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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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Oct 11, 2021

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Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

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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 average car insurance rates. 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.

What are the monthly Chattanooga, TN car insurance rates by ZIP code?

ZIP codes will play a major role in your auto insurance rates because factors like crime and traffic are calculated by the ZIP code. Find more info about the monthly Chattanooga, TN auto insurance rates by ZIP Code below:

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What are Chattanooga, TN car insurance rates vs. top US Metro car insurance rates?

What city you reside in will impact your car insurance. That’s why it’s essential to compare Chattanooga, TN against other top US metro areas’ auto insurance costs.

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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 cheapest Chattanooga, TN car insurance providers can be found below. You also might be wondering, “How do those Chattanooga, TN rates compare against the average Tennessee car insurance company rates?” We uncover that too.

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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.

For example, in some cases, marital status can affect car insurance rates. Married drivers pay less for car insurance compared to their single counterparts. Rates for widowed drivers are usually cheaper than rates for those who are single.

Gender also affects the price of auto insurance. Male drivers typically pay $39 more for Chattanooga auto insurance than their female counterparts.

Moreover, at-fault collisions, DUIs, citations for reckless driving, and speeding tickets each influence increases in car insurance rates. Low-risk drivers are usually rewarded with low rates. Credit tier is also an important factor that affects car insurance premiums. Drivers with bad credit scores face higher car insurance rates than drivers with good credit.

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

Chattanooga, Tennessee car insurance costs by company and age is an essential comparison because the top car insurance company for one age group may not be the best provider for another age group.

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Your coverage level will play a major role in your Chattanooga, TN car insurance costs. Find the cheapest Chattanooga, TN car insurance costs by coverage level below:

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Your credit score will play a major role in your Chattanooga, TN car insurance costs unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. Find the cheapest Chattanooga, Tennessee car insurance costs by credit score below.

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Your driving record will affect your Chattanooga, TN car insurance costs. For example, a Chattanooga, Tennessee DUI may increase your car insurance costs 40 to 50 percent. Find the cheapest Chattanooga, Tennessee car insurance costs by driving record.

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Controlling these risk factors will ensure you have the cheapest Chattanooga, Tennessee car insurance. Factors affecting car insurance rates in Chattanooga, TN may include your commute, coverage level, tickets, DUIs, and credit.

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Age is a significant factor for Chattanooga, TN car insurance rates. Young drivers are often considered high-risk. This Chattanooga, Tennessee does use gender as a car insurance factor, so check out the average monthly auto insurance rates by age and gender in Chattanooga, TN.

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To get the best rates for your situation, you should be looking for different quotes and see if you qualify for insurance discounts.

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 coverage
  • $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 coverage 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.

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

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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 car insurance, shop around and compare quotes to find the best auto insurance coverage options at the cheapest price.

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

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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Monthly Chattanooga, TN Car Insurance Rates by ZIP Code
Chattanooga, TN Car Insurance Rates vs. Top US Metro Car Insurance Rates
Chattanooga, TN Car Insurance Rates by Company vs. City Average
Chattanooga, TN Car Insurance Rates by Company and Age
The Cheapest Chattanooga, TN Car Insurance Rates by Coverage Level
The Cheapest Chattanooga, TN Car Insurance Rates by Credit Score
The Cheapest Chattanooga, TN Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Chattanooga, TN
Average Monthly Car Insurance Rates by Age & Gender in Chattanooga, TN
Monthly Chattanooga, TN Car Insurance Rates by ZIP Code
Chattanooga, TN Car Insurance Rates vs. Top US Metro Car Insurance Rates
Chattanooga, TN Car Insurance Rates by Company vs. City Average
Chattanooga, TN Car Insurance Rates by Company and Age
The Cheapest Chattanooga, TN Car Insurance Rates by Coverage Level
The Cheapest Chattanooga, TN Car Insurance Rates by Credit Score
The Cheapest Chattanooga, TN Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Chattanooga, TN
Average Monthly Car Insurance Rates by Age & Gender in Chattanooga, TN