Driving Conditions in Gainesville, florida
At White Chip Insurance we understand the importance of finding the best carriers for our clients.
113Rainy Days a Year
50 in.Average Annual Rainfall
0 in.Average Annual Snowfall
Gainesville, florida Car Insurance Rates by Provider
With a variety of car insurance providers to choose from in Gainesville, Florida, such as Geico, Progressive, State Farm, Allstate, and USAA, it is vital to compare rates and coverage options to ensure you are receiving the best policy possible. Lucky for you, White Chip Insurance has existing relationships with each of these carriers and is able to ensure you will be quoted the cheapest car insurance rates in all of Gainesville.
|Provider||Average Annual Rate|
Gainesville, florida Car Insurance Rates by Gender and Marital Status
Car insurance companies cannot use gender as a basis for determining insurance rates and most states have laws prohibiting insurers from using gender as a factor when determining rates. In Gainesville, Florida, you typically won’t find varying insurance rates, based on gender. Although, on average, female drivers in Gainesville, Florida pay slightly more. Married couples typically have lower car insurance rates than single drivers because it is assumed that married drivers will drive more responsibly and take fewer risks behind the wheel. In Gainesville, Florida, divorced or widowed drivers can expect to see a slight increase in their rates than single or married drivers.
|Gender and Marital Status||Average Annual Rate|
Gainesville, florida Car Insurance Rates by Driving Record
For insurance companies, a driver’s driving record holds weight in the process of determining their car insurance rate. A clean driving record typically equals lower premiums. A faulty driving record typically causes the prices to spike. Drivers with a clean record may be offered discounts on their insurance, while drivers with a faulty record run the risk of being charged higher deductibles. Similarly, drivers with multiple traffic violations or DUI convictions may be charged significantly higher rates. On average, Gainesville, Florida offers a rate of $1,305 per year for clean driving records, while the rate for a faulty driving record is around $2,511.
|Driving Record||Average Annual Rate|
|At-fault Accident (damages less than $1,000)||$2,511|
|At-fault Accident (damages greater than $2,000)||$2,511|
|Speeding Ticket (16-20mph over speed limit)||$2,269|
Gainesville, florida Car Insurance Rates by Credit Score
Credit score is often taken into consideration when determining car insurance rates. Generally, the higher the credit score, the lower the car insurance rates. Since car insurance companies take into account an individual's financial history when determining rates, those with higher credit scores may be seen as more responsible and therefore may be able to access lower rates.
Low credit score? No worries - White Chip Insurance is dedicated to providing the cheapest car insurance rates in Gainesville, Florida to drivers of all credit scores. Contact us today to learn more.
|Credit Score||Average Annual Rate|
|300 - 570||$3,618|
|580 - 669||$2,248|
|670 - 739||$1,839|
|740 - 799||$1,674|
|800 - 850||$1,487|
Cheapest Area Codes in Gainesville, florida
Car insurance rates can also vary depending on the zip code they are coming from. Gainesville, Florida rates can be more expensive because of their close proximity to elite job opportunities, educational advantages and access to amenities such as shopping, dining, and entertainment. Neighborhood safety and school quality are additional factors that can contribute to higher insurance premiums.
The most expensive zip code in Gainesville, Florida is 32603 with an average home value of $393,000. The least expensive zip code in Gainesville, Florida is 32641 with an average home value of $180,000.
Most Expensive Gainesville, florida zip Code
32601, 32602, 32607, 32607, 32641
Least Expensive Gainesville, florida zip Code
32603, 32605, 32606, 32608, 32653