Updated: November 4, 2025
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Farm Bureau offers the cheapest car insurance in Chattanooga. Auto-Owners, Travelers, State Farm and GEICO also provide coverage in the city.
Car insurance in Chattanooga costs an average of $564 per year for minimum coverage and $1,211 per year for full coverage.
Auto-Owners offers the cheapest car insurance in Tennessee at $383 per year for minimum coverage and $943 per year for full coverage.
Farm Bureau delivers Chattanooga's most affordable coverage with minimum coverage at $334 per year, 41% lower than the city average of $564. Farm Bureau also charges $1,013 per year for full coverage.
Auto-Owners presents an alternative at $346 annually for minimum coverage, just $12 more than Farm Bureau. This option provides solid value for drivers who value Auto-Owners' strong financial ratings and reputation for prompt claims service.
| Farm Bureau | $28 | $84 | -27% |
| Auto Owners | $29 | $76 | -31% |
| Travelers | $38 | $77 | -24% |
| Erie Insurance | $39 | $104 | -7% |
| Penn National Insurance | $41 | $107 | -3% |
Young drivers in Chattanooga pay $942 annually with Farm Bureau for minimum coverage. Adult drivers secure the market's best rates at $334 per year with Farm Bureau, enjoying a 65% discount compared to younger policyholders.
Farm Bureau charges seniors $395 annually, just an 18% increase over adult rates. Chattanooga's modest senior penalty reflects Tennessee's affordable insurance landscape for experienced drivers.
Farm Bureau offers the cheapest car insurance for young drivers in Chattanooga, with monthly rates starting at $79.
| Farm Bureau | $79 | $942 | -35% |
| Auto Owners | $83 | $995 | -32% |
| Erie Insurance | $83 | $995 | -32% |
| Travelers | $88 | $1,062 | -27% |
| Penn National Insurance | $98 | $1,178 | -19% |
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.
| Farm Bureau | $28 | $334 | -43% |
| Auto Owners | $29 | $346 | -41% |
| Travelers | $38 | $458 | -22% |
| Erie Insurance | $39 | $467 | -20% |
| Penn National Insurance | $41 | $494 | -16% |
For seniors in Chattanooga, Farm Bureau offers the lowest minimum coverage rate at $33 per month and $89 per month for full coverage.
| Farm Bureau | $33 | $395 | -51% |
| Auto Owners | $50 | $594 | -27% |
| Penn National Insurance | $53 | $631 | -23% |
| State Farm | $54 | $649 | -20% |
| Travelers | $56 | $667 | -18% |
Drivers with violations or poor credit can still find low-cost options in Chattanooga. Farm Bureau consistently offers the cheapest minimum coverage across most high-risk categories, charging around $28 per month after a speeding ticket or at-fault accident.Â
Its DUI rate is also the lowest at just $44 monthly. For drivers with bad credit, GEICO comes out cheapest at $96 per month. While these rates are higher than those for clean drivers, they’re still well below the city’s high-risk average, offering real savings for those facing premium hikes.
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.
| Geico | $96 | $1,155 | -30% |
| Penn National Insurance | $98 | $1,171 | -29% |
| Erie Insurance | $98 | $1,174 | -28% |
| Farm Bureau | $99 | $1,188 | -27% |
| Auto Owners | $108 | $1,295 | -21% |
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.
| Farm Bureau | $44 | $527 | -43% |
| State Farm | $46 | $547 | -41% |
| Travelers | $54 | $644 | -31% |
| Farmers | $72 | $865 | -7% |
| Auto Owners | $76 | $912 | -2% |
If you’ve been in an accident, Farm Bureau offers the cheapest minimum coverage in Chattanooga at just $28 per month. That’s less than half the city average for drivers with an at-fault accident.Â
While most insurers raise premiums significantly after a crash, Farm Bureau keeps costs relatively low, making it a smart pick for budget-conscious drivers looking to stay insured after a violation.
| Farm Bureau | $28 | $334 | -59% |
| State Farm | $50 | $596 | -27% |
| Travelers | $51 | $609 | -25% |
| Auto Owners | $52 | $618 | -24% |
| Penn National Insurance | $57 | $679 | -17% |
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.
| Farm Bureau | $28 | $334 | -53% |
| Auto Owners | $41 | $487 | -31% |
| Erie Insurance | $43 | $514 | -28% |
| State Farm | $46 | $547 | -23% |
| Penn National Insurance | $49 | $585 | -18% |
Auto-Owners leads Chattanooga with competitive premiums and strong customer satisfaction scores. Travelers provides solid rates alongside outstanding customer service ratings.
Both companies serve Chattanooga drivers effectively, with Auto-Owners offering excellent value and Travelers delivering superior service experiences.
| 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 |
Most affordable rates overall
Best customer experience in Chattanooga
Slightly less affordable for minimum coverage
Less coverage add-ons to select.
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.
Chattanooga averages $564 per year for minimum coverage and $1,211 per year for full coverage. These rates exceed Tennessee's state average of $499 for minimum coverage.
Farm Bureau's $334 minimum coverage rate sits well below Chattanooga's average. This scenic Tennessee city offers affordable insurance compared to Nashville or Memphis, with multiple competitive insurers serving the market.
| Full Coverage | $101 | $1,211 |
| Minimum Coverage | $47 | $564 |
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.
| 37343 | $45 | $97 |
With Chattanooga drivers facing steep car insurance rates and complex coverage options, finding affordable protection feels overwhelming.
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.
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.
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.
Look into every possible car insurance discount. Consider bundling multiple policies or getting multi-car discounts. Safe driver programs and good student discounts leads to significant savings.
Investigate each insurance company's reputation for customer service and claims handling in Tennessee. Check customer reviews and complaint records. A slightly higher premium is worth it for better service and reliability.
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.
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.
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.
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.
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.
In Chattanooga, full coverage car insurance costs $1,211 annually, while minimum coverage averages $564. Your actual rates'll vary based on individual factors.
Car insurance in Chattanooga costs more than average, ranking 464th for minimum coverage affordability and 454th for full coverage compared to other Tennessee cities.
Finding affordable car insurance in Chattanooga means understanding which companies price competitively for Tennessee's insurance requirements, local accident rates and the specific risk factors that create your premium, because a clean-record driver in Hixson pays vastly different rates than someone in downtown Chattanooga with a speeding ticket and poor credit. We partnered with the Tennessee Department of Commerce and Insurance and Quadrant Information Services to analyze hundreds of thousands of quotes from 12 companies across every Chattanooga ZIP code, revealing which insurers consistently deliver competitive rates for your actual driver profile rather than just advertised averages that spike once they factor in your neighborhood, credit score or driving history.
Our baseline used a 40-year-old male driving a 2012 Toyota Camry LE with 12,000 annual miles, a spotless driving record, good credit, valid license and current insurance coverage without previous claims. This profile represents a standard driver who qualifies for base rates without complications that trigger premium increases, the starting point insurers use before adjusting for your specific risk factors.
We then modified age, driving record, credit score and military affiliation to capture how premiums shift across different customer profiles. This matters because Chattanooga insurers weigh these factors completely differently, one company might charge you $150 monthly while another quotes $250 for identical coverage based on how they assess your ZIP code's accident frequency, local repair costs at Chattanooga body shops, and Tennessee's specific liability requirements.
Our analysis examined both minimum coverage (meeting Tennessee's legal requirements of 25/50/15 liability) and full coverage (100/300/100 liability limits plus comprehensive and collision protection with $1,000 deductibles). Minimum coverage provides basic financial protection for damage you cause to others, but leaves your Camry unprotected after accidents. Full coverage adds comprehensive protection (paying for theft, weather damage, vandalism) and collision coverage (repairing your vehicle after crashes once you pay your deductible).
This methodology exposes which insurers maintain competitive Chattanooga rates across their entire driver spectrum versus companies that advertise low prices for ideal profiles but charge significantly more once they factor in your actual age, neighborhood, credit history or previous accidents.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
