Great customer support.
Jeff
Verified Review
Doubling my premium
Reviewed in Florida on March 20, 2026
I have GEICO. I had a very small accident and they doubled my insurance for two years. I don’t think that’s fair, considering I’ve had no claims in over 30 years.
Thelma
Verified Review
I have to say that GEICO responds quickly to an accident, but they are way overpriced. I thought if I stayed with them a little longer, the policy price would get better. Little did I know, it doesn’t work like that, and I’m 67 years old. All they worry about is getting their money, so this year I’m pretty sure I’m changing insurance companies. If it means getting rid of my car, at least I won’t have a car payment and I won’t have to worry about renewing insurance.
Reviewed in Florida on March 19, 2026
I have to say that GEICO responds quickly to an accident, but they are way overpriced. I thought if I stayed with them a little longer, the policy price would get better. Little did I know, it doesn’t work like that, and I’m 67 years old. All they worry about is getting their money, so this year I’m pretty sure I’m changing insurance companies. If it means getting rid of my car, at least I won’t have a car payment and I won’t have to worry about renewing insurance.
Patricia
Verified Purchase
I have had a great experience with GEICO. They were easy to contact and I got a great rate. I would definitely recommend them to anyone.
Reviewed in Florida on March 12, 2026
I have had a great experience with GEICO. They were easy to contact and I got a great rate. I would definitely recommend them to anyone.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
GEICO supports senior drivers by offering car insurance with affordable rates and personalized service. With 85 years of industry experience, GEICO provides seniors with the peace of mind they deserve. It offers free car insurance quotes and opportunities for car insurance savings through various discounts.
Pros
Senior driver discounts
Policy bundling available
Cons
Negative BBB reviews
No gap insurance
Best insurer for drivers with an accident: Allstate
| User Reviews | 3.8 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $217/mo |
3.8
A solid option in Gainesville, FLBased on 9,920 verified driver reviews and ratings
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best in Gainesville for
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best in Gainesville for
Accident forgiveness
Wide availability
Cheap rates
Showing 75 Florida reviews for Gainesville drivers - See all 4,345 Allstate reviews
Toni
Verified Review
Shopping around
Reviewed in Florida on March 27, 2026
The representative offered me higher liability coverage for a good price, but I don't want or need it. When I questioned another representative, she was snippy and said they don't just provide basic state coverage, which is not true. I'm not really happy with them as it seems like they're looking to make a commission at my expense and lying about it. I'm looking around now that renewal is about to go into effect.
Donald
Verified Review
Too Little Too Late from Allstate
Reviewed in Florida on March 20, 2026
I’m no longer with Allstate. I switched to State Farm 2 years ago, who gave me a much better rate.
Miguel
Verified Review
Overall I rated Allstate 3.5 out of 5
Reviewed in Florida on March 18, 2026
I think customers must be informed of their options without reservation and not just focus on the bottom line for the company or representative. If a customer qualifies for a much lower rate according to all established rules, then why not go over it with the customer, explaining the details?
Gregory
Verified Review
Help from Rosa
Reviewed in Florida on March 17, 2026
Great, the agent I spoke with, Rosa, helped me and did a great job. She answered all my questions and was very polite and knowledgeable.
Sandra
Verified Review
Great Insurance Company
Reviewed in Florida on March 12, 2026
I have had Allstate since 1973, so I am really happy with my policy. No one else seems to meet the coverage and price.
Leslee
Verified Review
Basically satisfied with policy.
Reviewed in Florida on March 2, 2026
The experience has been very good; however, we feel like we need a policy that is more cost-effective.
Kenneth
Verified Review
Smug People Working in One Office
Reviewed in Florida on March 2, 2026
Allstate has a terrible crew. I never see the owner of the place, a smug guy that I don’t trust. Their prices are exceptionally high for nothing gained. I'm ready to find a new company to give my business to.
Joseph
Verified Review
Rising Rates, Zero Loyalty Considerations
Reviewed in Florida on March 1, 2026
They have been a good company for paying out on claims, but loyalty gets nothing in consideration to rates. I have been with them since 1982 and my rates are through the roof. They are always raising and NEVER offering a lower rate. I’m curious how much of my rate goes to agent commission.
Dan
Verified Review
Best Price
Reviewed in Florida on February 25, 2026
Best price.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
636NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-Why we picked this company
Allstate understands the needs of drivers facing higher insurance rates following an accident. It prioritizes customer support by offering easy access to knowledgeable agents and innovative tools, like Drivewise, enabling safe drivers to save money on their premiums.
Pros
Offers various discounts
Coverage for hybrid and classic cars available
Cons
Not accredited by BBB
Higher average premiums than competing insurers
How to get the cheapest car insurance in Gainesville
If you’re in the market for the cheapest car insurance in Gainesville, Florida, keep these tips in mind to help you save on premiums:
Explore available discounts. Ask about potential discounts for things like good driving or having a car with advanced safety features. If you have a teen in the house, you can ask if the insurance company offers a good student discount.
Drive safely. Prioritize safe driving habits, adhere to traffic laws, and minimize accidents and violations to maintain a clean driving record, which can contribute to lower insurance rates.
Shop around. Conduct thorough research on the best car insurance in Gainesville, Florida, and compare quotes from different companies to see which one can offer the best coverage for the best price.
Bundle different policies. Maximize your savings by bundling your car insurance with other policies, such as renters or home insurance, and inquire about potential multi-policy discounts.
Find Cheap Car Insurance in Gainesville
Liability rates start at $83 per month
Excellent
4.7 out of 5 based on 13,041 reviews
Secure. Free. Easy-to-use.
Cheapest liability-only car insurance in Gainesville: Progressive
Liability-only car insurance is the state-minimum requirement that Florida sets for all drivers. It covers damages that the insured driver causes to others in an accident. Liability coverage is typically cheaper because it’s the bare-minimum coverage to legally drive.
Gainesville drivers pay $114 per month for liability coverage, on average. Here are some of the cheapest car insurance companies in Gainesville for liability-only policies.
The below rates in Gainesville, FL, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company  | Average Monthly Quote |
|---|---|
| Progressive | $83 |
| Mile Auto | $89 |
| State Farm | $89 |
| Clearcover | $92 |
| GEICO | $102 |
| Dairyland | $105 |
| Embark | $114 |
| Infinity | $116 |
| Mercury | $128 |
| Direct Auto | $129 |
| GAINSCO | $131 |
| The General | $138 |
| Bristol West | $149 |
| Allstate | $155 |
| Root | $155 |
| AssuranceAmerica | $159 |
| National General | $159 |
| Travelers | $185 |
| Mendota | $241 |
| First Acceptance | $252 |
| Liberty Mutual | $252 |
Disclaimer: Table data sourced from real-time Gainesville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Gainesville may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Gainesville: State Farm
When it comes to car insurance, liability-only coverage is essential for protecting against damages and injuries you cause to others in an accident. Conversely, full-coverage car insurance offers broader protection and includes more coverage types. As such, it’s more expensive. The average rate for full-coverage insurance in Gainesville is $190 per month.
Full coverage is a good idea for drivers with high-value vehicles, people who live in accident-prone and theft-prone areas, or anyone who wants extensive coverage for personal and third-party damages.
If you’re interested in finding affordable full-coverage policies in Gainesville, refer to the table below.
The below rates in Gainesville, FL, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $125 |
| Progressive | $140 |
| Mile Auto | $144 |
| Mercury | $171 |
| GEICO | $175 |
| National General | $184 |
| Clearcover | $191 |
| Direct Auto | $194 |
| Bristol West | $208 |
| Allstate | $217 |
| Infinity | $218 |
| The General | $228 |
| Embark | $248 |
| Root | $249 |
| AssuranceAmerica | $250 |
| Travelers | $258 |
| GAINSCO | $267 |
| Liberty Mutual | $285 |
| Dairyland | $296 |
| First Acceptance | $322 |
| Mendota | $328 |
Disclaimer: Table data sourced from real-time Gainesville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Gainesville may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Gainesville, Florida
Drivers using Insurify have found quotes as cheap as $65/mo for liability only and $119/mo for full coverage in Gainesville and other Florida cities.
*Quotes generated for Insurify users in and around Gainesville, Florida within the last 10 days. Last updated on March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Gainesville, Florida within the last 10 days. Last updated on March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Florida
In Florida, drivers must show proof of insurance for personal injury protection (PIP) and property damage liability in order to drive legally. PIP covers 80% of medical expenses, up to $10,000, for covered injuries, regardless of who’s at fault. Property damage liability, on the other hand, covers property damage the insured driver causes.
Here are Florida’s minimum auto insurance requirements for drivers:[1]
Coverage | Minimum Requirements |
|---|---|
| Personal injury protection | $10,000 per accident |
| Property damage liability | $10,000 per accident |
While buying liability coverage may get you cheap auto insurance, it may not cover all your medical bills or car repairs from a car accident. You can enhance your auto insurance policy with these optional coverages that can provide added security and peace of mind:
Collision coverage
Collision coverage pays for damages from collisions — as the name suggests — with an object or another vehicle, regardless of fault.
Comprehensive coverage
Comprehensive coverage includes coverage for theft and damages from incidents like fire, vandalism, theft, falling objects, and natural disasters.
Gap coverage
Gap coverage comes into play if you have a financed or leased vehicle and helps bridge the gap between your remaining loan balance and the insurance settlement in case of a total loss.
Glass coverage
You can turn to glass coverage to specifically cover damages to your windshield and other glass components. This coverage sometimes offers no-deductible coverage for side windows, rear windows, and glass sunroofs.
)
Keep Reading: How Much Car Insurance Do You Need?
Cheapest car insurance for drivers with an incident
For drivers with a history of incidents like at-fault accidents, speeding tickets, driving under the influence (DUI) charges, or other moving violations, finding affordable car insurance becomes crucial. These incidents generally lead to higher insurance premiums, as they indicate a greater likelihood of future claims.[2]
Find Car Insurance in Gainesville, FL
Minimum coverage starts at $93/mo. for drivers with an incident
Excellent
4.7 out of 5 based on 13,041 reviews
Secure. Free. Easy-to-use.
Cheapest car insurance for drivers with a speeding ticket: Progressive
Alachua County reported 12,000 speed-related moving violations in 2022, and your car insurance rates can increase when you receive a speeding ticket, even if you didn’t cause an accident.[3] Insurance companies consider speeding violations to be an indication of reckless driving, which raises the probability of accidents and claims. Therefore, insurance premiums tend to rise after a speeding ticket.
Speeding in Gainesville pushes the average cost of car insurance to $221 per month for full coverage and $132 for minimum coverage. The table below shows the cheapest average car insurance companies for Gainesville drivers with a speeding ticket.
The below rates in Gainesville, FL, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| Progressive | $83 | $96 |
| Mile Auto | $89 | $105 |
| State Farm | $89 | $109 |
| GEICO | $102 | $129 |
| Dairyland | $105 | $126 |
| Embark | $114 | $132 |
| Infinity | $116 | $142 |
| Mercury | $128 | $173 |
| Direct Auto | $129 | $155 |
| GAINSCO | $131 | $150 |
| The General | $138 | $178 |
| Bristol West | $149 | $181 |
| Allstate | $155 | $195 |
| Root | $155 | $199 |
| AssuranceAmerica | $159 | $195 |
| National General | $159 | $191 |
| Travelers | $185 | $232 |
| Mendota | $241 | $280 |
| First Acceptance | $252 | $292 |
| Liberty Mutual | $252 | $309 |
Disclaimer: Table data sourced from real-time Gainesville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Gainesville may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Progressive
An at-fault accident can have a lasting effect on your car insurance rates. Like with speeding tickets, insurance companies view at-fault accidents as signs of higher risk, which means your premiums are likely to rise. It’s essential to drive defensively and avoid accidents to maintain a clean driving record.[2]
The average cost of car insurance in Gainesville rises to $240 per month for full coverage and $144 for liability if you have an accident. If you’re a Gainesville driver with an at-fault accident in your driving history, check out the cheapest car insurance companies for your situation below.
The below rates in Gainesville, FL, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| Progressive | $83 | $105 |
| Mile Auto | $89 | $117 |
| State Farm | $89 | $115 |
| GEICO | $102 | $130 |
| Dairyland | $105 | $136 |
| Embark | $114 | $144 |
| Infinity | $116 | $146 |
| Mercury | $128 | $189 |
| Direct Auto | $129 | $172 |
| GAINSCO | $131 | $164 |
| The General | $138 | $186 |
| Bristol West | $149 | $191 |
| Allstate | $155 | $203 |
| Root | $155 | $202 |
| AssuranceAmerica | $159 | $207 |
| National General | $159 | $206 |
| Travelers | $185 | $243 |
| Mendota | $241 | $304 |
| First Acceptance | $252 | $318 |
| Liberty Mutual | $252 | $327 |
Disclaimer: Table data sourced from real-time Gainesville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Gainesville may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Progressive
Your car insurance rates can skyrocket following a DUI conviction because insurance companies perceive DUIs as a significant risk, indicating an increased likelihood of accidents and claims. As a result, your insurance premiums are likely to surge post-DUI.[2] Furthermore, Florida may require you to file an FR-44 insurance form after a DUI, which will increase your rates for three years or longer.[4]
Gainesville drivers with a DUI pay very high monthly rates, averaging $270 for full coverage and $162 for liability only. For Gainesville drivers seeking the cheapest average car insurance companies despite having a DUI on their record, consult the table below.
The below rates in Gainesville, FL, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| Progressive | $83 | $118 |
| Mile Auto | $89 | $129 |
| State Farm | $89 | $129 |
| GEICO | $102 | $146 |
| Dairyland | $105 | $153 |
| Embark | $114 | $162 |
| Infinity | $116 | $169 |
| Mercury | $128 | $193 |
| Direct Auto | $129 | $187 |
| GAINSCO | $131 | $190 |
| The General | $138 | $200 |
| Bristol West | $149 | $216 |
| Allstate | $155 | $225 |
| Root | $155 | $226 |
| AssuranceAmerica | $159 | $231 |
| National General | $159 | $231 |
| Travelers | $185 | $269 |
| Mendota | $241 | $342 |
| First Acceptance | $252 | $358 |
| Liberty Mutual | $252 | $366 |
Disclaimer: Table data sourced from real-time Gainesville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Gainesville may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
Age is a key determiner when it comes to car insurance rates. As drivers progress in their experience and enter their mid-30s, rates tend to decrease. But around age 70, premiums might have a minor upturn due to factors like potential health risks and heightened accident vulnerability.[5]
The average cost of car insurance for senior drivers in Gainesville is $171 per month for full coverage and $102 for liability-only insurance. If you’re a senior driver in Gainesville, this table lists car insurance companies offering some of the most affordable average quotes.
The below rates in Gainesville, FL, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| State Farm | $100 | $71 |
| Mile Auto | $116 | $71 |
| Progressive | $126 | $75 |
| Mercury | $139 | $104 |
| GEICO | $142 | $83 |
| National General | $148 | $128 |
| Direct Auto | $160 | $106 |
| Infinity | $163 | $87 |
| Bristol West | $177 | $127 |
| Allstate | $180 | $128 |
| The General | $196 | $118 |
| AssuranceAmerica | $200 | $127 |
| Travelers | $210 | $151 |
| Root | $212 | $132 |
| Embark | $223 | $102 |
| GAINSCO | $231 | $114 |
| Liberty Mutual | $243 | $215 |
| Dairyland | $255 | $91 |
| First Acceptance | $289 | $226 |
| Mendota | $294 | $216 |
Disclaimer: Table data sourced from real-time Gainesville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Gainesville may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Progressive
Teenagers and young adults frequently encounter much higher car insurance rates compared to older drivers, primarily due to their limited road experience and higher risks associated with their age group.[6]
As a teenager, one practical strategy for finding affordable car insurance is to stay on a parent’s insurance policy, as it often results in more favorable premiums. Selecting a safe and dependable vehicle equipped with advanced safety features and maintaining good academic performance to qualify for good student discounts can help keep premiums lower.
Gainesville teens with their own car insurance policies pay average monthly rates of $329 for full coverage and $197 for liability-only policies. Refer to the table below for a glimpse of the lowest average car insurance quotes for teen drivers and young adults in Gainesville, based on Insurify data.
The below rates in Gainesville, FL, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| State Farm | $237 | $169 |
| Progressive | $242 | $144 |
| Mile Auto | $290 | $179 |
| GEICO | $305 | $178 |
| Mercury | $309 | $232 |
| Bristol West | $362 | $260 |
| Direct Auto | $365 | $243 |
| National General | $365 | $315 |
| The General | $390 | $236 |
| Infinity | $397 | $211 |
| Root | $419 | $261 |
| Allstate | $420 | $300 |
| Embark | $429 | $197 |
| GAINSCO | $476 | $233 |
| Liberty Mutual | $490 | $433 |
| Dairyland | $495 | $175 |
| AssuranceAmerica | $509 | $323 |
| Travelers | $525 | $377 |
| First Acceptance | $557 | $436 |
| Mendota | $567 | $417 |
Disclaimer: Table data sourced from real-time Gainesville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Gainesville may vary based on the policy buyer's unique driver profile.
Find Car Insurance in Gainesville, FL
Check quotes from 120+ top insurance companies
Excellent
4.7 out of 5 based on 13,041 reviews
Secure. Free. Easy-to-use.
Gainesville car insurance quotes by credit tier
Florida allows auto insurance companies to consider credit history when determining insurance rates, but it can’t be the only factor they take into consideration.[7] Because of this, drivers with excellent or good credit scores generally pay lower premiums. Conversely, people with poor credit scores may face higher premiums.
The following chart outlines the average monthly quotes for Gainesville drivers by credit tier.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Gainesville?
The national average for full-coverage car insurance is $173 per month, and the Florida state average is $204 per month. Gainesville residents pay an average monthly premium of $190 for the same level of coverage.
It’s essential to remember that car insurance rates can differ significantly based on factors such as weather conditions, crime rates, and traffic volume within a city.
More cities in Florida
In Gainesville, car insurance rates are generally much more affordable than in other Florida cities. Cities such as Miami have higher rates, which makes sense considering this city has significantly higher rates of reckless driving incidents compared to Gainesville.[3]
Here’s a comparison of average monthly car insurance quotes in other major cities throughout Florida.
City | Full Coverage | Liability Only |
|---|---|---|
| Fort Lauderdale | $246 | $172 |
| Fort Myers | $207 | $136 |
| Jacksonville | $220 | $141 |
| Lakeland | $213 | $129 |
| Miami | $272 | $184 |
| Ocala | $200 | $128 |
| Orlando | $239 | $161 |
| Pompano Beach | $241 | $175 |
| Saint Petersburg | $218 | $141 |
| Tampa | $271 | $187 |
| West Palm Beach | $245 | $179 |
Disclaimer: Table data is based on real-time Gainesville quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Gainesville car insurance FAQs
Insurify answered the most common questions about car insurance in Gainesville, Florida. You can also check out Insurify’s insights on why car insurance rates are rising.
How much is car insurance in Gainesville?
Gainesville drivers face average car insurance rates of $190 per month for full coverage and $114 for liability-only policies.
While car insurance rates have increased across the country in the past year, Florida ranks as the third-most-expensive state for coverage, according to Insurify data. Only New York and Nevada drivers pay more, on average, for car insurance.
What are the cheapest car insurance companies in Gainesville, Florida?
Progressive offers the cheapest car insurance for Gainesville drivers, with minimum-coverage rates that start at $83 per month. Mile Auto and State Farm are the city’s second- and third-cheapest insurers, with monthly liability-only rates as low as $89 and $89, respectively.
What are the best car insurance companies in Gainesville?
Some of the best car insurance companies in Gainesville include Allstate, GEICO, and State Farm. These insurers have above-average J.D. Power customer satisfaction ratings in Florida, strong financial stability ratings, and high Insurify Quality Scores.
Gainesville drivers should always shop and compare car insurance quotes from multiple top companies at the same coverage level to find the best car insurance that meets their specific needs.
How do you compare car insurance rates in Gainesville?
You can go to multiple insurance company websites and fill out their quote forms individually to get all your car insurance quotes and then compare prices. For a quicker process, you can use a quote-comparison tool to gather multiple quotes for car insurance rates in Gainesville and compare them all at once. Make sure you choose the same coverage levels for every quote so you can see how much you’ll pay for the same coverage at each company you compare.
How much car insurance do you need in Florida?
Florida requires drivers to purchase $10,000 in personal injury protection and $10,000 for property damage liability coverage to drive legally in the state.[1] But you may need additional coverages, like collision insurance and comprehensive insurance, for more protection on the road.
Methodology
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
)
Cheapest Florida Car Insurance Quotes From $106/mo.
February 24, 2026
)
Best Home and Auto Insurance Bundle in Florida
March 30, 2026
)
Cheapest Full-Coverage Car Insurance in Florida
March 9, 2026
)
Car Insurance Discounts for Florida Drivers
March 9, 2026
)
Find a Car Insurance Broker in Florida
March 9, 2026
)
Can I Drive in Florida With a Foreign License?
October 22, 2025
)
Best Car Insurance in Florida for Teen Drivers
March 30, 2026
)
Best Car Insurance in Florida for Senior Drivers
March 30, 2026
)
Best Insurance for Antique and Classic Cars in Florida
March 30, 2026
)
Why Is Car Insurance So Expensive in Florida?
October 22, 2025
)
Uninsured Motorist Coverage in Florida
October 15, 2025
)
Non-Owner Car Insurance in Florida
March 30, 2026
)
How to Get a Florida Driver’s License
February 26, 2025
)
Best Car Insurance in Florida
March 30, 2026
)
How to Get Car Insurance in Florida
July 8, 2025
)
How Much Is Car Insurance for an 18-Year-Old in Florida?
March 9, 2026
)
Is Florida a No-Fault State for Auto Insurance?
February 27, 2025
)
Cheapest Low-Income Car Insurance in Florida
March 30, 2026
Temporary Car Insurance in Florida
March 31, 2026
)
Cheap SR-22 and FR-44 Insurance in Florida
March 31, 2026
)
Rideshare Insurance in Florida
March 31, 2026
Car Insurance Requirements in Florida
March 31, 2026
)
High-Risk Car Insurance in Florida Starting at $127
March 31, 2026
)
Compare Cheap Gap Insurance Companies in Florida
March 31, 2026
)
)
)
Cheap Car Insurance in West Palm Beach, FL, From $115
March 31, 2026
)
Cheapest Car Insurance in Winter Haven, FL,
March 31, 2026
)
Cheap Car Insurance in Tampa, Florida, From $124
March 31, 2026
)
Best Cheap Car Insurance in Tallahassee, FL, From $87
March 31, 2026
)
Best Cheap Car Insurance in Spring Hill, FL, From $104
March 31, 2026
)
Best Cheap Car Insurance in Sarasota, FL, From $83
March 31, 2026
)
Best Cheap Car Insurance in Saint Petersburg, FL, From $98
March 31, 2026
)
Cheapest Car Insurance in Riverview, Florida
March 31, 2026
)
Best Cheap Car Insurance in Pensacola, FL, From $86
March 31, 2026
)
Cheapest Car Insurance Quotes in Pompano Beach, FL
March 31, 2026
)
Cheap Car Insurance in Panama City, FL, Starting at $78
March 31, 2026
)
Cheap Car Insurance in Palm Bay, FL, Starting at $90
March 31, 2026
)
Best Cheap Car Insurance in Orlando, FL, From $109
March 31, 2026
)
Best Cheap Car Insurance in Ocala, FL, From $89
March 31, 2026
)
Cheap Car Insurance in Naples, FL, Starting at $86
March 31, 2026
)
Cheap Car Insurance in Miami, FL, Starting at $124
March 31, 2026
)
Best Cheap Car Insurance in Lakeland, FL, From $93
March 31, 2026
)
Best Cheap Car Insurance in Melbourne, FL, From $84
March 31, 2026
Best Cheap Car Insurance in Jupiter, FL, From $87
March 31, 2026
)
Cheap Car Insurance in Jacksonville, FL, Starting at $98
March 31, 2026
)
Best Cheap Car Insurance in Fort Myers, FL, From $93
March 31, 2026
)
Best Cheap Car Insurance in Fort Lauderdale, FL, From $113
March 31, 2026
)
Best Cheap Car Insurance in Daytona Beach, FL, From $95
March 31, 2026
Cheapest Car Insurance Quotes in Davenport, FL,
March 31, 2026
)
)
Sources
- Florida Department of Highway Safety and Motor Vehicles. "Florida Insurance Requirements."
- III. "Do auto insurance premiums go up after a claim?."
- Florida Department of Highway Safety and Motor Vehicles. "Annual Uniform Traffic Citation Report."
- Florida Department of Highway Safety and Motor Vehicles. "DUI Frequently Asked Questions."
- III. "Senior driving safety and insurance tips."
- III. "What determines the price of an auto insurance policy?."
- The Florida Senate. "626.9741 Use of credit reports and credit scores by insurers.."
)
Jacqueline DeMarcoFreelance Insurance Writer
13+ years writing insurance and personal finance content
Insurance, lending, and retirement expert
Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
Featured in
Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
Courtney MikulskiSenior Editor, Auto
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
Featured in
Daniel RoccatoAdvisor
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.