The best car insurance in Chattanooga, TN

Jessica Olivo

By

Jessica Olivo

Jessica Olivo

Freelance contributor

Jessica Olivo is a writer living in Connecticut. She specializes in web and blog content in a variety of topics such as parenting, business, and culture, as well as serialized and short fiction.

After working in publishing and book publicity for many years, she transitioned to freelance writing full time.

Published November 8, 2021

Policygenius content follows strict guidelines for editorial accuracy and integrity. Learn about our

editorial standards

and

how we make money.

The average cost of full coverage car insurance in Chattanooga is $1,276, below the Tennessee state average of $1,329. But car insurance rates can vary from company to company and driver to driver. 

Ready to shop car insurance?

Start calculator

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.

Key Takeaways

  • State Farm has the cheapest average rate for full coverage car insurance in Chattanooga

  • GEICO is the most affordable option for drivers with bad credit

  • Tennessee requires a minimum of $25,000 bodily injury liability coverage per person, $50,000 per accident, and $15,000 in property damage liability

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

$750

881

USAA

$849

890

GEICO

$901

871

Auto-Owners Insurance

$955

890

Erie

$1,151

880

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

37343

$1,268

37402

$1,290

37403

$1,294

37404

$1,301

37405

$1,239

37406

$1,299

37407

$1,301

37408

$1,282

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

GEICO

Auto-Owners Insurance

Erie

At-fault Accident

$902

$1,297

$1,610

$2,147

$1,641

DUI

$832

$1,712

$1,684

$2,976

$1,955

Driving with a suspended license

$832

$1,652

$2,353

$2,976

$1,641

Driving with an open container

$832

$1,202

$1,684

$1,612

$1,327

Driving with expired registration

$832

$1,075

$1,036

$973

$1,327

Driving without Lights

$832

$1,075

$1,079

$973

$1,327

Failure to show documents

$832

$1,075

$1,036

$973

$1,327

Failure to stop at a red light

$832

$1,075

$1,079

$973

$1,327

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

$1,354

USAA

$1,597

Tennessee Farmers Mutual Insurance

$1,728

Grange Insurance

$1,781

Nationwide

$1,782

Ready to shop car insurance?

Start calculator

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 $15,000. 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

I’m turning 25 soon; will my rates change?

New drivers usually have the highest insurance rates because they have the largest potential for accidents. Each year after you start driving, your rates should go down until they level out at 25, as long as you maintain a safe driving record.

I’m thinking of buying a new car, what factors should I consider to keep my insurance costs low?

Since expensive cars can be costly to repair, you’ll pay more in auto insurance than with a less expensive vehicle. You can also save money on auto insurance by purchasing a vehicle with safety features like anti-theft systems and collision warnings.

I was in a car accident five years ago, will that affect my rates when I look for new insurance?

As with other factors for determining your insurance rate, companies will charge less for safer drivers than for those who are likely to cost them more money. Driving violations are weighted based on severity and most car accidents will be cleared from your record by five years.

Which insurance company has the best rates for drivers with bad credit?

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.

Methodology

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: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • 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.