Best cheap car insurance in Gainesville for 2021

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According to Bankrate’s study of annual quoted premiums, car insurance in Gainesville, Florida, costs an average of $800 for minimum coverage and $1,782 for full coverage annually. While auto insurance in Gainesville is relatively expensive, there are several cheap car insurance companies in the city, such as State Farm and Geico, which provide affordable policies and plenty of discount opportunities to help you save.

Gainesville has just under 134,000 residents, and motorists are required by law to carry sufficient car insurance coverage. When shopping for cheap car insurance, keep in mind that aside from pricing, other important factors to look for are coverage options, financial stability, third-party ratings, and overall customer satisfaction.

Bankrate Insight
  • State Farm received the highest customer satisfaction scores from J.D. Power on our list, and also offers the cheapest average annual premiums on our list, at $577 for minimum coverage car insurance and $1,348 for full coverage.
  • Geico is the second cheapest car insurance company in Gainesville on our list, with annual premiums averaging $684 for minimum coverage auto insurance and $1,644 for full coverage.
  • The average car insurance cost in Gainesville is $800 for minimum coverage and $1,782 for full coverage.

Best car insurance companies in Gainesville

The best car insurance company in Gainesville will depend on each specific policyholder, but there are some companies that stand out. Based on data Bankrate pulled from Quadrant Information Services, along with coverage options, discounts, third-party ratings, financial stability and overall customer service, we pulled together our list of the best insurance companies in Gainesville. However, the factors that make one insurance company better than the others for a specific individual will be different, so there may be other providers that are better for you.

Insurance company J.D. Power 2021 auto insurance study score – Florida Average annual premium for minimum coverage Average annual premium for full coverage
State Farm 848 / 1,000 $577 $1,348
Geico 823 / 1,000 $684 $1,644
MetLife N/A $882 $2,052
Progressive 822 / 1,000 $976 $1,740

Quadrant Information Services, 2021

State Farm

State Farm is the largest provider of auto insurance in America. This strength is built on robust coverage options, including roadside assistance, rideshare coverage and car rental reimbursement. State Farm also scored well above the industry average in the 2021 J.D Power U.S. Auto Claims Satisfaction Study and has a financial strength rating of A++ from AM Best.

Learn more: State Farm Insurance Review

Geico

Geico boasts low rates in the Gainesville area and provides an extensive list of discount options to help policyholders save even more. Combine that with high customer service ratings from J.D. Power and Geico may be a good choice for your insurance needs. If you prefer to handle your policy yourself, Geico’s app offers the ability to view ID cards, pay bills, file a claim and request roadside assistance.

Learn more: Geico Insurance Review

MetLife

MetLife is a great option for Gainesville residents who want to save on their auto insurance by bundling their policies. MetLife says that drivers save an average of $562 per year by switching their insurance. Once you bundle, you will be able to access specialty coverage options, such as enhanced rental damage coverage and special parts replacement. Additionally, MetLife offers the MyJourney program to help identify and lessen the risks of distracted driving. It is important to note that MetLife auto and home insurance was recently acquired by Farmers and will likely soon be rebranded under that car insurance company’s name.

Learn more: MetLife Insurance Review

Progressive

A policy with Progressive comes with numerous perks. The company offers hefty online resources and a mobile app, as well as plenty of coverage choices and unique discounts, such as the Snapshot program. The company also provides customers with unique optional features, such as a deductible savings bank and custom parts coverage.

Learn more: Progressive Insurance Review

Cheapest car insurance in Gainesville

Florida is one of the most expensive states in the U.S. for auto insurance, with average annual rates of $1,101 for minimum coverage and $2,364 for full coverage. Fortunately, Gainesville is less expensive, with rates averaging $800 per year for minimum coverage and $1,782 per year for full coverage, although the city’s average rates are higher than the national average annual rates of $565 for minimum coverage and $1,674 for full coverage.

Because of the higher average rates in Florida, it may be important to you to find the best cheap insurance without sacrificing quality of coverage. The providers in the table below have both competitive rates and strong financial ratings — all the carriers have at least an A rating with AM Best.

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
State Farm $577 $1,348
Geico $684 $1,644
MetLife $882 $2,052
Progressive $976 $1,740
Allstate $978 $2,086

Price is not the only factor you may want to consider when shopping for car insurance. Customer service scores, financial strength ratings, available coverages and online or mobile tools may also be of importance to you. For example, State Farm and Allstate had the highest customer satisfaction ratings in the 2021 J.D. Power U.S. Auto Insurance Study for Florida.

Progressive stands out for having many optional coverage options, and State Farm is the largest car insurance provider in the United States. When searching for cheap car insurance, obtaining multiple quotes to compare prices, coverage options and other factors may be a good practice.

Gainesville insurance requirements

The state of Florida requires you to maintain minimum levels of coverage, including:

  • $10,000 bodily injury liability coverage per person
  • $20,000 bodily injury liability coverage per accident
  • $10,000 property damage liability coverage per accident
  • $10,000 personal injury protection (PIP) coverage per person

Although Florida does not require that the bodily injury liability coverage comes from insurance (you could show proof of a bond, for example, to satisfy the “financial responsibility law”), most insurance companies will likely include bodily injury liability in their policies. Obtaining the minimum levels of insurance listed above is generally the easiest way to make sure you are satisfying the legal requirements for coverage.

Florida is considered a no-fault state. This means you are required to carry PIP coverage, which covers medical bills and lost wages for you and your passengers in the event of an accident, no matter who is at fault.

If you choose minimum coverage, you may pay a lower premium, but the coverage may not be enough to pay for all of the damages of an at-fault accident. This means you could be left with out-of-pocket expenses. Additionally, if you lease or finance your car, your bank will usually require you to add collision and comprehensive coverage to your policy. Gainesville drivers may want to consult a licensed insurance professional when shopping for a policy, to help ensure that their coverage meets their needs.

Car insurance discounts in Gainesville

Although car insurance premiums in Gainesville are, on average, higher than in the rest of the U.S., you may be able to offset the cost with discounts. Most insurance carriers offer multiple discounts to help policyholders keep their insurance costs within their budgets. Common discounts include:

  • Policy bundling: If you have two or more policies with the same company, such as an auto insurance policy and a homeowners or renters insurance policy, you may qualify for a discount on both policies.
  • Defensive driving: You may be able to take an approved defensive driving course to earn a discount. Not every company offers this discount option, and if your company does, be sure to check that the course you have chosen is approved by your carrier before you enroll.
  • Telematics discount: This type of discount requires you to use an app or plug-in device to record your driving habits. Not all carriers have telematics discounts, but if yours does, it could save you money if you are a safe driver.
  • Safety features: If your car is equipped with safety features such as airbags, anti-lock brakes or an anti-theft system, then you might save on your premium.

Frequently asked questions

What is the best car insurance company?

A good way to determine the best car insurance company for your needs is to compare several carriers. Using factors such as customer service reviews, average rates, financial strength and discount offerings may help to guide your search. Every driver brings a unique set of circumstances to insurance, so the best car insurance company will depend on your specific situation.

How much does car insurance in Gainesville cost?

The average car insurance premium in Gainesville is $800 annually for minimum coverage and $1,782 annually for full coverage. However, premiums will vary depending on your personal factors. Your age, driving record, vehicle, credit score and coverage choices all impact your rates, along with your specific zip code.

What are the penalties for driving uninsured in Gainesville?

Driving without insurance is a misdemeanor anywhere in the state of Florida. If caught, failure to show proof of coverage can trigger penalties such as monetary fines, license suspension or jail time, depending on the number of infractions.

Methodology

Bankrate utilizes Quadrant Information Services to analyze rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2018 Honda Accord, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

Written by
Sara Coleman
Insurance Contributor
Sara Coleman has three years of experience in writing for insurance domains such as Bankrate, The Simple Dollar, Reviews.com, Coverage.com and numerous other personal finance sites. She writes about insurance products such as auto, homeowners, renters and disability.
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