Compare Chattanooga, TN Car Insurance Rates (2021)

The cheapest Chattanooga, TN car insurance is offered from State Farm, although rates vary by driver. Auto insurance in Chattanooga, TN must meet the state minimum requirements of 25/50/15 in liability coverages, but higher limits are encouraged. Compare quotes below to find the best Chattanooga, TN car insurance rates for you.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Founder & CFP®

UPDATED: Mar 23, 2021

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Here's what you need to know...

  • State Farms offers the cheapest Chattanooga, TN car insurance
  • Tennessee ranks fifth in the nation for uninsured drivers, which can cause car insurance rates to rise
  • Chattanooga auto insurance rates are still below the national average

Chattanooga, TN car insurance rates are actually below the state and national averages. It’s not too surprising since Tennessee car insurance rates are on par with the national average.

To find the most affordable Chattanooga, TN car insurance insurance, compare quotes from multiple companies. Shop around to see who can offer you the best deal.

Enter your ZIP code now to compare Chattanooga, TN car insurance quotes for free.

What is the cheapest car insurance company in Chattanooga, TN?

The cheapest car insurance company in Chattanooga is State Farm, although rates will be different for each driver.

The top-ranked Chattanooga, TN car insurance companies listed from least to most expensive are:

  • State Farm – $2,692.23
  • USAA – $2,717.90
  • Travelers – $2,747.82
  • GEICO – $3,123.76
  • Farmers – $3,234.96
  • Progressive – $3,422.38
  • Nationwide – $3,439.40
  • Allstate – $4,544.20
  • Liberty Mutual – $5,900.61

There are many factors affecting car insurance rates, including your age, gender, marital status, ZIP code, driving record, and credit history.

Your individual auto insurance rates will be calculated based on these factors.

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What car insurance coverage is required in Chattanooga, TN?

Most states, including Tennessee, require drivers to carry at least a minimum amount of car insurance. Drivers in Chattanooga, TN must carry at least:

  • $25,000 per person and $50,000 per incident for bodily injury liability
  • $15,000 per incident for property damage

These limits are quite low and would be easily exhausted in a serious accident. Consider increasing these minimum limits so that you won’t have to pay out of pocket for damages.

Tennessee ranks fifth in the nation for uninsured drivers with around 20 percent of drivers going without auto insurance. These drivers risk possible fines, driver’s license suspension, and jail time.

Car insurance companies can raise rates to help offset costs from the number of uninsured drivers in your area.

What affects car insurance rates in Chattanooga, TN?

Traffic and theft can also raise car insurance rates.

INRIX ranks Chattanooga, TN as the 193rd most congested city in the U.S. The lack of traffic can help keep the cost of car insurance lower.

City-Data reports that most Chattanooga drivers have about a 25-minute commute. Most drivers prefer to commute alone, although a fair number do carpool.

Auto theft can also increase your car insurance rates. According to the FBI, there were 1,342 motor vehicle thefts in one year in Chattanooga, TN. That’s one theft for every 133 people.

Chattanooga, TN Car Insurance: The Bottom Line

Although car insurance rates in Chattanooga are below average, auto theft and the high number of uninsured drivers can drive up your costs.

Before you buy Chattanooga, TN car insurance, shop around and compare quotes to find the best coverage at the cheapest price.

Enter your ZIP code now to compare Chattanooga, TN car insurance rates.

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Average Monthly Car Insurance Rates by State