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Cheap Auto Insurance Quotes in Chattanooga, TN (January 2022)

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Last Updated: January 2022

Car Insurance in Chattanooga, TN

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 and free quotes.

With Insurify, you can compare customized insurance quotes from national carriers like State Farm and GEICO along with local providers so you can quickly find the cheapest deal for auto insurance rates. You’ll even be able to toggle between deductibles and coverage limits until you find a policy that fits your budget. It’s completely free and takes just a few minutes!

Auto insurance rates aren’t just based on the coverage options you choose, though you will pay more for full coverage than liability insurance. The average cost of Tennessee car insurance will vary from city to city and between insurance companies. Below is what Tennessee residents pay, on average, in each major city in the state. Check out how Chatanooga compares:
$77
$80
$117
$123
$135
AllstateNational GeneralTravelersElephantSafeco

Cheapest Car Insurance in Chattanooga, TN

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums in Chattanooga on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Best Car Insurance in Chattanooga, TN

While buying cheap insurance to save money is important, it’s also important to choose a company that can reliably pay claims and offer good customer service. We evaluated a range of financial strength and customer satisfaction indicators to find the best car insurance companies in Chattanooga, so you can compare our results against your quotes for insurance coverage.

Average Car Insurance Cost

$131
$159
$112
$124
$125
$134
TennesseeMemphisKnoxvilleClarksvilleMurfreesboroChattanooga
Click here to learn about car insurance quotes and save on your current policy.

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

One of the most important factors in determining your auto insurance rates is your age. Young drivers are the most expensive to insure because they are inexperienced and have a higher risk of getting into a car accident. While adults are cheaper to insure than teens, one way to lower insurance costs is by bundling auto insurance with homeowners or renters insurance.
Driving History
Clean Record$140
Speeding Ticket$190
At-Fault Accident$196
Failure to Stop for Red Light / Stop Sign$129

Chattanooga Car Insurance Rates by Driving and Accident History

Auto insurance companies view drivers with infractions on their driving records as a greater risk to insure. That’s why you’ll pay more for car insurance if you have speeding tickets, DUIs, or accidents in your driving history. Here’s what Chattanooga drivers with these issues pay on average for car insurance when compared to drivers with a clean driving record.

Chattanooga Car Insurance Rates by Credit Tier

About 95 percent of insurers use your credit score, which is based on information in your credit report, when determining your rate. That’s because historical research shows that people with low scores account for a higher percentage of paid claims. Here’s the average rate you can expect to pay for car insurance in Chattanooga, Tennessee based on your credit score

Chattanooga DMV Information

The Tennessee Department of Drivers Services Has A DMV outpost for Chattanooga/Bonny Oaks residents. 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. The Chattanooga DMV is located at:

6502 Bonny Oaks Drive
Chattanooga, TN 37416
(866) 849-3548

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.

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
#27
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 in 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 in 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 in 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 in 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 Drivers in 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 in 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 in 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 in 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 in 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%

How to get the best and cheapest car insurance in Chattanooga

As Chattanooga 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.


FAQs - Chattanooga, TN Car Insurance

How do I find cheap car insurance in Chattanooga, TN?

You can use Insurify to find the car insurance companies that will offer you the cheapest coverage options for Chattanooga auto insurance. The average Insurify user saves $585 per year simply by comparing quotes they found on the platform and switching to a cheaper provider.

How much does car insurance cost in Chattanooga, TN?

Chattanooga auto insurance costs an average of $125 per month, but your actual rate will vary depending on the coverage you choose, your deductible amount, your age and gender, your credit score, and your driving history. For example, a driver with minimum coverage and a clean record will most likely pay less than a driver with full coverage and a prior accident.

What drives up car insurance rates in Chattanooga, TN?

The average cost of car insurance in Tennessee is actually lower than the national average. Individual factors, such as accidents on your record and bad credit, can drive up the cost of car insurance in Chattanooga. And if you buy full-coverage car insurance, you’ll likely pay about twice as much as you would for a liability policy.

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.


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