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.
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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Cheapest recent rates in Tennessee
Drivers using Insurify have found quotes as cheap as $31/mo for liability only and $49/mo for full coverage in Tennessee.
*Quotes generated for Insurify users from Tennessee within the last 10 days. Last updated on April 17, 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 April 17, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Tennessee within the last 10 days. Last updated on April 17, 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 April 17, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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 $158, while the state average is $176.
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 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 $82 and $158, 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 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.
Insurance Company
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.
Full Coverage
Liability Only
Best For
State Farm
4.5
$46
$22
Full coverage
GEICO
4.2
$60
$29
Young drivers
Auto-Owners
4.0
$63
$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 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.
Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.
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)
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.
$28/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.
$57/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
I had an accident and they raised my rates to over $8,000 a year. I initially thought I was making normal upfront payments, but it turned out to be monthly payments.
Jerrett - April 15, 2024
Verified
Poor
Too expensive.
Randy - April 15, 2024
Verified
Good
It's a good company, but I feel the price keeps going up.
…
Best insurer for drivers with an at-fault accident: Auto-Owners
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.
$60/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 had a major claim due to a fire, which was not my fault. They handled it poorly and the complex ended up tearing down my building. They did make a payment, but there was a $10,000 depreciation on my goods.
Erin - April 7, 2024
Verified
Unhappy with Renewal Costs
The premium is ridiculously expensive for the few miles I drive.
Brandy - April 6, 2024
Verified
Fair Prices from a Trustworthy Company
I've had zero issues!
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.
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 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.
For drivers in Chattanooga, the average monthly cost of liability coverage is $82. Here are some of the cheapest liability-only car insurance rates in Chattanooga.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
State Farm
21
USAA
25
GEICO
28
Auto-Owners
29
Travelers
29
Erie
31
Mile Auto
37
Allstate
39
Farmers
42
Safeco
45
Nationwide
51
Progressive
56
Chubb
60
Midvale Home & Auto
67
Dairyland
68
National General
70
State Auto
70
Liberty Mutual
73
Elephant
80
Direct Auto
86
GAINSCO
97
The General
114
Bristol West
137
Foremost
145
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 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 $158 per month. Here are some of the cheapest full-coverage car insurance rates in Chattanooga.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
State Farm
44
USAA
52
GEICO
57
Auto-Owners
60
Erie
65
Mile Auto
66
Travelers
79
Allstate
81
Farmers
87
Safeco
100
Nationwide
106
Progressive
117
Midvale Home & Auto
119
Chubb
125
Elephant
126
Liberty Mutual
153
State Auto
158
National General
160
Direct Auto
186
The General
189
Dairyland
190
GAINSCO
258
Foremost
274
Bristol West
330
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.
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 coveragecan 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.
Collision coverage
Collision coveragetypically pays for damage related to any type of crash, whether you back into a telephone pole, hit a pothole, or collide with another vehicle.
Uninsured/underinsured motorist coverage
Although it’s illegal to drive without car insurance in Tennessee, 24% of the state’s drivers are uninsured. Uninsured/underinsured motorist coverageis 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.
Medical payments coverage
Also known as “MedPay,”medical payments coveragecan 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.
Shop for Car Insurance in Chattanooga, TN
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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. Chattanooga drivers with a speeding ticket on their record typically pay an a monthly average of $222 for full-coverage insurance and $115 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 coverage options to consider.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Speeding Ticket
State Farm
21
26
USAA
25
32
GEICO
28
36
Auto-Owners
29
38
Travelers
29
38
Erie
31
43
Mile Auto
37
52
Allstate
39
50
Farmers
42
54
Safeco
45
62
Nationwide
51
66
Progressive
56
74
Chubb
60
78
Dairyland
68
90
National General
70
90
Liberty Mutual
73
100
Elephant
80
103
Direct Auto
86
113
GAINSCO
97
121
The General
114
151
Bristol West
137
178
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 accident.
In Chattanooga, the monthly average rate for full-coverage insurance with an accident on your record is $232, while liability-only coverage costs $120. 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: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Accident
State Farm
21
28
USAA
25
34
GEICO
28
38
Auto-Owners
29
40
Travelers
29
40
Erie
31
45
Mile Auto
37
56
Allstate
39
53
Farmers
42
57
Safeco
45
66
Nationwide
51
69
Progressive
56
78
Chubb
60
82
Dairyland
68
94
National General
70
96
Liberty Mutual
73
106
Elephant
80
109
Direct Auto
86
120
GAINSCO
97
129
The General
114
159
Bristol West
137
185
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. 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]
The average monthly cost in Chattanooga for drivers with a DUI conviction is $263 for full coverage and $137 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 rates for drivers in Chattanooga.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With DUI
State Farm
21
34
USAA
25
40
GEICO
28
45
Auto-Owners
29
47
Travelers
29
47
Erie
31
46
Mile Auto
37
62
Allstate
39
63
Farmers
42
68
Safeco
45
72
Nationwide
51
82
Progressive
56
90
Chubb
60
96
Dairyland
68
109
National General
70
113
Liberty Mutual
73
117
Elephant
80
129
Direct Auto
86
138
GAINSCO
97
156
The General
114
183
Bristol West
137
220
Foremost
145
233
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. Although older motorists tend to drive fewer miles, they may be more at risk for accidents due to changes in mobility, vision, and reflexes.
On average, seniors in Chattanooga pay $84 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: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Full Coverage
Liability Only
State Farm
31
15
USAA
38
18
GEICO
42
20
Auto-Owners
44
21
Erie
46
22
Mile Auto
47
26
Travelers
57
21
Allstate
60
29
Farmers
63
30
Nationwide
73
35
Progressive
77
37
Safeco
79
35
Chubb
84
40
Elephant
92
58
Liberty Mutual
116
55
National General
120
52
Direct Auto
132
61
Dairyland
142
51
The General
143
86
GAINSCO
196
74
Bristol West
245
102
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, young drivers pay higher car insurance rates. In Chattanooga, the overall average car insurance cost for teen drivers is $196 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 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: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Full Coverage
Liability Only
State Farm
72
35
USAA
82
40
GEICO
86
42
Auto-Owners
96
46
Erie
114
54
Mile Auto
123
69
Allstate
137
66
Travelers
137
50
Farmers
146
70
Safeco
172
77
Nationwide
174
84
Elephant
200
127
Progressive
202
97
Chubb
223
107
Liberty Mutual
248
118
The General
290
175
National General
293
128
Dairyland
296
106
Direct Auto
327
151
GAINSCO
444
167
Foremost
471
249
Bristol West
526
219
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
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 determine your actual car insurance rate. Even if you have alower 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 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 $144 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.
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 $158 per month, and liability-only coverage costs $82 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 $21. USAA and GEICO also offer affordable coverage, with respective monthly liability rates of $25 and $28.
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 4.5 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.
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 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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