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The cheapest company for you could vary based on your profile and needs. We found that Auto-Owners Insurance Co offers the most affordable minimum coverage and full coverage policies in Chattanooga. It’s also the cheapest for military families. After driving offenses, State Farm offers the best rates. Teens on family policies can get the cheapest coverage from Nationwide. If you're looking for the best customer service regardless of cost, Chubb is the best option.

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2023

Cheapest and Best Car Insurance in Chattanooga

Cheapest Minimum Liability Car Insurance in Chattanooga

The cheapest insurers for minimum coverage in Chattanooga, include:

  • Auto-Owners Insurance Co: $204 per year
  • State Farm: $252 per year

Chattanooga's most expensive insurance company is Nationwide, which charges around $524 a year. Among Tennessee's car insurance companies as of October 2022, Auto-Owners Insurance Co offers the cheapest coverage for a minimum insurance policy at $207, making Chattanooga a bit more affordable than the rest of the state and illustrating that rates can change based on your location.

Company
Annual Premium
Monthly Premium

Auto-Owners Insurance Co

$204

$17

Auto-Owners Insurance Co

$205

$17

State Farm

$237

$20

State Farm

$252

$21

Erie

$275

$23

Erie

$276

$23

Auto-Owners Insurance Co

$296

$25

Tennessee Farm Bureau

$298

$25

State Farm

$307

$26

Tennessee Farm Bureau

$312

$26

Cincinnati Insurance

$320

$27

Westfield

$359

$30

Erie

$367

$31

Farmers

$371

$31

Chubb

$373

$31

Cincinnati Insurance

$375

$31

GEICO

$379

$32

Farmers

$388

$32

Grange Insurance

$395

$33

Westfield

$396

$33

Grange Insurance

$403

$34

Chubb

$405

$34

Travelers

$410

$34

American National P&C

$410

$34

GEICO

$417

$35

Tennessee Farm Bureau

$421

$35

Westfield

$423

$35

Grange Insurance

$443

$37

Progressive

$451

$38

Travelers

$452

$38

Farmers

$454

$38

Travelers

$457

$38

Cincinnati Insurance

$469

$39

American National P&C

$472

$39

GEICO

$478

$40

Progressive

$485

$40

American National P&C

$494

$41

Nationwide

$510

$42

Allstate

$522

$43

Nationwide

$524

$44

Allstate

$528

$44

Auto-Owners Insurance Co

$552

$46

State Farm

$559

$47

Allstate

$562

$47

Auto-Owners Insurance Co

$585

$49

Nationwide

$593

$49

Progressive

$602

$50

State Farm

$610

$51

Chubb

$669

$56

Farmers

$683

$57

Erie

$684

$57

Erie

$687

$57

Farmers

$715

$60

Cincinnati Insurance

$745

$62

Tennessee Farm Bureau

$781

$65

State Farm

$784

$65

Nationwide

$811

$68

GEICO

$814

$68

Westfield

$827

$69

Westfield

$834

$69

GEICO

$835

$70

Auto-Owners Insurance Co

$840

$70

Grange Insurance

$863

$72

Farmers

$864

$72

Travelers

$866

$72

Travelers

$873

$73

Nationwide

$878

$73

Tennessee Farm Bureau

$893

$74

Allstate

$896

$75

Chubb

$899

$75

Cincinnati Insurance

$919

$77

Erie

$920

$77

Grange Insurance

$938

$78

Allstate

$951

$79

Allstate

$965

$80

American National P&C

$1,004

$84

Chubb

$1,015

$85

Travelers

$1,016

$85

American National P&C

$1,027

$86

Nationwide

$1,043

$87

Grange Insurance

$1,044

$87

Westfield

$1,053

$88

GEICO

$1,061

$88

Progressive

$1,111

$93

Cincinnati Insurance

$1,161

$97

Progressive

$1,221

$102

Tennessee Farm Bureau

$1,231

$103

American National P&C

$1,293

$108

Chubb

$1,485

$124

Progressive

$1,580

$132

The state of Tennessee requires minimum insurance limits, including bodily injury and property damage. According to Tennessee law, you must meet these requirements:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $15,000 property damage liability per accident

Auto insurance that includes liability-only coverage includes the damage you cause others. Medical expenses of up to $25,000 for injuries you cause every person or $50,000 for every accident are covered if you have the minimum coverage. You're liable for anything over this amount.

Cheapest Full Coverage Car Insurance in Chattanooga

Among Chattanooga’s car insurance companies that offer full coverage policies, MoneyGeek found these to be the cheapest:

  • Auto-Owners Insurance Co: $585 per year
  • State Farm: $610 per year

Progressive has the highest rates in the city, averaging $1,221. In Tennessee, State Farm has the cheapest full coverage policy as of October 2022, averaging $576 a year. This is a lower rate than Chattanooga’s average, showing that location can impact your premiums.

Company
Annual Premium
Monthly Premium

Auto-Owners Insurance Co

$204

$17

Auto-Owners Insurance Co

$205

$17

State Farm

$237

$20

State Farm

$252

$21

Erie

$275

$23

Erie

$276

$23

Auto-Owners Insurance Co

$296

$25

Tennessee Farm Bureau

$298

$25

State Farm

$307

$26

Tennessee Farm Bureau

$312

$26

Cincinnati Insurance

$320

$27

Westfield

$359

$30

Erie

$367

$31

Farmers

$371

$31

Chubb

$373

$31

Cincinnati Insurance

$375

$31

GEICO

$379

$32

Farmers

$388

$32

Grange Insurance

$395

$33

Westfield

$396

$33

Grange Insurance

$403

$34

Chubb

$405

$34

Travelers

$410

$34

American National P&C

$410

$34

GEICO

$417

$35

Tennessee Farm Bureau

$421

$35

Westfield

$423

$35

Grange Insurance

$443

$37

Progressive

$451

$38

Travelers

$452

$38

Farmers

$454

$38

Travelers

$457

$38

Cincinnati Insurance

$469

$39

American National P&C

$472

$39

GEICO

$478

$40

Progressive

$485

$40

American National P&C

$494

$41

Nationwide

$510

$42

Allstate

$522

$43

Nationwide

$524

$44

Allstate

$528

$44

Auto-Owners Insurance Co

$552

$46

State Farm

$559

$47

Allstate

$562

$47

Auto-Owners Insurance Co

$585

$49

Nationwide

$593

$49

Progressive

$602

$50

State Farm

$610

$51

Chubb

$669

$56

Farmers

$683

$57

Erie

$684

$57

Erie

$687

$57

Farmers

$715

$60

Cincinnati Insurance

$745

$62

Tennessee Farm Bureau

$781

$65

State Farm

$784

$65

Nationwide

$811

$68

GEICO

$814

$68

Westfield

$827

$69

Westfield

$834

$69

GEICO

$835

$70

Auto-Owners Insurance Co

$840

$70

Grange Insurance

$863

$72

Farmers

$864

$72

Travelers

$866

$72

Travelers

$873

$73

Nationwide

$878

$73

Tennessee Farm Bureau

$893

$74

Allstate

$896

$75

Chubb

$899

$75

Cincinnati Insurance

$919

$77

Erie

$920

$77

Grange Insurance

$938

$78

Allstate

$951

$79

Allstate

$965

$80

American National P&C

$1,004

$84

Chubb

$1,015

$85

Travelers

$1,016

$85

American National P&C

$1,027

$86

Nationwide

$1,043

$87

Grange Insurance

$1,044

$87

Westfield

$1,053

$88

GEICO

$1,061

$88

Progressive

$1,111

$93

Cincinnati Insurance

$1,161

$97

Progressive

$1,221

$102

Tennessee Farm Bureau

$1,231

$103

American National P&C

$1,293

$108

Chubb

$1,485

$124

Progressive

$1,580

$132

Comprehensive and collision coverages are generally included in full coverage policies.

  • Collision Insurance: This will cover the cost of repairing or replacing your vehicle in the event of an accident.
  • Comprehensive Insurance: This covers repairs or replacements of your vehicle if you are at fault in an accident.

This policy might not be ideal if you have an older vehicle because the cost of the policy may exceed the value of your vehicle.

Cheapest Car Insurance in Chattanooga After a Driving Offense

Based on MoneyGeek's research, these car insurance companies are the cheapest for individuals with the following driving violations:

  • Speeding ticket: State Farm ($670 per year)
  • At-fault accident: State Farm ($729 per year)
  • DUI: State Farm ($670 per year)

For individuals with a speeding ticket and an at-fault accident, Progressive is the most expensive at roughly $1,610 and $2,204 per year, respectively. For those with a DUI, the most expensive insurer is Chubb, at around $4,078 per year. A poor driving record can dramatically impact rates. Compared to rates for safe drivers, even the cheapest company for drivers with bad records will cost more.

Company
Annual Premium
Monthly Premium

State Farm

$263

$22

State Farm

$263

$22

State Farm

$280

$23

State Farm

$280

$23

Erie

$285

$24

Erie

$287

$24

Auto-Owners Insurance Co

$288

$24

State Farm

$290

$24

Auto-Owners Insurance Co

$290

$24

Tennessee Farm Bureau

$298

$25

Tennessee Farm Bureau

$298

$25

State Farm

$308

$26

Tennessee Farm Bureau

$312

$26

Tennessee Farm Bureau

$312

$26

State Farm

$342

$28

State Farm

$342

$28

Auto-Owners Insurance Co

$372

$31

State Farm

$375

$31

Erie

$375

$31

Erie

$375

$31

Auto-Owners Insurance Co

$376

$31

Erie

$381

$32

Cincinnati Insurance

$381

$32

Auto-Owners Insurance Co

$415

$35

Tennessee Farm Bureau

$421

$35

Tennessee Farm Bureau

$421

$35

GEICO

$421

$35

Chubb

$424

$35

Westfield

$430

$36

Cincinnati Insurance

$444

$37

Farmers

$455

$38

Chubb

$461

$38

Erie

$462

$39

GEICO

$462

$39

Erie

$465

$39

Tennessee Farm Bureau

$469

$39

Westfield

$475

$40

Tennessee Farm Bureau

$491

$41

American National P&C

$498

$42

Erie

$499

$42

Westfield

$507

$42

Farmers

$511

$43

GEICO

$517

$43

Farmers

$525

$44

Auto-Owners Insurance Co

$537

$45

Travelers

$537

$45

Farmers

$538

$45

Grange Insurance

$540

$45

Progressive

$545

$45

Grange Insurance

$552

$46

Farmers

$553

$46

Cincinnati Insurance

$557

$46

Travelers

$562

$47

Auto-Owners Insurance Co

$563

$47

Allstate

$564

$47

Travelers

$565

$47

Nationwide

$566

$47

Auto-Owners Insurance Co

$567

$47

Allstate

$571

$48

American National P&C

$572

$48

Progressive

$575

$48

Nationwide

$580

$48

GEICO

$589

$49

Grange Insurance

$589

$49

Travelers

$591

$49

American National P&C

$592

$49

Farmers

$592

$49

American National P&C

$598

$50

Grange Insurance

$601

$50

Farmers

$609

$51

Allstate

$611

$51

Farmers

$613

$51

State Farm

$615

$51

State Farm

$615

$51

Erie

$616

$51

Westfield

$618

$52

Travelers

$624

$52

Grange Insurance

$635

$53

Travelers

$636

$53

Farmers

$638

$53

Chubb

$638

$53

Allstate

$640

$53

Progressive

$646

$54

Nationwide

$649

$54

Allstate

$650

$54

Allstate

$651

$54

Travelers

$653

$54

Westfield

$656

$55

Grange Insurance

$660

$55

Allstate

$661

$55

Tennessee Farm Bureau

$664

$55

GEICO

$666

$56

State Farm

$670

$56

State Farm

$670

$56

Progressive

$670

$56

State Farm

$671

$56

American National P&C

$672

$56

Travelers

$673

$56

American National P&C

$680

$57

Cincinnati Insurance

$681

$57

Westfield

$682

$57

Grange Insurance

$682

$57

Nationwide

$685

$57

Progressive

$692

$58

Chubb

$696

$58

Grange Insurance

$698

$58

Allstate

$700

$58

Nationwide

$702

$59

Erie

$708

$59

American National P&C

$710

$59

Erie

$712

$59

Allstate

$713

$59

State Farm

$729

$61

GEICO

$732

$61

GEICO

$733

$61

Cincinnati Insurance

$734

$61

Travelers

$745

$62

Grange Insurance

$767

$64

Chubb

$768

$64

Progressive

$768

$64

American National P&C

$772

$64

Tennessee Farm Bureau

$781

$65

Tennessee Farm Bureau

$781

$65

Nationwide

$793

$66

Auto-Owners Insurance Co

$797

$66

Nationwide

$798

$67

GEICO

$802

$67

American National P&C

$806

$67

Cincinnati Insurance

$810

$68

Auto-Owners Insurance Co

$812

$68

Nationwide

$815

$68

Auto-Owners Insurance Co

$841

$70

GEICO

$842

$70

State Farm

$862

$72

State Farm

$862

$72

Cincinnati Insurance

$865

$72

Cincinnati Insurance

$885

$74

Tennessee Farm Bureau

$893

$74

Tennessee Farm Bureau

$893

$74

Progressive

$897

$75

Erie

$900

$75

Erie

$900

$75

Nationwide

$906

$75

Farmers

$921

$77

GEICO

$927

$77

Farmers

$933

$78

State Farm

$940

$78

Erie

$952

$79

Nationwide

$954

$79

GEICO

$971

$81

Westfield

$992

$83

Progressive

$993

$83

Allstate

$995

$83

Cincinnati Insurance

$998

$83

Auto-Owners Insurance Co

$998

$83

Westfield

$1,001

$83

Farmers

$1,003

$84

Nationwide

$1,021

$85

Chubb

$1,022

$85

Farmers

$1,030

$86

Progressive

$1,040

$87

Auto-Owners Insurance Co

$1,045

$87

Farmers

$1,051

$88

Allstate

$1,061

$88

Farmers

$1,070

$89

Allstate

$1,074

$90

Cincinnati Insurance

$1,076

$90

Farmers

$1,076

$90

Erie

$1,087

$91

Erie

$1,090

$91

Cincinnati Insurance

$1,092

$91

American National P&C

$1,151

$96

Farmers

$1,153

$96

Chubb

$1,153

$96

Allstate

$1,160

$97

GEICO

$1,168

$97

American National P&C

$1,173

$98

Chubb

$1,182

$99

Nationwide

$1,185

$99

Allstate

$1,197

$100

Erie

$1,200

$100

Farmers

$1,203

$100

Travelers

$1,207

$101

Westfield

$1,215

$101

Auto-Owners Insurance Co

$1,216

$101

Tennessee Farm Bureau

$1,231

$103

Tennessee Farm Bureau

$1,231

$103

Tennessee Farm Bureau

$1,242

$103

Allstate

$1,244

$104

Nationwide

$1,244

$104

Westfield

$1,253

$104

Allstate

$1,255

$105

Travelers

$1,258

$105

American National P&C

$1,263

$105

Westfield

$1,264

$105

Grange Insurance

$1,268

$106

Westfield

$1,279

$107

Allstate

$1,287

$107

Allstate

$1,298

$108

Grange Insurance

$1,299

$108

Westfield

$1,300

$108

Grange Insurance

$1,303

$109

Travelers

$1,303

$109

American National P&C

$1,305

$109

Westfield

$1,308

$109

Grange Insurance

$1,313

$109

GEICO

$1,318

$110

Travelers

$1,323

$110

Nationwide

$1,331

$111

American National P&C

$1,359

$113

Travelers

$1,364

$114

Progressive

$1,370

$114

Travelers

$1,378

$115

Cincinnati Insurance

$1,380

$115

Travelers

$1,387

$116

Progressive

$1,397

$116

GEICO

$1,402

$117

Grange Insurance

$1,412

$118

American National P&C

$1,413

$118

Tennessee Farm Bureau

$1,420

$118

Auto-Owners Insurance Co

$1,447

$121

Erie

$1,449

$121

American National P&C

$1,462

$122

Chubb

$1,497

$125

Auto-Owners Insurance Co

$1,498

$125

Travelers

$1,507

$126

Travelers

$1,517

$126

Auto-Owners Insurance Co

$1,520

$127

Westfield

$1,527

$127

Chubb

$1,527

$127

Nationwide

$1,532

$128

Grange Insurance

$1,532

$128

Nationwide

$1,543

$129

GEICO

$1,545

$129

Cincinnati Insurance

$1,547

$129

Grange Insurance

$1,570

$131

American National P&C

$1,596

$133

Progressive

$1,610

$134

Nationwide

$1,619

$135

Chubb

$1,640

$137

GEICO

$1,660

$138

Progressive

$1,663

$139

Grange Insurance

$1,667

$139

Chubb

$1,698

$142

GEICO

$1,701

$142

American National P&C

$1,710

$143

Cincinnati Insurance

$1,710

$143

Chubb

$1,738

$145

Progressive

$1,753

$146

GEICO

$1,784

$149

Nationwide

$1,831

$153

Grange Insurance

$1,856

$155

Cincinnati Insurance

$1,925

$160

Tennessee Farm Bureau

$1,960

$163

Progressive

$1,996

$166

Cincinnati Insurance

$2,121

$177

Auto-Owners Insurance Co

$2,199

$183

Progressive

$2,204

$184

Progressive

$2,348

$196

Westfield

$2,393

$199

Westfield

$2,400

$200

Cincinnati Insurance

$2,417

$201

Chubb

$2,600

$217

Westfield

$2,619

$218

Progressive

$2,662

$222

Cincinnati Insurance

$2,672

$223

Chubb

$2,842

$237

Chubb

$3,558

$297

Chubb

$4,078

$340

Chubb

$6,214

$518

You may find that your insurance rates increase as a result of more serious violations. In Chattanooga, your rates could increase by $196 if you have a speeding ticket, while getting a DUI could cause your rates to go up by around $770. If you wish to obtain the cheapest car insurance for bad drivers, you should shop around and compare quotes.

Cheapest Car Insurance in Chattanooga for Teens and Their Families

In terms of family policies for teens, these companies offer the best rates:

  • Nationwide: $1,537 per year for males; $1,358 for females
  • Farmers: $1,829 per year for males
  • State Farm: $1,646 for females

The most expensive policy for both men and women is from Progressive, costing an average of $3,020 and $2,774, respectively.

Since young men are riskier to insure, it is usually more expensive to insure them. The $178 price difference from Nationwide highlights this. The discrepancy tends to drop off in early adulthood.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

State Farm

$852

$1,757

Farmers

$873

$1,624

Farmers

$935

$1,813

Nationwide

$943

$1,722

Nationwide

$949

$1,842

State Farm

$955

$1,970

State Farm

$986

$1,996

Nationwide

$993

$2,402

Auto-Owners Insurance Co

$1,005

$2,757

State Farm

$1,006

$2,414

Auto-Owners Insurance Co

$1,016

$2,703

Travelers

$1,038

$1,741

Nationwide

$1,043

$1,905

Nationwide

$1,048

$2,770

State Farm

$1,048

$2,162

Auto-Owners Insurance Co

$1,067

$2,838

State Farm

$1,073

$2,624

Nationwide

$1,082

$2,268

Nationwide

$1,098

$2,005

Nationwide

$1,102

$2,139

Auto-Owners Insurance Co

$1,105

$3,030

Auto-Owners Insurance Co

$1,109

$3,255

Travelers

$1,119

$1,823

State Farm

$1,121

$2,270

Allstate

$1,129

$1,596

Auto-Owners Insurance Co

$1,129

$3,003

Nationwide

$1,138

$2,592

Allstate

$1,157

$1,610

Travelers

$1,160

$1,947

Auto-Owners Insurance Co

$1,165

$3,694

Nationwide

$1,166

$2,265

Travelers

$1,169

$2,145

State Farm

$1,190

$2,858

Allstate

$1,194

$2,142

Auto-Owners Insurance Co

$1,199

$4,087

Travelers

$1,200

$2,014

Auto-Owners Insurance Co

$1,204

$3,300

Allstate

$1,221

$1,727

State Farm

$1,238

$3,026

Farmers

$1,238

$1,394

State Farm

$1,238

$3,431

State Farm

$1,241

$2,514

GEICO

$1,246

$1,865

Auto-Owners Insurance Co

$1,256

$3,465

Farmers

$1,259

$1,418

Farmers

$1,267

$1,427

Allstate

$1,268

$2,382

Allstate

$1,269

$4,782

Nationwide

$1,269

$4,344

GEICO

$1,274

$1,925

Travelers

$1,274

$2,075

Nationwide

$1,277

$3,713

Farmers

$1,282

$1,538

Allstate

$1,284

$2,076

GEICO

$1,286

$1,925

GEICO

$1,297

$1,960

GEICO

$1,301

$2,715

Nationwide

$1,303

$3,150

Farmers

$1,303

$1,511

Travelers

$1,305

$2,328

Travelers

$1,314

$2,437

Allstate

$1,317

$1,833

Allstate

$1,319

$1,866

Farmers

$1,328

$1,540

State Farm

$1,330

$3,187

Farmers

$1,345

$5,854

GEICO

$1,345

$2,895

Farmers

$1,350

$1,565

Farmers

$1,352

$3,119

GEICO

$1,358

$2,032

Nationwide

$1,358

$4,801

Allstate

$1,364

$2,159

Travelers

$1,365

$2,223

Farmers

$1,366

$1,717

GEICO

$1,376

$2,418

GEICO

$1,383

$2,090

Auto-Owners Insurance Co

$1,386

$4,724

Auto-Owners Insurance Co

$1,394

$5,438

Auto-Owners Insurance Co

$1,394

$3,847

Allstate

$1,396

$2,505

Auto-Owners Insurance Co

$1,400

$4,273

Nationwide

$1,402

$4,801

Allstate

$1,408

$2,936

Farmers

$1,414

$3,358

GEICO

$1,417

$2,589

Farmers

$1,421

$6,342

State Farm

$1,428

$3,946

Allstate

$1,432

$1,994

Nationwide

$1,433

$5,537

Nationwide

$1,439

$4,781

Allstate

$1,450

$5,420

Nationwide

$1,463

$3,868

Farmers

$1,507

$2,803

Travelers

$1,515

$2,704

Travelers

$1,522

$2,715

Travelers

$1,525

$3,118

Allstate

$1,534

$3,255

Nationwide

$1,537

$6,144

Farmers

$1,564

$6,807

State Farm

$1,566

$4,317

State Farm

$1,568

$3,759

Farmers

$1,573

$3,049

Nationwide

$1,590

$6,144

Allstate

$1,601

$3,008

GEICO

$1,621

$3,931

State Farm

$1,638

$4,525

State Farm

$1,646

$5,169

Farmers

$1,659

$7,406

GEICO

$1,678

$3,501

Progressive

$1,691

$2,621

GEICO

$1,704

$4,290

Allstate

$1,713

$6,455

Travelers

$1,716

$3,923

Farmers

$1,725

$9,865

Allstate

$1,750

$8,550

Progressive

$1,768

$2,743

GEICO

$1,774

$3,817

GEICO

$1,777

$4,814

Travelers

$1,779

$3,173

Travelers

$1,792

$3,716

State Farm

$1,822

$4,957

Farmers

$1,829

$10,742

Allstate

$1,845

$8,208

Progressive

$1,881

$2,915

Allstate

$1,889

$7,058

Progressive

$1,913

$3,951

GEICO

$1,921

$5,278

Progressive

$1,937

$3,354

Progressive

$1,996

$3,097

Progressive

$2,011

$3,116

GEICO

$2,057

$5,573

Travelers

$2,085

$4,763

State Farm

$2,087

$5,677

State Farm

$2,097

$6,482

Travelers

$2,099

$4,799

Progressive

$2,111

$3,825

GEICO

$2,171

$7,257

Travelers

$2,174

$6,188

Progressive

$2,197

$4,655

Progressive

$2,214

$3,435

GEICO

$2,257

$6,200

Auto-Owners Insurance Co

$2,300

$6,174

Auto-Owners Insurance Co

$2,313

$8,081

GEICO

$2,336

$7,770

Progressive

$2,492

$6,164

Auto-Owners Insurance Co

$2,505

$7,231

Auto-Owners Insurance Co

$2,522

$6,769

Progressive

$2,581

$5,331

Auto-Owners Insurance Co

$2,582

$9,952

Auto-Owners Insurance Co

$2,582

$9,021

Travelers

$2,605

$5,953

Progressive

$2,606

$12,838

Travelers

$2,710

$7,858

Progressive

$2,774

$13,186

Progressive

$2,849

$7,222

Progressive

$2,889

$14,638

Progressive

$2,940

$6,229

Progressive

$3,020

$14,650

Progressive

$3,039

$14,972

Progressive

$3,278

$16,609

If you obtain an individual policy as a teen, you will have to pay a higher premium. Male teens getting their own policies will pay around $2,890 more in Chattanooga vs. being added to their parent’s policy. You should shop around for the cheapest teen driver's insurance before buying a policy.

Cheapest Car Insurance in Chattanooga for Military Drivers

Among the companies analyzed by MoneyGeek, veterans and drivers with a military background will find the most affordable rates with these two companies:

  • Auto-Owners Insurance Co: $585 per year
  • USAA: $586 per year

The above rates are for a full coverage policy. If you're looking for the cheapest minimum coverage policy, Auto-Owners Insurance Co offers it for $204 per year on average. Averaging $229 a year, USAA offers the second cheapest car insurance policy for military drivers.

Company
Annual Premium
Monthly Premium

Auto-Owners Insurance Co

$204

$17

Auto-Owners Insurance Co

$205

$17

USAA

$229

$19

USAA

$232

$19

State Farm

$237

$20

State Farm

$252

$21

Erie

$275

$23

Erie

$276

$23

USAA

$296

$25

Auto-Owners Insurance Co

$296

$25

Tennessee Farm Bureau

$298

$25

State Farm

$307

$26

Tennessee Farm Bureau

$312

$26

Cincinnati Insurance

$320

$27

Westfield

$359

$30

Erie

$367

$31

Farmers

$371

$31

Chubb

$373

$31

Cincinnati Insurance

$375

$31

GEICO

$379

$32

Farmers

$388

$32

Grange Insurance

$395

$33

Westfield

$396

$33

Grange Insurance

$403

$34

Chubb

$405

$34

Travelers

$410

$34

American National P&C

$410

$34

GEICO

$417

$35

Tennessee Farm Bureau

$421

$35

Westfield

$423

$35

Grange Insurance

$443

$37

Progressive

$451

$38

Travelers

$452

$38

Farmers

$454

$38

Travelers

$457

$38

Cincinnati Insurance

$469

$39

American National P&C

$472

$39

GEICO

$478

$40

Progressive

$485

$40

American National P&C

$494

$41

Nationwide

$510

$42

Allstate

$522

$43

Nationwide

$524

$44

Allstate

$528

$44

Auto-Owners Insurance Co

$552

$46

State Farm

$559

$47

USAA

$562

$47

Allstate

$562

$47

Auto-Owners Insurance Co

$585

$49

USAA

$586

$49

Nationwide

$593

$49

Progressive

$602

$50

State Farm

$610

$51

Chubb

$669

$56

Farmers

$683

$57

Erie

$684

$57

Erie

$687

$57

Farmers

$715

$60

Cincinnati Insurance

$745

$62

USAA

$748

$62

Tennessee Farm Bureau

$781

$65

State Farm

$784

$65

Nationwide

$811

$68

GEICO

$814

$68

Westfield

$827

$69

Westfield

$834

$69

GEICO

$835

$70

Auto-Owners Insurance Co

$840

$70

Grange Insurance

$863

$72

Farmers

$864

$72

Travelers

$866

$72

Travelers

$873

$73

Nationwide

$878

$73

Tennessee Farm Bureau

$893

$74

Allstate

$896

$75

Chubb

$899

$75

Cincinnati Insurance

$919

$77

Erie

$920

$77

Grange Insurance

$938

$78

Allstate

$951

$79

Allstate

$965

$80

American National P&C

$1,004

$84

Chubb

$1,015

$85

Travelers

$1,016

$85

American National P&C

$1,027

$86

Nationwide

$1,043

$87

Grange Insurance

$1,044

$87

Westfield

$1,053

$88

GEICO

$1,061

$88

Progressive

$1,111

$93

Cincinnati Insurance

$1,161

$97

Progressive

$1,221

$102

Tennessee Farm Bureau

$1,231

$103

American National P&C

$1,293

$108

Chubb

$1,485

$124

Progressive

$1,580

$132

How to Compare Cheap Chattanooga Car Insurance Quotes Online

To check car insurance quotes online, you must spend at least 15 minutes per insurer. In addition, you are required to provide a substantial amount or personal information.

By using MoneyGeek's car insurance calculator, you can cut down on time and effort. You can determine your insurance costs by submitting your age, vehicle type, coverage level and driving history.

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USAA

Best Car Insurance in Chattanooga: Summary

The importance you give to different factors determines which car insurance company is right for you. Here are the best car insurance companies in Chattanooga:

  • Best Overall: Auto-Owners Insurance Co (MoneyGeek score of 82 out of 100)
  • Best for Service: Chubb (MoneyGeek score of 76 out of 100)
  • Best Cheap: Auto-Owners Insurance Co (MoneyGeek score of 84 out of 100)

Depending on category weightings, company scores might change. Tennessee's best auto insurance company is Auto-Owners Insurance Co. With a score of 84 out of 100, USAA is worth considering if you are a military member.

Best Overall Car Insurance in Chattanooga

Based on our analysis, these are the best car insurance companies in Chattanooga with the ideal combination of cost and service:

  • Auto-Owners Insurance Co: MoneyGeek score of 82 out of 100 ($585 per year)
  • Erie: MoneyGeek score of 78 out of 100 ($687 per year)

Auto-Owners Insurance Co scored highly in coverage options and affordability, which are two important factors to be a fantastic insurer overall. Military families should consider USAA since it scored 84 out of 100 in our rankings.

Auto-Owners Insurance

pros

Ranked well for affordability

Great score for coverage options

Provides accident forgiveness, deductible modification and diminished value coverage

cons

Lower score for claims

No new car replacement coverage

COMPANY HIGHLIGHTS

With its unique coverage options and high customer satisfaction as well as affordability, Auto-Owners Insurance Co stands out among its competitors.

If you get into an accident and have purchased accident forgiveness, your rates won’t go up after your first at-fault accident. With deductible modification, your deductible will be waived if you are in an accident with another Auto-Owners Insurance Co policyholder. Diminished value coverage ensures you don’t lose money if your car declines in value after you are in an accident. This is a rare coverage that most insurers do not offer.

You can expect smooth service with Auto-Owners Insurance Co regarding complaints, suggestions and claims since they have a high rating for customer satisfaction. They also have a great stability score, indicating that they can fulfill their financial obligations.

Read MoneyGeek's Auto-Owners Insurance Auto Insurance Review

Best Car Insurance in Chattanooga for Customer Service

According to our analysis, the following companies will give you excellent service quality no matter what the price is:

  • Chubb: MoneyGeek score of 76 out of 100 ($1,015 per year)
  • Cincinnati Insurance: MoneyGeek score of 74 out of 100 ($919 per year)

Chubb has excellent satisfaction and claims management scores. However, its policies are expensive, which means you’ll pay more for the excellent service you get.

Chubb

pros

High satisfaction score

Excellent claims management score

Scored high for customer satisfaction among other insurers

Offers original equipment manufacturer (OEM) and diminished value coverage

cons

Poor affordability score

Has higher premiums than its competitors

COMPANY HIGHLIGHTS

Customer service and claims management are great at Chubb. With Chubb, you can get OEM and diminished value coverages. If you get into an accident, OEM coverage will cover the cost of original parts. With diminished value coverage, you get a check for the value of your car if it's stolen or totaled. When you buy the policy, you'll decide the value of your car.

Claim management's high score shows how well the company handles claims and gets them resolved quickly. We also found that Chubb scored well for customer satisfaction based on J.D. Power reports and customer complaint levels.

Chubb does charge some of the highest rates in the city, so you will pay more for excellent service if you choose this insurer.

Best Cheap Car Insurance Companies in Chattanooga

According to MoneyGeek, these companies stand out among other insurers in terms of cost and service quality:

  • Auto-Owners Insurance Co: MoneyGeek score of 84 out of 100 ($204 per year)
  • Erie: MoneyGeek score of 75 out of 100 ($276 per year)

In Chattanooga, minimum coverage policies are cheaper, but they don't cover liability expenses or vehicle damage. This means you could end up paying more out of pocket.

Auto-Owners Insurance

pros

An affordable minimum coverage policy costs around $204 per year

High scores for coverage

Offers bundling, daytime running lights and responsible payments discounts

cons

Doesn’t rank well for claims management

No defensive driving discount

COMPANY HIGHLIGHTS

Auto-Owners Insurance Co scored the highest for financial stability and affordability. Customer satisfaction scores at the insurer are high, which means very few people have had negative experiences with the insurer.

Discounts are available for bundling multiple types of insurance, completing a defensive driving course and installing an anti-theft system. Auto-Owners Insurance Co also offers discounts on daytime running lights, electronic tracking devices and etching your window glass.

One of the more unique discounts offered by Auto-Owners Insurance Co is a responsible payments discount. This is offered to policyholders who pay their premiums on time consistently for 36 months. Beyond this, you can get a discount if you bundle your car insurance with a life insurance policy. These discounts are not generally offered by other insurers.

Read MoneyGeek's Auto-Owners Insurance Auto Insurance Review

Average Cost of Car Insurance in Chattanooga

In Chattanooga, car insurance costs $858 per year, which is $41 less than the state average in Tennessee and $407 less than the national average. Location is one factor that impacts your car insurance costs.

The average cost is for a full coverage policy with $100,000 bodily injury liability per person, $300,000 bodily injury liability per accident and $100,000 property damage liability.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.