{"id":36540,"date":"2022-04-18T08:20:43","date_gmt":"2022-04-18T15:20:43","guid":{"rendered":"https:\/\/www.freeway.com\/?page_id=36540"},"modified":"2023-11-03T15:28:18","modified_gmt":"2023-11-03T22:28:18","slug":"gainesville","status":"publish","type":"page","link":"https:\/\/www.freeway.com\/auto-insurance\/florida\/gainesville\/","title":{"rendered":"Cheap Car Insurance in Gainesville, Florida"},"content":{"rendered":"
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Home to the University of Florida, Gainesville offers a bustling college town atmosphere with tons of cultural attractions, and natural ones to boot. Our favorite attractions include the Florida Museum of Natural History, the Curtis M. Phillips Center for the Performing Arts, Santa Fe College Teaching Zoo, and the lush Kanapaha Botanical Gardens. All Gainesville drivers must carry <\/span>auto insurance<\/span><\/a>.<\/span><\/p>\n

Fortunately, there are many ways to save. Keep reading to learn more about <\/span>Florida car insurance<\/span><\/a>, including ways to save, average monthly premiums by age\/zip code, and the types of discounts available to Gainesville drivers.<\/span><\/p>\n <\/div>\n \n

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Driving Conditions in Gainesville, Florida<\/h2>\n
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The driving conditions in this area can be challenging. The general weather or climate is subtropical which means mild winters and hot, humid summers. This climate can have heavy rainfall, especially during summer months which can make the roads slippery. In the meantime, Gainesville experiences heavy rain and tropical storms, which can reduce visibility and cause flooding in some areas. The city in general has a well-maintained road network making it easy to navigate. Keeping in mind that the university is home to around 44,000 students, it\u2019s not uncommon to have heavy traffic when classes are in session.\u00a0<\/span><\/p>\n

How Many Fatal Accidents Happen in Gainesville?<\/h3>\n

In 2021, Gainesville saw a total of 25 fatal crashes involving 40 vehicles and 60 people. None were alcohol-related, but there were 13 pedestrian deaths. In 2022, Gainesville saw 47 crashes with 153 involving pedestrians. <\/span><\/p>\n

How Are the Road Infrastructure and Bridges in Gainesville, Florida?<\/h3>\n

The Alachua County Road & Bridge Office<\/a> maintains Gainesville’s roads and bridges. These include correcting potholes<\/a>, defective traffic signs, and other faults that impede a driver’s ability to navigate the road.<\/p>\n

Gainesville’s Public Works<\/a> department also focuses on other areas to preserve city and property values, consisting of seven divisions: Development Review & Emergency Management, Survey & Real Property, Transportation Engineering Critical Facilities, Fleet Management, Road & Bridge, and Construction Inspection.<\/p>\n <\/div>\n \n \n \n \n <\/div>\n <\/div>\n<\/section>\n\n

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How Much Does Auto Insurance Cost in Gainesville, FL?<\/h2>\n
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Gainesville drivers pay an average monthly rate of $150 per month for full coverage auto insurance<\/a>, higher than the national average ($138) and lower than the state average of $197. For the state-required minimum liability car insurance<\/a>, Gainesville drivers average $54 per month, which is higher than the national average of $40 and lower than the state average of $92.<\/p>\n

Florida is a no-fault state, which means that, in an accident, each driver\u2019s insurance covers his or her own property damages, up to $10,000 with the minimum required amount. Each driver is required to carry Personal Injury Protection<\/a> (PIP) in the amount of $10,000 that is supposed to help pay for any injuries they \u2013 and their passengers – sustain in an accident.<\/p>\n

Many drivers feel that $10,000 in liability insurance<\/a> for property damages and $10,000 in medical costs is not enough \u2013 and rightfully so. With today\u2019s repair costs and medical bills, that won\u2019t get you very far. You always have the option of adding more protection to the required amounts, for example by increasing your property damage and PIP amounts or by choosing to go with full coverage, which includes liability, collision and comprehensive insurance.<\/p>\n

Our breakdown below depicts the average monthly premiums paid by other Florida cities:<\/p>\n <\/div>\n

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City<\/th>\n Full Coverage Insurance<\/th>\n Liability Insurance Coverage<\/th>\n <\/tr>\n
Gainesville<\/strong><\/td>\n $150<\/strong><\/td>\n $54<\/strong><\/td>\n <\/tr>\n
Fort Lauderdale<\/td>\n $240<\/td>\n $83<\/td>\n <\/tr>\n
Jacksonville<\/td>\n $180<\/td>\n $67<\/td>\n <\/tr>\n
Miami<\/td>\n $280<\/td>\n $97<\/td>\n <\/tr>\n
Orlando<\/td>\n $180<\/td>\n $70<\/td>\n <\/tr>\n
Tampa<\/td>\n $260<\/td>\n $99<\/td>\n <\/tr>\n
West Palm Beach<\/td>\n $250<\/td>\n $97<\/td>\n <\/tr>\n <\/table>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n<\/section>\n\n
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Gainesville Affordable Car Insurance Rates by Zip Code<\/h3>\n

Heavily populated zip codes with a higher number of traffic accidents and claims might expect to see larger premiums. Do not be surprised if a simple move down the street cuts your monthly premium by 30%.<\/span><\/p>\n

Our breakdown below depicts Gainesville\u2019s average monthly premiums paid by zip code:<\/span><\/p>\n <\/div>\n

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Zip Code<\/th>\n Full Coverage Insurance<\/th>\n Liability Insurance Coverage<\/th>\n <\/tr>\n
32601<\/td>\n $141<\/td>\n $54<\/td>\n <\/tr>\n
32603<\/td>\n $141<\/td>\n $54<\/td>\n <\/tr>\n
32605<\/td>\n $141<\/td>\n $54<\/td>\n <\/tr>\n
32606<\/td>\n $140<\/td>\n $54<\/td>\n <\/tr>\n
32607<\/td>\n $140<\/td>\n $54<\/td>\n <\/tr>\n
32608<\/td>\n $140<\/td>\n $54<\/td>\n <\/tr>\n
32609<\/td>\n $140<\/td>\n $54<\/td>\n <\/tr>\n
32610<\/td>\n $139<\/td>\n $53<\/td>\n <\/tr>\n
32611<\/td>\n $141<\/td>\n $54<\/td>\n <\/tr>\n
32612<\/td>\n $138<\/td>\n $53<\/td>\n <\/tr>\n
32641<\/td>\n $140<\/td>\n $54<\/td>\n <\/tr>\n
32653<\/td>\n $141<\/td>\n $54<\/td>\n <\/tr>\n <\/table>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n<\/section>\n\n
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Low-Cost Gainesville, FL Car Insurance Rates by Age<\/h3>\n

Insurance costs vary depending on the age group. For example, some age groups, such as young and inexperienced drivers<\/a>, have a higher likelihood for moving violations and traffic accidents, resulting in higher collective premiums. You cannot change your age, but you can make sure your driving record stays clean so when you do move into a lower-premium age bracket, you can enjoy the fruits of your effort with much lower insurance rates.<\/p>\n

Our breakdown below depicts Gainesville’s average monthly premiums paid by age bracket:<\/p>\n <\/div>\n

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Age<\/th>\n Full Coverage Insurance<\/th>\n Liability Insurance Coverage<\/th>\n <\/tr>\n
Teenagers<\/td>\n $462<\/td>\n $157<\/td>\n <\/tr>\n
20s<\/td>\n $159<\/td>\n $59<\/td>\n <\/tr>\n
30s<\/td>\n $141<\/td>\n $54<\/td>\n <\/tr>\n
40s<\/td>\n $133<\/td>\n $52<\/td>\n <\/tr>\n
50s<\/td>\n $125<\/td>\n $50<\/td>\n <\/tr>\n
60s<\/td>\n $127<\/td>\n $50<\/td>\n <\/tr>\n
70s<\/td>\n $134<\/td>\n $53<\/td>\n <\/tr>\n <\/table>\n <\/div>\n <\/div>\n <\/div>\n
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Unless otherwise specified, we use the following methodology to arrive at our average cost: male, age 30, lowest possible legal coverage allowed by Florida. Your rates will be determined by several factors, including your age, your gender and the amount of coverage you want to purchase.<\/em><\/p>\n<\/p>\n\n <\/div>\n <\/div>\n<\/section>\n\n

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Get a Quote for Car Insurance in Florida Today!<\/h2>\n <\/div>\n \n
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