Gallatin, TN Car Insurance

Residents of Gallatin pay around $56 monthly for their car insurance coverage. To learn more about what you're likely to pay in the Gallatin area, read our guide below.
What should residents of Gallatin expect to pay for their car insurance? How does Gallatin compare to the surrounding area and the rest of Tennessee? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Gallatin?

Area Average Monthly Car Insurance Premium
Gallatin$56
TN$52
United States$80

You can see in the chart above that it's around $4 a month more expensive to insure your vehicle in Gallatin than it is in the rest of Tennessee.

If you're thinking of moving to Gallatin from out of state, you may still be in luck. The average monthly payment for the U.S. as a whole is about $24 more expensive than in Gallatin.

Although these are the average rates for auto insurance in Gallatin, that doesn't mean it's exactly what you'll pay. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.

Don't worry, we've done the work for you and broken down the average rates for Gallatin to help you understand what your monthly premium might be. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$80
25-34$46
35-44$47
45-54$40
55-64$40
65+$47

It's pretty safe to assume that the older you are, the more experience you have as a driver. When it comes to car insurance bills, that experience pays off. As you can see, 18-24-year-olds pay significantly more than drivers of retirement age.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement, however, your rates may creep back up in Gallatin.

Average Car Insurance Rates by Gender

Gender Average
Male$58
Female$53

In general, women pay slightly less for car insurance than men. In Gallatin, male drivers pay about $5 more a month. As you can see in the table above, female drivers in the area typically pay $53 on average, while female drivers typically pay $58 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$91
Multiple Accidents$88
1 Ticket$76
Multiple Tickets$99

Your rates can vary wildly depending on your driving record. Those with clean records will obviously pay less than those with infractions. In Gallatin, a driving record with a single accident will usually get you a rate around $91 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $76 on average.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$29
2-3 Years$56
4-5 Years$41
6-7 Years$49
8-10 Years$51
11-14 Years$62
15 Years or Older$59

According to the first table above, the cheapest vehicles to insure in Gallatin are typically cars, at $52 per month.

Meanwhile, Gallatin drivers who own an SUV, truck, or van, can expect to pay about $62 for auto insurance.

In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. In Gallatin, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$59
Married$40
Divorced$52
Widowed$38

On average, those who are currently married will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

The difference in rates based on relationship status in Gallatin is about $19 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$48
Rent$51
Live with parents$95

Another factor taken into consideration is your living accommodations. If you rent your home or apartment in Gallatin, expect to pay around $3 a month more than if you own your home. Those who live with their parents, however, can expect to pay a lot more.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in Gallatin, TN

Recent trends in car insurance for Gallatin drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an auto insurance policy.

Auto insurance rates in Gallatin dropped from 2016-2018, before leveling out in 2019. Policy premiums decreased again recently, reaching a low of $43 in 2021.

How does Gallatin compare to neighboring areas?

Why are car insurance rates in Gallatin different from other areas?

When considering how much to charge for coverage, car insurance companies will review many factors. While we mentioned the factors that affect your personal policy, others are based around where you call home. These include things like:

  • Amount of drivers in the community
  • Area crime rates
  • Road safety
  • Area regulations
  • Off-street parking accessibility

While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.

How can I find the cheapest car insurance in Gallatin?

Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Fortunately, Compare.com has you covered. Enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies providing policies in Gallatin in no time.

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Gallatin Insurance FAQs

What factors affect car insurance quotes in Gallatin?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.

Why is the cost of car insurance in Gallatin different from other neighboring cities?

Things like crime rates, parking situations, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

Which car insurance company will offer me the cheapest rate in Gallatin?

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Gallatin?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Gallatin or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes