Cheapest Car Insurance Quotes in Gonzalez

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408,850 Policies Sold

Gonzalez Car Insurance

^$ 61

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Gonzalez

The car insurance rate in Gonzalez is $1454 for a six-month policy, which is $257 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $919, making it a popular choice for budget-conscious drivers. Rates in Gonzalez can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Gonzalez

$1454

Avg. Car Insurance in Florida

$1711

National Average

$1278

Cheapest Car Insurance Companies in Gonzalez

1st place: Travelers

At $919 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: State Farm

State Farm offers auto insurance rates at $960 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1005 for six months, making it the third cheapest auto insurance company in Gonzalez.

Gonzalez Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Gonzalez, FL is Travelers, offering policies at just $919 for a six-month term. This is followed by State Farm, which has an average six-month premium of $960.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2030 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Gonzalez drivers find the best deals.

Cheap Car Insurance Companies in Gonzalez, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$919	$155
State Farm	$960	$162
Nationwide	$1005	$169
United Automobile Ins Group	$1161	$197
UAIC	$1283	$216
Progressive	$1515	$255
Mercury	$2191	$366
Allstate	$2207	$371
MetLife	$1278	$218
Farmers	$2030	$338

Key Takeaways

Way's key takeaways about car insurance in Gonzalez

The auto insurance costs in Gonzalez fall around $919 for six months.
The cheapest auto insurance company in Gonzalez is Mercury.
Teen drivers pay the highest rate in Gonzalez at $1174 per month.

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Cheapest Minimum Liability Car Insurance in Gonzalez

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Gonzalez are given below.

Mercury provides the cheapest minimum car insurance coverage in Gonzalez. Their Average 6 Month Premium is $364. Farmers is the most expensive at $560 for the same period.

Cheapest Liability Coverage in Gonzalez, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$364	$61
Nationwide	$404	$69
MetLife	$424	$71
AIG	$474	$81
United Automobile Ins Group	$611	$102
Travelers	$707	$119
State Farm	$1046	$176
Progressive	$1747	$294
Allstate	$1959	$330
UAIC	$2287	$389
Patrons Insurance	$106	$18
Farmers	$560	$94

Cheapest Full Coverage Car Insurance in Gonzalez

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Gonzalez is Travelers at $155 per month and $919 for six months.

Cheapest Full Coverage Car Insurance Quotes in Gonzalez, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$919	$155
State Farm	$960	$162
Nationwide	$1005	$169
United Automobile Ins Group	$1161	$197
UAIC	$1283	$216
Progressive	$1515	$255
Mercury	$2191	$366
Allstate	$2207	$371
MetLife	$1278	$218
Farmers	$2030	$338

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Average Car Insurance in Gonzalez by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Gonzalez, FL increasing?

Despite maintaining a clean driving record, your car insurance rates in Gonzalez, Florida, may be increasing due to several external factors. Florida has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Gonzalez's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Gonzalez

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Gonzalez,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Gonzalez at $77 per month. At $6902 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$460	$77
AIG	$621	$105
Travelers	$1661	$280
State Farm	$2050	$345
United Automobile Ins Group	$2863	$477
UAIC	$2933	$499
Allstate	$4362	$734
Mercury	$5382	$906
Progressive	$7912	$1332
Farmers	$6902	$1174

Teen Car Insurance Rates in FL by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Gonzalez, Nationwide is the cheapest car insurance provider. At $550 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Gonzalez is Farmers, offering rates of around $2808 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$550	$94
Mercury	$601	$100
Direct General Insurance	$626	$106
UAIC	$1288	$214
Travelers	$1525	$257
Progressive	$4075	$679
Allstate	$4362	$742
State Farm	$5463	$910
Farmers	$2808	$478

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Car Insurance Rates with An Accident in Gonzalez

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Gonzalez, FL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Gonzalez

The cheapest car insurance companies after an at-fault accident in Gonzalez include Nationwide and AIG, offering $581 and $742, respectively. Farmers is an expensive provider with an average six-month premium of $2832.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$581	$97
AIG	$742	$126
State Farm	$939	$158
Travelers	$955	$161
United Automobile Ins Group	$1510	$252
Mercury	$1560	$263
UAIC	$1686	$281
Progressive	$2782	$468
Allstate	$3857	$649
Farmers	$2832	$472

Gonzalez Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Gonzalez FL. For example, the car insurance in Gonzalez after a DUI increases to $798 for a six month policy. While the rate increases by $243 for a six-month policy in the case of a speeding ticket.

Gonzalez auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1550	$258
One Med/PIP claim	$1550	$264
Not-at-fault accident	$1676	$280
Two Med/PIP claims	$1722	$292
One comp claim	$1747	$292
Child safety restraint	$1752	$298
Failure to wear a seat belt	$1752	$292
Driving without lights	$1757	$298
Failure to show documents	$1757	$293
Speeding 6 - 10 MPH over limit	$1793	$305
Improper passing	$1798	$299
Passing school bus	$1798	$306
Wrong way/wrong lane	$1798	$299
Failure to stop at a red light	$1803	$307
Failure to yield	$1803	$300
Illegal turn	$1803	$307
Cell phone violation	$1808	$301
Driving with expired registration	$1808	$308
Following too closely	$1808	$301
Texting while driving	$1812	$309
Two comp claims	$1853	$309
Driving too slowly	$1863	$317
Speeding in school zone	$1863	$310
Speeding 11 - 15 MPH over limit	$1868	$318
In 65 MPH zone	$1934	$322
Speeding 16 - 20 MPH over limit	$1934	$329
Speeding 21 - 25 MPH over limit	$1944	$324
Open container	$1964	$334
Operating a vehicle without permission	$1964	$327
At-fault accident - less than $1000	$2131	$362
At-fault accident - $1000-$2000	$2166	$361
At-fault accident - greater than $2000	$2166	$368
Racing	$2343	$390
DUI	$2348	$400
Refusal to submit to a chemical test	$2348	$391
Driving with a suspended license	$2389	$406
Reckless driving	$2439	$406
Leaving scene of an accident/hit and run	$2464	$419

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Gonzalez after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Gonzalez.

The cheapest car insurance premiums in Gonzalez are offered by AIG at $546 for a six-month policy. However, it can be as expensive as $2308 with companies like Farmers.

Gonzalez car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$546	$93
Travelers	$1046	$176
State Farm	$1298	$218
Progressive	$1439	$242
Allstate	$1949	$328
UAIC	$2287	$381
Farmers	$2308	$384

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Gonzalez are offered by Nationwide at $474. However, it can be as expensive as $2464 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Gonzalez after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$474	$79
State Farm	$757	$128
Travelers	$934	$157
UAIC	$1288	$219
Allstate	$1393	$235
Progressive	$3272	$556
Farmers	$2464	$419

Car Insurance Price Trends in Gonzalez, Florida

Car insurance rates in Gonzalez have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Gonzalez rose by $241 in February compared to $218 of January. In other words, there has been an increase by $23 when you compare February and January.

The average cost of liability insurance in the Gonzalez rose to $163 in February, compared to $71 in January. This represents an increase of $92 when comparing February and January.

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Frequently Asked Questions

How much is car insurance in Gonzalez?

The car insurance in Gonzalez is $61 per month, which is lower than the national average.

What is the cheapest car insurance in Gonzalez?

The cheapest car insurance in Gonzalez is $155 per month for full coverage.

How much is car insurance in Gonzalez for teenagers?

Car insurance for teenagers costs $460 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Gonzalez?

The average cost of car insurance is $1711 for a six-month policy. It will cost around $244 per month to insure your car in Gonzalez.

Is car insurance expensive in Gonzalez?

Car insurance can be expensive in Gonzalez if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Gonzalez can be affordable.

Cheapest Car Insurance Quotes in Gonzalez

Why you can trust Way?

How Much Is Car Insurance in Gonzalez

Avg. Car Insurance in Gonzalez

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Gonzalez

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Gonzalez Car Insurance Rates by Company

Cheap Car Insurance Companies in Gonzalez, FL

Way's key takeaways about car insurance in Gonzalez

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Gonzalez

Cheapest Liability Coverage in Gonzalez, FL

Cheapest Full Coverage Car Insurance in Gonzalez

Cheapest Full Coverage Car Insurance Quotes in Gonzalez, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Gonzalez by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Gonzalez, FL increasing?

Car Insurance Premiums by Age in Gonzalez

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Gonzalez,FL

If you are in your twenties N/A is the best choice for car insurance in Gonzalez.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Gonzalez

Cheapest Car Insurance Companies after an At-Fault Accident in Gonzalez

Gonzalez Car Insurance Rates by Violation

Gonzalez auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Gonzalez after a DUI

Gonzalez car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Gonzalez after Speeding ticket

Car Insurance Price Trends in Gonzalez, Florida

Average Car Insurance Cost in Gonzalez by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Gonzalez, FL

Car Insurance Rates by State in the USA (2025 Update)

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