The average cost of full coverage car insurance in Chattanooga is $1,290 per year, which is cheaper than the statewide average in Tennessee of $1,329. But car insurance rates can vary from company to company and driver to driver.
The best way to ensure you’re getting the cheapest rates is to compare quotes before you pick a policy. Policygenius can help you see quotes from top companies so you can feel confident you’re choosing the right coverage at the best price.
Methodology & why you can trust our rates
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: $50,000 per person/$100,000 per accident
Property damage liability: $50,000
Uninsured/underinsured motorist: $50,000 per person/$100,000 per accident
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in Chattanooga, TN
Insurance companies base rates on factors like your age, address, driving history and credit score. The lower the risk you pose to the insurance company, the lower your rates will be. But some companies generally charge less than others for coverage.
Company | Average cost | JD Power Rating |
|---|---|---|
State Farm | $842 | 882 |
USAA | $849 | 890 |
Auto-Owners Insurance | $975 | 865 |
GEICO | $1,024 | 874 |
Travelers | $1,204 | 854 |
Cheapest car insurance rates by ZIP code in Chattanooga, TN
Residents of densely populated neighborhoods will pay more for insurance than drivers who live in less congested areas. The more cars on the roads where you live, the more likely you are to get in an accident. You may also pay higher rates if you live in an area with a lot of crime, including car theft and vandalism.
ZIP code | Average cost |
|---|---|
37405 | $1,246 |
37419 | $1,259 |
37415 | $1,259 |
37416 | $1,265 |
37409 | $1,275 |
37343 | $1,281 |
37421 | $1,290 |
37411 | $1,293 |
37402 | $1,298 |
37408 | $1,302 |
Choosing the right car insurance company in Chattanooga, TN
There are many factors that go into getting the best coverage at the cheapest rate. Comparing quotes will give you a better understanding of what different companies can offer, from coverage to discounts to cost. Policygenius can help you understand your options and find the right coverage at the best price.
Car insurance rates for drivers with driving violations in Chattanooga, TN
Past driving violations, such as traffic citations and accidents, will affect your car insurance rate. Most insurance companies look back at the last three to five years of your driving history.
Typically, the more severe the offense, the more it affects your rates. DUI/DWI convictions and license suspensions are heavily weighted in your record and will affect your insurance rates for a longer period of time. Comparing rates will help find you the cheapest options, despite past violations.
Violation | State Farm | USAA | Auto-Owners Insurance | GEICO | Travelers |
|---|---|---|---|---|---|
At-fault accident | $1,012 | $1,297 | $1,728 | $1,832 | $1,745 |
DUI | $934 | $1,712 | $2,406 | $1,934 | $1,900 |
Suspended license | $934 | $1,652 | $2,406 | $2,711 | $1,900 |
Open container | $934 | $1,202 | $1,291 | $1,934 | $1,656 |
Expired registration | $934 | $1,075 | $1,004 | $1,182 | $1,656 |
Driving without lights | $934 | $1,075 | $1,004 | $1,225 | $1,656 |
Running a red light | $934 | $1,075 | $1,004 | $1,225 | $1,679 |
Following too closely | $934 | $1,075 | $1,004 | $1,225 | $1,656 |
Hit and run | $934 | $1,777 | $2,406 | $2,233 | $1,900 |
Not-at-fault accident | $855 | $905 | $1,004 | $1,013 | $1,297 |
Passing a school bus | $934 | $1,202 | $1,425 | $1,225 | $1,900 |
Reckless driving | $934 | $1,202 | $2,406 | $2,233 | $1,900 |
Speeding | $934 | $1,075 | $3,299 | $2,233 | $1,900 |
Cheapest car insurance for drivers with a DUI in Chattanooga, TN
Drivers in Chattanooga could see a significant increase in their rates if they get a DUI or DWI. The average annual cost for car insurance in Chattanooga is $1,290 per year, but Tennessee drivers can expect to pay an average of $2,477 per year if they have a DUI, which is a 92% increase over the average rate in Chattanooga.
But each car insurance company sets their own rates, so drivers with a DUI can save money by comparing quotes from multiple insurance companies. Our research shows that State Farm, USAA, and Travelers have the lowest rates for drivers with a DUI in Chattanooga.
Company | Rates for drivers with DUIs |
|---|---|
State Farm | $934 |
USAA | $1,712 |
Travelers | $1,900 |
GEICO | $1,934 |
Auto-Owners Insurance | $2,406 |
Cheapest car insurance for drivers with a speeding ticket in Chattanooga, TN
Drivers with a speeding ticket or moving violation on their record will also pay more for car insurance. Chattanooga drivers should expect to pay an average of $1,932 per year for car insurance if they have a speeding ticket on their record.
Speeding tickets may raise your insurance rates, but you can still save money on your car insurance by comparing quotes from multiple companies. We found that State Farm, USAA, and Travelers offer the lowest rates for drivers with a speeding ticket in Chattanooga.
Company | Rates for drivers with speeding tickets |
|---|---|
State Farm | $934 |
USAA | $1,075 |
Travelers | $1,900 |
GEICO | $2,233 |
Auto-Owners Insurance | $3,299 |
Cheapest car insurance for drivers with bad credit in Chattanooga, TN
As with your driving history, your credit history also plays a factor in getting the cheapest auto insurance rate possible. Drivers with low credit scores tend to pay more for car insurance. Anything you can do to raise your credit score can help you pay lower rates in the long run.
Company | Rates for drivers with bad credit |
|---|---|
GEICO | $1,547 |
USAA | $1,597 |
Tennessee Farmers Mutual Insurance | $1,732 |
Grange Insurance | $1,766 |
Nationwide | $1,792 |
Buying car insurance in Chattanooga, TN
Regardless of where you live in Tennessee, you are required by law to maintain a minimum amount of insurance coverage. If your car is leased, you may have additional requirements to meet. Driving without insurance may result in fines, registration suspension, or even arrest, so it’s important to know the law in your state.
In Chattanooga, drivers must have a minimum of $25,000 bodily injury liability coverage per person and $50,000 bodily injury liability coverage per accident. The minimum property damage liability coverage is $25,000. But to avoid costly bills after an accident, it is a good idea to pay for the highest amount of coverage that is affordable to you.
Tennessee is not a no-fault state and personal injury protection and uninsured/underinsured motorist coverage are optional. And even if you have the required coverage, uninsured/underinsured motorist coverage can protect you if the other driver is deemed at-fault, but does not have the insurance needed to pay for the accident.
How to get cheap car insurance in Chattanooga, TN
There are many ways to find cheap auto insurance rates in Chattanooga, including:
Shop around for a new policy every year
Maintain a safe driving record
Choose a less expensive, reliable car that is cheaper to repair
Bundle your auto insurance with your homeowners or renters insurance
Frequently asked questions
Does Tennessee have high car insurance rates?
Car insurance rates in Tennessee are lower than the national average, but drivers can still save money on car insurance by comparing rates between multiple companies.
Is Tennessee an at-fault state or a no-fault state?
Tennessee is an at-fault state, which means the driver who is at fault in an accident is responsible for any costs or expenses related to the accident. If you are at fault in an accident and don't have enough liability coverage, you will be expected to pay any additional costs out-of-pocket.
How much is car insurance per month in Tennessee?
The average cost of car insurance in Tennessee is $111 per month, or $1,329 per year.
Which insurance company has the best rates for drivers with bad credit in Chattanooga?
In Chattanooga, our analysis found that GEICO offers the best rates for drivers with bad credit. You can improve your credit score by paying off any outstanding debts, avoiding late payments, and limiting the number of inquiries you allow into your credit history.
