Compare the Cheapest Car Insurance Quotes in Chattanooga, TN

The average annual car insurance cost in Chattanooga is $800, lower than Tennessee's state average. After rating insurance companies based on coverage level and driver profile, MoneyGeek found that GEICO is the cheapest widely available insurer in Chattanooga. MoneyGeek's recommendations on the best insurers in the city can assist you if you're looking for low-cost insurance with quality service.

REVIEW AUTO INSURANCE RATES

Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

widget-location-pin
Advertising & Editorial Disclosure
Last Updated: 11/27/2022
Edited By     |  
Written By     |  

In Chattanooga, on average, GEICO offers the cheapest car insurance, including for a state minimum policy and with a speeding ticket. USAA is an inexpensive option if you have a military background. Considering cost and quality of service, MoneyGeek found Erie is the best auto insurer in Chattanooga. Your best choice depends on your profile and coverage preferences.

iconribbonbestauto insuranceChattanooga2022

The Cheapest and Best Car Insurance in Chattanooga

The Cheapest Car Insurance Companies in Chattanooga

On average, the cheapest full coverage car insurance in Chattanooga is from the following companies:

  • GEICO: $615 per year
  • State Farm: $671 per year

USAA offers the cheapest policy at roughly $566 per year, but you have to be a current or former military member to be eligible.

MetLife has the most expensive full coverage policy in Chattanooga, averaging $946 per year, almost double GEICO’s price.

Full coverage car insurance includes comprehensive and collision insurance that protects you against costs from damages to your car. Your premium may vary depending on the liability limits you choose.

Cheapest Car Insurance in Chattanooga
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    USAA
    $566
  • 2.
    GEICO
    $615
  • 3.
    State Farm
    $671
  • 4.
    Progressive
    $676
  • 5.
    Erie
    $681
  • 6.
    Tennessee Farmers
    $853
  • 7.
    Nationwide
    $861
  • 8.
    Allstate
    $892
  • 9.
    Farmers
    $900
  • 10.
    Travelers
    $912
  • 11.
    MetLife
    $946

MoneyGeek’s study uses the profile of a 40-year-old male driver in Chattanooga carrying full coverage car insurance, as detailed in our methodology.

Full coverage car insurance costs more than Tennessee's minimum car insurance because it protects your car against damage. It includes liability and two other coverages:

  • Collision insurance: protects you from expenses caused by a crash
  • Comprehensive insurance: protects you from damages caused by non-collision–related incidents and theft

Despite its advantages, a full coverage policy isn’t for everyone. With an older car, you may find liability-only or state minimum insurance more cost-effective if the full coverage rate exceeds your car’s value.

Compare Car Insurance Rates in Chattanooga

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

widget-location-pin
Insurance Rates

Cheapest Car Insurance in Chattanooga for Minimum Coverage

A minimum coverage auto policy is the cheapest you can buy in Chattanooga. On average, the cheapest minimum coverage car insurance in Chattanooga is from:

  • GEICO: $298 per year
  • Tennessee Farmers: $314 per year

USAA is the most affordable option for those with a military background at $296 per year on average.

GEICO’s rate is $215 lower than MetLife, which offers the most expensive minimum coverage policy at around $513 annually.

A policy with minimum coverage is your cheapest option in Chattanooga, but you risk full protection since it excludes comprehensive and collision coverage and has low liability limits.

Use the table below to see how rates change based on liability limits.

Cheapest Minimum Liability Car Insurance in Chattanooga
State Minimum

A minimum coverage policy is your cheapest option in Chattanooga, but it offers you the least protection, with liability and uninsured motorist limits of 25/50/15, per Tennessee law. That means, you may pay out of pocket after an accident.

For example, if you cause an accident and the other driver's medical bills amount to $40,000, but your limit for bodily injury is only $25,000 per person, you have to shell out $15,000.

Tennessee Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $25,000 per person, $50,000 per accident and $15,000 for property damage. A more protective level is 100/300/100.

Cheapest Car Insurance in Chattanooga if You Have Driving Violations

Having violations on your driving record, such as a ticket, DUI or an at-fault accident, increases your annual premium in Chattanooga. On average, you can find the cheapest car insurance with a violation in Chattanooga from:

  • Cheapest after a ticket: GEICO, $700 per year
  • Cheapest after an at-fault accident: State Farm, $794 per year
  • Cheapest after a DUI: State Farm, $732 per year

If you’re an eligible military member, USAA offers a low rate for drivers with a speeding ticket at roughly $669 per year.

Improving your poor driving record over time gets you a lower rate in Chattanooga. In the short term, it’s best to compare car insurance quotes to find the best rate after a violation.

Cheapest Car Insurance in Chattanooga With a Violation
Speeding Ticket

Average Cost of Car Insurance in Chattanooga

Chattanooga$800
Tennessee$1,018
U.S.$1,424

The average car insurance premium in Chattanooga is $800 per year. This rate is 21.4% lower than the Tennessee state average and 43.8% more affordable than the average national rate of $1,424 annually.

Personalized Quotes to Get You the Cheapest Car Insurance in Chattanooga

If you are looking for the cheapest car insurance in Chattanooga, you need to request and compare personalized quotes from several providers. Insurance companies will evaluate your personal information, such as age, address, driving record and the type of vehicle you drive, to provide you with a personalized insurance quote. To ensure that you get the best rates for your situation, you should regularly request quotes to see if you qualify for discounts or rebates.

Compare Car Insurance Rates in Chattanooga

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

widget-location-pin
Insurance Rates

The Best Car Insurance Companies in Chattanooga

To determine the best car insurance companies in Chattanooga, MoneyGeek scored the best providers in Chattanooga based on average rates, claims ratings and user satisfaction.

The top two car insurance companies in Chattanooga are:

  • State Farm: MoneyGeek score of 88.8 out of 100
  • Erie: MoneyGeek score of 87.4 out of 100

Furthermore, USAA received a MoneyGeek score of 96.0 out of 100, making the company the top car insurance provider in Chattanooga. However, we excluded the company from our list because it exclusively serves military personnel and their families.


1
State Farm
Score:89

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

Geek Quick Take
Geek Quick Take

State Farm received a perfect score for stability, satisfaction, claims and affordability to become the top auto insurance company in Chattanooga. State Farm offers rideshare insurance to drivers who work for a ridesharing company like Uber or Lyft. MoneyGeek found that the average cost of State Farm car insurance is $671 per year.

More About State Farm

With State Farm, drivers in Chattanooga can enjoy other coverage options aside from the standard coverage included in most policies. For instance, State Farm rental car and travel reimbursement coverage pays for car rental costs up to predetermined limits, travel expenses up to $500 and deductible payback up to $500 if you’re in an at-fault accident in your rental car. Furthermore, when you work for a ridesharing company, State Farm's rideshare insurance ensures that your personal auto policy's medical, emergency roadside assistance and rental car reimbursement remain in effect.

Read MoneyGeek's State Farm auto Insurance Review
2
Erie
Score:87

4/5

Affordability

5/5

Claims Ratings

4/5

User Satisfaction

A+

Financial Stability

Geek Quick Take
Geek Quick Take

MoneyGeek’s data shows that the annual average cost of Erie auto insurance in Chattanooga is $681. Erie earned an outstanding rating for claims, customer satisfaction, financial stability and affordability. Erie offers better car replacement coverage, a rare coverage that insurance companies don’t often provide.

More About Erie

With Erie's better car replacement policy, if your new car is damaged within two years of your purchase date in Chattanooga, it will be replaced with the latest model. Meanwhile, you'll receive a more recent model if you've had your vehicle for more than two years. Erie also provides accident forgiveness coverage, which means that if you have three claims-free years with Erie, they will not charge you a fee the first time you are found at fault in an accident.

Read MoneyGeek's Erie auto Insurance Review

Average Cost of Car Insurance by Postal Code

Your ZIP code can also affect your ability to find the cheapest car insurance in Chattanooga. This is because different neighborhoods have varying rates of car thefts, accidents and uninsured drivers. However, your rates will probably not vary much based on your neighborhood within Chattanooga. Drivers from ZIP code 37415 pay an average of $7 less per year than drivers from the 37421 neighborhood.

  • Zip Code
    State Minimumper year
  • 37415
    $797
  • 37421
    $804

Factors That Impact Insurance Costs in Chattanooga

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Chattanooga. How Chattanooga ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities24th/300
handcuffs2 icon
Most Car Thefts199th/300
uninsured icon
Most Uninsured Motorists by State5th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall33rd/300
umbrella icon
Most Rainy Days67th/300

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.