Chattanooga, TN Auto Insurance (2024)

Chattanooga, TN auto insurance rates are $134 cheaper than the Tennessee average and $405 less expensive than the national average. But, your Chattanooga, Tennessee auto insurance rates will vary.

How come? Chattanooga, TN auto insurance quotes are determined by several factors, such as age, credit history, and driving record.

Read through this guide to learn how to find cheap auto insurance in Chattanooga, TN.

Monthly Chattanooga, TN Car Insurance Rates by ZIP Code

ZIP codes will play a major role in your auto insurance rates because factors like crime and traffic are calculated by the ZIP code. Find more info about the monthly Chattanooga, TN auto insurance rates by ZIP Code below:

For more details, see auto insurance rates by ZIP code: what you need to know.

Chattanooga, TN Car Insurance Rates vs. Top US Metro Car Insurance Rates

What city you reside in will impact your car insurance. That’s why it’s essential to compare Chattanooga, TN against other top US metro areas’ auto insurance costs.

If you’re ready to find affordable Chattanooga, TN auto insurance? Enter your ZIP code above to get started.

What is the cheapest auto insurance company in Chattanooga, TN?

The cheapest auto insurance company in Chattanooga, Tennessee, based on average rates, is State Farm.

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The cheapest Chattanooga, TN car insurance providers can be found below. You also might be wondering, “How do those Chattanooga, TN rates compare against the average Tennessee car insurance company rates?” We uncover that too.

The best auto insurance companies in Chattanooga, ranked from cheapest to most expensive, are:

• State Farm auto insurance – $2,692
• USAA auto insurance – $2,718
• Travelers auto insurance – $2,748
• Geico auto insurance – $3,124
• Farmers auto insurance – $3,235
• Progressive auto insurance – $3,422
• Nationwide auto insurance – $3,439
• Allstate auto insurance – $4,544
• Liberty Mutual auto insurance – $5,901

Several factors determine your auto insurance rates. The cheapest company depends on personal factors.

One of the most significant factors is driving record. A clean driving history can save you at least 20 percent on auto insurance rates.

Even your age is a factor. Young and single drivers pay the most car insurance. So, a teen or young adult driver in Chattanooga, TN, may pay more for auto insurance.

Married drivers between 35 and 60 years old pay significantly less. However, you can qualify for cheaper rates when you have good credit.

Chattanooga, Tennessee car insurance costs by company and age is an essential comparison because the top car insurance company for one age group may not be the best provider for another age group.

For more details, see auto insurance rates for married vs. single drivers.

Your coverage level will play a major role in your Chattanooga, Tennessee car insurance costs. Find the cheapest Chattanooga, Tennessee car insurance costs by coverage level below:

Your credit score will play a major role in your Chattanooga, TN car insurance costs unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. See details at auto insurance and your credit score.

Find the cheapest Chattanooga, Tennessee car insurance costs by credit score below.

Your driving record will affect your Chattanooga, TN car insurance costs. For example, a Chattanooga, Tennessee DUI may increase your car insurance costs 40 to 50 percent. Find the cheapest Chattanooga, Tennessee car insurance costs by driving record.

Controlling these risk factors will ensure you have the cheapest Chattanooga, Tennessee car insurance. Factors affecting car insurance rates in Chattanooga, TN may include your commute, coverage level, tickets, DUIs, and credit.

Age is a significant factor for Chattanooga, TN car insurance rates. Young drivers are often considered high-risk. This Chattanooga, Tennessee does use gender as a car insurance factor, so check out the average monthly auto insurance rates by age and gender in Chattanooga, TN.

What are the auto insurance requirements in Chattanooga, TN?

All Chattanooga drivers have to meet the minimum Tennessee auto insurance requirements.

In Tennessee, you have to carry at least:

• $25,000 per person and $50,000 per accident for bodily injury liability (BIL) insurance
• $15,000 per accident for property damage liability
• $25,000 per person and $50,000 per accident for uninsured motorist coverage (UIM) auto insurance

Tennessee is an at-fault state. It’s recommended that most drivers carry more than the state minimum.

Some car insurance companies recommended you carry higher coverage levels. However, increasing your coverage level drives up your auto insurance cost.

What affects auto insurance rates in Chattanooga, TN?

According to Data USA, the average commute time in Chattanooga is 19 minutes. That’s six minutes faster than the national average.

But driving less than the Chattanooga, TN commute average could mean big savings on your auto insurance policy.

Vehicle theft in Chattanooga, TN, also affects car insurance rates. The most recent annual statistics list 1,314 auto thefts in Chattanooga.

Auto thefts affect comprehensive auto insurance most. If you happen to have a vehicle on the low theft rate list, you may be able to save a few hundred dollars on car insurance.

What about Chattanooga, TN weather? According to City-Data, Chattanooga had ten floods and ten storms that caused natural disasters.

Chattanooga, TN Auto Insurance: What’s the bottom line?

Chattanooga drivers have more chances to buy affordable auto insurance in Tennessee than the average American motorist.

The best way to secure cheap car insurance in Chattanooga is to keep a clean driving record and maintain good credit. If your vehicle has any anti-theft or safety features, you can qualify for auto insurance discounts.

Before you buy Chattanooga, TN auto insurance, be sure you’ve checked out rates from multiple companies. Enter your ZIP code below to get fast, free auto insurance quotes.