If college football and sunshine are your thing, you can find both in Gainesville, Florida. However, if you are looking for the best cheap auto insurance in Gainesville, it will take a little more research. With average auto insurance rates of $ 800 per year for minimum coverage and $ 1,782 per year for fully comprehensive insurance, it is advisable to compare multiple providers to find the best policy for you.
Gainesville is a city of just under 134,000 inhabitants. All Gainesville residents who own a car are required by law to purchase auto insurance, so finding the best policy is important. Bankrate scanned several providers based on financial ratings, customer satisfaction ratings, coverage options and availability of discounts, as well as average premiums to find the best cheap auto insurance in Gainesville.
The best auto insurance in Gainesville
The best car insurance in Gainesville depends on each individual policyholder, but there are a few companies that stand out. A combination of competitive rates, a variety of insurance options, multiple discounts, and good customer service and financial strength ratings make these four companies a great place to start your auto insurance search.
| insurance company | JD power score (Florida) |
Average annual premium for minimum coverage | Average annual premium for fully comprehensive insurance |
|---|---|---|---|
| District farm | 826/100 | $ 577 | $ 1,348 |
| Geico | 846/100 | $ 684 | $ 1,644 |
| MetLife | 821/100 | $ 882 | $ 2,052 |
| Progressive | 834/100 | $ 976 | $ 1,740 |
Quadrant Information Services, 2020
District farm
State Farm is the largest provider auto insurance in America. This strength builds on robustness Coverage optionsincluding roadside assistance, ridesharing and rental car refunds. State Farm has also outperformed the industry average over the years JD Power US Auto Damage Satisfaction Study 2020 and has a financial strength rating of A ++ from AM Best.
Geico
Geico offers low prices in the Gainesville area and has an extensive list of Discount options to help policyholders save even more. Combine that with the high customer service ratings from JD Power and Geico can be a great choice for your insurance needs. If you prefer to manage your policy yourself, Geicos app offers the opportunity to view ID cards, pay bills, submit a claim and request breakdown assistance.
MetLife
MetLife is a great option for Gainesville residents looking to save on their auto insurance by bundling their policies. MetLife says that driver is one. save up average of $ 562 per year by changing their insurance. Once you’ve bundled the package, you can access special insurance options such as: In addition, MetLife offers the MyJourney program to help identify and reduce the risks of distracted driving.
Progressive
There are many benefits to having a progressive policy. The company offers extensive online resources and a mobile app, as well as numerous coverage options and unique Discountslike that Snapshot program. The company also offers its customers unique optional functions, such as a deductible from the Sparkasse and customer-specific parts insurance.
Cheapest auto insurance in Gainesville
Florida is one of the most expensive states in the US for auto insurance with average annual rates of $ 1,101 for minimum coverage and $ 2,364 for full coverage. Fortunately, Gainesville is cheaper, averaging $ 800 per year for minimum coverage and $ 1,782 per year for full coverage.
Because of the higher average prices in Florida, it can be important for you to find the best and cheapest insurance without sacrificing the quality of the insurance cover. The providers in the table below have both competitive fares and strong financial ratings – all airlines have at least an A rating Preferably.
| insurance company | Average annual premium for minimum coverage | Average annual premium for fully comprehensive insurance |
|---|---|---|
| District farm | $ 577 | $ 1,348 |
| Geico | $ 684 | $ 1,644 |
| MetLife | $ 882 | $ 2,052 |
| Progressive | $ 976 | $ 1,740 |
| Allstate | $ 978 | $ 2,086 |
Price isn’t the only factor to consider when buying auto insurance. Customer service scores, financial strength ratings, available coverage, and online or mobile tools can also be important to you. For example, Allstate and Geico had the highest customer satisfaction ratings in the JD Power US Auto Insurance Study 2020 for Florida. Progressive has many optional insurance options, and State Farm is the largest auto insurance provider in the United States. When looking for cheap auto insurance, it can be useful to get multiple quotes to compare prices, insurance options, and other factors.
Gainesville Insurance Terms
The state of Florida requires you to Minimum coverage ratioincluding:
- $ 10,000 liability insurance per person
- $ 20,000 personal injury liability insurance per accident
- $ 10,000 property damage liability insurance per accident
- $ 10,000 Personal Injury Protection (PIP) per person
Although Florida doesn’t require that Personal Injury Cover originated from an insurance company (for example, you could provide proof of a surety to comply with the “Financial Responsibility Act”), most insurance companies are likely to include personal injury in their policies. Getting the minimum amounts insured above is usually the easiest way to ensure that you meet the legal requirements for coverage.
Florida is considered to be error-free condition. That means that you have to take along PIP coveragewhich covers medical bills and lost wages for you and your passengers in the event of an accident, regardless of guilt.
If you choose minimum coverage, you may pay a lower premium, but coverage may not be sufficient to cover all damage from a culpable accident. This means that you can stay with expenses. When you lease or finance your car, your bank usually requires you to add collision and fully comprehensive insurance to your policy. Gainesville drivers should consult a licensed insurance professional when purchasing a policy to ensure that their coverage meets their needs.
Auto Insurance Discounts in Gainesville
Although Gainesville auto insurance rates are higher on average than the rest of the US, discounts may help offset the cost. Most insurance carriers offer several discounts to help policyholders keep their insurance costs within their budget. Common discounts include:
- Bundling of guidelines: If you have two or more policies with the same company, such as For example, if you have car insurance and home or renters insurance, you may be eligible for a discount on both policies.
- Defensive driving: You may be able to take an accredited defensive driving course for a discount. Not every company offers this discount option, and if your company does, make sure the course you choose has been approved by your provider before signing up.
- Telematics discount: This type of discount requires that you use an app or plug-in device to record your driving behavior. Not all freight forwarders have telematics discounts, but doing so can save you money being a safe driver.
- Safety devices: If your car is equipped with safety features such as airbags, anti-lock braking systems or theft protection, you can save your premium.
frequently asked Questions
What is the best car insurance?
A great way to determine who best car insurance for your needs is to compare multiple carriers. Using factors like customer service ratings, average prices, financial strength, and discount offers can help you find it. Each driver brings a unique set of circumstances into insurance, so the best auto insurance company will depend on your specific situation.
How much does car insurance cost in Gainesville?
The average auto insurance premium in Gainesville is $ 800 per year for minimum coverage and $ 1,782 per year for full coverage. However, the rewards depend on your personal factors. Your age, driver’s license, vehicle, credit rating, and insurance options, along with your specific zip code, will all affect your tariffs.
methodology
Bankrate uses Quadrant Information Services to analyze rates for all zip codes and airlines in all 50 states and Washington, DC. The stated tariffs are based on a 40-year-old driver with a clean driver’s license, good credit rating and the following full coverage limits:
- $ 100,000 liability per person
- $ 300,000 liability per accident
- $ 50,000 property damage liability per accident
- $ 100,000 personal injury from an uninsured motorist per person
- $ 300,000 personal injury to an uninsured driver per accident
- $ 500 deductible in case of collision
- $ 500 deductible
To set the minimum coverage limits, Bankrate used minimum coverage that meets the requirements of each state. Our example drivers own a 2018 Honda Accord, commute five days a week, and drive 12,000 miles a year.
These are sample rates and should only be used for comparison purposes. Your quotes can be different.
