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Get Cheap Car Insurance in Gainesville, TX
We monitor insurance prices, helping the average driver in Gainesville save up to 34.2% 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 Clearcover, followed by Mile Auto, Progressive, and State Farm.
| Gainesville Insurer | Monthly Cost |
|---|---|
| Clearcover | $46 |
| Mile Auto | $60 |
| Progressive | $62 |
| State Farm | $67 |
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 $365 per year by choosing the right vehicle insurance company. Some Gainesville residents are paying out over $1,776 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, TX Savings / Yr. |
|---|---|
$365 |
|
$836 |
|
$737 |
|
$844 |
|
$1,285 |
|
$485 |
|
$531 |
Gainesville Car Insurance vs. Texas
People living in Gainesville pay an average of 9.13% less than the typical driver in the state. The average driver in Gainesville can expect to pay about $1,058 per year, or $1,776 for full coverage.
Based on our analysis, State Farm 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 $324 per year within the city boundaries, with insurance premiums ranging from a high of $1,951 to a low of $1,627. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the South 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, State Farm is the best option, with annual savings of $365 over the average Gainesville car insurance company.
The best car insurance provider for Gainesville drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $836 over the competition.
The best car insurance company for Gainesville drivers with speeding tickets
>Mile Auto gave the average person with a speeding ticket the most savings, averaging $737 better than other car insurance companies.
The best auto insurance for Gainesville drivers with a DUI conviction
Getting a quote from Mile Auto may cost the average person with a DUI about $844 less each year.
The least expensive car insurance company for new and young drivers in Gainesville
In Gainesville, State Farm costs young drivers $1,285 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Gainesville
State Farm gave the largest car insurance discounts to married couples, averaging $485 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 State Farm for pricing. The average Gainesville driver can expect to pay about $129 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 drivers with a DUI conviction, good drivers, married couples, drivers with accidents, young drivers, drivers with speeding tickets, and drivers with bad credit.Auto Insurance Prices in and Around Gainesville
What Influences the Cost of Car Insurance in Gainesville?
On average, car insurance in Gainesville is actually less expensive than the rest of the state. These low 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 28 minutes, which is a little less than average for a driver in the state.
- Texas 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 lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of A- 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 $88 per month for minimum coverage and $148 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
- Oak Ridge: Insurance costs 0.73% less
- Lindsay: Insurance costs 2.03% less
- Dexter: Insurance costs 0.39% less
- Callisburg: Insurance costs 0.68% less
- Lake Kiowa: Insurance costs 5.69% less
- Woodbine: Insurance costs 1.18% less
- Whitesboro: Insurance costs 0.68% less
- Thackerville: Insurance costs 10.19% less
- Myra: Insurance costs 2.42% less
- Sturgeon: Insurance costs 0.68% more
Cities with Similar Populations
- Selma: Insurance costs 6.25% less
- Gardner: Insurance costs 11.94% less
- Gettysburg: Insurance costs 27.76% less
- Goodlettsville: Insurance costs 18.47% less
- Green Valley: Insurance costs 7.94% less
- Groveland: Insurance costs 39.41% more
- Harrisburg: Insurance costs 24.72% less
- Harrison: Insurance costs 7.83% less
- Hingham: Insurance costs 3.89% less
- Scotch Plains: Insurance costs 8.22% more