Compare Chattanooga, TN Car Insurance Rates (2021)

Car insurance in Chattanooga, TN averages $295 a month. Chattanooga, Tennessee car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Chattanooga car insurance rates, compare quotes from the top car insurance companies in Chattanooga, TN.

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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: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Chattanooga, TN after a DUI are $4,145/year
  • The cheapest car insurance company in Chattanooga is State Farm
  • The cheapest car insurance company in Chattanooga for teen drivers is Travelers

If you need to buy Chattanooga, Tennessee car insurance, the options can be confusing. Everything you need to know about car insurance in Chattanooga, TN is right here.

You’ll find Chattanooga car insurance rates, the cheapest Chattanooga, TN car insurance companies, and information on Tennessee car insurance laws. You can also compare Chattanooga, Tennessee car insurance rates to Murfreesboro car insurance rates, Clarksville car insurance rates, and Knoxville car insurance rates.

Ready to find affordable Chattanooga, TN car insurance today? Enter your ZIP code for fast, free Chattanooga car insurance quotes.

Cheapest Chattanooga, TN Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Chattanooga, TN car insurance rates? Every Chattanooga, Tennessee car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Chattanooga, Tennessee

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,621 $2,513 $2,365 $2,454 $9,935 $10,806 $2,784 $2,875
Farmers $1,688 $1,718 $1,514 $1,668 $7,074 $7,521 $2,285 $2,411
GEICO $2,047 $2,061 $1,881 $1,881 $6,389 $6,484 $2,090 $2,157
Liberty Mutual $3,425 $129 $2,820 $3,155 $14,262 $15,855 $3,665 $3,895
Nationwide $2,185 $2,199 $1,961 $1,988 $6,102 $7,844 $2,516 $2,721
Progressive $1,712 $1,601 $1,398 $1,467 $7,961 $8,943 $2,057 $2,239
State Farm $1,615 $1,615 $1,468 $1,468 $5,075 $6,341 $1,829 $2,127
Travelers $1,767 $1,860 $1,610 $1,714 $4,982 $6,191 $1,880 $1,978
USAA $1,529 $1,554 $1,383 $1,382 $5,482 $6,290 $2,000 $2,123

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Minimum Car Insurance in Chattanooga, TN

Every driver must carry the minimum car insurance in Chattanooga, TN. Take a look at the Tennessee car insurance requirements.

Minimum Required Car Insurance Coverage in Chattanooga, Tennessee

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $15,000 minimum

Cheapest Chattanooga, TN Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Chattanooga, TN. Compare credit history car insurance rates in Chattanooga from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Chattanooga, Tennessee

Insurance Company Poor Fair Good
Allstate $5,797 $4,442 $3,394
Farmers $3,845 $3,012 $2,848
GEICO $3,541 $3,037 $2,794
Liberty Mutual $8,446 $5,193 $4,063
Nationwide $4,121 $3,282 $2,915
Progressive $3,830 $3,324 $3,113
State Farm $3,910 $2,345 $1,821
Travelers $3,492 $2,747 $2,004
USAA $3,931 $2,312 $1,910

Cheapest Chattanooga, TN Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Chattanooga, TN to rates for a clean record with top companies.

Annual Chattanooga, Tennessee Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,800 $4,534 $5,491 $4,352
Farmers $2,760 $3,423 $3,512 $3,245
GEICO $2,284 $3,044 $4,883 $2,284
Liberty Mutual $4,783 $6,905 $6,414 $5,501
Nationwide $2,980 $2,980 $4,461 $3,337
Progressive $3,013 $3,925 $3,208 $3,543
State Farm $2,445 $2,939 $2,692 $2,692
Travelers $2,228 $2,862 $3,162 $2,738
USAA $1,976 $2,966 $3,478 $2,452

Cheapest Chattanooga, TN Car Insurance for Teen Drivers

Teen car insurance in Chattanooga, TN can be expensive. Take a look at rates from the top car insurance companies in Chattanooga for teenagers.

Annual Car Insurance Rates for Teen Drivers in Chattanooga, Tennessee

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,935 $10,806
Farmers $7,074 $7,521
GEICO $6,389 $6,484
Liberty Mutual $14,262 $15,855
Nationwide $6,102 $7,844
Progressive $7,961 $8,943
State Farm $5,075 $6,341
Travelers $4,982 $6,191
USAA $5,482 $6,290

Cheapest Chattanooga, TN Car Insurance for Seniors

Take a look at Chattanooga, TN senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Chattanooga, Tennessee

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,365 $2,454
Farmers $1,514 $1,668
GEICO $1,881 $1,881
Liberty Mutual $2,820 $3,155
Nationwide $1,961 $1,988
Progressive $1,398 $1,467
State Farm $1,468 $1,468
Travelers $1,610 $1,714
USAA $1,383 $1,382

Cheapest Chattanooga, TN Car Insurance Rates After a DUI

A DUI in Chattanooga, TN increases car insurance rates. Compare Chattanooga, Tennessee DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Chattanooga, Tennessee

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,491
Farmers $3,512
GEICO $4,883
Liberty Mutual $6,414
Nationwide $4,461
Progressive $3,208
State Farm $2,692
Travelers $3,162
USAA $3,478

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Cheapest Chattanooga, TN Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Chattanooga, TN by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Chattanooga, Tennessee

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,544 $4,544
Farmers $3,235 $3,235
GEICO $3,102 $3,146
Liberty Mutual $5,901 $5,901
Nationwide $3,439 $3,439
Progressive $3,422 $3,422
State Farm $2,627 $2,757
Travelers $2,640 $2,856
USAA $2,642 $2,794

Cheapest Chattanooga, TN Car Insurance Rates by ZIP Code

Chattanooga car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Chattanooga, TN.

Annual Car Insurance Rates by ZIP Code in Chattanooga, Tennessee

ZIP Code Average Annual Rates
37343 $3,561
37363 $3,554
37402 $3,595
37403 $3,610
37404 $3,642
37405 $3,561
37406 $3,605
37407 $3,605
37408 $3,605
37409 $3,608
37410 $3,577
37411 $3,660
37415 $3,546
37416 $3,554
37419 $3,527
37421 $3,669
37450 $3,638

The Best Cheap Car Insurance Companies in Chattanooga, TN

Take a look at a side-by-side comparison of the top car insurance companies in Chattanooga, TN to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Chattanooga, Tennessee

Insurance Company Average Annual Rates
Allstate $4,544
Farmers $3,235
GEICO $3,124
Liberty Mutual $5,901
Nationwide $3,439
Progressive $3,422
State Farm $2,692
Travelers $2,748
USAA $2,718

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Category Winners: Cheapest Car Insurance in Chattanooga, Tennessee

Find the cheapest car insurance companies in Chattanooga, TN for each category right here.

Best Annual Car Insurance Rates by Company in Chattanooga, Tennessee

Category Insurance Company
Teenagers Travelers
Seniors USAA
Clean Record USAA
With 1 Accident Travelers
With 1 DUI State Farm
With 1 Speeding Violation GEICO

Cheapest Chattanooga, TN Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Chattanooga car insurance rates. Find the cheapest Chattanooga, TN car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Chattanooga, Tennessee

Insurance Company Low Medium High
Allstate $4,365 $4,532 $4,736
Farmers $3,037 $3,217 $3,450
GEICO $2,959 $3,116 $3,296
Liberty Mutual $5,624 $5,899 $6,179
Nationwide $3,456 $3,367 $3,496
Progressive $3,169 $3,422 $3,676
State Farm $2,525 $2,706 $2,845
Travelers $2,581 $2,746 $2,917
USAA $2,626 $2,708 $2,820

What affects car insurance rates in Chattanooga, Tennessee?

What factors can have an impact on Chattanooga, TN car insurance? There are several reasons why Chattanooga car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Chattanooga, Tennessee.

Commute Time in Chattanooga

The more time you spend in your car the higher the risk of an accident. The average commute length in Chattanooga, TN is 19.4 minutes according to City-Data.

Traffic in Chattanooga

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Chattanooga, TN traffic data from INRIX ranks Chattanooga as the 739th-most congested in the world.

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Compare Car Insurance Quotes in Chattanooga, TN

Ready to find affordable Chattanooga, Tennessee car insurance today? Enter your ZIP code for fast, free Chattanooga, TN car insurance quotes.

Free Car Insurance Comparison

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