Compared to Florida’s major cities, Gainesville can be an easy, scenic drive with its gridded streets and tree-lined avenues. Whether you’re exploring natural wonders around Payne’s Prairie or beelining straight to the Swamp, it’s wise to carry quality car insurance.
We’ve gathered data from Jerry customers in Gainesville to give you a sense of what pricing to expect when buying a car insurance policy. Rates can vary based on your age, driving history and coverage needs.
More: Best car insurance in Florida
Cheapest minimum coverage insurance in Gainesville
Here are the cheapest car insurance quotes for minimum coverage in Gainesville, based on Jerry’s data.
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Monthly Quote
|
Annual Quote
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Insurance Company
|
Age
|
Date of Quote
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City, State
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ZIP Code
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|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
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|---|---|---|---|---|---|---|
| $35 | $416 | 38 | 06/17/25 | 32608 | ||
| $35 | $424 | 65 | 06/09/25 | 32605 | ||
| $39 | $462 | 40 | 06/20/25 | 32641 | ||
| $40 | $474 | 36 | 09/06/25 | 32608 | ||
| $41 | $490 | 30 | 08/03/25 | 32608 | ||
| $41 | $494 | 43 | 06/21/25 | 32603 | ||
| $42 | $502 | 60 | 07/26/25 | 32608 | ||
| $43 | $516 | 62 | 08/05/25 | 32608 | ||
| $44 | $524 | 42 | 06/21/25 | 32653 | ||
| $44 | $526 | 61 | 10/09/25 | 32607 |
Florida requires drivers to carry a minimum amount of these coverage types:
- $10,000 in personal injury protection (PIP) coverage.
- $10,000 in property damage liability coverage.
Minimum coverage pays for only others’ injuries or property damage after a crash you cause, but not your own.
If you have a loan or lease on your vehicle, the lender will require
More: Cheapest car insurance in Florida
Cheapest full coverage insurance in Gainesville
Full coverage would cover your own car if it’s damaged because of theft, vandalism or a collision. It would also pay for damage from weather events, including hurricanes and lightning strikes, which are frequent in Gainesville according to FEMA’s National Risk Index.
Here are the cheapest quotes for full coverage in Gainesville, based on data from Jerry customers.
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Monthly Quote
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Annual Quote
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Insurance Company
|
Age
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Date of Quote
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City, State
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ZIP Code
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|---|
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Monthly Quote
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Annual Quote
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Insurance Company
|
Age
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Date of Quote
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City, State
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ZIP Code
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|---|---|---|---|---|---|---|
| $64 | $770 | 41 | 06/21/25 | 32601 | ||
| $71 | $850 | 45 | 06/24/25 | 32608 | ||
| $79 | $950 | 42 | 09/25/25 | 32608 | ||
| $88 | $1,050 | 39 | 06/18/25 | 32606 | ||
| $88 | $1,054 | 39 | 06/16/25 | 32607 | ||
| $89 | $1,068 | 44 | 10/27/25 | 32608 | ||
| $89 | $1,070 | 49 | 11/13/25 | 32653 | ||
| $90 | $1,084 | 36 | 09/06/25 | 32608 | ||
| $91 | $1,096 | 43 | 10/01/25 | 32607 | ||
| $93 | $1,120 | 40 | 06/20/25 | 32607 |
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote:Methodology
Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:
- 35-45 years old.
- Clean driving record.
- $50,000 in bodily injury liability, per person.
- $100,000 in bodily injury liability, per accident.
- $1,000 deductible for comprehensive and collision insurance.
More: Best car insurance companies
Cheapest car insurance for young drivers in Gainesville (18-29 years old)
Young drivers tend to pay more for car insurance because they lack experience on the road, which insurers see as a risk. Fortunately, insurance premiums typically decline as drivers head into their 20s. Here are the cheapest quotes in Gainesville for drivers between 18 and 29 years old, according to Jerry’s data.
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
|
Has Full Coverage
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Date of Quote
|
City, State
|
ZIP Code
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|---|
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Monthly Quote
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Annual Quote
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Insurance Company
|
Age
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Has Full Coverage
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Date of Quote
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City, State
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ZIP Code
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|---|---|---|---|---|---|---|---|
| $50 | $604 | 25 | No | 08/06/25 | 32641 | ||
| $54 | $650 | 29 | No | 09/20/25 | 32601 | ||
| $56 | $670 | 22 | No | 10/02/25 | 32608 | ||
| $56 | $672 | 26 | No | 07/08/25 | 32607 | ||
| $58 | $698 | 27 | No | 08/26/25 | 32653 | ||
| $89 | $1,068 | 44 | 10/27/25 | 32608 | |||
| $89 | $1,070 | 49 | 11/13/25 | 32653 | |||
| $90 | $1,084 | 36 | 09/06/25 | 32608 | |||
| $91 | $1,096 | 43 | 10/01/25 | 32607 | |||
| $93 | $1,120 | 40 | 06/20/25 | 32607 |
More: Get cheap car insurance the smart way, today
Cheapest car insurance for mature drivers in Gainesville (30-54 years old)
Drivers who are 30 to 54 years old tend to get lower quotes than younger drivers, but it’s wise to go shopping for auto insurance to ensure you’re paying the lowest rate possible. Here are Jerry’s cheapest quotes for mature drivers in Gainesville.
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Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $35 | $416 | 38 | No | 06/17/25 | 32608 | ||
| $39 | $462 | 40 | No | 06/20/25 | 32641 | ||
| $41 | $490 | 30 | No | 08/03/25 | 32608 | ||
| $41 | $494 | 43 | Yes | 06/21/25 | 32603 | ||
| $44 | $524 | 42 | No | 06/21/25 | 32653 | ||
| $89 | $1,068 | 44 | 10/27/25 | 32608 | |||
| $89 | $1,070 | 49 | 11/13/25 | 32653 | |||
| $90 | $1,084 | 36 | 09/06/25 | 32608 | |||
| $91 | $1,096 | 43 | 10/01/25 | 32607 | |||
| $93 | $1,120 | 40 | 06/20/25 | 32607 |
Cheapest car insurance for older drivers in Gainesville (55+ years old)
Drivers over 54 years old typically pay the cheapest auto insurance premiums, until they reach their 70s. Below are the cheapest auto insurance quotes in Gainesville for older drivers, according to Jerry’s data.
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Monthly Quote
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Annual Quote
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Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
Has Full Coverage
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| $41 | $488 | 62 | 08/05/25 | 32608 | No | ||
| $48 | $570 | 72 | 10/02/25 | 32606 | No | ||
| $52 | $628 | 65 | 09/05/25 | 32605 | No | ||
| $54 | $652 | 69 | 08/10/25 | 32641 | No | ||
| $55 | $660 | 60 | 07/26/25 | 32608 | No | ||
| $89 | $1,068 | 44 | 10/27/25 | 32608 | |||
| $89 | $1,070 | 49 | 11/13/25 | 32653 | |||
| $90 | $1,084 | 36 | 09/06/25 | 32608 | |||
| $91 | $1,096 | 43 | 10/01/25 | 32607 | |||
| $93 | $1,120 | 40 | 06/20/25 | 32607 |
More: Best car insurance for seniors
Cheapest car insurance for drivers with clean records in Gainesville
You’ll typically get the cheapest auto insurance rate if you don’t have infractions, citations or accidents on your driving record. Here are the cheapest car insurance quotes for drivers with clean records in Gainesville, based on Jerry’s data.
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Monthly Quote
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Annual Quote
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Insurance Company
|
Age
|
Date of Quote
|
Has Full Coverage
|
City, State
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ZIP Code
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|---|
|
Monthly Quote
|
Annual Quote
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Insurance Company
|
Age
|
Date of Quote
|
Has Full Coverage
|
City, State
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ZIP Code
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|---|---|---|---|---|---|---|---|
| $32 | $378 | 31 | 07/22/25 | No | 32605 | ||
| $37 | $448 | 43 | 06/22/25 | No | 32606 | ||
| $40 | $484 | 35 | 09/22/25 | No | 32608 | ||
| $41 | $488 | 62 | 08/05/25 | No | 32608 | ||
| $43 | $514 | 47 | 08/27/25 | No | 32605 | ||
| $44 | $526 | 43 | 06/21/25 | No | 32603 | ||
| $46 | $546 | 30 | 08/03/25 | No | 32607 | ||
| $47 | $568 | 37 | 06/15/25 | No | 32641 | ||
| $48 | $570 | 72 | 10/02/25 | No | 32606 | ||
| $50 | $594 | 43 | 10/01/25 | No | 32607 |
Cheapest car insurance for drivers with low credit scores in Gainesville
Florida allows insurers to use credit scores to set prices for car insurance, and having a lower credit score usually means you’ll pay a higher premium. Every insurer weighs credit scores differently when pricing rates, so rate shopping can help you get the cheapest policy.
Here are the cheapest quotes for drivers in Gainesville with credit scores under 550, based on Jerry’s data.
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Credit Score
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Date of Policy
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City, State
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ZIP Code
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|---|
|
Credit Score
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Date of Policy
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City, State
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ZIP Code
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|---|---|---|---|---|---|---|---|
| <550 | $72 | $862 | 33 | 10/07/25 | 32609 | ||
| <550 | $77 | $919 | 53 | 11/21/24 | 32606 | ||
| <550 | $78 | $936 | 66 | 07/05/25 | 32606 | ||
| <550 | $82 | $980 | 30 | 03/01/25 | 32605 | ||
| <550 | $83 | $996 | 36 | 09/19/25 | 32608 | ||
| $44 | $526 | 43 | 32603 | ||||
| $46 | $546 | 30 | 32607 | ||||
| $47 | $568 | 37 | 32641 | ||||
| $48 | $570 | 72 | 32606 | ||||
| $50 | $594 | 43 | 32607 |
Cheapest car insurance for drivers with at-fault accidents in Gainesville
Drivers with at-fault accidents on their records are likely to pay higher premiums. If you’ve recently been in an accident, compare quotes from multiple companies to find the lowest rate. Below are the cheapest quotes for drivers in Gainesville with an at-fault accident on their records, based on Jerry’s data.
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At-fault Accident on Record
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Has Full Coverage
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Date of Policy
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City, State
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ZIP Code
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|---|
|
At-fault Accident on Record
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Has Full Coverage
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Date of Policy
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City, State
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ZIP Code
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|---|---|---|---|---|---|---|---|---|
| At Fault With No Injury | $53 | $630 | 22 | No | 04/03/25 | 32608 | ||
| At Fault With No Injury | $71 | $849 | 33 | No | 10/29/24 | 32608 | ||
| At Fault With No Injury | $72 | $862 | 33 | No | 10/07/25 | 32609 | ||
| At Fault With No Injury | $72 | $865 | 38 | No | 09/04/25 | 32605 | ||
| At Fault With No Injury | $72 | $866 | 38 | No | 07/22/25 | 32608 | ||
| $44 | $526 | 43 | No | 32603 | ||||
| $46 | $546 | 30 | No | 32607 | ||||
| $47 | $568 | 37 | No | 32641 | ||||
| $48 | $570 | 72 | No | 32606 | ||||
| $50 | $594 | 43 | No | 32607 |
Cheapest car insurance for drivers with speeding tickets in Gainesville
Your insurance premium will likely increase if you receive a speeding ticket, but the increase depends on the speed you were cited at. Each insurer penalizes these violations differently, so shopping around for the best quote can help you keep insurance costs as low as possible.
Here are the cheapest quotes that Jerry customers in Gainesville with speeding tickets have received.
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Violation Summary
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
|
Date of Quote
|
City, State
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ZIP Code
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|---|
|
Violation Summary
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Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| Speeding over 15 | $57 | $686 | 52 | 07/03/25 | 32641 | ||
| Speeding over 15 | $65 | $780 | 37 | 09/20/25 | 32607 | ||
| Speeding over 15 | $85 | $1,018 | 24 | 09/03/25 | 32609 | ||
| Speeding under 15 | $112 | $1,348 | 38 | 11/10/25 | 32609 | ||
| Speeding over 15 | $115 | $1,384 | 64 | 07/14/25 | 32607 | ||
| $44 | $526 | 43 | 06/21/25 | 32603 | |||
| $46 | $546 | 30 | 08/03/25 | 32607 | |||
| $47 | $568 | 37 | 06/15/25 | 32641 | |||
| $48 | $570 | 72 | 10/02/25 | 32606 | |||
| $50 | $594 | 43 | 10/01/25 | 32607 |
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by Northwestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.
Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.
