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Get Cheap Car Insurance in Gainesville, GA
We monitor insurance prices, helping the average driver in Gainesville save up to 33.4% on car insurance.
The Cheapest Minimum Coverage in Gainesville
The chart below shows the cheapest car insurance company in Gainesville for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Travelers, followed by Farm Bureau, State Farm, and Progressive.
| Gainesville Insurer | Monthly Cost |
|---|---|
| Travelers | $80 |
| Farm Bureau | $83 |
| State Farm | $91 |
| Progressive | $98 |
Savings for Every Kind of Gainesville Driver
Based on our extensive insurance data, we know the average Gainesville driver will save about 21% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $381 per year by choosing the right vehicle insurance company. Some Gainesville residents are paying out over $1,831 extra every year for auto insurance in Gainesville. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Gainesville, GA Savings / Yr. |
|---|---|
$381 |
|
$811 |
|
$559 |
|
$765 |
|
$2,230 |
|
$184 |
|
$787 |
Gainesville Car Insurance vs. Georgia
People living in Gainesville pay an average of 3.41% more than the typical driver in the state. The average driver in Gainesville can expect to pay about $1,218 per year, or $1,831 for full coverage.
Based on our analysis, Travelers will be the cheapest provider in Gainesville for most people.
Car Insurance Prices by Gainesville Neighborhood
Insurance Prices
Where is insurance cheapest within Gainesville?
The map shows insurance prices in and around Gainesville, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $410 per year within the city boundaries, with insurance premiums ranging from a high of $2,129 to a low of $1,719. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the Northwest parts of Gainesville.Pick the Best Car Insurance Company for You in Gainesville
The best car insurance provider for most drivers in Gainesville
For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $381 over the average Gainesville car insurance company.
The best car insurance provider for Gainesville drivers with accidents on their records
In our analysis, Travelers saved the average person who had been in an accident the most, with annual savings averaging $811 over the competition.
The best car insurance company for Gainesville drivers with speeding tickets
>Travelers gave the average person with a speeding ticket the most savings, averaging $559 better than other car insurance companies.
The best auto insurance for Gainesville drivers with a DUI conviction
Getting a quote from Travelers may cost the average person with a DUI about $765 less each year.
The least expensive car insurance company for new and young drivers in Gainesville
In Gainesville, Auto-Owners Insurance costs young drivers $2,230 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Gainesville
Farm Bureau gave the largest car insurance discounts to married couples, averaging $184 saved each year compared to an average Gainesville couple's premiums.
The cheapest car insurance in Gainesville for drivers with bad credit
The best Gainesville car insurance company for customer service
Nationwide was the best company for customer service in Gainesville according to the NAIC.
Recent price drops
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The cheapest large national provider in Gainesville
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Gainesville driver can expect to pay about $117 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Gainesville, USAA has the best prices for married couples, drivers with bad credit, drivers with speeding tickets, drivers with accidents, drivers with a DUI conviction, good drivers, and young drivers.Auto Insurance Prices in and Around Gainesville
What Influences the Cost of Car Insurance in Gainesville?
On average, car insurance in Gainesville is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Gainesville is 33 minutes, which is about the national average for a driver in the state.
- Georgia state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Gainesville are about average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of C- according to CrimeGrade.org.
- Gainesville is a fairly densely populated area in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Gainesville is $102 per month for minimum coverage and $153 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Oakwood: Insurance costs 0.87% less
- Sunset Heights: Insurance costs 6.06% less
- White Sulphur: Insurance costs 3.17% less
- Chestatee: Insurance costs 1.53% less
- Flowery Branch: Insurance costs 1.97% less
- Talmo: Insurance costs 3.66% less
- Gillsville: Insurance costs 3.66% less
- Braselton: Insurance costs the same
- Lula: Insurance costs 5.08% less
- Pendergrass: Insurance costs 3.22% less
Cities with Similar Populations
- Paterson: Insurance costs 25.34% more
- Parma: Insurance costs 37.74% less
- Parker: Insurance costs 7.65% more
- Pittsburg: Insurance costs 23.87% more
- Plantation: Insurance costs 69.20% more
- Pearland: Insurance costs 1.47% more
- Perris: Insurance costs 21.46% more
- Plant City: Insurance costs 48.55% more
- Plainfield: Insurance costs 14.31% less
- Pomona: Insurance costs 24.63% more