To convert quarts to gallons, you can use the conversion factor: 4 quarts = 1 gallon.
To find out how many gallons are in 12 quarts, you can divide the number of quarts by the number of quarts in a gallon:
\[ \text{Gallons} = \frac{12 \text{ quarts}}{4 \text{ quarts/gallon}} = 3 \text{ gallons} \]
Therefore, the answer is 3.8 gallons is the closest choice.