Best affordable car insurance in Gainesville


Best Affordable Auto Insurance in Gainesville - Auto Insurance


If you love college football and the sun, Gainesville, Florida has plenty of both. But if you’re looking for the cheapest auto insurance in Gainesville, do a little more research. Auto insurance averages $800 per year for minimum coverage and $1,782 per year for full coverage. We recommend comparing multiple companies to find the best insurance for you.

Gainesville is a city of approximately 134,000 people. All Gainesville residents who own a car are required by law to have auto insurance, so finding the best policy is important. Business Insurance analyzed multiple insurers based on financial ratings, customer satisfaction ratings, availability of coverage options and discounts, and average premiums to find the cheapest auto insurance in Gainesville.

Best auto insurance company in Gainesville

The best auto insurance companies in Gainesville depend on the individual policyholder, but there are some that stand out. The combination of competitive rates, various coverage options, multiple discounts, and excellent customer service and financial strength make these four companies a good place to start your auto insurance search.

Insurance company JD power score

(Florida)

Average annual premium for minimum coverage Average Annual Premium for Comprehensive Insurance
district farm 826/100 $577 $1,348
geisha 846/100 $684 $1,644
metlife 821/100 $882 $2,052
progressive 834/100 $976 $1,740

Quadrant Information Service, 2020

district farm

State Farm is the largest auto insurance company in the United States. This strength is based on extensive coverage options such as roadside assistance, ride sharing and rental car reimbursement. State Farm scores above the industry average in the 2020 JD Power US Automated Claims Satisfaction Study and receives an A++ financial strength rating from AM Best.

geisha

Geico has low rates in the Gainesville area and offers a wide list of discount options to help members save even more. Combine that with JD Power and Geico’s high customer service rating and you’ll be a perfect fit for your insurance needs. If you want to manage your policies, the Geico app allows you to view your ID card, pay bills, submit claims and request roadside assistance.

metlife

MetLife is great for Gainesville residents looking to combine insurance and save on auto insurance. According to MetLife, drivers can save an average of $562 a year by switching insurance. Once bundled, you will have access to special coverage options such as: B. Extension of rental damage coverage and replacement of special parts. In addition, MetLife offers a MyJourney program that identifies and mitigates the risks of distracted driving.

progressive

Progressive policies have many advantages. The company offers a variety of online resources and mobile apps, as well as many coverage options and exclusive discounts, including: B. Snapshot Program. The company also offers customer-specific optional features such as overage savings accounts and custom parts coverage.

Cheapest car insurance in gainesville.

Florida has one of the highest auto insurance premiums in the United States, with an average annual premium of $1,101 for minimum coverage and $2,364 for total coverage. Luckily, Gainesville is cheaper, with an average fee of $800/year for minimum coverage and $1,782/year for full coverage, while the city averages $565/year for minimum coverage and $1,782/year for full coverage. is. coverage. 1,674 for full coverage.

With high average premiums in Florida, it can be important to find the best affordable insurance without sacrificing quality of coverage. The vendors in the table below have competitive pricing and strong financial ratings. All companies have at least an A rating on AM Best.

Insurance company Average annual premium for minimum coverage Average Annual Premium for Comprehensive Insurance
district farm $577 $1,348
geisha $684 $1,644
metlife $882 $2,052
progressive $976 $1,740
statewide $978 $2,086

Price isn’t the only factor to consider when buying auto insurance. Customer service scores, financial strength ratings, available coverage, and online or mobile tools can also be important. For example, Allstate and Geico achieved the highest customer satisfaction ratings in Florida in his 2020 U.S. Auto Insurance Survey from JD Power. Progressive has many optional insurance options and State Farm is the largest auto insurance company in the United States. When looking for cheap auto insurance, it’s worth getting multiple quotes to compare prices, coverage options, and other factors.

Gainesville insurance requirements

Florida requires you to maintain a minimum coverage that includes:

  • $10,000 per person personal injury liability insurance
  • $20,000 personal injury liability insurance per accident
  • $10,000 property damage liability insurance per accident
  • Personal Injury Protection (PIP) coverage of $10,000 per person

Although personal injury insurance is not required in Florida (e.g. you can submit a bail certificate to comply with the «Financial Liability Act»), most insurers list personal injury on insurance policies. There is a possibility. In many cases, the easiest way to ensure that you meet the legal insurance requirements is to purchase the minimum coverage amounts listed above.

Florida is considered a debt-free state. This means that you must have PIP insurance to cover medical costs and lost wages for you and your passengers in the event of an accident, regardless of who is at fault. To do.

Choosing a minimum insurance policy will keep your premiums low, but it may not be enough to cover all damages caused by your negligence. This helps keep costs under control. When leasing or financing a car, banks typically require collision and collision damage waivers to be added to the insurance policy. Gainesville drivers should consult with a qualified insurance professional when purchasing insurance to ensure that the insurance meets their needs.

gainesville auto insurance discounts

Auto insurance premiums in Gainesville are on average higher than in the rest of the United States, but discounts can offset the cost. Most insurance companies offer various discounts to help policyholders stay within their premium budget. Typical discounts are:

  • combination of guidelines : If you have two or more policies for the same company. For example, if you have auto insurance and homeowner or renter insurance, you can get a discount on both policies.
  • Defensive driving: Discounted rates for certified defensive driving courses. Not all companies offer this discount option. If your company offers it, make sure the course you choose is approved by the provider before signing up.
  • Telematics Discount: This type of discount requires you to record your driving habits using an app or plug-in device. Not all airlines offer telematics discounts, but in your case, being a safer driver can save you money.
  • Security features: If your car is equipped with safety features such as airbags, anti-lock brakes, and anti-theft protection, you can save money on your insurance premium.

Frequently Asked Questions

What is the best auto insurance?

A good way to determine which insurance company best suits your needs is to compare multiple companies. Factors such as customer service ratings, average prices, financial strength, and discount offers can help guide your search. Each driver brings a unique situation to insurance, so the best auto insurance provider will depend on your specific situation.

How much is car insurance in Gainesville?

Gainesville auto insurance averages $800 per year for minimum coverage and $1,782 per year for full coverage. However, the reward depends on personal factors. Age, driver’s license, vehicle, credit rating, coverage options, and specific zip code affect rates.

methodology

Business Insurance uses Quadrant Information Services to verify rates for all zip codes and carriers in all 50 states. The rates quoted in Washington DC are based on her 40-year-old driver with a clean driver’s license and good credit history. Total coverage limits for:

  • $100,000 liability insurance per person
  • $300,000 liability for personal injury
  • $50,000 liability for accident property damage
  • $100,000 per person personal injury caused by an uninsured driver
  • $300,000 bodily injury to uninsured driver due to accident
  • $500 Over Collision
  • $500 Total Deductible

To determine the minimum coverage, Asegranzas para Negocios used the minimum coverage corresponding to each state’s requirements. The sample driver owns a 2018 Honda Accord, travels 5 days a week, and drives 12,000 miles per year.

These are sample rates and should only be used for comparison purposes. Offers may vary.

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