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How much is car insurance in Gallatin?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the rates you'll pay for coverage in Gallatin are about the same as what you would pay anywhere else in Tennessee.
Drivers relocating from out of state may enjoy some cost savings in Gallatin. The average monthly payment for the U.S. as a whole is about $24 more expensive than in Gallatin.
Bear in mind that while these rates are the average costs for residents of Gallatin, it doesn't mean that's what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.
But don't worry, we've broken down average rates for Gallatin residents so that you can get a more accurate idea of what you might pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!
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Gallatin Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally speaking, the older you are, the more experience you have driving, right? When it comes to car insurance rates, that experience can really pay off. In this case, 18-24-year-olds pay significantly more than someone who is at retirement age.
You can expect to see your monthly premium drop every 10 years or so. Gallatin drivers may see their rates climb back up once they hit retirement.
Gallatin Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. In Gallatin, however, the difference in monthly policy premiums is minimal.
Gallatin Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions. In Gallatin, drivers with one accident on their record will experience rates around $87 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $67 on average.
Accidents, tickets, and other driving infractions can really hurt your wallet. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Gallatin Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$29|
|15 Years or Older||$57|
As you can see in the first table above, the cheapest vehicles to insure in Gallatin are typically trucks and vans, which run about $53 per month.
Car owners can expect to pay an average of around $55 a month for their policy, while SUVs usually cost around $60 a month to insure.
The age of your vehicle has an impact on the cost of your policy as well. 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 monthly premium decrease. In Gallatin, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Gallatin Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$59|
Overall, those who are currently married will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Gallatin is no exception, with the difference totaling to around $19 a month.
Gallatin Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$103|
One other element taken into consideration is your living situation. Homeowners in Gallatin can expect to pay around $6 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average costs.
Car Insurance Companies in Gallatin, TN
Recent trends in car insurance for Gallatin drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
In Gallatin, car insurance rates decreased from 2017-2018, where they reached a low of $45, before leveling out in 2019. Car insurance rates decreased again in 2020, and finished up at $55 in 2022.
How does Gallatin compare to neighboring areas?
Why are car insurance rates in Gallatin different from other areas?
There are many factors car insurance companies will consider when deciding how much to charge for a monthly rate. While we mentioned the factors that affect your personal policy, others are based around where you call home. These include things like:
- Area regulations
- Off-street parking availability
- Road Safety (frequency of local car accidents)
- Total amount of drivers in the area
- Crime levels
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Gallatin?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Fortunately, Compare.com has you covered. Just enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering policies in Gallatin in no time.
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Gallatin Auto Insurance FAQs
What factors affect car insurance quotes in Gallatin?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Gallatin different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Gallatin?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Gallatin?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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?
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