Best Value · Gallatin
Affordable Insurance Agents in Gallatin, TN
Find quality insurance agents that fit your budget. Compare prices, read reviews, and request free quotes — no obligation.
As of July 2026, RatingsNearMe ranks 20 insurance agents in Gallatin, TN by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Gaffney Insurance Agency & Financial Services LLC with a 4.9-star rating from 196 Google reviews and an RNM Score of 97/100. Also in the top tier: Johnson Family Insurance and Farmers Insurance - Elizabeth Hobdy Jones. The average rating across all listed insurance agents in Gallatin is 4.7 stars from 88 reviews per business on average.
Insurance in Gallatin: agents are typically paid by commission (5–15% of premium) — no cost to you to compare quotes.
Rankings updated July 4, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
Newman Insurance Agency
Newman Insurance Agency is consistently top-ranked for its strong reputation and trusted service in the Gallatin community.
Most Reviewed
Newman Insurance Agency
A high number of reviews indicates a broad base of customer experiences, helping you gauge reliability and service quality.
When choosing an insurance agent in Gallatin, compare quotes from multiple agencies and read recent reviews to ensure the agent meets your specific coverage needs.
Local Market Snapshot
20
Businesses listed
4.7★
Avg rating
88
Avg reviews
Jul 4, 2026
Last updated
Top Rated Insurance Agents
Trusted by hundreds of local clients with a near-perfect 4.9-star rating.
180 Belvedere Dr N STE 11, Gallatin, TN 37066, USAGallatin insurance agent with a 4.9-star rating from over 140 Google reviews.
1517 Hunt Club Blvd Suite 100, Gallatin, TN 37066, USATrusted by hundreds with a 4.8-star rating for reliable insurance guidance.
402 Maple St, Gallatin, TN 37066, USAInsurance Agents Rankings in Gallatin, TN
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Gaffney Insurance Agency & Financial Services LLC180 Belvedere Dr N STE 11, Gallatin, TN 37066, USA | 4.9★ | 196 |
| #2 | Johnson Family Insurance1517 Hunt Club Blvd Suite 100, Gallatin, TN 37066, USA | 4.9★ | 143 |
| #3 | Farmers Insurance - Elizabeth Hobdy Jones402 Maple St, Gallatin, TN 37066, USA | 4.8★ | 130 |
| #4 | Lee Raines Insurance Agency819 N Water Ave, Gallatin, TN 37066, USA | 4.4★ | 56 |
| #5 | Coley Insurance Agency113 E Main St, Gallatin, TN 37066, USA | 5.0★ | 6 |
| #6 | Ingram Aviation Insurance901 Airport Rd, Gallatin, TN 37066, USA | 5.0★ | 2 |
| #7 | Holt Insurance518 W Main St, Gallatin, TN 37066, USA | 4.3★ | 13 |
| #8 | Fast Insurance TN135 W Eastland Ave #200, Gallatin, TN 37066, USA | 5.0★ | 11 |
| #9 | Newman Insurance Agency1048 S Water Ave, Gallatin, TN 37066, USA | 4.3★ | 7 |
| #10 | Farmers Insurance - Michael Lajoie117 W Main St Suite 2, Gallatin, TN 37066, USA | 4.5★ | 11 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Insurance Agents in Gallatin
Rated 4.4 stars from 56 reviews, offering trusted local insurance guidance.
819 N Water Ave, Gallatin, TN 37066, USA
5.0 stars from 6 Google reviews, reflecting exceptional client satisfaction.
113 E Main St, Gallatin, TN 37066, USA
Rated 5.0 stars from 2 Google reviews, this Gallatin insurance agent is highly regarded.
901 Airport Rd, Gallatin, TN 37066, USA
4.3 stars from 13 Google reviews, reflecting solid local reputation.
518 W Main St, Gallatin, TN 37066, USA
Gallatin insurance agent with a perfect 5.0-star rating from 11 Google reviews.
135 W Eastland Ave #200, Gallatin, TN 37066, USA
A solid 4.3-star rating from 7 Google reviews reflects dependable local service.
1048 S Water Ave, Gallatin, TN 37066, USA
Trusted local insurance agent with a strong 4.5-star rating from 11 reviews.
117 W Main St Suite 2, Gallatin, TN 37066, USA
Trusted by locals with a strong 4.6-star rating from 66 reviews.
180 Belvedere Dr N Suite 14A, Gallatin, TN 37066, USA
Top-rated local insurance agent with 4.9 stars across dozens of reviews.
124 Goodview Way suite c, Gallatin, TN 37066, USA
Gallatin's top-rated insurance agent with a 4.9-star average across 207 reviews.
400 N Boyers Ave, Gallatin, TN 37066, USA
Gallatin insurance agent with a 4.8-star rating from 17 reviews.
106 Public Square #210, Gallatin, TN 37066, USA
Rated 3.5 stars from 8 Google reviews, reflecting mixed customer feedback.
118 Public Square, Gallatin, TN 37066, USA
Boasts a perfect 5.0-star rating from 24 glowing customer reviews.
170 W Franklin St, Gallatin, TN 37066, USA
Gallatin insurance agent with a perfect 5.0★ rating from 20 reviews.
341 Hancock St Ste 2, Gallatin, TN 37066, USA
Top-rated 4.9★ from over 700 reviews for reliable local insurance guidance.
180 Belvedere Dr N Suite 2, Gallatin, TN 37066, USA
Praised by customers with a 4.5-star rating from 74 reviews.
208 N Locust Ave, Gallatin, TN 37066, USA
Exceptional 5.0-star rating from two Google reviews in Gallatin, TN.
1194 Long Hollow Pike, Gallatin, TN 37066, USA
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Insurance Agents in Gallatin, TN — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Gaffney Insurance Agency & Financial Services LLC | 97/100 | 4.9 ★ | 196 |
| 2 | Johnson Family Insurance | 95/100 | 4.9 ★ | 143 |
| 3 | Farmers Insurance - Elizabeth Hobdy Jones | 93/100 | 4.8 ★ | 130 |
| 4 | Lee Raines Insurance Agency | 82/100 | 4.4 ★ | 56 |
| 5 | Coley Insurance Agency | 81/100 | 5.0 ★ | 6 |
| 6 | Ingram Aviation Insurance | 76/100 | 5.0 ★ | 2 |
| 7 | Holt Insurance | 72/100 | 4.3 ★ | 13 |
| 8 | Fast Insurance TN | 72/100 | 5.0 ★ | 11 |
| 9 | Newman Insurance Agency | 69/100 | 4.3 ★ | 7 |
| 10 | Farmers Insurance - Michael Lajoie | 75/100 | 4.5 ★ | 11 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · July 2026
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Frequently Asked Questions — Insurance Agents in Gallatin
What is the difference between a captive and independent insurance agent in Gallatin?
Captive agents (State Farm, Allstate, Farmers) represent one company and can only quote that carrier's products. Independent agents work with multiple carriers — they shop your policy across companies to find the best rate and coverage for your situation. For most consumers, an independent agent offers more flexibility. Captive agents may have deeper expertise in their specific carrier's products and claims process.
How do I verify an insurance agent's license in TN?
Search the TN Department of Insurance's online license lookup — Google "TN Department of Insurance license lookup" for the direct link. You can verify current license status, license type, and any disciplinary actions. Every agent selling insurance in TN must be licensed with the state.
How much does working with a local insurance agent in Gallatin cost?
In most cases, nothing directly. Insurance agents earn commissions paid by the insurance company — typically 5–15% of your annual premium for property/casualty coverage, 40–100% of first-year premium for life insurance. Fee-based agents charge separately and disclose it upfront. Always ask how your agent is compensated so you understand any potential incentives.
Should I buy insurance online or through a local agent in Gallatin?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Gallatin adds real value for homeowners insurance, life insurance, commercial policies, or any situation with complexity — rental properties, high-value items, home-based businesses, or coverage gaps. They also advocate for you during a claim, which online portals don't.
How are the insurance agents on this page ranked?
Rankings use a transparent algorithm: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Featured Partner listings have paid for enhanced visibility but must still earn their position through real customer reviews — sponsored listings are clearly labeled.
Insurance Agents in Nearby Cities
Compare top-rated insurance agents in cities near you.
How Rankings Work on This Page
Every insurance agents on RatingsNearMe is scored transparently: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Businesses labeled exclusive or premium are Featured Partners — they have paid for enhanced visibility but must still rank through real customer reviews. We cap sponsored boosts so bad businesses can never buy the top spot.
Editorial notice: Ratings are based on publicly available data from Google Business listings. Consumers should independently verify licensing, insurance, and credentials before hiring any service provider. Last updated: July 4, 2026.
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