Gallatin, TN Car Insurance

Drivers in Gallatin pay around $55 a month for their car insurance. To find out more check out our guide below.
How does Gallatin stack up to the rest of the area, or even Tennessee as a whole? What can Gallatin residents expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Gallatin?

Area Average Monthly Car Insurance Premium
Gallatin$55
TN$53
United States$81

Based on the chart above, you can see that auto insurance rates in Gallatin are in line with rates across 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 in Gallatin is about $26 cheaper than the rate for the rest of the U.S.

Although these are the average car insurance rates in Gallatin, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. The monthly premium you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

We've broken down average rates for Gallatin to help you understand what your policy's monthly premium will cost. 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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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$80
25-34$52
35-44$48
45-54$45
55-64$39
65+$46

It's pretty safe to assume that the older you are, the more experience you have as a driver. That experience can snag you some serious savings when it comes to auto insurance. In this case, 18-24-year-olds pay a lot more than drivers 65 and older.

For every 10 years, you can expect to see a drop in your monthly premium. Gallatin drivers may see their rates climb back up once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$55
Female$56

In general, women pay slightly less for car insurance than men. While this isn't true in Gallatin, the difference in monthly rates is minimal.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$87
Multiple Accidents$87
1 Ticket$69
Multiple Tickets$73

Rates can change drastically depending on your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. Drivers in Gallatin with a single accident will pay around $87 a month. In addition, drivers with one ticket can expect to pay around $69 a month on average.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$29
2-3 Years$56
4-5 Years$45
6-7 Years$50
8-10 Years$52
11-14 Years$65
15 Years or Older$55

The most affordable vehicles to insure in Gallatin are typically cars, which run about $53 per month.

Truck and van drivers will see rates of about $54 for insurance coverage, while SUV owners usually pay around $61 a month.

Vehicle age can also affect your monthly bill. Newer vehicles are generally 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$48
Widowed$38

Overall, those who have settled down into marriage will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

According to the table above, the difference in rates based on relationship status in Gallatin can be as much as $19 a month, so it's worth taking into consideration.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$48
Rent$54
Live with parents$95

Another factor taken into consideration is your living accommodations. Those who own their own home in Gallatin can expect to pay around $6 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your overall costs, depending on your insurance company.

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 picking an insurance policy.

In Gallatin, auto insurance rates decreased from 2017-2018, where they reached a low of $45, before leveling out in 2019. Rates have been decreasing again since 2020, and finished down at $52 in 2022.

How does Gallatin compare to neighboring areas?

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

There are numerous factors car insurance companies take into consideration when choosing how much to charge for coverage. The specifics of where you park your car will have an impact on your personal policy. This might include things like:

  • Amount of drivers in the community
  • Road Safety (frequency of local car accidents)
  • Availability of off-street parking
  • Prevalence of crime
  • Community regulations

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Each area will have different rates. Guides like these are a wonderful 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.

But wait! Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering coverage in Gallatin.

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Gallatin 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 address, credit score, driving record, and marital status.

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

Local laws, crime rates, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

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

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.

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

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Gallatin or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

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