Cheapest Auto Insurance in Chattanooga, Tennessee (2024)
State Farm offers the cheapest car insurance in Chattanooga, with minimum-coverage policies as low as $23 per month.
Excellent
)
Written byChoncé Maddox
)
7+ years writing insurance and personal finance content
Certified financial education instructor (CFEI)
Choncé was a licensed life insurance agent before becoming a freelance personal finance writer. She’s passionate about helping people learn to protect themselves with insurance.
Featured in
){kind=small}
){kind=small}
)
Edited byEvelyn Pimplaskar
)
10+ years in insurance and personal finance content
30+ years in media, PR, and content creation
Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.
Featured in
){kind=logo}
){kind=small}
){kind=small}
)
Reviewed byMark Friedlander
)
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Updated November 20, 2024
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Table of contents
Chattanooga drivers pay a little less for car insurance than the Tennessee average monthly cost. The average monthly cost for a full-coverage policy in Chattanooga is $163, while the state average is $160.
Chattanooga's declining fatality rate (down 14% in 2023[1]), comparatively smaller population (184,086 people), and less congested roads likely all contribute to its slightly lower car insurance costs.
State Farm, USAA, and GEICO are among the cheapest insurers in Tennessee’s fourth-largest city. Here’s what you should know about comparing quotes and finding the best coverage in Chattanooga.
Quick Facts
Chattanooga is one of the best cities for cheap car insurance rates in Tennessee, with liability-only and full-coverage policies priced at a monthly average cost of $76 and $163, respectively.
Teen drivers may find the best rates in Chattanooga with GEICO.
Approximately 24% of Tennessee drivers don’t have car insurance, so Chattanooga drivers may want to consider buying uninsured motorist coverage.[2]
3 of the cheapest car insurance companies in Chattanooga
Finding the best car insurance in Chattanooga that also fits your budget will depend on numerous rating factors, like your coverage needs, driving history, age, and gender.
State Farm, Auto-Owners, and GEICO are among the best car insurance companies to consider in Chattanooga, Insurify data indicates.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| State Farm | 9.3 | $44 | $22 | Full coverage |
| GEICO | 9.0 | $57 | $28 | Young drivers |
| Auto-Owners | 8.5 | $60 | $30 | Drivers with an at-fault accident |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for full coverage: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $23/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $46/mo |
4.2
Best choiceBased on 9036 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,969)
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
Ronald
November 18, 2024
Verified Review
Very Expensive Auto and Home
Extremely harsh local service.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm offers cheap full-coverage insurance rates in Chattanooga. The company also offers multiple discounts, including for bundling homeowners or renters insurance with auto coverage. More than half of Chattanoogans own their homes, so a bundling discount could help them save on car insurance.
Pros
Several discount options
Emergency roadside assistance available
Cons
Accident forgiveness only available to long-time customers with clean driving records
Some discounts have an age limit (including Steer Clear)
Best insurer for young drivers: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $29/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $59/mo |
4.0
Best choiceBased on 10271 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,647)
James
November 19, 2024
Verified Review
Unsatisfactory Experience with Geico
Steer clear. They increase your rate at every renewal.
Edward
November 18, 2024
Verified Review
Experience with Geico
Reliable.
Chris
November 18, 2024
Verified Review
Poor
The customer service is below average and terrible.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
GEICO is the third-largest U.S. auto insurer by market share, and has high customer satisfaction ratings. GEICO offers a discount of up to 15% for students with good grades, as well as drivers who complete an approved defensive driving course.
Pros
Personalized coverage options
Several discounts, including savings for good students
Cons
Gap coverage not available
Fewer local agents
Best insurer for drivers with an at-fault accident: Auto-Owners
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $31/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $62/mo |
4.0
Best choiceBased on 141 verified guest reviews and ratings
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (89)
Debra
November 3, 2024
Verified Review
Excellent
They keep raising prices.
Scotty
November 2, 2024
Verified Review
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
Dana
October 31, 2024
Verified Review
Average
Ask many questions to cover all aspects of the policy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Auto-Owners has been in business since 1916 and offers several affordable coverage options for drivers. Customers can choose optional accident-forgiveness coverage, which waives the rate increase after your first at-fault accident so long as you’ve remained covered and accident-free for at least 36 months.
Pros
Accident forgiveness available as an additional coverage option
Gap coverage and roadside assistance available
Cons
No online quote option
Must have coverage with the company for three years to qualify for accident forgiveness
How to get the cheapest car insurance in Chattanooga
Finding the cheapest or best coverage for car insurance in Chattanooga will depend on factors like your driving history, age, ZIP code, and coverage needs. While some of these factors are out of your control, you can still take steps to get lower car insurance rates:
Keep a clean driving record. Try to avoid speeding tickets and other violations, as well as at-fault accidents. By closely following the traffic laws in your area, you’ll keep a clean driving record and be eligible for the cheapest car insurance rates.
Maintain good credit. Car insurers can use your credit history to help determine the likelihood that you’ll file an insurance claim. This affects car insurance rates, so it’s important to maintain a good credit score, pay bills on time, and practice healthy financial habits.
Ask about discounts. Car insurance companies also offer multiple discounts, such as ones for bundling your insurance policies, driving a car with certain anti-theft features, completing a safe-driver program, and remaining accident-free. Ask questions about which discounts you qualify for so you don’t miss out on these savings.
Shop around. Shop around for coverage and compare quotes from at least three different insurers to make sure you’re getting the best quote for your situation.
)
Guide to Car Insurance Discounts (2024)
Find Cheap Car Insurance in Chattanooga
Liability rates start at $23 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Chattanooga: State Farm
Nearly every state requires a minimum level of liability insurance. Property damage liability only covers damages to the other person’s vehicle, and bodily injury liability covers their medical expenses after an accident you cause.
Important Information
Liability coverage doesn’t pay for damage to your car, or your or your passenger’s injuries. And if the other driver’s total damages exceed your liability limits, you may be financially responsible to pay the difference.
You may want to consider liability-only insurance if you drive an older vehicle and can afford to pay for your own car’s repairs out of pocket. You may also consider this option if you’re on a tight budget and don’t want to face penalties for not carrying any insurance.
For drivers in Chattanooga, the average monthly cost of liability coverage is $76. Here are some of the cheapest liability-only car insurance rates in Chattanooga.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $23 |
| USAA | $27 |
| GEICO | $29 |
| Travelers | $30 |
| Auto-Owners | $31 |
| Erie | $33 |
| Mile Auto | $40 |
| Allstate | $41 |
| Farmers | $44 |
| Nationwide | $55 |
| Progressive | $60 |
| Chubb | $64 |
| Direct Auto | $70 |
| Safeco | $76 |
| Dairyland | $82 |
| State Auto | $85 |
| National General | $92 |
| Elephant | $96 |
| The General | $100 |
| GAINSCO | $101 |
| Liberty Mutual | $129 |
| Foremost | $131 |
| Bristol West | $138 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Chattanooga: State Farm
Full-coverage car insurance costs more than liability-only coverage, but it includes liability, comprehensive, and collision coverages. Collision coverage can pay to repair or replace your vehicle in case of an at-fault accident. Comprehensive can pay for damage from non-accident causes, such as a tree falling on your car.
If you have a car loan or lease, your lender or leasing company will likely require you to carry full-coverage insurance. As vehicles can be very expensive, full coverage is also good to have so you can make the necessary repairs to your car and get back on the road sooner.
For full coverage, Chattanooga-based drivers pay on average $163 per month. Here are some of the cheapest full-coverage car insurance rates in Chattanooga.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $46 |
| USAA | $54 |
| GEICO | $59 |
| Auto-Owners | $62 |
| Travelers | $62 |
| Erie | $67 |
| Mile Auto | $71 |
| Allstate | $84 |
| Farmers | $90 |
| Nationwide | $111 |
| Progressive | $121 |
| Chubb | $130 |
| Safeco | $143 |
| Elephant | $154 |
| Direct Auto | $171 |
| State Auto | $173 |
| National General | $193 |
| The General | $215 |
| Dairyland | $223 |
| Liberty Mutual | $244 |
| Foremost | $261 |
| GAINSCO | $282 |
| Bristol West | $341 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Chattanooga, Tennessee
Recent Chattanooga, Tennessee car insurance prices for GMC, Hyundai, Honda , and more.
*Quotes generated for Insurify users in and around Chattanooga, Tennessee within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Chattanooga, Tennessee within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Tennessee
Like most states, Tennessee requires drivers to have a minimum amount of liability insurance. Drivers who don’t meet the minimum auto insurance coverage requirements face fines and risk losing their vehicle registration.[3]
Here are the minimum car insurance requirements for the state of Tennessee:
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
Chattanooga drivers may also benefit from some optional coverages, including:
Comprehensive coverage
Comprehensive coverage can pay for non-collision damage to your vehicle, such as theft, vandalism, storm damage, falling objects, and more.
Collision coverage
Collision coverage pays to repair your vehicle damage when you're at fault for a collision with another vehicle or a stationary object like a tree or light pole. It also covers rollover accidents and pothole damage.
Uninsured/underinsured motorist coverage
Although it’s illegal to drive without car insurance in Tennessee, 21% of the state’s drivers are uninsured, the fourth-highest rate in the U.S. UM/UIM is an optional coverage that can help cover your costs if you get into an accident with someone who has no insurance or whose insurance isn’t enough to pay for your damages. State law requires insurers to offer uninsured/underinsured motorist coverage. But you can opt out of buying it by signing a waiver.
Medical payments coverage
Also known as “MedPay,” medical payments coverage can pay for medical treatment for you and your passengers following a car accident. It can also cover funeral costs.
Gap insurance
If you lease or finance your vehicle, it's possible your insurance claim payout would be less than what you owe on the car in case of a total loss. Guaranteed asset protection (gap) insurance covers the difference between your loan or lease balance and your vehicle's actual cash value.
Accident forgiveness
An accident can cause your car insurance rates to rise when your policy comes up for renewal. But if you buy optional accident forgiveness coverage, your insurance company will keep your rate the same following your first at-fault accident. You usually must have a clean driving record for at least three years to be eligible for accident forgiveness.
Cheapest car insurance for drivers with an incident
Your driving record heavily affects your car insurance rates. Incidents like speeding tickets, DUIs, at-fault accidents, and other infractions can go on your driving record and increase car insurance rates for several years.
If you’re wondering how much your rates could increase with an incident on your record, Insurify has some current quotes for insurers serving Chattanooga.
Shop for Car Insurance in Chattanooga, TN
See personalized quotes in 5 minutes or less
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket: State Farm
Getting a speeding ticket in Tennessee is a violation that can add points to your driving record and cause your insurance rates to go up for three to five years. Chattanooga drivers with a speeding ticket on their record typically pay a monthly average of $234 for full-coverage insurance and $109 for liability only.
If you have a speeding ticket on your record, some insurers still offer cheap rates for Chattanooga residents. Here are some of the best liability-only coverage options to consider.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| State Farm | $23 | $30 |
| USAA | $27 | $35 |
| GEICO | $29 | $38 |
| Travelers | $30 | $40 |
| Auto-Owners | $31 | $41 |
| Erie | $33 | $45 |
| Mile Auto | $40 | $53 |
| Allstate | $41 | $54 |
| Farmers | $44 | $58 |
| Nationwide | $55 | $73 |
| Progressive | $60 | $78 |
| Chubb | $64 | $85 |
| Direct Auto | $70 | $92 |
| Safeco | $76 | $101 |
| Dairyland | $82 | $108 |
| State Auto | $85 | $120 |
| National General | $92 | $122 |
| Elephant | $96 | $136 |
| The General | $100 | $134 |
| GAINSCO | $101 | $143 |
| Liberty Mutual | $129 | $183 |
| Foremost | $131 | $185 |
| Bristol West | $138 | $183 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
An accident that results in a claim can affect your car insurance rates, even if you’re not at fault for the crash. But it’s still possible to find affordable car insurance following an accident claim. Some insurers even offer optional accident forgiveness coverage that can help hold down your premiums after a single at-fault accident.
In Chattanooga, the monthly average rate for full-coverage insurance with an accident on your record is $242, while liability-only coverage costs $113. Here are some of the best monthly insurance rates for liability-only coverage in Chattanooga when you have an accident on your record.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| State Farm | $23 | $31 |
| USAA | $27 | $37 |
| GEICO | $29 | $40 |
| Travelers | $30 | $42 |
| Auto-Owners | $31 | $43 |
| Erie | $33 | $46 |
| Mile Auto | $40 | $56 |
| Allstate | $41 | $57 |
| Farmers | $44 | $60 |
| Nationwide | $55 | $76 |
| Progressive | $60 | $83 |
| Chubb | $64 | $89 |
| Direct Auto | $70 | $99 |
| Safeco | $76 | $104 |
| Dairyland | $82 | $112 |
| State Auto | $85 | $127 |
| National General | $92 | $127 |
| Elephant | $96 | $130 |
| The General | $100 | $140 |
| GAINSCO | $101 | $133 |
| Liberty Mutual | $129 | $189 |
| Foremost | $131 | $192 |
| Bristol West | $138 | $190 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
Driving under the influence of alcohol is a serious offense that can result in much higher car insurance rates, non-renewal of your policy, or even mid-term cancellation. In Tennessee, first-time offenders can lose their license for up to one year and be subject to a fine, and the DUI will stay on their Tennessee driver's record permanently. You may even do jail time if your blood alcohol level exceeds a certain limit.[4]
In 2023, 23% of accidents in Chattanooga that resulted in fatalities or serious injury, involved a drunk driver, state data shows. The average monthly cost in Chattanooga for drivers with a DUI conviction is $275 for full coverage and $128 for liability coverage. If you’re recovering from having a DUI on your record and looking for car insurance, here are some of the best monthly liability-only rates for drivers in Chattanooga.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| State Farm | $23 | $38 |
| USAA | $27 | $45 |
| GEICO | $29 | $48 |
| Travelers | $30 | $50 |
| Auto-Owners | $31 | $52 |
| Erie | $33 | $55 |
| Mile Auto | $40 | $67 |
| Allstate | $41 | $68 |
| Farmers | $44 | $73 |
| Nationwide | $55 | $92 |
| Progressive | $60 | $100 |
| Chubb | $64 | $107 |
| Direct Auto | $70 | $117 |
| Safeco | $76 | $118 |
| Dairyland | $82 | $137 |
| State Auto | $85 | $142 |
| National General | $92 | $153 |
| Elephant | $96 | $160 |
| The General | $100 | $167 |
| GAINSCO | $101 | $168 |
| Liberty Mutual | $129 | $215 |
| Foremost | $131 | $218 |
| Bristol West | $138 | $230 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
Senior drivers typically have the cheapest car insurance rates of any age group. But seniors’ rates can begin to increase again around age 70 due to an increased risk of accidents.
On average, seniors in Chattanooga pay $85 per month for car insurance. But senior Chattanoogans have options for holding down their car insurance costs. Keeping a clean driving record and taking advantage of discounts such as bundling can help.
Here are some of the best monthly car insurance rates for seniors in Chattanooga.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| State Farm | $33 | $17 |
| USAA | $40 | $20 |
| GEICO | $44 | $21 |
| Auto-Owners | $45 | $23 |
| Travelers | $45 | $22 |
| Erie | $47 | $23 |
| Mile Auto | $50 | $28 |
| Allstate | $62 | $31 |
| Farmers | $65 | $32 |
| Nationwide | $76 | $38 |
| Progressive | $80 | $40 |
| Chubb | $87 | $43 |
| Safeco | $114 | $60 |
| Elephant | $117 | $73 |
| State Auto | $119 | $59 |
| Direct Auto | $123 | $50 |
| National General | $136 | $65 |
| The General | $162 | $75 |
| Dairyland | $165 | $61 |
| Liberty Mutual | $190 | $101 |
| Foremost | $193 | $97 |
| GAINSCO | $220 | $79 |
| Bristol West | $254 | $103 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
Having less experience on the road and high accident rates, young drivers pay higher car insurance rates. In Chattanooga, the overall average car insurance cost for teen drivers is $212 per month.
Teens and drivers younger than 25 can still save by utilizing certain discounts insurers offer.
Many insurance companies offer a discount for students who earn good grades. Others provide driver safety courses that give you a discount on your premium once you successfully complete the program. Young drivers may also be able to save by staying on their parents’ insurance for longer, even while they're away at college. Teens under 18 won't be able to buy their own policy without written consent from a parent or guardian.
To narrow down your insurance coverage options, here are some of the cheapest monthly car insurance quotes for teens and young adults purchasing their own policies in Chattanooga.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| State Farm | $81 | $40 |
| USAA | $92 | $46 |
| GEICO | $96 | $47 |
| Auto-Owners | $106 | $53 |
| Erie | $114 | $56 |
| Travelers | $114 | $55 |
| Mile Auto | $140 | $79 |
| Allstate | $152 | $74 |
| Farmers | $160 | $78 |
| Nationwide | $197 | $98 |
| Progressive | $216 | $107 |
| Chubb | $253 | $125 |
| Elephant | $255 | $159 |
| Safeco | $280 | $149 |
| State Auto | $313 | $154 |
| Direct Auto | $318 | $130 |
| The General | $348 | $162 |
| Dairyland | $367 | $135 |
| National General | $386 | $184 |
| Liberty Mutual | $427 | $226 |
| Foremost | $472 | $237 |
| GAINSCO | $496 | $178 |
| Bristol West | $585 | $237 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Chattanooga car insurance quotes by credit tier
Like most other states, Tennessee allows insurers to consider your credit history when determining your car insurance rates. Insurers use your credit information to generate a credit-based insurance score, which measures the risk that you’ll file an insurance claim.
While an excellent credit score is considered anything 720 and higher, several other factors determine your actual car insurance rate. Even if you have a lower credit score, you can work to improve your credit and be mindful that insurers consider several other rating factors as well.
Here are the average monthly quotes for a full-coverage policy in Chattanooga based on credit tiers.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Chattanooga?
Chattanooga has some of the lowest car insurance rates of Tennessee cities. The average cost of insurance in Chattanooga is $120, compared to $135 in Nashville.
Car insurance rates can vary across cities depending on factors like population, traffic, and the rate of accidents or vandalism in the area.
More cities in Tennessee
Here’s how the average monthly car insurance quote differs in other Tennessee cities compared to Chattanooga.
City ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Clarksville | $174 | $78 |
| Jackson | $163 | $70 |
| Knoxville | $151 | $73 |
| Memphis | $223 | $105 |
| Murfreesboro | $167 | $78 |
| Nashville | $186 | $85 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Chattanooga car insurance FAQs
Whether you’re looking for cheap SR-22 insurance in Tennessee following a DUI conviction or need gap insurance to provide your new car with the maximum coverage possible, you may still have questions about car insurance in Chattanooga. Here are answers to some commonly asked questions.
How much is car insurance in Chattanooga?
The overall average cost of car insurance in Chattanooga is $120 per month. The average cost of a full-coverage policy is $163 per month, and liability-only coverage costs $76 on average.
Which companies have the cheapest car insurance in Chattanooga?
State Farm has the cheapest car insurance in Chattanooga, with monthly liability rates as low as $23. USAA and GEICO also offer affordable coverage, with respective monthly liability rates of $27 and $29.
But the cheapest insurer for you will depend on many factors, such as your age, ZIP code, the type of car you drive, and the coverage levels you choose.
What are the best car insurance companies in Chattanooga?
State Farm, USAA, and Mile Auto are among the best car insurance companies in Chattanooga, offering affordable rates, numerous discounts, and a variety of coverage options. State Farm leads as a top pick, with an Insurify Quality (IQ) Score of 9.3 out of 5 and a J.D. Power score of 842 for customer satisfaction. It also has competitively low rates.
Is it illegal to not have car insurance in Tennessee?
Yes. Although more than 20% of the state’s drivers forgo car insurance, it’s against the law to drive while uninsured in Tennessee. Driving without insurance in the Volunteer State could result in fines and suspension of your driver's license and vehicle registration.
What are Tennessee’s minimum car insurance requirements?
Tennessee requires car insurance for all vehicles registered in the state. To comply with state law, you’ll need to have at least:
$25,000 bodily injury coverage per person
$50,000 bodily injury coverage per accident
$25,000 property damage per accident
Keep in mind, though, that the state’s minimum liability amount may not provide you sufficient financial protection. For example, if you cause an accident that totals an expensive luxury vehicle, $25,000 might not cover the cost to replace the vehicle — and you’d be liable for paying the difference.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Tennessee
Sources
- Tennessee Department of Safety & Homeland Security. "Tennessee Traffic Fatalities."
- Insurance Research Council. "One in Eight Drivers Uninsured."
- Tennessee Department of Revenue. "Why You Should Have Auto Insurance."
- Tennessee Department of Safety & Homeland Security. "DUI Offenses."
)
Choncé Maddox
Choncé Maddox is a Certified Financial Education Instructor (CFEI) and personal finance freelance writer. She graduated from Northern Illinois University with a degree in Journalism and has been covering personal finance topics surrounding saving, debt payoff, credit, and home insurance for seven years. Chonce briefly held a life insurance license in Illinois where she developed a passion for helping people learn how to protect themselves and their property through insurance coverage. Her work has been featured on LendingTree, Business Insider, RateGenius and more.
10+ years in insurance and personal finance content
30+ years in media, PR, and content creation
Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.
Featured in
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
)
)
)
)
)