Gainesville, FL Car Insurance
Find the right car insurance policy for you.
Gainesville is a historic city in the heart of Florida that serves as a hub for the state’s best educational and athletic opportunities. Whether you’re headed out for a day of exploring Gainesville’s numerous parks or you’re going to class at Florida’s oldest university, you are bound to encounter some serious traffic. That’s why every driver in this busy city needs the coverage of a reliable Gainesville car insurance policy. Our Independent Insurance Agents specialize in helping Gainesville drivers find the best auto coverage regardless of their age and driving history. Finding affordable rates starts with a call to your friendly independent insurance agents.
Cost of Car Insurance in Florida
- National Average Cost Per Year: $1,311
- Florida Average Cost Per Year: $1,742
- #5 Most Expensive Auto Premium in the U.S.
Car insurance can be a burden in Florida, where rates are the fifth highest in the nation. However, our independent insurance agents can help you shave money off your rate by matching you with safe driver discounts and other incentives. Best of all, our friendly agents can provide quotes on multiple policies so you can compare costs and find an auto insurance plan that is right for your lifestyle and budget.
Florida Car Insurance Requirements
- Body Injury Liability: Required
- Property Damage Reliability: Required
- Personal Injury Protection (PIP): Required
- Minimum Liability Limits: 10/20/10
Gainesville drivers are legally required to carry three basic types of auto coverage. Florida state law requires every driver to have a minimum of $25,000 to cover personal injury, $50,000 for bodily injury liability, and $10,000 for property damage. If you are involved in a car accident, these three coverage options will ensure that you have the money you need to make repairs to your car, pay for medical bills, and cover the costs of property damage related to the accident.
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Number of Uninsured Motorists in Florida
- How many US drivers are uninsured: 12.6%
- How many Florida drivers are uninsured: 23.8%
Florida state laws require all drivers to have insurance, but that doesn’t mean that everyone is following the rules. In fact, nearly one-fourth of drivers in the Sunshine State are uninsured, which puts you at a serious risk every time you get behind the wheel. If you get into an accident and an uninsured driver is at fault, how will you pay for car repairs and medical care? Uninsured motorist coverage offers an added layer of protection and it’s a smart choice for every Gainesville driver.
Number of Auto Thefts in Florida
- National Number of Thefts for 1,000 Vehicles: 2.94
- Number of Thefts for 1,000 Vehicles in Florida: 2.48
No one really imagines car theft as a serious personal threat, but it happens every day. Imagine how shocking it would be to come out of the Gainesville supermarket and find that your car isn’t where you left it. Having your car stolen is frightening, but auto theft coverage gives you peace of mind that if it happens, you’re covered. Your car insurance policy will pay to replace the stolen vehicle along with any valuables you had stored inside.
Find a Great Gainesville Car Insurance Policy
Choosing the right car insurance policy is easy with help from your friendly independent insurance agents. Our experienced agents can walk you through all of your coverage options and help you create a customized plan that protects you against uninsured motorists, theft, along with accidents and liability. Before you get behind the wheel, take time to compare rates and find a comprehensive car insurance plan that is right for your budget.
Contact an independent insurance agent today to get your free quote on Gainesville car insurance!