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Cheap Car Insurance in Gainesville, Florida

Locate cheap car insurance in Gainesville, the northern Florida college town best known for the University of Florida. The state’s largest and oldest university is home to the Florida Museum of Natural History and boasts about 55,000 students. The seat of Alchua County, the city’s population in 2016 was estimated at 131,591.

The city is also known for the Gainesville Raceway, as the hometown of Bo Didley and Tom Petty, the birthplace of Gatorade and among drug culture for “Gainesville Green,” a potent strain of marijuana.

Annual events include a Downtown Festival and Art Show each fall and the Hoggetowne Medieval Faire.

Driving Conditions in Gainesville

Interstate 75 clips Gainesville’s southwest city limits, providing a direct route to Tampa to the south and going northward all the way to Atlanta, Georgia and beyond. From Gainesville, U.S. routes 441 and 301 provide directs route to Jacksonville, Ocala, and Orlando. Disney, Universal Studios and Busch Gardens are all within a two-hour drive. Within the city, streets are laid out in a grid system and divided into NW, NE, SW and SE quadrants. Except for major thoroughfares, streets are numbered and usually named for the cities they access – such as Hawthorne, Williston, Archer and Newberry roads.

According to U.S. Census Bureau data, Gainesville has the best average commute time in Florida at just under 20 minutes, something that has been attributed to a regional transit system and the city’s street layout, sidewalks and bike paths.

Travel information is available by calling 511 or accessing

Unique Laws in Gainesville

Gainesville has a number of ordinances targeted homeless, such ordinances making sleeping outdoors on public property illegal. Countywide panhandling regulations have not been enforced in recent years, however, since they have been challenged as unconstitutional.

Statewide, Florida’s “Move Over Law” requires drivers to move to the left lane when passing emergency vehicles or police that are stopped on the side of the roadway. Good to know: Unless you’re in a funeral procession, Florida bans using hazard lights while the vehicle is moving. Among the more odd laws still on the books are those proclaiming it illegal to drive over graves or park within intersections.

Gainesville Crime Statistics

FBI statistics compiled for 2016 show 870 violent crimes in Gainesville, four of which were murder or manslaughter. The local violent crime rate of 663 offenses per 100,000 residents is above the average U.S. violent crime rate of 386 per 100,000. The property crime rate in Gainesville was 3,739 per 100,000 residents, also above the U.S. average, which is 2,451 property crimes per 100,000 residents.

Within the city, 367 vehicles were stolen in 2016, FBI data shows, a rate of 279.6 per 100,000 residents. The national average is 236 incidents per 100,000 people.

Gainesville Safety Requirements

Drivers and front-seat passengers, as well as all passengers under age 18 must wear seat belts, the Florida Department of Motor Vehicles mandates. Children 3 and under must ride in a federally approved child-restraint, and 4 and 5-year-olds must be “secured by either a federally approved child restraint seat or safety belt,” the department states. Florida in 2014 made texting while driving a secondary offense, meaning you can receive driver’s license “points” for doing so if you are stopped for something else.

Gainesville Impaired Driving Laws

Florida’s DUI laws are considered fairly strict. Any over 21 with a blood alcohol level of .08 will be charged, and first offenders receive a fine, 50 hours of community service, a year probation, up to 6 months imprisonment and a minimum license revocation of 180 days. A 12-hour DUI school is also required. Minors can be charged with a .02 blood alcohol level, or BAL, as it is known in Florida. If this happens, they lose their license for 6 months. Regardless of your circumstances or driving record, it’s possible to find cheap car insurance in Gainesville; contact us to compare rates.

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Swapping your high heels for a pair of driving shoes can help you qualify for cheap car insurance by avoiding accidents and getting "safer driver" discounts.

It is easier to get cheap car insurance with a car that has high safety rating than one without one.

When you are looking for cheap car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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