Best Cheap Auto Insurance in Chattanooga, Tennessee (2024)

Car insurance rates in Chattanooga are some of the cheapest in Tennessee. Chattanoogans can find good options from insurers like State Farm, USAA, and Mile Auto.

Choncé Maddox
Written byChoncé Maddox
Choncé Maddox
Choncé 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.

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Evelyn Pimplaskar
Evelyn PimplaskarEditor-in-Chief, Director of Content
  • 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.

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Updated February 26, 2024 at 11:00 AM PST

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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 $218, while the state average is $227.

Tennessee’s declining accident rate — crashes were down nearly 6% statewide as of Aug. 1, 2023[1] — and Chattanooga’s comparatively smaller population (184,086 people) likely contribute to the city’s slightly lower car insurance costs.

State Farm, USAA, and Mile Auto are among the cheapest and best insurers in Tennessee’s fourth-largest city. Several insurers offer rates below the city’s overall average of $173 per month.

Quick Facts
  • Chattanooga is one of the best cities for cheap car insurance rates in Tennessee.

  • 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]

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Best car insurance companies in Chattanooga

Finding the best car insurance in Chattanooga that also fits your budget will depend on a few 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.

Best insurer for full coverage: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$21/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.
$44/mo

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
  • Gap insurance and accident forgiveness not available

  • Some discounts have an age limit (including Steer Clear)

I am happy with their coverage. I just bought a new car, and my insurance quadrupled. YIKES.

Stacy - December 4, 2023
Verified

Friendly service.

John - December 4, 2023
Verified

Got insurance established fast.

Robert - December 3, 2023
Verified
Read our State Farm review

Best insurer for drivers with an at-fault accident: Auto-Owners

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.1
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
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.
$61/mo

Auto-Owners has been around 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

I was pleased with the agent and for years the price, but now they have gotten too expensive for a person on a fixed income.

Mary - August 13, 2023
Verified

I was dropped because of two minor at-fault accidents in two plus years.

Zachary - January 8, 2023
Verified

You can work directly with an agent.

Guy - May 17, 2022
Verified
Read our Auto-Owners review

Best insurer for young drivers: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
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.
$27/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.
$58/mo

GEICO is a well-known insurance company with 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 for rideshare insurance not available

  • Accident forgiveness not available

Everything good except the price.

RAY - December 4, 2023
Verified

I have not had problems; prices just remain high with little to no customer service and little benefit from 26+ years of customer loyalty.

Elizabeth - December 3, 2023
Verified

I had been with them a few years until they started raising my rates every time I was up for renewal. I got a new quote from another company that was $50 less than GEICO for the same coverage. That's not how to show customer loyalty, and it's the reason GEICO lost me as a customer.

Denise - December 3, 2023
Verified
Read our GEICO review

Cheapest liability-only car insurance in Chattanooga

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 on the hook 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. Here are some of the cheapest liability-only car insurance rates in Chattanooga.

The below rates are estimated rates current as of: Monday, February 26 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
State Farm21
USAA25
GEICO27
Auto-Owners29
Travelers29
Erie31
Mile Auto37
Allstate39
Farmers42
Safeco44
Nationwide52
Progressive57
Chubb60
Midvale Home & Auto65
Dairyland66
National General69
State Auto70
Liberty Mutual72
Elephant78
Direct Auto84
GAINSCO96
The General114
Bristol West135
Foremost137
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

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 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. Here are some of the cheapest full-coverage car insurance rates in Chattanooga.

The below rates are estimated rates current as of: Monday, February 26 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
State Farm44
USAA53
GEICO58
Auto-Owners61
Erie65
Mile Auto66
Travelers80
Allstate82
Farmers88
Safeco103
Nationwide106
Progressive119
Midvale Home & Auto120
Elephant122
Chubb126
Liberty Mutual153
National General158
State Auto159
Direct Auto174
Dairyland183
The General184
GAINSCO251
Foremost262
Bristol West319
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.

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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:

CoverageMinimum Requirements
Bodily injury liability$25,000 per person and $50,000 per accident 
Property damage liability$25,000 per accident

Chattanooga drivers may also benefit from some optional coverages, including:

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive

    Comprehensive coverage can pay for non-collision damage to your vehicle, such as parts theft, vandalism, storm damage, falling objects, and more. It can also reimburse you if a hit-and-run driver damages your car.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision

    Collision coverage typically pays for damage related to any type of crash, whether you back into a telephone pole, hit a pothole, or collide with another vehicle.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist

    Although it’s illegal to drive without car insurance in Tennessee, 24% of the state’s drivers are uninsured. Uninsured/underinsured motorist coverage 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.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments

    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.

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.

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.

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Cheapest car insurance for drivers with a speeding ticket

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. If you have a speeding ticket on your record, some insurers still offer cheap rates for Chattanooga residents. Here are some of the best coverage options to consider.

The below rates are estimated rates current as of: Monday, February 26 at 11:00 AM PST
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
State Farm5526
USAA6732
GEICO7434
Auto-Owners8038
Erie9043
Mile Auto9855
Allstate10450
Travelers10438
Farmers11254
Nationwide13667
Safeco14260
Elephant157100
Progressive15876
Chubb16378
National General20288
Liberty Mutual21099
State Auto21996
Direct Auto232112
Dairyland24187
The General242150
GAINSCO312119
Bristol West413175
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

An accident that results in a claim can affect your car insurance rates, even if you’re not at fault for the crash. However, 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 accident.

Here are some of the best monthly insurance rates in Chattanooga when you have an accident on your record.

The below rates are estimated rates current as of: Monday, February 26 at 11:00 AM PST
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
State Farm5928
USAA7134
GEICO7836
Auto-Owners8340
Erie9445
Mile Auto10559
Travelers10940
Allstate11052
Farmers11857
Nationwide14471
Safeco15265
Elephant166106
Progressive16780
Chubb17181
National General21695
Liberty Mutual222104
State Auto235103
Direct Auto245118
Dairyland25291
The General256159
GAINSCO332127
Bristol West428181
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

Driving under the influence of alcohol is a serious offense that can result in much higher car insurance rates. In Tennessee, first-time offenders can lose their license for up to one year and be subject to a fine. You may even do jail time if your blood alcohol level exceeds a certain limit.[4]

If you’re recovering from having a DUI on your record and looking for car insurance, here are some of the best monthly rates for drivers in Chattanooga.

The below rates are estimated rates current as of: Monday, February 26 at 11:00 AM PST
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
State Farm7134
USAA8540
GEICO9343
Erie9445
Auto-Owners9847
Mile Auto10659
Travelers12947
Allstate13263
Farmers14168
Safeco16671
Nationwide17084
Progressive19192
Elephant196125
Chubb20396
Liberty Mutual246116
Direct Auto252122
National General254111
State Auto256113
Dairyland294106
The General296183
GAINSCO404154
Foremost421220
Bristol West513217
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

Senior drivers typically have the cheapest car insurance rates of any age group. But seniors’ rates can begin to increase again around age 75. Although older motorists tend to drive fewer miles, they may be more at risk for accidents due to changes in mobility, vision, and reflexes.

Still, 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: Monday, February 26 at 11:00 AM PST
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
State Farm2211
USAA3014
Auto-Owners3215
Erie3215
GEICO3215
Mile Auto3821
Travelers4416
Allstate4622
Farmers4722
Nationwide5125
Progressive5225
Chubb5928
Safeco6829
Elephant6944
Liberty Mutual8741
Direct Auto9546
National General10446
Dairyland11040
The General12074
GAINSCO16162
Bristol West18578
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

Having less experience on the road, young drivers tend to pay higher car insurance rates. 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 programs 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.

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: Monday, February 26 at 11:00 AM PST
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
State Farm7234
USAA8440
GEICO8741
Auto-Owners9846
Erie11454
Mile Auto12168
Allstate13866
Travelers13850
Farmers14770
Nationwide17385
Safeco17776
Elephant193124
Progressive20498
Chubb223106
Liberty Mutual249117
State Auto273120
The General280174
Dairyland283102
National General289126
Direct Auto304147
GAINSCO435166
Foremost450235
Bristol West507215
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.

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)

Guide to Car Insurance Discounts (2024)

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Chattanooga car insurance quotes by credit tier

Tennessee is one of several states that allow insurers to consider your credit history when determining your car insurance rates. Insurers use your credit information to generate an insurance credit 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 go into determining 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 factors as well.

Here are the average monthly quotes for a full-coverage policy in Chattanooga based on credit scores.

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 $173, compared to $188 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.

CityAverage Monthly QuoteCompared to Chattanooga
Antioch$23837%
Clarksville$24139%
Cordova$30777%
Knoxville$21725%
Memphis$30073%
Murfreesboro$24139%
Nashville$22530%
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.

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 $173 per month — about 24% higher than the national average cost, according to Insurify data. The average cost of a full-coverage policy is $218 per month, and liability-only coverage costs $128 on average.

  • 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 4.4 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 nearly a quarter 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 cancellation of your 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. Tennessee Department of Safety and Homeland Security. "Recent Crashes." Accessed August 2, 2023
  2. Insurance Research Council. "One in Eight Drivers Uninsured." Accessed August 2, 2023
  3. Tennessee Department of Revenue. "Why You Should Have Auto Insurance." Accessed August 2, 2023
  4. Tennessee Department of Safety & Homeland Security. "DUI Offenses." Accessed August 2, 2023
Choncé Maddox
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.

Evelyn Pimplaskar
Edited byEvelyn PimplaskarEditor-in-Chief, Director of Content
Evelyn Pimplaskar
Evelyn PimplaskarEditor-in-Chief, Director of Content
  • 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.

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