Table of Contents
- Cheapest Car Insurance Companies in Gainesville by Category
- How to Get Cheap Car Insurance in Gainesville
- Cheap Car Insurance in Gainesville FAQ
Cheapest Car Insurance in Gainesville for Good Drivers
Good drivers are drivers who haven’t had an accident and who don’t have any moving violations on their record. Good drivers pay significantly less for insurance than bad drivers do, and they can often qualify for additional discounts from their insurance company just for having a clean record.
Cheapest Car Insurance in Gainesville for Full Coverage
Full coverage policies go beyond the state minimum requirements and typically include comprehensive and collision insurance. Because full coverage can protect you in more situations, it costs much more than a minimum coverage policy.
Cheapest Car Insurance in Gainesville After a Ticket
Most drivers will see their rates increase for an average of 3 to 5 years after a speeding ticket. Each insurance company calculates their rates differently, though, so you should always compare quotes from several different insurers, especially if you have speeding tickets on your record.
Cheapest Car Insurance in Gainesville for Drivers with a DUI
DUI convictions always result in more expensive rates since drivers with DUIs are classified as high-risk. A DUI in Gainesville can increase a driver’s rate by an average of 93% so shopping around for coverage is the best way to make sure you find affordable coverage.
Cheapest Car Insurance in Gainesville for Drivers with Poor Credit
A
low credit score can be a red flag to insurers, indicating that a driver may be at a higher risk of filing a claim. However, every insurance company calculates premiums differently, and some may not consider credit as strongly as others. Comparing quotes from several insurers can help you make sure you aren’t overpaying just because of your credit score.
Cheapest Car Insurance in Gainesville for Drivers with One At-Fault Accident
Even just one at-fault accident can cause your insurance rates to skyrocket for an average of 3 to 5 years. You may be considered
high-risk after your accident, so comparing quotes is an important step to make sure you’re getting the best deal possible.
Cheapest Car Insurance in Gainesville for Young Drivers
Young drivers have less experience and may be considered high-risk by their insurance company until they have a few years of driving under their belt. Luckily, each year of driving experience usually results in a lower rate, with a big decrease in cost once drivers turn 25 years old.
Cheapest Car Insurance in Gainesville for Older Drivers
More experienced drivers usually pay less for car insurance than teens and young adults. However, once a driver gets into their senior years, they will see their rates begin to increase again. The best way for older drivers to make sure they’re getting a good deal is to compare rates from several insurers.
Cheapest Car Insurance in Gainesville for Married Drivers
In general, married drivers pay less for car insurance than single drivers because insurance companies consider married drivers to be less risky. Studies have shown that married drivers tend to file fewer claims and are involved in fewer accidents than single drivers.
Tips for Getting Cheap Car Insurance in Gainesville
1. Compare quotes from both national and regional insurers
Don’t forget to look at smaller and local insurers when shopping around for coverage. In Gainesville, smaller insurance companies like Central Mutual and Georgia Farm Bureau Insurance may offer lower rates than the larger, national companies such as The General and GAINSCO.
2. Know the factors that affect insurance in Gainesville
Although your driving habits and
claims history can have a big impact on how much you pay for car insurance, other
factors are also considered, such as marital status, age, the type of vehicle you drive, and your annual mileage.
3. Maintain continuous coverage
Any lapse in coverage can have a serious impact on your rates. Maintaining continuous coverage, even
if you don’t own a car, can help keep your rates low for the long term.
4. Choose the coverage that is right for you
You’ll need at least liability insurance in Gainesville to make sure you can pay for other drivers’ medical expenses and property damage if you cause an accident. However, you should still consider optional
types of coverage such as collision and comprehensive if you know you can’t afford repairs out of pocket.
5. Look for discounts
Car insurance companies in Gainesville offer a wide range of discounts for things like having safety features on your vehicle, being a homeowner, or paying for your policy in full up front. Taking advantage of every available discount can help you save a lot of money on your premiums.
6. Try usage-based insurance
Drivers with low annual mileage can potentially save a lot with usage-based insurance. Just make sure you’re comfortable having your driving habits monitored.
Methodology
WalletHub’s analysis of cheap car insurance companies in Gainesville is based on data from the Georgia DMV and Quadrant Information Services. Together with that data, WalletHub used the characteristics listed below to create 40 different driver profiles designed to identify the cheapest car insurance companies for Gainesville drivers in a collection of key categories. For each profile, WalletHub compared quotes among top Gainesville car insurance companies by averaging premiums from 52 zip codes that represent at least 20% of Gainesville's population.
In the table below, you can see all of the profile characteristics that were used in WalletHub’s analysis, in addition to the specific subset of characteristics that make up our Good Driver profile.
| Category |
All Profile Characteristics |
Good Driver Profile |
| Gender |
Male, Female |
Male |
| Age |
16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 35, 45, 55, 65 |
45 |
| Marital Status |
Single, Married |
Single |
| Teenage Driver Included on Policy |
No, Yes |
No |
| Driving Record |
Clean, One Speeding Ticket, One At-Fault Accident, One DUI, Suspended License, Open Container, Red Light Infraction, Reckless Driving, One Not At-Fault Accident |
Clean |
| Miles Driven Per Year |
7,500 Miles, 15,000 Miles, 20,000 Miles |
15,000 Miles |
| Coverage Level |
Minimum, Standard, Full |
Minimum |
| Discounts |
None, Multi-Policy, Homeowner, Student |
None |
| Credit Level |
Poor, Good |
Good |
| Filings |
None, SR22, FR44 |
None |
| Car |
Sedan, Minivan, SUV, Coupe, Truck |
Sedan |
Below are additional details regarding the terminology and specific characteristics of the variables in the above table:
- Minimum Coverage: Coverage requirements of $15,000 in bodily injury liability per person, $30,000 in bodily injury liability per accident, and $5,000 in property damage liability, as required by Gainesville's minimum coverage requirements.
- Standard Coverage: Coverage levels of 50k/100k/25k of liability coverage and 50k/100k/25k of uninsured motorist coverage.
- Full Coverage: Coverage levels of 100k/300k/50k of liability coverage, 100k/300k/50k of uninsured motorist coverage, and collision and comprehensive coverage with a $500 deductible.
- Sedan: 2018 Toyota Camry.
- Minivan: 2018 Dodge Grand Caravan.
- SUV: 2018 Toyota RAV4.
- Coupe: 2018 Ford Mustang.
- Truck: 2018 Ford F-150.
Where driver profiles are not specified, WalletHub averaged Gainesville insurance quotes across 40 different driver profiles, using the above variables. Quote information is from Quadrant Information Services and is representative only. Individual rates will be different.
