Click here for our full-length guide to Tennessee car insurance quotes, discounts, and state requirements.

Chattanooga, a city of nearly 180,000 in southeastern Tennessee, is sandwiched along the Tennessee River in the foothills of Appalachia. The mountainside city features views of sweeping rock formations and sprawling forests. Car travel is the main mode of transportation for over 90 percent of Chattanooga residents. Finding the right car insurance policy for you and your lifestyle is an important step towards safe driving in Chattanooga. Let’s get on our way to great savings. Compare and save on the best and cheapest car insurance quotes in Tennessee here.

Find cheap car insurance quotes for Chattanooga today.

For more city-specific car insurance details, check out our overview of Nashville.

Cheapest Car Insurance Quotes in Chattanooga, TN

Here are the cheapest insurance companies in Chattanooga, based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service. Clean driving records may amount to “good driver discounts,” resulting in lower overall insurance costs.

Insurance CompanyQuotes
Progressive$60/month
Allstate$77/month
State Farm$99/month
Nationwide$133/month
American Family$146/month

USAA often offers the lowest car insurance rates to Tennessee drivers, but it is only available to active-duty members of the military, veterans, and their immediate families.

Best Car Insurance Companies in Chattanooga, TN

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top-rated companies that offer car insurance in Chattanooga. For the complete list, see Insurify’s best car insurance companies.

Insurance CompanyScoreQuotes
American Family88$146/month
Allstate86$77/month
Nationwide84$133/month
State Farm83$99/month
Liberty Mutual80$150/month
Progressive78$60/month

Compare Average Premiums 

Insurance rates vary greatly from town to town. Chattanooga has slightly higher monthly premiums compared to state and national averages. Keep the savings rolling and compare policies on Insurify today. 

Chattanooga Average Premium Tennessee Average Premium National Average Premium
$125/month $128/month $131/month

Chattanooga Auto Insurance Requirements 

Before operating on Tennessee roadways, Tennessee drivers must ensure their motor hold sufficient liability insurance. 

Liability coverage is a safety necessity.

In Tennessee, state minimum coverage limits for liability car insurance are as follows:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Driving records, prior car accidents, prior moving violations, speeding tickets, commute length, and other demographic factors may cause fluctuation to your Chattanooga auto insurance rates.

Read more about Tennessee car insurance requirements. 

Comprehensive and collision coverage are supplemental options offered by insurance providers to protect your vehicle and passengers from “Acts of God,” vandalism, and other uncontrollable circumstances. 

For a free quote, compare auto insurance companies on Insurify

Chattanooga DMV Information

The Tennessee Department of Drivers Services Has A DMV outpost for Chattanooga/Bonny Oaks residents at 6502 Bonny Oaks Drive. The office is open weekdays from 8:30 AM to 5:00 PM with some special early morning, evening, and weekend hours. Here, drivers can access registration and licensing services, as well as handgun permits, driving records, and reinstatements. 

Public Transit in Chattanooga

Getting to and around the city of Chattanooga is made easy and painless thanks to their affordable and reliable public transportation services. Centrally located at the intersection of Interstates 75, 24, and 59, Chattanooga is less than three hour’s drive from Atlanta, Nashville, Knoxville, Birmingham, and Huntsville. The walkable downtown area allows visitors and residents to enjoy the small businesses and culture that makes Chattanooga so loveable. The free electric shuttle services connect all of downtown. CARTA, the Chattanooga Area Regional Transportation Authority has 17 routes connecting the city. The Chattanooga Bicycle Transit system is a bike rental program with convenient docking systems all around the city. And of course, rideshare services like Uber and Lyft plus traditional taxis operate across The River City.

Embedded map here

Conclusion: How to get the best and cheapest car insurance in Chattanooga

As American drivers know too well, enough of their precious time is wasted sitting in traffic each year. There’s no need to waste more time finding the perfect auto insurance policy. Use Insurify to find the best rates available by comparing dozens of insurance quotes in just a few seconds.

Ranking fifth in the nation for most uninsured drivers, one in five vehicles on the roads of Tennessee are driving uninsured. Give yourself peace of mind with sufficient car insurance coverage. Don’t become just one more uninsured motorist—get quotes with Insurify to get the best coverage and rates for your car at a price that works for you.

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Jackie Cohen received her B.A. in Global Media and Public Relations from the University of Massachusetts, Amherst. Currently based in Boston, MA, she works as a content writer for Insurify. An avid globe-trotter and foodie, Jackie spends her spare time adventuring far and near.