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Cheapest Car Insurance Rates in Gainesville, florida

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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.

ProviderAverage Annual Rate
State Farm$1,280
GEICO$1,679
Progressive$1,997
Allstate$2,724

Gainesville, florida Car Insurance Rates by Age

Car insurance rates in the city of Gainesville are going to vary depending on the age of the driver. Typically, insurance companies will require younger drivers to pay higher rates than older drivers due to age qualifying as a risk factor when determining premiums. White Chip Insurance is committed to providing the cheapest car insurance rates to all drivers, no matter their age. The following is a list of average car insurance rates in Gainesville, FL by age range:

AgeAverage Annual Rate
16-19$5,225
20s$2,350
30s$1,831
40s$1,795
50s$1,686
60s$1,719
70s$2,084

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 StatusAverage Annual Rate
Married$1,766
Divorced$1,839
Widowed$1,803
Female$1,870
Male$1,839
Single$1,766

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. White Chip Insurance will work to get you the most affordable car insurance in Gainesville, Florida.

Driving RecordAverage Annual Rate
DUI/DWI$2,706
Reckless Driving$2,782
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 ScoreAverage 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 Codes

32601, 32602, 32607, 32607, 32641

Least Expensive Gainesville, florida ZIP Codes

32603, 32605, 32606, 32608, 32653

Local Amenities in Gainesville, florida

Our team and main headquarters is located in Tampa, Florida. We have a staff of 13 licensed insurance agents that have been in the Tampa, Florida insurance business for several years. Check out some of Tampa’s most notable local amenities below.

Gainesville, florida Car Insurance FAQs

Below you’ll find answers to some frequently asked questions regarding florida Car Insurance.

What is the average cost for car insurance in Florida?

According to the Insurance Information Institute, the average cost of car insurance in Florida is $2,309 per year. The most expensive car insurance is found in the city of Miami, with an average annual cost of $3,764. The least expensive city is Punta Gorda, with an average annual cost of $1,698. The average cost of car insurance in Gainesville is $1,839.

Why is car insurance so expensive in Florida?

Car insurance is expensive in Florida because the state runs a high risk of natural disasters, like hurricanes and floods, and also has a high rate of car theft. Also, Florida is a no fault state, which means that drivers are personally responsible for their own medical expenses regardless of who is at fault in an accident. All of these factors result in an increase to all types of insurance in Florida.

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How much is car insurance near Gainesville, FL?
OrlandoTallahasseeJacksonville
TampaOcalaMiami
Fort LauderdaleSt. PetersburgHialeah
HollywoodCape CoralPembroke Pines
Port St. LucieMiami GardensCoral Springs
Lehigh AcresClearwaterPalm Bay
Pompano BeachWest Palm BeachMiramar
LakelandDavieBoca Raton
SunriseSpring HillPlantation
AlafayaFort MyersLargo
BrandonPalm Coast

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