Cheapest Car Insurance Quotes in Gallatin

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Gallatin Car Insurance

^$ 23

/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 Gallatin

The car insurance rate in Gallatin is $860 for a six-month policy, which is $18 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $419, making it a popular choice for budget-conscious drivers. Rates in Gallatin 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 Gallatin

$860

Avg. Car Insurance in Tennessee

$878

National Average

$1278

Cheapest Car Insurance Companies in Gallatin

1st place: AutoOwners Insurance Co

At $419 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Westfield

Westfield offers auto insurance rates at $442 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Tennessee Farm Bureau

Tennessee Farm Bureau offers auto insurance rates at $471 for six months, making it the third cheapest auto insurance company in Gallatin.

Gallatin Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Gallatin, TN is AutoOwners Insurance Co, offering policies at just $419 for a six-month term. This is followed by Westfield, which has an average six-month premium of $442.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1414 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Gallatin drivers find the best deals.

Cheap Car Insurance Companies in Gallatin, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$419	$72
Westfield	$442	$74
Tennessee Farm Bureau	$471	$80
Erie	$658	$111
Travelers	$687	$116
USAA	$745	$125
Grange	$809	$136
Farm Bureau of Tennessee	$838	$140
Auto-Owners	$861	$146
Farmers	$931	$157
Tennessee Farmers	$937	$160
Penn National	$1013	$169
Nationwide	$1123	$191
State Farm	$1135	$191
Progressive	$1293	$218
Allstate	$1414	$236

Key Takeaways

Way's key takeaways about car insurance in Gallatin

The auto insurance costs in Gallatin fall around $419 for six months.
The cheapest auto insurance company in Gallatin is Westfield.
Teen drivers pay the highest rate in Gallatin at $881 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Gallatin

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 Gallatin are given below.

Westfield provides the cheapest minimum car insurance coverage in Gallatin. Their Average 6 Month Premium is $134. Allstate is the most expensive at $471 for the same period.

Cheapest Liability Coverage in Gallatin, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$134	$23
Auto-Owners Insurance Co	$157	$26
Tennessee Farm Bureau	$163	$27
Farm Bureau of Tennessee	$169	$28
Tennessee Farmers	$192	$32
USAA	$192	$32
Cincinnati	$198	$33
Erie	$221	$37
Travelers	$221	$37
Penn National	$239	$40
Auto-Owners	$250	$42
Farmers	$273	$46
State Farm	$285	$48
Progressive	$320	$54
Allstate	$471	$79

Cheapest Full Coverage Car Insurance in Gallatin

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 Gallatin is AutoOwners Insurance Co at $72 per month and $419 for six months.

Cheapest Full Coverage Car Insurance Quotes in Gallatin, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$419	$72
Westfield	$442	$74
Tennessee Farm Bureau	$471	$80
Erie	$658	$111
Travelers	$687	$116
USAA	$745	$125
Grange	$809	$136
Farm Bureau of Tennessee	$838	$140
Auto-Owners	$861	$146
Farmers	$931	$157
Tennessee Farmers	$937	$160
Penn National	$1013	$169
Nationwide	$1123	$191
State Farm	$1135	$191
Progressive	$1293	$218
Allstate	$1414	$236

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Average Car Insurance in Gallatin 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 Gallatin, TN increasing?

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

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

Car Insurance Premiums by Age in Gallatin

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 Gallatin,TN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Gallatin at $26 per month. At $5181 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$157	$26
Tennessee Farm Bureau	$221	$37
Auto-Owners Insurance Co	$233	$39
Grange	$250	$42
Cincinnati	$256	$43
Erie	$861	$145
USAA	$861	$145
Travelers	$908	$153
State Farm	$1374	$231
Farmers	$1572	$265
Progressive	$2323	$391
Auto-Owners	$2986	$498
Allstate	$5181	$881

Teen Car Insurance Rates in TN 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 Gallatin, Tennessee Farm Bureau is the cheapest car insurance provider. At $186 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 Gallatin is State Farm, offering rates of around $4878 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$186	$31
Westfield	$244	$41
Grange	$291	$49
Cincinnati	$343	$59
Travelers	$873	$147
Farmers	$1007	$170
USAA	$1030	$172
Progressive	$1158	$195
Erie	$1182	$199
Auto-Owners	$2277	$387
Allstate	$2463	$411
State Farm	$4878	$829

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Car Insurance Rates with An Accident in Gallatin

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 Gallatin, TN, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Gallatin include Tennessee Farm Bureau and Farm Bureau of Tennessee, offering $163 and $169, respectively. Allstate is an expensive provider with an average six-month premium of $2823.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$163	$27
Farm Bureau of Tennessee	$169	$28
Westfield	$227	$38
Auto-Owners Insurance Co	$291	$50
Grange	$315	$52
Travelers	$483	$81
Erie	$530	$89
USAA	$541	$91
State Farm	$576	$97
Farmers	$658	$111
Progressive	$1007	$170
Auto-Owners	$1467	$250
Allstate	$2823	$470

Gallatin Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Gallatin TN. For example, the car insurance in Gallatin after a DUI increases to $972 for a six month policy. While the rate increases by $186 for a six-month policy in the case of a speeding ticket.

Gallatin auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$972	$162
Not-at-fault accident	$978	$167
One Med/PIP claim	$984	$164
One comp claim	$996	$170
Two comp claims	$1007	$168
Two Med/PIP claims	$1007	$172
Failure to wear a seat belt	$1117	$186
Failure to show documents	$1135	$193
Child safety restraint	$1141	$190
Driving without lights	$1141	$194
Cell phone violation	$1158	$193
Driving with expired registration	$1158	$197
Speeding 6 - 10 MPH over limit	$1158	$193
Driving too slowly	$1164	$198
Speeding 11 - 15 MPH over limit	$1164	$194
Speeding in school zone	$1164	$198
Failure to yield	$1170	$195
Following too closely	$1170	$199
Illegal turn	$1170	$195
Speeding 16 - 20 MPH over limit	$1170	$199
Texting while driving	$1170	$195
Improper passing	$1182	$201
Wrong way/wrong lane	$1182	$197
Failure to stop at a red light	$1188	$202
In 65 MPH zone	$1205	$201
Speeding 21 - 25 MPH over limit	$1234	$210
At-fault accident - less than $1000	$1251	$209
Passing school bus	$1251	$213
Operating a vehicle without permission	$1327	$221
Open container	$1339	$227
At-fault accident - $1000-$2000	$1444	$241
At-fault accident - greater than $2000	$1444	$245
Reckless driving	$1822	$304
Racing	$1828	$311
Driving with a suspended license	$1875	$313
Refusal to submit to a chemical test	$1909	$324
DUI	$1944	$324
Leaving scene of an accident/hit and run	$1944	$330

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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 Gallatin 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 Gallatin.

The cheapest car insurance premiums in Gallatin are offered by Tennessee Farm Bureau at $256 for a six-month policy. However, it can be as expensive as $2049 with companies like AutoOwners.

Gallatin car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$256	$43
Grange	$396	$66
Travelers	$675	$114
Farmers	$774	$130
USAA	$920	$155
Erie	$955	$161
Progressive	$960	$162
Tennessee Farmers	$1129	$188
State Farm	$1141	$192
Allstate	$1752	$295
Auto-Owners	$2049	$349

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 Gallatin are offered by Westfield at $157. However, it can be as expensive as $2067 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Gallatin after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$157	$26
Tennessee Farm Bureau	$163	$27
Auto-Owners Insurance Co	$227	$38
Cincinnati	$239	$40
Chubb	$262	$44
Erie	$564	$95
Travelers	$669	$113
USAA	$687	$117
State Farm	$745	$125
Auto-Owners	$861	$146
Progressive	$1077	$181
Farmers	$1467	$250
Allstate	$2067	$344

Car Insurance Price Trends in Gallatin, Tennessee

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

The average cost of full coverage in the Gallatin rose by $171 in January compared to $94 of December. In other words, there has been an increase by $77 when you compare January and December.

The average cost of liability insurance in the Gallatin rose to $41 in January, compared to $36 in December. This represents an increase of $5 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Gallatin?

The car insurance in Gallatin is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Gallatin?

The cheapest car insurance in Gallatin is $72 per month for full coverage.

How much is car insurance in Gallatin for teenagers?

Car insurance for teenagers costs $157 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 Gallatin?

The average cost of car insurance is $878 for a six-month policy. It will cost around $145 per month to insure your car in Gallatin.

Is car insurance expensive in Gallatin?

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

Cheapest Car Insurance Quotes in Gallatin

Why you can trust Way?

How Much Is Car Insurance in Gallatin

Avg. Car Insurance in Gallatin

Avg. Car Insurance in Tennessee

National Average

Cheapest Car Insurance Companies in Gallatin

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Tennessee Farm Bureau

Gallatin Car Insurance Rates by Company

Cheap Car Insurance Companies in Gallatin, TN

Way's key takeaways about car insurance in Gallatin

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Gallatin

Cheapest Liability Coverage in Gallatin, TN

Cheapest Full Coverage Car Insurance in Gallatin

Cheapest Full Coverage Car Insurance Quotes in Gallatin, TN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Gallatin by Rating Factor

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

Car Insurance Premiums by Age in Gallatin

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Gallatin,TN

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

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 Gallatin

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

Gallatin Car Insurance Rates by Violation

Gallatin auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Gallatin after a DUI

Gallatin car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Gallatin after Speeding ticket

Car Insurance Price Trends in Gallatin, Tennessee

Average Car Insurance Cost in Gallatin by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Gallatin, TN

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

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