Cheap Auto Insurance Quotes in Chattanooga, TN (2021)

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Chattanooga: The Gateway to the South

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 forest.

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 the Scenic City. 

Car Insurance in Chattanooga, TN

The average cost of Tennessee car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Chattanooga, TN to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
$60
$77
$99
$133
$146
ProgressiveAllstateState FarmNationwideAmerican Family
Monthly $

Cheapest Car Insurance in Chattanooga, TN

Here are the cheapest carriers in Chattanooga for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance 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 carrier reviews. The following are the top rated carriers that offer car insurance in Chattanooga. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$128
$159
$112
$120
$125
$125
TennesseeMemphisKnoxvilleClarksvilleMurfreesboroChattanooga
Monthly $

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Chattanooga, TN Driving Facts

tennessee

Minimum Car Insurance Requirements in TN

All motor vehicles operated or parked on Tennessee roadways are required to be insured. The minimum liability car insurance requirements for private passenger vehicles in Tennessee are as follows:

  • $30,000 per person/$60,000 per accident for Bodily Injury (BI)

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Tennessee state law are $30,000 for the death or injury of a single victim as a result of a car accident and $60,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 30/60, referring to the dollar limitations of each minimum. If you’re in an accident, liability coverage will cover the cost of a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Tennessee law.

 

  • $15,000 per accident for Property Damage (PD)

The state minimum amount of property damage liability coverge required in the state of Tennessee is $15,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

Chattanooga Car Insurance Rates by Driver Age

As Chattanooga’s average car insurance rates demonstrate, younger drivers shoulder more costs when paying monthly car insurance premiums. Monthly premiums for drivers in their teens average out to $300, while motorists in their 30s and 40s pay $152 and $151, respectively, for the same coverage. Why the big difference? Due to inexperience, younger drivers tend to make more claims than motorists who’ve clocked more time on the road. In this city, seniors pay the least, with drivers in their 60s paying $115 on average and people in their 70s paying just $118.

Driving History
No Violation$158
Speeding Ticket$228
At-Fault Accident$238
Failure to Stop for Red Light / Stop Sign$129

Chattanooga Car Insurance Rates by Driving and Accident History

'Insurance companies use many variables to determine a driver’s risk and set rates. In addition to asking for details like age and where you live, insurance companies will check your driving behavior. They do this by reviewing your motor vehicle record (MVR) when you establish your policy and when it''s time to renew. It pays to drive well in Chattanooga to avoid any rate increases. Drivers with a perfect record in Chattanooga pay $157 on average in monthly insurance premiums. Compared to someone with a speeding violation or at-fault accident on their record, that rate’s a steal. Drivers with a violation history can pay upwards of 50 percent more for the same policy.'

Chattanooga Car Insurance Rates by Credit Tier

It’s so easy to get in trouble with credit these days. Keeping insurance rates low is one reason you should be paying attention to your score. Car insurance companies use credit-based insurance scores to determine your risk and set rates. Statistics show that those who are better at managing their money are also less likely to make a claim. Insurance companies charge motorists with lower scores more to make up for claims losses. In Chattanooga, drivers with an excellent credit score can expect to pay $150 in car insurance monthly. Comparatively speaking, drivers with a credit score of just average can pay up to 29 percent more.

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 connects 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.

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.

Find local Chattanooga agents

RPA Insurance LLC dba RSS Insurance. 
6236 Airpark Drive, Chattanooga, TN 37421
Reliance Partners 
325 Market Street, Chattanooga, TN 37402
RISE Insurance 
412 Georgia Ave, Ste 202, Chattanooga, TN 37403
Insurance Advisors of Tennessee 
4159 Ringgold Rd Suite 106, Chattanooga, TN 37412
FINS Agency, LLC 
3206 Dayton Blvd, Chattanooga, TN 37415
First Horizon Insurance Group, Inc. 
701 Market St Ste 500, Chattanooga, TN 37402-4800
Northshore Insurance, LLC 
699 Dallas Rd Ste 2, Chattanooga, TN 37405
Stevens Insurance Associates, LLC 
6400 Lee Hwy Suite 107, Chattanooga, TN 37421-2452
Cornerstone Insurance Group 
6505 Lee Hwy, Chattanooga, TN 37421-2420
Rock Creek Insurance 
1200 Mountain Creek Rd Ste 260, Chattanooga, TN 37405-1689

Insurify Insights: How Chattanooga Drivers Measure Up

nissan
Nissan Altima
Most Popular Car in
Chattanooga, TN
suspended licenses
#18
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Chattanooga drivers measure up to their fellow Tennessee motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Chattanooga

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Chattanooga drivers rank 22 in the number of car accidents per driver across all cities in Tennessee.

  • Rank within state: #22
  • Percent of drivers in Chattanooga with an accident: 11.92%
  • Drivers in Chattanooga, TN with an accident in their driving history paid on average 40.14% more than drivers with a clean record

Speeding Chattanooga

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Tennessee, Chattanooga drivers rank 31 in the number of speeding infractions per driver.

  • Rank within state: #31
  • Percent of drivers in Chattanooga with a speeding ticket: 9.61%
  • Drivers in Chattanooga, TN with a speeding ticket in their driving history paid on average 39.44% more than drivers with a clean record

DUI/DWIs Chattanooga

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Chattanooga drivers rank 17 in the number of DUI’s per driver across all cities in Tennessee.

  • Rank within state: #17
  • Percent of drivers in Chattanooga with a DUI: 1.93%
  • Drivers in Chattanooga, TN with a DUI in their driving history paid on average 39.44% more than drivers with a clean record

Most Popular Vehicle Chattanooga

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Chattanooga is the Nissan Altima.

Rude Chattanooga

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Tennessee, Chattanooga drivers rank 1 in rude driving infractions.

  • Rank within state: #1
  • Percent of drivers in Chattanooga with a reckless driving violation: 2.74%
  • Drivers in Chattanooga, TN with a reckless driving violation in their driving history paid on average 35.21% more than drivers with a clean record.

Safest Drivers Chattanooga

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Chattanooga drivers rank 5 in clean driving records across all cities in Tennessee.

  • Rank within state: #5
  • Percent of drivers in Chattanooga with clean record: 78.96%

Failure to Yield the Right of Way Chattanooga

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Chattanooga drivers rank 1 in failure to yield violations per driver across all cities in Tennessee.

  • Rank within state: #1
  • Percent of drivers in Chattanooga with a failure to yield violation: 1.23%
  • Drivers in Chattanooga, TN with a failure to yield violation in their driving history paid on average 2000% more than drivers with a clean record

Reckless Drivers Chattanooga

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Tennessee, Chattanooga drivers rank 9 in the number of reckless driving offenses per driver.

  • Rank within state: #9
  • Percent of drivers in Chattanooga with a reckless driving offense: 0.11%

Hybrid/Electric Vehicle Ownership Chattanooga

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Chattanooga drivers rank 21 in hybrid and electric vehicle ownership across all cities in Tennessee.

  • Rank within state: #21
  • Percent of drivers in Chattanooga with a hybrid/electric vehicle: 0.31%

FAQs - Chattanooga, TN Car Insurance

How do I file a claim after a car accident in Tennessee?

If you’re ever involved in an accident, first call the police. Having an officer on the scene will ensure a valuable set of eyes sees damage first hand. Seek immediate medical treatment if necessary and exchange contact information with the other driver or drivers involved. Make sure to take photos of the damage to your car and other vehicles involved in the accident. Next, to file an insurance claim, call your provider to inform them you’ve been in an accident. An agent will walk you through your coverage and what steps to take to get yourself back on the road.

What happens if I get caught driving uninsured in Tennessee?

You should never drive a vehicle if you’re uninsured. An estimated 20 percent of drivers in Tennessee are currently driving while uninsured. Serious penalties may occur if you’re caught or involved in an accident without insurance. Driving without liability coverage in Tennessee may result in a $300 fine, administrative fine fees, driver’s license, and registration suspension, restoration fees, commissioner of safety fees, and SR-22 for three years. Uninsured drivers pose dangers to themselves and those around them.

Who has the cheapest car insurance in Tennessee?

The best way to get the cheapest car insurance in Tennessee and save on your auto insurance premium is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.