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Gainesville Car Insurance Resources

Gainesville, FL Car Insurance

Cars Insured in Gainesville

^ There are an estimated 75,663 vehicles currently insured in Gainesville. [1]

Car Insurance Rates in Gainesville

^ From 2006 to 2010, Florida cities had the 5th highest auto insurance rates in the nation. [2]

Uninsured Motorists in Gainesville

^ There are an estimated 21,578 uninsured motorists driving in Gainesville. [3]

FL Car Insurance

Gainesville Car Insurance

Car Insurance Liability Requirements in Gainesville

  • Minimum Liability Limits in Gainesville: 10/20/10 [4]
    • 10  Required coverage up to $10,000 for one individual injured in an accident
    • 20  Required coverage up to $20,000 for all persons injured in an accident
    • 10  Required coverage up to $10,000 for property damage in an accident
    • Note: The amounts listed above are the minimum coverage amounts required by the law. Drivers can opt to purchase more than the mandatory minimum amounts.
    • Note: Instead of policy limits, policyholders can satisfy the requirement with a combined single limit policy.

Required Car Insurance Coverage in Gainesville

Required Car Insurance Coverage in Gainesville
  • Gainesville Auto Insurance Coverage Requirements [4]
    • Property damage liability coverage
    • Personal injury protection coverage

Car Insurance Verification Laws in Gainesville

  • Insurer Verification of Auto Insurance in Gainesville [4]
    • Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
    • Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.

Gainesville Car Insurance Facts, Estimates & Related Laws

Gainesville Car Insurance Stats

Gainesville Car Insurance Facts, Estimates & Related Laws
  • Number of Auto Insurance Policies in Gainesville
    • Based on historical and current data, 75,663 cars are currently insured in Gainesville. [5]
    • Florida cities collectively ranked 3rd in the nation in auto insurance policies in 2011 with a total of 11,439,646. [1]
  • Uninsured Motorist Rate in Gainesville
    • Based on historical and current data, Gainesville has an estimated 21,578 uninsured drivers. [6]
    • Florida cities collectively had the 5th highest uninsured motorist rate in the nation in 2009. [3]
  • Average Car Insurance Rates in Gainesville
    • Florida cities collectively had the 5th highest auto insurance rates in the nation in 2010. [2]

Gainesville Distracted Driving Laws


  • Hand-held phone ban? No
  • Texting-while-driving ban? Yes
    • Texting-while-driving ban in place for all drivers. [7]
  • Young drivers cell phone ban? No
  • Bus driver cell phone ban? No
  • Enforcement of laws:
    • Primary enforcement in effect. [7]
    • With primary enforcement, a police officer can pull over a driver for that specific offense. Drivers cannot be pulled over solely for a secondary offense.


Gainesville Automotive Laws

  • Minimum Driving Age in Gainesville [9]
    • Gainesville, FL minimum driving age: 15 years.
  • Driver's License Renewal Cycle in Gainesville
    • Renewal cycle: 8 years [7]
  • Motorcycle Helmet Laws in Gainesville
    • Motorcycle helmets required for 20 and younger. [7]
    • All riders younger than 21 years are required to wear helmets, without exception. Those 21 years and older may ride without helmets only if they can show proof that they are covered by a medical insurance policy. [7]
  • Safety Belt Laws in Gainesville
    • Safety belt laws have been in place since 1986 and apply to drivers/passengers 6+ years in front seat; 6 through 17 years in all seats. [7]
    • Child restraint law in place for 3 years and younger. [7]

Florida Car & Driver Facts

Florida Auto Registrations

Florida Car & Driver Facts
  • Auto Registrations in FL [8]
    • Registered Cars: 7,981,816
    • Registered Trucks: 6,878,085
    • Registered Motorcycles: 574,346
    • Total Registrations: 15,469,189
    • Rank: Florida ranked 3rd in the United States in total auto registrations in 2011.

Florida Automotive Facts

  • Speed Limits in FL
    • Rural interstates: 70 mph [7]
    • Urban interstates: 65 mph [7]
    • Other roads: 65 mph [7]
  • Florida Motor Fuel Consumption
    • Florida cities collectively ranked 3rd in the nation in total motor fuel consumption in 2011. [10]

Florida Licensed Drivers

  • Licensed Drivers in FL [11]
    • Female Drivers: 7,124,172
    • Male Drivers: 6,758,251
    • Total Drivers: 13,882,423
    • Rank: 3rd highest in the U.S.

Additional information about Gainesville, FL

About Gainesville

Gainesville (Florida) is a city with a population of 124,354 [12] that is located in Alachua County.

FL Car Insurance

More about Gainesville auto insurance

For more information about Gainesville car insurance, or for additional resources regarding Florida car insurance overall, visit the Florida Department of Insurance.

Did you know?

Motorcyclists are currently required by law to wear a helmet are in place in 19 states and the District of Columbia.

References

1. ^ Automobile Insurance Plans Service Office (AIPSO)

2. ^ National Association of Insurance Commissioners (NAIC)

3. ^ Insurance Research Council (IRC)

4. ^ Insurance Information Institute (III)

5. ^ Automobile Insurance Plans Service Office (AIPSO) & United States Census Bureau

6. ^ Insurance Research Council (IRC) and United States Census Bureau

7. ^ Insurance Institute for Highway Safety (IIHS) & Highway Loss Data Institute

8. ^ Office of Highway Policy Information

9. ^ Insurance Institute for Highway Safety (IIHS)

10. ^ U.S. Department of Transportation

11. ^ Federal Highway Administration

12. ^ United States Census Bureau

13. ^ National Highway Traffic Safety Administration (NHTSA)

14. ^ National Telecommunications & Information Administration (NTIA)

Additional Cities in FL