Gainesville, FL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Gainesville, FL, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Factors that can influence the cost of car insurance in Gainesville, FL are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Gainesville, FL Auto Insurance Rates
- Gainesville, FL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Gainesville, FL
- Multi Vehicle Insurance Savings in Gainesville, FL
- How Credit Score Affects Car Insurance Rates in Gainesville, FL
- How DUI Affects Auto Insurance Premiums in Gainesville, FL
- Top Auto Insurance Agents Near Gainesville, FL
- How Driving Violations Affect Auto Insurance Rates in Gainesville, FL
- Gainesville, FL Auto Insurance Discounts on Anti Theft Feature
- Gainesville, FL Auto Insurance Company Reviews
Gainesville, FL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Gainesville, FL with that of other cities in and around Gainesville.
| Gainesville | Micanopy | Newberry-Archer | Archer | Alachua County | Alachua | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,100 | $2,207 | $2,195 | $2,125 | $1,386 | $2,142 |
Gainesville, FL Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Gainesville, FL based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Gainesville | $952 | $804 |
| Alachua County | $1,327 | $1,121 |
| Micanopy | $1,518 | $1,282 |
| Alachua | $1,557 | $1,315 |
| Newberry-Archer | $1,858 | $1,569 |
| Archer | $1,061 | $896 |
| Waldo | $2,000 | $1,690 |
| Newberry | $1,019 | $860 |
Gainesville, FL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Gainesville, FL usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $3,569 |
| 20 Years | $1,413 |
| 30 Years | $1,089 |
| 40 Years | $1,047 |
| 50 Years | $970 |
| 60 Years | $983 |
| 70 Years | $1,145 |
Gainesville, FL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Gainesville, FL can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $1,870 | $330 |
| 3 Vehicles | $2,805 | $495 |
| 4 Vehicles | $3,740 | $660 |
Savings on 2 Vehicles bundle:$330
Savings on 3 Vehicles bundle:$495
Savings on 4 Vehicles bundle:$660
Gainesville, FL Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Gainesville, FL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Gainesville | $1,100 | $1,722 |
| Alachua County | $1,386 | $2,169 |
| Micanopy | $2,207 | $3,454 |
| Alachua | $2,142 | $3,352 |
| Newberry-Archer | $2,195 | $3,435 |
| Archer | $2,125 | $3,326 |
| Waldo | $2,100 | $3,287 |
| Newberry | $2,138 | $3,346 |
Gainesville, FL Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $944 |
| Excellent (740-799) | $1,077 |
| Good (670-739) | $1,146 |
| Average (580-669) | $1,495 |
| Poor (300-579) | $1,794 |
Gainesville, FL Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Tish Oleksy | State Farm | 4960 W Newberry Rd Ste 260, Gainesville, 32607-2201 | 352-336-8474 |
| Judy Locascio | Allstate | 4056 W Newberry Rd, Gainesville, 32607 | (352) 335-2505 |
| Sunshine State Insurance | None | 1111 Nw 23Rd Ave, Gainesville, 32609 | (352) 559-8309 |
| Willis Of Florida, Inc. | None | 4880 Newberry Rd Ste 100 Gainesville, City of Gainesville Municipal Boundaries, 32607 | None |
| Peninsula Underwriters Insurance Agency | None | 301 Nw 138Th Terrace , Newberry, 32669 | None |
| Aubrey Rogers Insurance Agency, Inc. | None | 2400 Nw 6Th St, Gainesville, 32609 | None |
| Davis Insurance Agency, Inc. | None | 1251 Ne 2Nd St, Ocala, 34470 | None |
| Mickey Rawls | Allstate | 1410 NW 13th St Ste 9, Gainesville, 32601 | (352) 377-5511 |
| Len Lewis | Allstate | 1831 Golden Eagle Way 30, Fleming Island, 32003 | (904) 297-1720 |
| South Marion Insurance Agency | None | 5713 Se Abshier Blvd, Belleview, 34420 | None |
Gainesville, FL Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$48 | $1,148 |
| Driver's Failure In Showing Documents | +$107 | $1,207 |
| Driving With An Expired Registration | +$113 | $1,213 |
| Driving At A Considerably Slow Pace | +$239 | $1,339 |
| Using A Cellphone While Driving | +$252 | $1,352 |
| Running A Red Light | +$256 | $1,356 |
| Speeding | +$270 | $1,370 |
| Driving A Vehicle Without The Required Permission | +$342 | $1,442 |
| Driving With An Expired/Suspended License | +$741 | $1,841 |
Gainesville, FL Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,056 |
| Active Disabling Device | $1,056 |
| Tracking Device | $1,034 |
| Passive Disabling Device | $1,023 |
Latest Auto Insurance Reviews in Gainesville, FL | Back to Top
UsaaThey seem to be a good, honest company that values its customers. Their plans are numerous and varied enough to meet just about any need, and the cost to the insured is minimal.
GeicoI would recommend Geico because you don't have to call or drive to the business to get insurance on your car very easy to get it done and not time consuming.
ProgressiveThe policy offers roadside assistance, 24 hour service and it has an app. All great features that a lot of insurance companies do not offer.
UsaaI have never had to use my car insurance and so don't have a lot of experience with them but customer service is always very polite and helpful with USAA no complaints there.
Safeco InsuranceI have been somewhat satisfied with our car insurance carrier. The only reason I say somewhat is because we added another vehicle to the plan and the premiums went up more than I expected. I understand why, but I didn't expect it to change as much as it did.
Safeco InsuranceI have been somewhat satisfied with our car insurance carrier. The only reason I say somewhat is because we added another vehicle to the plan and the premiums went up more than I expected. I understand why, but I didn't expect it to change as much as it did.
Allstatethe services are great i have yet to deal with a rude agent, they come straight to my home whenever a claim i smade which i respect
MercuryIt's hard to say since I have had no accidents and haven't needed to use them. I would hope the service would be good but as of yet I don't know.
GeicoIt would be nice if there was an office or actual person to talk to in town rather than all interaction be online or on the phone.
State FarmMy company has pretty bad customer support. It's rare im available to speak to someone I need to in a timely manner
Geicocurrently with Geico. So far they have done a pretty good job and they did not kick me off when i placed a claim like the other companies have.
State FarmGreat customer service, mobile site is efficient enough to make changes easily. Has been around for a long time so no fear of it going the way of the dinosaur anytime soon.
United Automobile InsuranceI don't like much at all about my current insurance. It's hard to get through to them and when I do the person's accent is so hispanic I could hardly make out what they are saying.
GeicoPrices, coverage, accessibility.