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Gainesville Car Insurance Resources

Gainesville, GA Car Insurance

Cars Insured in Gainesville

^ There are an estimated 24,300 vehicles currently insured in Gainesville. [1]

Car Insurance Rates in Gainesville

^ From 2006 to 2010, Georgia cities had the 21st highest auto insurance rates in the nation. [2]

Uninsured Motorists in Gainesville

^ There are an estimated 3,564 uninsured motorists driving in Gainesville. [3]

GA Car Insurance

Gainesville Car Insurance

Car Insurance Liability Requirements in Gainesville

  • Minimum Liability Limits in Gainesville: 25/50/25 [4]
    • 25  Required coverage up to $25,000 for one individual injured in an accident
    • 50  Required coverage up to $50,000 for all persons injured in an accident
    • 25  Required coverage up to $25,000 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.

Required Car Insurance Coverage in Gainesville

Required Car Insurance Coverage in Gainesville
  • Gainesville Auto Insurance Coverage Requirements [4]
    • Bodily injury liability coverage
    • Property damage liability 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, 24,300 cars are currently insured in Gainesville. [5]
    • Georgia cities collectively ranked 9th in the nation in auto insurance policies in 2011 with a total of 6,963,952. [1]
  • Uninsured Motorist Rate in Gainesville
    • Based on historical and current data, Gainesville has an estimated 3,564 uninsured drivers. [6]
    • Georgia cities collectively had the 13th highest uninsured motorist rate in the nation in 2009. [3]
  • Average Car Insurance Rates in Gainesville
    • Georgia cities collectively had the 20th 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? Yes
    • Ban applies to drivers younger than 18. [7]
  • Bus driver cell phone ban? Yes
    • Ban applies to school bus drivers. [7]
  • 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, GA minimum driving age: 15 years.
  • Driver's License Renewal Cycle in Gainesville
    • Renewal cycle: 5 or 8 years [7]
  • Motorcycle Helmet Laws in Gainesville
    • Motorcycle helmets required for all riders. [7]
  • Safety Belt Laws in Gainesville
    • Safety belt laws have been in place since 1988 and apply to drivers/passengers 8 through 17 years in all seats; 18+ years in front seat. [7]
    • Child restraint law in place for 7 years and younger and 57 inches or less. [7]

Georgia Car & Driver Facts

Georgia Auto Registrations

Georgia Car & Driver Facts
  • Auto Registrations in GA [8]
    • Registered Cars: 3,430,165
    • Registered Trucks: 3,876,723
    • Registered Motorcycles: 199,620
    • Total Registrations: 7,533,735
    • Rank: Georgia ranked 10th in the United States in total auto registrations in 2011.

Georgia Automotive Facts

  • Speed Limits in GA
    • Rural interstates: 70 mph [7]
    • Urban interstates: 65 mph [7]
    • Other roads: 65 mph [7]
  • Georgia Motor Fuel Consumption
    • Georgia cities collectively ranked 8th in the nation in total motor fuel consumption in 2011. [10]

Georgia Licensed Drivers

  • Licensed Drivers in GA [11]
    • Female Drivers: 3,399,477
    • Male Drivers: 3,106,213
    • Total Drivers: 6,505,690
    • Rank: 11th highest in the U.S.

Additional information about Gainesville, GA

About Gainesville

Gainesville (Georgia) is a city with a population of 33,804 [12] that is located in Hall County.

GA Car Insurance

More about Gainesville auto insurance

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

Did you know?

Under secondary laws, a police officer must have some other reason to stop a vehicle before citing a driver for that offense.

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 GA