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Get Cheap Car Insurance in Gainesville, VA
We monitor insurance prices, helping the average driver in Gainesville save up to 38.8% 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 Metromile, followed by Geico, Farm Bureau, and Safeco Insurance.
| Gainesville Insurer | Monthly Cost |
|---|---|
| Metromile | $47 |
| Geico | $53 |
| Farm Bureau | $56 |
| Safeco Insurance | $59 |
Savings for Every Kind of Gainesville Driver
Based on our extensive insurance data, we know the average Gainesville driver will save about 38% 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 $490 per year by choosing the right vehicle insurance company. Some Gainesville residents are paying out over $1,299 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, VA Savings / Yr. |
|---|---|
$490 |
|
$836 |
|
$715 |
|
$699 |
|
$1,144 |
|
$262 |
|
$472 |
Gainesville Car Insurance vs. Virginia
People living in Gainesville pay an average of 6.94% more than the typical driver in the state. The average driver in Gainesville can expect to pay about $899 per year, or $1,299 for full coverage.
Based on our analysis, Metromile 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 $136 per year within the city boundaries, with insurance premiums ranging from a high of $1,335 to a low of $1,199. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the Southeast 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, Metromile is the best option, with annual savings of $490 over the average Gainesville car insurance company.
The best car insurance provider for Gainesville drivers with accidents on their records
In our analysis, Metromile 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
>Metromile gave the average person with a speeding ticket the most savings, averaging $715 better than other car insurance companies.
The best auto insurance for Gainesville drivers with a DUI conviction
Getting a quote from Farm Bureau may cost the average person with a DUI about $699 less each year.
The least expensive car insurance company for new and young drivers in Gainesville
In Gainesville, Erie Insurance costs young drivers $1,144 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 $262 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 Geico for pricing. The average Gainesville driver can expect to pay about $89 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 young drivers, drivers with accidents, drivers with bad credit, married couples, drivers with speeding tickets, drivers with a DUI conviction, and good 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 48 minutes, which is far more than average for a driver in the state.
- Virginia state insurance regulations may allow for lower prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Gainesville are higher than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of C+ according to CrimeGrade.org.
- Gainesville is one of the least populated areas in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Gainesville is $75 per month for minimum coverage and $108 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
- Haymarket: Insurance costs 1.54% less
- Buckland: Insurance costs 4.31% less
- Linton Hall: Insurance costs 0.46% more
- Greenwich: Insurance costs 6.54% less
- Bull Run: Insurance costs 6.54% more
- Broad Run: Insurance costs 6.24% less
- New Baltimore: Insurance costs 5.39% less
- Sudley: Insurance costs 3.62% more
- Catharpin: Insurance costs 1.39% less
- Bristow: Insurance costs 4.62% less
Cities with Similar Populations
- Agawam Town: Insurance costs 17.09% more
- Shelbyville: Insurance costs 62.82% more
- Seymour: Insurance costs 10.55% less
- Severna Park: Insurance costs 41.11% more
- Sequim: Insurance costs 2.08% more
- Selma: Insurance costs 62.12% more
- Schererville: Insurance costs 2.85% less
- Scaggsville: Insurance costs 54.97% more
- Saugus: Insurance costs 35.57% more
- Rockville Centre: Insurance costs 123.25% more