Gainesville Car Insurance

How much does car insurance cost in Gainesville, GA? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Gainesville?

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Georgia has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Gainesville typically pay around $145.89 per month compared to the national average of $134.04 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $134.04
Georgia $170.28
Gainesville, Georgia $145.89

Gainesville, GA Best Car Insurance Companies

car insurance in Gainesville

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, USAA generally has the most affordable car insurance in Gainesville coming in around $107.89 per month. Other companies to consider if you live in Gainesville is Auto-Owners Insurance Co with an average cost of $110.54 per month and Georgia Farm Bureau which typically runs around $113.46 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Gainesville.

RankCompanyAverage Monthly RateComparison State Average
1 USAA $107.89-36.64%
2 Auto-Owners Insurance Co $110.54-35.08%
3 Georgia Farm Bureau $113.46-33.37%
4 State Farm $114.41-32.81%
5 Clearcover $131.15-22.98%
6 Country $142.00-16.61%
7 ACCC Insurance Company $148.85-12.59%
8 Mercury Insurance $152.40-10.50%
9 Nationwide $152.55-10.41%
10 Metropolitan $158.57-6.88%

How Much is Car Insurance in Gainesville, GA?

how much is auto insurance in Gainesville

Rates can vary from city to city. The residents of Atlanta typically pay $218.71 per month while people who live in Augusta will pay $154.28 per month on average. See what people pay for car insurance in other cities in Georgia.

Georgia CitiesMonthly Average Rate
Atlanta $218.71
Augusta $154.28
Columbus $164.87
Gainesville $146.19
Macon $163.87
Savannah $197.26

Cheap Car Insurance in Gainesville by Zip Codes

find cheap auto insurance in Gainesville

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Georgia. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Gainesville, GA ZIP CodeAverage Monthly Rate

Car Insurance Rates by Driver's Age Group in Gainesville

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $265.56 per month in Gainesville. Compare that to drivers in their 30’s who typically pay around $123.85 per month drivers in their 40s at $110.71 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate

Cheapest Insurance for Teenage Drivers in Gainesville

If you are teen in Gainesville you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Country typically charges around $276.50 per month. This is likely the most affordable option in Gainesville. You might also want to consider Auto-Owners Insurance Co and Mercury Insurance who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
Auto-Owners Insurance Co$318.33
Mercury Insurance$321.17
State Farm$321.33

Cheapest Insurance for 20 Year-olds in Gainesville

20 year-olds in Gainesville might want to consider Auto-Owners Insurance Co who, on average, offers car insurance rates around $123.42 per month. USAA , Clearcover , Mercury Insurance and Georgia Farm Bureau are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
Auto-Owners Insurance Co$123.42
Mercury Insurance$133.25
Georgia Farm Bureau$136.38

Cheapest Insurance for 30 Year-olds in Gainesville

If you are in your 30s in Gainesville our research has found that USAA typically has the most affordable coverage coming in around $97.09 per month, followed by Georgia Farm Bureau at $100.36 and State Farm at $100.74.

CompanyAverage Monthly Rate
Georgia Farm Bureau$100.36
State Farm$100.74
Auto-Owners Insurance Co$101.47
Mercury Insurance$112.83

Cheapest Insurance for 40 Year-olds in Gainesville

On average, USAA offers car insurance for 40 year-olds in Gainesville for around $89.51 per month. If you are looking for affordable coverage, you may also want to consider Auto-Owners Insurance Co or Georgia Farm Bureau. The full list of top companies is below.

CompanyAverage Monthly Rate
Auto-Owners Insurance Co$92.40
Georgia Farm Bureau$93.50
State Farm$94.58

Cheapest Insurance for 50 Year-olds in Gainesville

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Gainesville we found that Kemper Auto | Infinity generally offers the most affordable coverage at $48.83 per month.

CompanyAverage Monthly Rate
Kemper Auto | Infinity$48.83
Mercury Insurance$61.50
Liberty Mutual$75.08
Auto-Owners Insurance Co$89.94

Cheapest Insurance for 60 Year-olds in Gainesville

If you live in Gainesville and you’re in your 60s, our data indicates that USAA usually has the best rates at $80.67 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
State Farm$81.78
Georgia Farm Bureau$82.42
Auto-Owners Insurance Co$88.83
ACCC Insurance Company$96.21

Driver's Coverage Auto Insurance Rates in Gainesville, GA

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Gainesville, the average monthly rate for a driver who is currently insured is $128.29 while drivers who are not currently covered will pay around $160.59.

CoverageAverage Monthly Rate
Not Currently Insured $160.59
Currently Insured $128.29

Compare Recent Car Insurance Quotes in Gainesville

auto insurance quotes in Gainesville city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Gainesville a driver of a 1994 Ford F250 can expect to pay around $367.60 per month while someone that owns a 1994 Ford F250 may pay around $315.73 per month. Check out the list of recent quotes in Gainesville below.

VehicleAverage Monthly Rate
1994 Ford F250$367.60
1994 Ford F250$315.73
1994 Ford F250$239.27
1994 Ford F250$199.22
2000 Honda Cr-V$41.16
2006 Chevrolet Silverado$175.07
2012 Honda Accord$85.75
2007 Jeep Patriot$90.85
2017 Toyota Camry$99.63
1998 Nissan Sentra$125.97

FAQ's for Drivers in Gainesville, GA

driver’s frequently asked question in Gainesville

What Is the Minimum Liability Coverage Requirement in Gainesville, GA?

Every state requires drivers to have a minimum amount of liability coverage. Georgia drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.

  • $25,000; Bodily injury coverage per person; Maximum payment for serious or permanent injury or death to a single person
  • $50,000; Bodily injury coverage per accident; Maximum payment for serious or permanent injury or death to multiple people
  • $100,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

High-risk drivers in Georgia who have difficulty obtaining auto insurance through the voluntary insurance market can find coverage through the Georgia Automobile Insurance Plan, or GAAIP.

Georgia law does not require motorists to buy collision and comprehensive insurance, but this full coverage is required by finance companies when taking out a loan or lease on a vehicle.

What Is the Blood Alcohol Concentration (BAC) limit in Gainesville, GA?

It is illegal for Georgians to operate a motor vehicle with the following BAC percentages:

.08%+ at 21 years old or older

.04%+ for commercial vehicle drivers

.02%+ at under 21 years old

Georgia has a zero-tolerance law for drivers under 21 that operate a vehicle with alcohol in their systems. This results in very harsh punishments for young persons convicted of a DUI in the state.

What happens if my coverage lapses?

Driving without insurance in Georgia is a major offense. Even if you stay out of your car, a lapse in coverage can result in suspension of your license, inability to renew your registration, and reinstatement fees.


Commute Time in Gainesville, GA

21.6 Miles

Commute Time in United States

26.4 Miles

Number of Nearest Insurance Agents in Gainesville, GA


The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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