Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.

Get Cheap Car Insurance in Gateway, FL

We monitor insurance prices, helping the average driver in Gateway save up to 34.6% on car insurance.

 

Start Saving

;

The Cheapest Minimum Coverage in Gateway

The chart below shows the cheapest car insurance company in Gateway 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 Geico, followed by State Farm, Gainsco, and Bristol West.

 
Gateway Insurer Monthly Cost
Geico $119
State Farm $126
Gainsco $165
Bristol West $165

Savings for Every Kind of Gateway Driver

The table shows how much the average auto insurance customer in Gateway might save by following our recommendations.

Based on our extensive insurance data, we know the average Gateway driver will save about 29% 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 $731 per year by choosing the right vehicle insurance company. Some Gateway residents are paying out over $2,499 extra every year for auto insurance in Gateway. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Gateway, FL Savings / Yr.
Drivers with good records
$731
Drivers with accidents
$1,074
Drivers with speeding tickets
$826
Drivers with a DUI conviction
$817
Young drivers
$2,596
Married drivers
$709
Drivers with bad credit
$1,034

Gateway Car Insurance vs. Florida

People living in Gateway pay an average of 5.41% less than the typical driver in the state. The average driver in Gateway can expect to pay about $2,281 per year, or $2,499 for full coverage.

Based on our analysis, Geico will be the cheapest provider in Gateway for most people.

Car Insurance Prices by Gateway Neighborhood

Gateway, FL map of insurance costs by zip code and neighborhood

Insurance Prices

More expensive
Average
Less expensive

Where is insurance cheapest within Gateway?

The map shows insurance prices in and around Gateway, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $431 per year within the city boundaries, with insurance premiums ranging from a high of $2,732 to a low of $2,301. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the Southwest parts of Gateway.

Pick the Best Car Insurance Company for You in Gateway

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Gateway insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Gateway

For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $731 over the average Gateway car insurance company.

Visit Site

We use the average good driver, paying $147 per month, as our baseline for pricing in Gateway. State Farm, Geico, and Travelers are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Gateway drivers with accidents on their records

In Gateway getting into an accident will raise premiums an average 28% for a yearly cost of $3,470. That's $970 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Geico, and Travelers are good choices for drivers with accidents.

In our analysis, Geico saved the average person who had been in an accident the most, with annual savings averaging $1,074 over the competition.

Visit Site

The best car insurance company for Gateway drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $826 better than other car insurance companies.

Visit Site

Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Gateway, tickets raise premiums on new quotes about $696. If you have a speeding ticket, we recommend State Farm, Geico, and Gainsco for savings that beat the average insurance cost of $3,195 per year.

The best auto insurance for Gateway drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,411 per year in auto insurance premiums, which was $912 more than a driver with no major issues. State Farm, Geico, and Safeco Insurance penalized their customers the least for a DUI.

Getting a quote from Geico may cost the average person with a DUI about $817 less each year.

Visit Site

The least expensive car insurance company for new and young drivers in Gateway

In Gateway, Geico costs young drivers $2,596 less each year versus the average auto insurance bill.

Visit Site

Teen drivers account for more than their share of accidents, and thus end up paying about 67% more for insurance than more mature drivers in Gateway. With an average cost of $7,499 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Travelers try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Gateway

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $176. State Farm, Geico, and Progressive provided the largest discounts to couples living in Gateway.

Geico gave the largest car insurance discounts to married couples, averaging $709 saved each year compared to an average Gateway couple's premiums.

Visit Site

The cheapest car insurance in Gateway for drivers with bad credit

People with poor credit saved an average of $1,034 with Geico.

Visit Site

Many people are surprised that their poor credit score can cost them an average of $1,195 every year. Premiums for people with poor credit were about $3,694 in Gateway. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from State Farm, Geico, and Gainsco.

The best Gateway car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Gateway, the National Association of Insurance Commissioners (NAIC) ranks Allstate as the best. Another valuable metric: JD Power ranks State Farm as the best provider in Gateway.

Allstate was the best company for customer service in Gateway according to the NAIC.

Visit Site

Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Gateway, which was better than other insurers.

Visit Site

During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Gateway. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Gateway

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 17% of Gateway residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Geico tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Gateway driver can expect to pay about $156 per month.

Visit Site

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 Gateway, USAA has the best prices for good drivers, drivers with accidents, and drivers with speeding tickets.
Get USAA (An excellent choice if you qualify)

Auto Insurance Prices in and Around Gateway

What Influences the Cost of Car Insurance in Gateway?

On average, car insurance in Gateway 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 Gateway is 31 minutes, which is a little less than average for a driver in the state.
  • Florida state insurance regulations may require higher prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Gateway are higher than 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 B+ according to CrimeGrade.org.
  • Gateway 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 Gateway is $190 per month for minimum coverage and $208 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

Cities with Similar Populations

* Who is the average Gateway driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Gateway with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.