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Updated on Jan 30, 2025

R.E. Fulton

Expert Insurance Writer and Editor

Reviewed by Josh Damico, Head of Insurance Operations

Edited by Lina Zhang, Lisenced Insurance Agent

Learn more about our insurance review board

What's on this page?

How to find the cheapest car insurance quotes in Gallup
Best car insurance companies in Gallup
Best cheap car insurance quotes in Gallup
Average cost of car insurance in Gallup
Car insurance quotes in Gallup by rating factors
How Do Different Factors Impact Your Car Insurance Costs in Gallup?
Cheap car insurance quotes in Gallup after driving violations
Cheap car insurance quotes in Gallup by age
Cheap car insurance quotes in Gallup based on insurance history
Cheap car insurance quotes in Gallup for popular cars
How to lower car insurance costs in Gallup
FAQ
Methodology
Meet our Experts

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How to find the cheapest car insurance quotes in Gallup

In Gallup, the average

auto insurance

policy costs about $83 per month for minimum coverage liability insurance, and about $183 per month for full coverage insurance. Gallup drivers pay 36% less than the

Rhode Island

average.

Drivers looking to save on car insurance in Gallup, Rhode Island trust Jerry. Jerry helps you

compare and buy car insurance policies

that meet your needs and budget in seconds. Check out the table below for cheap car insurance quotes Jerry found for Gallup drivers.

Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
Progressive	$97	Tom, 57 Zip: 87301	Chevrolet Silverado C1500 LT	• State Minimum Liability • Comp / Collision
Nationwide	$184	Kenneth, 27 Zip: 87301	Toyota Camry L	• State Minimum Liability • Comp / Collision
Gainsco	$178	Beulah, 42 Zip: 87301	Nissan Pathfinder S	• State Minimum Liability • Comp / Collision
Kemper	$192	Logan, 28 Zip: 87301	Chevrolet Impala LT	• State Minimum Liability • Comp / Collision

Last Updated Jan 29, 2025

Compare car insurance quotes now

Best car insurance companies in Gallup

There is no one-size-fits-all model for car insurance—what works for one driver may not work for another.

Car insurance quotes

vary between providers and drivers due to age, driving record, and credit score. So no single company offers the most affordable rate for every driver.

Aside from price, there are other factors to consider when choosing an insurance provider, such as claims handling and customer service.

For Gallup drivers looking for the cheapest car insurance company in Rhode Island, you’re in the right place. Jerry conducted the largest insurance survey in the nation—and the results were surprising. Big-name carriers like GEICO and Progressive received good feedback for customer service, but only Liberty Mutual and Nationwide got 5/5 rankings overall.

If you’re wondering which carrier might be your best pick, check out the table below to see how Gallup drivers ranked different insurance companies on a scale of 0 to 5.

Insurance Company	Overall Rating	Price	Claims Experience	Customer Service
Allstate	4.7	4.3	N/A	4.7
Progressive	4.4	3.9	4.7	4.4
State Farm	3	N/A	N/A

Best cheap car insurance quotes in Gallup

Drivers in Gallup must carry liability insurance that meets the state-mandated requirements before getting on the road. But while minimum coverage might be all that’s required, it’s often not enough.

Consider purchasing a full coverage policy. If you’re involved in an accident, whether at fault or not, collision and comprehensive coverage offer greater financial protection for you and your car.

Cheap minimum liability insurance quotes in Gallup

If you’re behind the wheel in Gallup, Rhode Island, you’ll need bodily injury and property damage liability that meets the state coverage limits. In Rhode Island, it follows the 25/50/25 rule.

Here’s a breakdown of Rhode Island’s

liability insurance

minimums:

$25,000

bodily injury liability

per person

$50,000 bodily injury liability per accident

$25,000

property damage liability

per accident

In most cases, drivers in Rhode Island must also have

uninsured motorist coverage

, but you can choose to decline the purchase if you have a policy with only the minimum limits of bodily injury and property damage liability as required by law.

With this basic liability insurance coverage, you’ll be covered up to your policy limits if you’re at fault in an accident that causes injury or property damage while driving.

Finding affordable car insurance can be tricky—but Jerry is here to help.

Progressive

Tom (57 years old)

Coverage

State Minimum

Gallup, NM
(Zip Code: 87301)

Chevrolet Silverado C1500 LT

$97

per month

Nationwide

Kenneth (27 years old)

Coverage

State Minimum

Gallup, NM
(Zip Code: 87301)

Toyota Camry L

$184

per month

Gainsco

Beulah (42 years old)

Coverage

State Minimum

Gallup, NM
(Zip Code: 87301)

Nissan Pathfinder S

$178

per month

Kemper

Logan (28 years old)

Coverage

State Minimum

Gallup, NM
(Zip Code: 87301)

Chevrolet Impala LT

$192

per month

Do you need more than minimum coverage in Gallup?

The minimum insurance requirements in Rhode Island are higher than in many other states, but most drivers purchase minimum insurance that exceeds the 25/50/25 liability coverage.

If you’re involved in a car crash, and you or the other party sustain serious injuries or damage, the expenses can quickly add up to more than your policy limits. And if you’re found at fault, you’ll need to cover the rest of the damage costs yourself. For this reason, insurance experts generally recommend choosing higher liability limits, such as 50/100/50 or 100/300/100.

On top of that, liability coverage only covers others’ injuries and damages—not your own. Without additional coverage, you could be on the hook for covering your own medical expenses or vehicle damage.

The bottom line: For more financial protection, consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to have full coverage on your car.

Cheap full coverage car insurance quotes in Gallup

If you don’t want to deal with the financial burden of a serious accident, investing in full-coverage

car insurance

is the way to go.

Full-coverage insurance includes liability coverage in addition to comprehensive and collision coverage.

Comprehensive coverage

pays for damage to your car from almost all other causes, including fire, theft, vandalism, hail, ice, flooding, and animal damage. It will also cover the cost of broken glass, such as windshield damage.

Collision coverage

pays for damage that results from a collision with another car or stationary object, such as a tree or sign.

If you lease or finance your car, your lender will require you to have collision and comprehensive coverage.

On top of a full-coverage policy, you can also purchase

uninsured motorist coverage

to protect you against injuries and property damage if you’re in a collision with a driver who doesn’t have insurance.

Check out the table below for examples of how drivers in Gallup found affordable full-coverage insurance policies with Jerry.

Insurance Coverage	Insurance Company	Premium (monthly)	Customer	Car
• State Minimum Liability • Comp / Collision	Progressive	$97	Tom, 57 Zip: 87301	Chevrolet Silverado C1500 LT
• State Minimum Liability • Comp / Collision	Nationwide	$184	Kenneth, 27 Zip: 87301	Toyota Camry L
• State Minimum Liability • Comp / Collision	Gainsco	$178	Beulah, 42 Zip: 87301	Nissan Pathfinder S
• State Minimum Liability • Comp / Collision	Kemper	$192	Logan, 28 Zip: 87301	Chevrolet Impala LT

Last Updated Jan 29, 2025

Finding affordable car insurance doesn’t have to be like finding a needle in a haystack. With a comparison app and licensed

insurance broker

like Jerry, you can find the coverage you need at the most affordable rates in minutes. And with over 100+ licensed insurance agents and 24/7 end-to-end customer service, no questions will go unanswered.

Average cost of car insurance in Gallup

After analyzing scores of insurance providers in Gallup, we have discovered that the average price for minimum liability coverage amounts to be $83 per month or $996 per year. Additionally, residents of Gallup can expect to pay an average of $183 per month or $2,196 per year for full coverage insurance.

Insurance coverage	Average insurance cost (monthly)	Average insurance cost (yearly)
State minimum coverage	$32	$386
Full coverage	$122	$1,459

While it's useful to understand average insurance rates to estimate your personal insurance costs, it's important to note that individual insurance premiums are influenced by numerous factors. These factors may include vehicle type, driving history, claims record, and other key demographics.

Average cost of car insurance in Gallup by zip code

The cost of car insurance in Gallup can greatly differ depending on your specific zip code. Each individual zip code within Gallup has its own unique driving risks which directly factor into your insurance quotes. Living in a neighborhood notorious for higher rates of car thefts and accidents increases its risk profile, thereby increasing premiums.

In short, the degree of risk tied to your zip code is a key determinant of whether your coverage will come with a higher or lower price tag.

Zip Code	Average State Minimum Coverage Rate	Average Full Coverage Rate
87301	$32	$92

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Sean S.

| Verified Jerry Customer

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Car insurance quotes in Gallup by rating factors

Insurance companies in Gallup use many rating factors when

deciding your auto insurance premium

Your driving record and claims history: Drivers with a track record of accidents or violations generally face higher premiums than those with a clean record.

Your demographics: Your age, gender, and marital status can all influence the cost of your insurance rates.

Your location: City dwellers often encounter higher premiums compared to rural residents due to factors like increased crime rates and higher population density.

Your mileage: High annual mileage can result in higher insurance costs.

The make/model of your car: Luxury, sport, and high-performance vehicles typically cost more to insure since replacement parts are more expensive.

Your credit score: Good credit scores are generally associated with lower insurance rates, even for identical coverage.

How Do Different Factors Impact Your Car Insurance Costs in Gallup?

Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history

Prohibited (or effectively prohibited): Rhode Island currently does not disallow any common insurance rating factors when calculating insurance premiums.

Learn more abut the car insurance rating factors in Gallup:

Cheap car insurance quotes in Gallup after driving violations

Your

Rhode Island driving record

also has a big influence on your car insurance premium. If your driving record has a long history of violations, you’re flagged as a “

high-risk driver

” and will pay more for insurance.

Some common violations that could increase your insurance rates include:

Speeding

DUIs

At fault accident

Reckless driving

Driving on a suspended license

Driving without insurance

Cheapest car insurance in Gallup after speeding ticket

Speeding tickets

don’t always increase your car insurance rates, but they do in Rhode Island—and some have more of an impact than others. If you’re caught driving 22 mph or more over the speed limit, for example, you’ll see a steeper rate hike than a speeding ticket for just 3 mph over the speed limit.

Here are rates Rhode Island drivers have found through Jerry after receiving a speeding ticket.

Speeding Type	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
Speeding 16-20	Progressive	$210	Shane, 27 Zip: 87301	Toyota Camry L	• State Minimum Liability • Comp / Collision

Last Updated Jan 27, 2025

Cheapest car insurance in Gallup after DUI

DUI violation

in Rhode Island can send you car insurance rates through the roof. Having a DUI charge on your driving record classifies you as a high-risk driver, and many insurers aren’t willing to offer high-risk car insurance.

But there’s good news—some insurers charge less for car insurance for drivers with a major violation on their record, so it can pay to shop around.

Rhode Islanders have found affordable policies with Jerry after receiving a DUI.

Safeco

Carl (45 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Gallup, NM
(Zip Code: 87305)

Infiniti Q50

$64

per month

Progressive

Victoria (32 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Gallup, NM
(Zip Code: 87305)

Oldsmobile Silhouette

$60

per month

Cheapest car insurance in Gallup after an at-fault accident

Your accident and claims history plays a major role in how much you pay for car insurance. That said, having

accident forgiveness

on your policy can help prevent your rates from spiking.

Drivers who have had one or more at-fault accidents can often see high insurance premiums—check out how Jerry helped Gallup drivers with an accident on their record find affordable insurance.

Accident Type	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
At Fault With No Injury	Progressive	$159	Mary, 36 Zip: 87301	Chevrolet Equinox LS	• State Minimum Liability • Comp / Collision
	Nationwide	$184	Bertha, 27 Zip: 87301	Toyota Camry L	• State Minimum Liability • Comp / Collision

Last Updated Jan 30, 2025

Cheapest car insurance in Gallup after other driving violations

Speeding tickets, DUIs, and at-fault accidents aren’t the only reasons your insurance could increase. Other driving violations, such as

reckless driving

and driving without insurance, can also cause your car insurance costs to increase in Gallup.

To get a better idea of how violations can cause rates to vary, here’s a look at the rates Jerry users have found for various violations.

Violation	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
Illegal Turn	Progressive	$52	Lulu, 34 Zip: 87301	Mercedes-Benz GLB	• State Minimum Liability • Comp / Collision
Defective Equipment	Travelers	$75	Bryan, 37 Zip: 87302	Jaguar XF	• State Minimum Liability

Last Updated Jan 26, 2025

Cheap car insurance quotes in Gallup by age

Teen drivers

aged 16 to 19 and those without an

unrestricted driver’s license

see some of the highest insurance rates of any age demographic due to limited driving experience. After age 25, safe drivers typically see their car insurance rates decrease—but they’ll start to increase again in their mid-70s.

Cheapest car insurance in Gallup for young drivers

Drivers under 19 pay the highest insurance rates out of any age group in Gallup. For teen drivers with a new car, purchasing a full coverage policy is recommended. Limited driving experience means a higher risk of getting into a car crash, so full coverage can offer greater financial protection and peace of mind—and staying on a parent's insurance policy can also keep rates low.

Allstate

Andrew (23 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Gallup, NM
(Zip Code: 87302)

Volkswagen NEW

$51

per month

Travelers

Lula (18 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Gallup, NM
(Zip Code: 87302)

Chevrolet C10

$52

per month

Cheapest car insurance in Gallup for senior drivers

Seniors are also hit hard when it comes to insurance premiums.

Car insurance rates for seniors

start to rise around 75 for several reasons—namely that older drivers are more susceptible to severe injuries and mortality if involved in an accident and have slower reflexes that can increase the risk of a collision.

Travelers

Brian (68 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Gallup, NM
(Zip Code: 87301)

Tesla Model 3

$61

per month

Progressive

Bernice (66 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Gallup, NM
(Zip Code: 87301)

Honda CR-V

$50

per month

Over 3,500,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:

Switching to National General was SO easy and it saved me over $100/month! I'm so glad I made the switch!

Courtney

Got a decent rate for my Tesla Model S from travelers

Kishore

Great feel for this app, It's helping me save money!

Aaron

They were affordable and great very personable and reasonable

Audrey

Cheap car insurance quotes in Gallup based on insurance history

Like your driving record and claims history, your insurance history is a significant rating factor in the eyes of insurance companies. Specifically, insurers will consider how long you have been insured and whether you’ve experienced any

lapses in coverage

Drivers who have had recent or past lapses in coverage may face higher auto insurance rates. The good news is, Jerry can help customers find savings on car insurance coverage regardless of their insured status:

Progressive

Willie (57 years old)

Currently Insured

Coverage

State Minimum

Gallup, NM
(Zip Code: 87301)

Chevrolet Silverado C1500 LT

$97

per month

Nationwide

Myra (27 years old)

Currently Insured

Coverage

State Minimum

Gallup, NM
(Zip Code: 87301)

Toyota Camry L

$184

per month

Gainsco

Hester (42 years old)

Currently Insured

Coverage

State Minimum

Gallup, NM
(Zip Code: 87301)

Nissan Pathfinder S

$178

per month

Progressive

Charlie (57 years old)

Currently Insured

Coverage

State Minimum

Gallup, NM
(Zip Code: 87301)

Chevrolet Silverado C1500 LT

$97

per month

Nationwide

Jack (27 years old)

Currently Insured

Coverage

State Minimum

Gallup, NM
(Zip Code: 87301)

Toyota Camry L

$184

per month

Cheap car insurance quotes in Gallup for drivers with poor credit

While having

a low credit score

doesn't necessarily make you a bad driver, it can still result in higher insurance costs. That’s because insurance providers have observed a correlation between lower credit scores and a higher probability of filing claims.

As a result, individuals with “bad credit” may face increased premiums. According to our data, drivers with credit scores below 550 typically encounter car insurance rates approximately 20% higher compared to those with credit scores above 750.

Credit Range	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
550 - 659	Progressive	$97	Charlie, 57 Zip: 87301	Chevrolet Silverado C1500 LT	• State Minimum Liability • Comp / Collision

Last Updated Jan 29, 2025

Cheap car insurance quotes in Gallup for popular cars

Your vehicle make and model have a significant impact on your car insurance costs. Insurers will evaluate your vehicle’s safety, theft risk, repair and replacement costs, and other factors when calculating your premium.

Some of the most popular vehicles in Rhode Island include:

Chevrolet Silverado 1500

MORE:

How to get car insurance before buying a car

Popular Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
Chevrolet Silverado C1500 LT	Progressive	$97	Willie, 57 Zip: 87301	• State Minimum Liability • Comp / Collision

Last Updated Jan 30, 2025

Cheapest car insurance in Gallup for new vs. old car

Your vehicle’s make and model aren’t the only things that matter—its age does, too. The cost of insuring a newer car in Gallup is generally more expensive than that of an older car.

Average insurance rates in Gallup for vehicles based on age are:

Vehicles 10 years or older: $218

Vehicles less than 4 years old: $218

Progressive

Tom (57 years old)

2018 Chevrolet Silverado C1500 LT

Coverage

State Minimum

Gallup, NM
(Zip Code: 87301)

$97

per month

Nationwide

Kenneth (27 years old)

2019 Toyota Camry L

Coverage

State Minimum

Gallup, NM
(Zip Code: 87301)

$184

per month

Gainsco

Beulah (42 years old)

2019 Nissan Pathfinder S

Coverage

State Minimum

Gallup, NM
(Zip Code: 87301)

$178

per month

Kemper

Logan (28 years old)

2019 Chevrolet Impala LT

Coverage

State Minimum

Gallup, NM
(Zip Code: 87301)

$192

per month

How to lower car insurance costs in Gallup

1. Shop around and compare quotes

Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months.

Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free!

Compare car insurance quotes now

2. Hunt for car insurance discounts

Every insurance company offers

a set of discounts

, but the exact discount offered varies by company. Some common discounts include:

Good driver discounts. California state law mandates 20% insurance discounts for drivers with one or fewer points on their license who have continuously held a license for three years with no at-fault accidents responsible for injury or death.

Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!

Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.

Bundling discounts.

Bundle your home and auto insurance

(or auto and renters) with the same company, and you could get a discount on both policies.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.

MORE:

How to choose a car insurance deductible

FAQ

How much is car insurance in Gallup?

People living in Gallup pay on average $83 per month – or $996 per year – on state-minimum liability coverage. Full coverage in Gallup costs on average $183 per month of $2,196 per year.

With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.

What is the cheapest car insurance in Gallup?

Based on thousands of Gallup drivers Jerry has worked with, car insurance in Gallup costs an average of $83 per month for state-minimum coverage and $183 per month for full coverage.

No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!

What is the minimum car insurance in Gallup, Rhode Island?

The state-minimum car insurance in Gallup, Rhode Island is $25,000 in bodily injury liability per person, $50,000 per accident, and $25,000 for damage to property. These coverages are commonly referred to as 25/50/25 coverage.

What is the best car insurance in Gallup?

Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Liberty Mutual,

Progressive

, and

Nationwide

receive good ratings from Gallup drivers, based on the largest car insurance survey in the nation conducted by Jerry.

Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.

Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).

We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.

For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.

Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our Experts

R.E. Fulton

Expert Insurance Writer and Editor

R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.

As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.

Lina Zhang

Licensed Insurance Agent

15 Years Working in Insurance

Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to Jerry’s rapid growth.

Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. Before founding YourMechanic, Lina served as an intellectual property attorney at Morrison & Foerster LLP and a postdoctoral biomedical researcher at Stanford University.

Lina is a member of the State Bar of California, and a licensed property and casualty insurance broker in all 50 states and Washington, D.C.

Josh Damico

Head Of Insurance Operations

18+ Years Experience in Insurance

Josh Damico is Jerry’s Vice President Insurance Operations and a licensed insurance professional with 18 years of experience in the industry. Previously, Josh worked for 14 years at GEICO, most recently as Director of Insurance Sales, Service, and Underwriting in the Buffalo, New York region, where he doubled the size of the team to 950+ licensed associates. Josh Damico is a licensed insurance agent in 48 states. Josh has appeared on news channels like FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.