4.8out of 3,000+ reviews

Cheap Auto Insurance Quotes in Gallatin, TN, for September 2022

Secure. Free. Easy-to-use.
Advertising disclosures
auto insurance

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.
Margaret Wack

By: Margaret Wack

Edited by Danny Smith

Updated August 2, 2022

Quick Facts

  • The average cost of car insurance in Gallatin is $152 per month or $1,824 annually.
  • Car insurance in Gallatin is $29 less than the average cost of insurance in Tennessee.
  • The cheapest top car insurance provider in Gallatin on average is National General.

Car Insurance in Gallatin, TN

Car insurance in Gallatin, Tennessee, costs an average of $152 per month or $1,824 per year. Location is one significant factor that determines car insurance rates, but insurers also take into account what car you drive, your driving history, your credit score, and more. We’ll cover how much insurance costs in Gallatin, plus the best way to compare car insurance quotes online.

Quotes by Top Companies

National General
$96
Travelers
$139
Progressive
$139
Liberty Mutual
$159
Nationwide
$185

Cheapest Car Insurance in Gallatin, TN

What is the cheapest car insurance in Gallatin?

National General is the cheapest top car insurance provider on average in Gallatin, with rates starting at $96 per month. It’s still important to compare car insurance rates, as everyone’s situation and insurance needs are unique.

Since car insurance companies use different formulas to calculate your rates, it’s always a good idea to shop around and get quotes from multiple insurers to ensure you’re getting the best deal possible. Many insurers offer coverage for less than $150 per month on average.

Insurance CompanyAverage Monthly Quote
National General$96
Travelers$139
Progressive$139
Liberty Mutual$159
Nationwide$185
Stillwater$85
Grange$92
Foremost$124
Novo$124
Elephant$130
Hallmark$137
Safeco$138
Direct Auto$139
SafeAuto$140
Acuity$143
GAINSCO$177
Dairyland$184
Midvale Home & Auto$184
Bristol West$195
State Auto$208
The General$209
Freedom National$210
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required

Minimum Car Insurance Requirements in Tennessee

Every state has different laws regarding how much insurance coverage is required for drivers. In Tennessee, drivers must carry bodily injury and property damage liability insurance[1]. Read more on Tennessee’s minimum car insurance requirements.

Gallatin Car Insurance Rates by Driving and Accident History

Your driving history is another factor that can influence how much you pay for car insurance[2]. Drivers with a clean driving record are more likely to have lower car insurance rates since insurance companies view them as less risky. Drivers with issues like speeding tickets, at-fault accidents, and DUIs, on the other hand, are more likely to pay more for an insurance policy.

Driver HistoryAverage Monthly Cost
Clean Record$147
Speeding Ticket$197
At-Fault Accident$215
DUI$293
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Gallatin Car Insurance Rates by Credit Tier

Did you know that your credit score can affect your insurance premiums? While insurers don’t use your credit score directly, they reference many of the same factors that affect your score, including debt, credit history, collections, bankruptcies, and more[3]. Drivers with good credit are more likely to qualify for lower auto insurance rates, while those with poor credit may pay more.

Credit TierAverage Monthly Cost
Excellent$128
Good$151
Average$166
Poor$257
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

How to Get the Cheapest Car Insurance in Gallatin

For Gallatin drivers looking for an affordable auto insurance policy, one of the best ways to secure low rates is to shop around and get personalized car insurance quotes from multiple different insurance companies. This can help you accurately compare real rates in order to ensure that you get the best possible deal on your car insurance policy.

Using Insurify, you can quickly and easily browse personalized quotes from different insurers online. Just enter some information about yourself and your car, and you can browse free quotes and select a policy in just a few minutes. Then, buy it online or by speaking with an insurance agent over the phone.

Frequently Asked Questions

  • Since insurance companies use different formulas to come up with your rates, comparing personalized quotes is recommended in order to get the best insurance rates. Using a tool like Insurify can make this process fast and simple. Some insurance companies also offer discounts for bundling auto insurance with homeowners insurance or renters insurance.

  • Average rates for car insurance in Gallatin are $152 per month or $1,824 per year. While where you live can affect your rates, location is just one of the factors that influence how much your auto insurance policy will cost. Other factors include your car, age, gender, driving history, credit score, and more.

  • Car insurance rates can vary from state to state and even from city to city. Some location-specific factors that can influence how much you pay include the rate of accidents in your area, the percentage of uninsured drivers, the population density, and laws concerning minimum car insurance coverage requirements for property damage and liability insurance.

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required
  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Margaret Wack
Margaret Wack
Linkedin

Personal Finance Writer

Margaret Wack is a personal finance writer with a master's from St. John's College. She has written about finance and insurance topics for publications including Investopedia, Bankrate, MoneyGeek, The Simple Dollar, Money Under 30, and more. She has also written for sites like Angi, US News & World Report, ArtfulTea, and Reviews.com. Connect with Margaret on LinkedIn.

Learn More

Sources

  1. Tennessee Department of Revenue. "State Minimum Car Insurance Requirements." Accessed July 27, 2022
  2. drive-safely.net. "How To Get Your Tennessee Driving Record." Accessed July 27, 2022
  3. Insurance Information Institute. "Credit and insurance scores." Accessed July 27, 2022