Expertise.com

2024

Last updated:

Best Local Car Insurance Agencies in Gainesville

Our Recommended Top 9

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Gainesville Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

74Reviewed

48Curated

9Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

3501 West University Avenue, Gainesville, FL 32607
WebsiteLicense: L055907

Expertise.com Rating

Review Sources

Google
5.0 (84)
Facebook
4.9 (20)
Yelp
4.5 (5)

Why choose this provider?

McGriff-Williams Insurance is an independent agency providing insurance and money-saving solutions to businesses and families in Gainesville. Its agents offer auto insurance policies to protect against financial loss in the event of an accident. Most of the companies the agency represents have auto insurance policy enhancements, such as diminishing deductibles, new car replacement, and gap insurance. McGriff-Williams Insurance also has a health insurance division that specializes in Medicare supplements, as well as individual and group health.

  • Multiple Carriers
  • Motorcyle & ATV
  • Boats

1111 Northwest 23rd Avenue, Gainesville, FL 32609

Expertise.com Rating

Review Sources

Google
4.7 (46)
Facebook
5.0 (26)
Yelp
1.0 (1)

Why choose this provider?

Sunshine State Insurance Agency is an independent insurance brokerage operating in Gainesville. The firm provides personal and commercial insurance products to clients in the metro and nearby towns. It also writes auto insurance policies for clients which protect them from financial losses caused by liabilities, collisions, and medical payments. Sunshine State Insurance Agency was founded in 1971 and is a member of the Independent Insurance Agents and Brokers of America, Inc.

  • Boats
  • Motorcyle & ATV

378 East Base Street, Madison, FL 32340
WebsiteLicense: E041796

Expertise.com Rating

Review Sources

Facebook
5.0 (2)

Why choose this provider?

Nate Cruce is an independent State Farm insurance agent that serves clients in Gainesville and nearby areas. He offers a wide variety of products and services, such as personal and commercial auto insurance. Additionally, he can provide homeowners', life, and health insurance and also manages insurance coverage and claims for business clients. Cruce has been a Chartered Financial Consultant for 20 years. He is also a member of the Madison County Florida Chamber of Commerce.

  • Bundling Option

1925 North Young Boulevard, Chiefland, FL 32626

Expertise.com Rating

Review Sources

Google
4.4 (52)
Facebook
4.5 (23)

Why choose this provider?

King Insurance was founded in 1974 and to this day serves clients throughout Gainesville. It offers auto insurance covering comprehensive, collision, liability, personal injury protection, and rental reimbursement. The agency has bilingual Spanish-speaking professional staff to navigate the policies available to match client needs. An independent insurance agency also offers surety bonds and home insurance and can provide policies for each client's specific requirements. King Insurance also provides industry-specific insurance plans for businesses.

  • Bundling Option

2494 Blanding Boulevard, Middleburg, FL 32068
WebsiteLicense: E127710

Expertise.com Rating

Review Sources

Google
4.0 (22)

Why choose this provider?

Erwin Insurance Middleburg is an agency that has been offering auto insurance policies for residents in Gainesville and nearby areas for the past three decades. Its auto insurance plans may include six coverages, including collision, bodily injury liability, personal injury protection, comprehensive, and uninsured and underinsured motorist. As an authorized producer of different car insurance companies, Erwin Insurance Middleburg can help find the best auto insurance for young drivers, non-owners, and drivers with DUI's.

1222 Northwest 16th Avenue, Gainesville, FL 32601
WebsiteLicense: L011916

Expertise.com Rating

Review Sources

Google
5.0 (108)
Facebook
5.0 (7)
Yelp
5.0 (1)

Why choose this provider?

Since 1973, Cotton's All Insurance Agency, Inc., has been offering auto insurance services to individuals and businesses in Gainesville and the nearby areas. As an independent agency, it represents various insurance carriers. giving it the flexibility to compare different policies and provide insurance plans that fit client needs. In addition, agents review clients' coverages to ensure that they match changing insurance needs. As a community member, its team of agents is committed to help and accommodate people in their times of need.

  • Multiple Carriers
  • Motorcyle & ATV
  • Boats

1210-B Blanding Boulevard, Gainesville, FL 32065
WebsiteLicense: L050241

Expertise.com Rating

Why choose this provider?

Andersen Insurance Group, Inc., has been providing individuals in Gainesville auto insurance policies for more than 30 years. It insures different types of motorized vehicles, such as cars, motorcycles, RVs, boats, and collector cars. Clients with new vehicles or who want to look for better insurance coverages are attended to by the company's agents. Standard coverages of auto insurance policies include financial protection for the vehicle and liability protection in cases of injuries. Additional options can be suggested by the agents depending on clients' insurance needs.

  • RV & Motorhome
  • Motorcyle & ATV

2400 Northwest 6th Street, Gainesville, FL 32609
WebsiteLicense: L080423

Expertise.com Rating

Review Sources

Google
4.6 (45)

Why choose this provider?

Based in Gainesville, Aubrey Rogers Insurance Agency, Inc. has been providing insurance products and services to Floridians in Gainesville since 1982. It specializes in comprehensive auto policies inclusive of property damage or theft coverage; liability coverage to others in case of property damage or bodily injuries; and medical coverage for injury treatments, rehabilitation, and lost wages. The firm's seasoned agents also provide policy services, including ID card requests and policy modifications. Aubrey Rogers Insurance Agency is a Trusted Choice Independent Insurance Agent.

  • Multiple Carriers
  • Motorcyle & ATV

2200 Cassat Avenue, Gainesville, FL 32210
WebsiteLicense: L002665

Expertise.com Rating

Review Sources

Google
4.5 (127)
Facebook
5.0 (1)

Why choose this provider?

Erwin Insurance Agency has been providing insurance solutions and products to residents of the Gainesville metro since 1963. It was founded by William W. Erwin, Sr. with the idea of changing the public's perception of insurance to the smartest method of protecting what clients value the most. It has since written auto insurance policies to clients that protect themselves and their vehicles from unexpected expenses caused by traffic accidents and other damages. The agency is licensed in 17 states.

  • Multiple Carriers
  • Bundling Option

FAQs

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • Under what circumstances must Gainesville motorists show proof of insurance in their vehicles?

    In Gainesville, drivers are obligated to provide evidence of auto insurance in various situations, including after a collision, during the vehicle registration renewal process, and when requested by a law enforcement officer to verify their insurance coverage. Additionally, Florida law mandates that all vehicles operating or parked on the state's roads must maintain insurance coverage.

  • How does a poor driving record affect car insurance costs in Gainesville?

    Gainesville drivers with a record of speeding violations, DUI convictions, or past accidents should expect to incur higher costs when it comes to their car insurance premiums. Typically, speeding infractions can result in a 13% rate hike, being at fault in an accident can lead to a 30% increase, and a DUI conviction may lead to a 21% rise in rates. It is worth noting that the specific rate adjustments can vary from one insurance company to another.

  • What is the implication of Florida’s no-fault insurance system for Gainesville motorists?

    Florida is a no-fault state, where no driver is assigned blame in the event of an accident. Therefore, Gainesville motorists should not rely on the other driver's insurance to cover their injury claims following a car collision. Instead, they should submit any claims for injuries to their own insurers. Moreover, this emphasizes the significance of ensuring adequate coverage for potential car accidents.

  • Why do Gainesville drivers need more than the minimum car insurance coverage required by the state of Florida?

    The lowest amount of insurance required in Florida is not enough for Gainesville motorists to cover damages in the event of an accident. If drivers are at fault for seriously injuring someone else, their medical costs might go over the $10,000 PIP coverage allows. Given that Florida does not require liability car insurance, drivers might face further liability if the other driver's PIP limit runs out. Drivers may consider acquiring liability coverage with larger levels to protect their financial stability in case of an automobile collision.

  • Are there any driver discounts offered by car insurance companies in Gainesville?

    In Gainesville, car insurance providers provide various cost-saving opportunities to drivers, including discounts for safe driving records, excellent academic performance, and multiple vehicle ownership. Drivers can also explore potential savings by bundling policies and equipping their vehicles with anti-theft devices. Motorists can directly ask their local car insurance providers about discounts, or they can visit their websites.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.