Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 13, 2022

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Just What's Essential

  • Average car insurance rates in Gallatin, TN for senior drivers are $1,684/year
  • The cheapest car insurance company in Gallatin after a DUI is State Farm
  • Average car insurance rates in Gallatin, TN are $263/month

Average car insurance rates in Gallatin, Tennessee are $263 a month. But with a little research you can get a great deal from the top car insurance companies in Gallatin, TN. Before you buy Gallatin, Tennessee car insurance, make sure your coverage meets or exceeds the Tennessee minimum of 25/50/15.

It may even be helpful to compare Gallatin car insurance rates with Murfreesboro car insurance rates, Chattanooga car insurance rates, or Knoxville car insurance rates to make sure you’re getting the best Gallatin, TN car insurance quotes available.

Need affordable Gallatin, TN car insurance? Enter your ZIP code to compare Gallatin car insurance quotes from multiple car insurance companies near you.

Gallatin, TN Minimum Car Insurance Coverage

Gallatin, Tennessee law requires drivers carry a minimum of 25/50/15 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Gallatin, Tennessee

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $15,000 minimum

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Gallatin, TN Car Insurance Rates by Coverage Level

Some Gallatin drivers can get by with the Tennessee minimum coverage of 25/50/15. Other drivers may need more. See how much your Gallatin, Tennessee car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Gallatin, Tennessee

Insurance Company Low Medium High
Allstate $4,444 $4,610 $4,815
Farmers $2,655 $2,797 $2,975
GEICO $2,824 $2,966 $3,119
Liberty Mutual $5,456 $5,714 $5,967
Nationwide $3,367 $3,277 $3,408
Progressive $3,265 $3,508 $3,748
State Farm $2,464 $2,640 $2,776
Travelers $2,501 $2,669 $2,845
USAA $2,625 $2,702 $2,808

Gallatin, TN Car Insurance Rates by Age, Gender, and Marital Status

Gallatin, Tennessee car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Gallatin, TN car insurance, get quotes from multiple car insurance companies in the Gallatin area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Gallatin, Tennessee

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,668 $2,560 $2,410 $2,500 $10,089 $10,999 $2,834 $2,924
Farmers $1,489 $1,518 $1,334 $1,468 $6,054 $6,450 $2,020 $2,137
GEICO $1,943 $1,957 $1,785 $1,785 $6,080 $6,172 $1,985 $2,049
Nationwide $2,142 $2,157 $1,922 $1,950 $5,903 $7,600 $2,463 $2,669
Progressive $1,764 $1,655 $1,440 $1,507 $8,118 $9,131 $2,124 $2,318
State Farm $1,580 $1,580 $1,434 $1,434 $4,942 $6,178 $1,789 $2,078
Travelers $1,702 $1,790 $1,561 $1,660 $4,873 $6,078 $1,808 $1,902
USAA $1,523 $1,546 $1,377 $1,373 $5,481 $6,295 $1,989 $2,112

Gallatin, TN Car Insurance Rates for Teens

How much is Gallatin, Tennessee car insurance for teens? Compare rates from top Gallatin car insurance companies below to help find the cheapest teen car insurance in Gallatin, TN.

Annual Car Insurance Rates for Teen Drivers in Gallatin, Tennessee

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,089 $10,999
Farmers $6,054 $6,450
GEICO $6,080 $6,172
Nationwide $5,903 $7,600
Progressive $8,118 $9,131
State Farm $4,942 $6,178
Travelers $4,873 $6,078
USAA $5,481 $6,295

Gallatin, TN Car Insurance Rates for Seniors

Before seniors buy Gallatin, Tennessee car insurance, they should make sure to shop around. Some Gallatin, TN car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Gallatin, Tennessee

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,410 $2,500
Farmers $1,334 $1,468
GEICO $1,785 $1,785
Nationwide $1,922 $1,950
Progressive $1,440 $1,507
State Farm $1,434 $1,434
Travelers $1,561 $1,660
USAA $1,377 $1,373

Gallatin, TN Car Insurance Rates by Credit History

How does your credit history affect Gallatin, TN car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Gallatin, Tennessee

Insurance Company Poor Fair Good
Allstate $5,895 $4,520 $3,454
Farmers $3,337 $2,615 $2,474
GEICO $3,365 $2,887 $2,656
Liberty Mutual $8,161 $5,035 $3,941
Nationwide $4,014 $3,199 $2,838
Progressive $3,930 $3,404 $3,187
State Farm $3,815 $2,288 $1,777
Travelers $3,390 $2,676 $1,950
USAA $3,924 $2,307 $1,904

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Gallatin, TN Car Insurance Rates by Driver History

How does a single speeding ticket affect your Gallatin, Tennessee car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Gallatin.

Annual Gallatin, Tennessee Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,870 $4,614 $5,579 $4,429
Farmers $2,404 $2,965 $3,026 $2,840
GEICO $2,168 $2,893 $4,649 $2,168
Liberty Mutual $4,631 $6,688 $6,209 $5,321
Nationwide $2,902 $2,902 $4,347 $3,251
Progressive $3,088 $4,019 $3,288 $3,633
State Farm $2,387 $2,866 $2,627 $2,627
Travelers $2,164 $2,781 $3,081 $2,661
USAA $1,970 $2,958 $3,472 $2,446

Gallatin, TN Car Insurance Rates With a DUI

Even a single DUI can increase your Gallatin, TN car insurance rates. Compare rates below to see which Gallatin car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Gallatin, Tennessee

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,579
Farmers $3,026
GEICO $4,649
Liberty Mutual $6,209
Nationwide $4,347
Progressive $3,288
State Farm $2,627
Travelers $3,081
USAA $3,472

Gallatin, TN Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Gallatin, TN car insurance rates may be. Let’s take a look at average car insurance rates from top Gallatin companies based on commute time.

Annual Car Insurance Rates by Commute Length in Gallatin, Tennessee

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,623 $4,623
Farmers $2,809 $2,809
GEICO $2,948 $2,990
Liberty Mutual $5,712 $5,712
Nationwide $3,351 $3,351
Progressive $3,507 $3,507
State Farm $2,563 $2,690
Travelers $2,567 $2,777
USAA $2,636 $2,787

Gallatin, TN Cheapest Car Insurance Rates

How do the top Gallatin, Tennessee car insurance companies’ average rates stack up against the Gallatin average monthly car insurance rates of $263? Take a look and see.

Best Annual Car Insurance Rates by Company in Gallatin, Tennessee

Category Insurance Company
Teenagers Travelers
Seniors USAA
Clean Record USAA
With 1 Accident Travelers
With 1 DUI State Farm
With 1 Speeding Violation GEICO

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Gallatin, TN Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Gallatin, Tennessee car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Gallatin, Tennessee

Insurance Company Average Annual Rates
Allstate $4,623
Farmers $2,809
GEICO $2,969
Nationwide $3,351
Progressive $3,507
State Farm $2,627
Travelers $2,672
USAA $2,712

Other Factors Affecting Gallatin, TN Car Insurance Rates

Before you buy Gallatin, Tennessee car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Gallatin, TN Commute Time

How does your Gallatin, TN commute time compare with the average driver? In Gallatin, the average commute is 27.0 minutes.

Gallatin, TN Car Insurance Quotes

Compare Gallatin, TN car insurance quotes from multiple companies by entering your ZIP code now.