In Chattanooga, Erie offers the best home insurance, balancing affordability, customer service and coverage options. If you're focused on budget, State Farm provides the lowest premium at around $287 per month.
Cheap Home Insurance in Chattanooga
Updated: June 9, 2025
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Key Takeaways
Erie provides the best overall value for homeowners in Chattanooga, while State Farm delivers the most affordable coverage at $3,441 annually.
On average, home insurance in Chattanooga costs $798 per month, adding up to $9,573 per year.
Decide how much coverage you need, research insurers and get multiple quotes to find the right home insurance in Chattanooga.
Best Cheap Home Insurance Companies in Chattanooga
| Erie | 91 | $495 | $5,945 |
| State Farm | 87 | $287 | $3,441 |
| Foremost Insurance | 79 | $338 | $4,053 |
| Allstate | 78 | $422 | $5,065 |
| Travelers | 74 | $972 | $11,661 |
*Rates are for a 2,500-square-foot home with $250,000 in dwelling coverage and a $1,000 deductible, built in 2000.
How Much Does Chattanooga Home Insurance Cost?
Chattanooga home insurance costs vary widely by personal profile, coverage chosen and home details. Rates range from $305 to $2,949 per month on average. Below, you can compare personalized rates based on your home's age and desired coverage level.
Data filtered by:Results filtered by:
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Age of Home:Newer Home
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Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
| $100K Dwelling / $50K Personal Property / $100K Liability | $305 | $3,661 |
How to Get the Best Cheap Home Insurance in Chattanooga
Finding affordable home insurance in Chattanooga can be tough. We've created a step-by-step guide to help you discover the best cheap homeowners insurance that suits your needs.
- 1
Decide on Coverage Beforehand
Determining your home insurance coverage needs beforehand allows you to compare quotes easily and prevents you from being oversold by agents.
- 2
Research Cost and Discounts
Researching average home insurance costs in Tennessee for your city and profile can help you gauge your potential savings with any given provider. Also, understanding what discounts you may qualify for will help you find companies that offer them, leading to lower rates.
- 3
Compare Company Offerings and Reputations
In addition to cost research, understand what add-on coverages companies offer and their reputations for handling claims, agent service, policy management and buying processes. Great resources for this include J.D. Power, the NAIC, forums like Reddit and user review sites like Trustpilot.
- 4
Compare Many Quotes Through Multiple Means
Comparing multiple quotes apples-to-apples will allow you to understand the cheaper option for you. Pricing also will vary depending on where you get your quote, so we recommend getting quotes online and from independent agents and captive agents to make sure you get the lowest price.
Best Home Insurance in Chattanooga: Bottom Line
The top three best and cheapest home insurance providers in Chattanooga are Erie, State Farm and Foremost. While these are our recommendations, do your own research and compare multiple quotes to secure the best deal.
Chattanooga Home Insurance: FAQ
Below, we answer frequently asked questions about home insurance in Chattanooga.
Who offers the best home insurance in Chattanooga?
We recommend Erie as the best home insurance provider in Chattanooga for its affordable pricing, top-notch service and diverse selection of add-on coverages. We also recommend getting quotes from State Farm, Foremost Insurance, Allstate and Travelers.
Who has the cheapest home insurance in Chattanooga?
State Farm provides the most affordable home insurance for the average homeowner in Chattanooga, costing about $287 per month or $3,441 per year. However, rates can vary widely depending on your coverage level and home characteristics.
What does home insurance cost in Chattanooga?
Chattanooga home insurance prices range from $3,661 to $35,384 annually, based on the property's age and coverage levels.
How We Decided the Best Cheap Home Insurance Companies in Chattanooga
MoneyGeek’s study analyzed home insurance premiums from 10 companies in Chattanooga. The data used was provided in partnership with Quadrant. The customer satisfaction scores used in this study were drawn from J.D. Power surveys. To calculate affordability scores, quotes were collected for a home with varying coverage levels.
In this analysis, MoneyGeek used a base profile for a homeowner with a 2,500 square foot home built in 2000 with dwelling coverage of $250,000, personal property coverage of $100,000, and liability coverage of $100,000. All the policies had the same deductible of $1,000.
Other quotes were also collected for homeowners with newly constructed homes, increased dwelling or personal property coverage, higher deductibles, and poor credit scores.
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.