Cheapest and Best Car Insurance in Chattanooga, TN (2023)

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.