In Chattanooga, Farm Bureau offers the lowest minimum coverage car insurance at $334 per year, while Auto-Owners provides the cheapest full coverage at $915 annually. Other affordable insurers in the city include Travelers, Erie and Penn National.
Car Insurance in Chattanooga
Updated: August 10, 2025
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Key Takeaways
The cheapest car insurance companies in Chattanooga are Farm Bureau and Auto-Owners, with savings up to 31% compared to the city average.
On average, Chattanooga car insurance costs $101 per month for full coverage and $47 for minimum coverage.
To get the best cheap auto insurance in Chattanooga, we recommend deciding on coverage beforehand, doing plenty of research and comparing quotes from multiple sources.
Who Has the Cheapest Car Insurance in Chattanooga?
| Auto-Owners | $29 | $76 | -31% |
| Farm Bureau | $28 | $84 | -27% |
| Travelers | $38 | $77 | -24% |
| Erie | $39 | $104 | -7% |
| Penn National | $41 | $107 | -3% |
Compare the Cheapest Chattanooga Car Insurance for You
Your car insurance rates depend on factors like your age, driving record and credit score. Check the table below to find the cheapest insurance company for your specific driver profile.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Farm Bureau | $81 | $967 | -45% |
| Travelers | $106 | $1,277 | -28% |
| Auto-Owners | $132 | $1,584 | -10% |
| State Farm | $133 | $1,594 | -10% |
| Penn National | $135 | $1,623 | -8% |
Cheapest Car Insurance by Age Group in Chattanooga
Car insurance prices in Chattanooga vary significantly based on age. We've analyzed rates across three age groups to find the most affordable options for each:
- Cheapest Car Insurance for Young Drivers (16 to 25): Farm Bureau (from $79 per month)
- Cheapest Car Insurance for Adults (26 to 64): Farm Bureau (from $28 per month)
- Cheapest Car Insurance for Seniors (65+): Farm Bureau (from $28 per month)
Cheapest Car Insurance for Young Drivers in Chattanooga
Farm Bureau offers the cheapest car insurance for young drivers in Chattanooga, with monthly rates starting at $79.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Farm Bureau | $79 | $942 | -35% |
| Auto-Owners | $83 | $995 | -32% |
| Erie | $83 | $995 | -32% |
| Travelers | $88 | $1,062 | -27% |
| Penn National | $98 | $1,178 | -19% |
Cheapest Car Insurance for Adult Drivers in Chattanooga
In Chattanooga, Farm Bureau provides the lowest rates for adult drivers (26 to 64), with premiums averaging $28 monthly, 43% below the city average. Auto-Owners and Travelers also rank among the most affordable providers for this age group.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Farm Bureau | $28 | $334 | -43% |
| Auto-Owners | $29 | $346 | -41% |
| Travelers | $38 | $458 | -22% |
| Erie | $39 | $467 | -20% |
| Penn National | $41 | $494 | -16% |
Cheapest Car Insurance for Senior Drivers in Chattanooga
For seniors in Chattanooga, Farm Bureau offers the lowest minimum coverage rate at $33 per month and $89 per month for full coverage.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Farm Bureau | $33 | $395 | -51% |
| Auto-Owners | $50 | $594 | -27% |
| Penn National | $53 | $631 | -23% |
| State Farm | $54 | $649 | -20% |
| Travelers | $56 | $667 | -18% |
Cheapest Car Insurance for High-Risk Drivers in Chattanooga
If you're a high-risk driver, these insurance companies offer the lowest rates in Chattanooga:
- Cheapest for Bad Credit: GEICO (from $96 per month)
- Cheapest With a DUI: Farm Bureau (from $44 per month)
- Cheapest With an Accident: Farm Bureau (from $28 per month)
- Cheapest With a Speeding Ticket: Farm Bureau (from $28 per month)
Cheapest Car Insurance for Bad Credit in Chattanooga
In Chattanooga, the cheapest monthly premium for bad credit drivers is $96 for minimum coverage from GEICO and $203 for full coverage from Nationwide. These rates offer significant savings compared to city averages, with both companies earning top affordability scores.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Driving Record:Clean
| Geico | $96 | $1,155 | -30% |
| Penn National | $98 | $1,171 | -29% |
| Erie | $98 | $1,174 | -28% |
| Farm Bureau | $99 | $1,188 | -27% |
| Auto-Owners | $108 | $1,295 | -21% |
Cheapest Car Insurance With a DUI in Chattanooga
Farm Bureau and Travelers offer the most affordable car insurance rates for Chattanooga drivers with a DUI. These providers charge rates up to 43% below average for minimum coverage and 31% less for full coverage policies, respectively.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Farm Bureau | $44 | $527 | -43% |
| State Farm | $46 | $547 | -41% |
| Travelers | $54 | $644 | -31% |
| Farmers | $72 | $865 | -7% |
| Auto-Owners | $76 | $912 | -2% |
Cheapest Car Insurance With an Accident in Chattanooga
Drivers in Chattanooga with an accident on record can find the lowest rates with Farm Bureau starting at $28 per month.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Farm Bureau | $28 | $334 | -59% |
| State Farm | $50 | $596 | -27% |
| Travelers | $51 | $609 | -25% |
| Auto-Owners | $52 | $618 | -24% |
| Penn National | $57 | $679 | -17% |
Cheapest Car Insurance With a Speeding Ticket in Chattanooga
If you have a speeding ticket in Chattanooga, Farm Bureau offers the cheapest minimum coverage at around $28 per month. For full coverage, Farm Bureau is also the most affordable at about $84 monthly.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Farm Bureau | $28 | $334 | -53% |
| Auto-Owners | $41 | $487 | -31% |
| Erie | $43 | $514 | -28% |
| State Farm | $46 | $547 | -23% |
| Penn National | $49 | $585 | -18% |
Best Car Insurance Companies in Chattanooga
Auto-Owners, Travelers, Farm Bureau and Erie rank as Chattanooga's best car insurance companies. These providers stand out for their strong combination of affordable rates, quality customer service and comprehensive coverage options.
| Auto-Owners | 97 | 1 | 1 | 6 |
| Travelers | 93 | 3 | 3 | 5 |
| Farm Bureau | 87 | 2 | 5 | 8 |
| Erie | 87 | 4 | 2 | 3 |
| Progressive | 79 | 8 | 4 | 2 |
Auto-Owners: Best Cheap Overall
pros
Most affordable rates overall
Best customer experience in Chattanooga
cons
Slightly less affordable for minimum coverage
Less coverage add-ons to select.
COMPANY HIGHLIGHTS
While coverage add-ons are weaker area with Auto-Owners, they earn our top spot for the best cheap car insurance in Chattanooga due to their extremely affordable rates and great customer experience. Most drivers get 31% savings overall on coverage and they tie for the best agent service and have the 2nd best multi-platform forum ratings from customers.
How Much Is Car Insurance in Chattanooga?
In Chattanooga, minimum coverage costs $47 per month or $564 per year, ranking 464th out of all Tennessee cities for affordability. Full coverage averages $101 monthly or $1,211 annually, ranking 454th among Tennessee cities.
| Full Coverage | $101 | $1,211 |
| Minimum Coverage | $47 | $564 |
Compare Personalized Chattanooga Car Insurance Costs
Filter our Chattanooga car insurance rates by your age and driving history below to find prices that match your exact situation.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| $150 | $1,802 | 1% |
Chattanooga Car Insurance Costs by ZIP Code
In Chattanooga, car insurance rates by ZIP code range from $44 to $114 per month. ZIP code 37406 is the most expensive, while 37405 is the cheapest. Check the average rates for your ZIP code below.
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ZIP Code:37343
| 37343 | $45 | $97 |
How to Get the Best Cheap Chattanooga Car Insurance
With Chattanooga drivers facing steep car insurance rates and complex coverage options, finding affordable protection can feel overwhelming. This step-by-step guide shows you exactly how to secure cheaper car insurance while maintaining the coverage you need.
- 1
Calculate your coverage needs
Start by determining exactly how much coverage you need for your situation. Use our car insurance coverage needs calculator to evaluate factors like your car's value, assets to protect, and risk tolerance. This creates a solid foundation for comparing insurance options.
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Explore different coverage types
Look into various types of car insurance to find what fits your lifestyle. If you drive infrequently, consider pay-per-mile coverage. Don't own a car? A non-owner policy might be your best option.
- 3
Know the average costs
Research average vehicle insurance costs in Chattanooga to set realistic expectations. This knowledge helps you recognize good deals and avoid overpaying. Different factors like your age, driving record and location affect your final rate.
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Check available discounts
Look into every possible car insurance discount. Consider bundling multiple policies or getting multi-car discounts. Safe driver programs and good student discounts can also lead to significant savings.
- 5
Research company reputations
Investigate each insurance company's reputation for customer service and claims handling in Tennessee. Check customer reviews and complaint records. A slightly higher premium might be worth it for better service and reliability.
- 6
Get quotes from multiple insurers
Contact at least three different insurance companies for quotes. Use a mix of online tools, local agents, and direct company websites. This gives you a broader view of available rates and helps ensure you're getting the best deal.
- 7
Review your policy annually
Mark your calendar to review your car insurance policy each year. Life changes, driving habits and insurance company rates all evolve over time. Regular reviews help ensure you maintain the best coverage at the lowest possible rate.
Cheapest Car Insurance in Chattanooga: Bottom Line
Car insurance rates depend on your driving record, credit and coverage needs. In Chattanooga, Auto-Owners and Farm Bureau offer the lowest average premiums, but compare quotes from multiple providers to find your best rate.
Cheap Chattanooga Car Insurance: FAQ
Find clear answers about affordable car insurance in Chattanooga, from coverage requirements to money-saving tips. Our experts help you choose the right policy that fits your budget.
What is the cheapest car insurance company in Chattanooga, Tennessee?
Farm Bureau and Auto-Owners offer Chattanooga's lowest rates, with Farm Bureau charging $334 for minimum coverage and Auto-Owners offering full coverage at $915. Rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Chattanooga?
Auto-Owners leads Chattanooga's car insurance market with a MoneyGeek score of 97 out of 100, scoring 4 points higher than Travelers. The company excels in both affordability and service quality.
What is the average cost of car insurance in Chattanooga?
In Chattanooga, full coverage car insurance costs $1,211 annually, while minimum coverage averages $564. Your actual rates will vary based on individual factors.
Is car insurance in Chattanooga expensive?
Car insurance in Chattanooga costs more than average, ranking 464th for minimum coverage affordability and 454th for full coverage compared to other Tennessee cities.
How We Chose the Best and Cheapest Car Insurance in Chattanooga, TN
To help Chattanooga drivers find the most affordable auto insurance companies, MoneyGeek analyzed Chattanooga auto insurance rates based on data and information from the Tennessee Department of Commerce and Insurance and Quadrant Information Services. We studied all ZIP codes in Chattanooga and hundreds of thousands of quotes for 12 companies offering auto insurance in Tennessee to tailor options as closely as possible to you.
Chattanooga Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in Chattanooga with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
Certain factors, such as age, driving record, credit score and military affiliation, were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Chattanooga
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
The minimum coverage requirements in Tennessee are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies in Chattanooga based on the following rating scale:
- Affordability (60% of score): We evaluated quotes for various common driver profiles and compared rates to competition within the city to get this score.
- Customer Experience (30% of Score): Sources like agency reviews on Google, J.D. Power, AM Best and forums like Reddit were used to gauge customer sentiment and experiences across the board to get this score.
- Coverage Options (10% of Score): This score takes into account the amount of coverage options a provider has in addition to the uniqueness of offering and included benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.