Buy Cheap Chattanooga, TN Auto Insurance

The average Chattanooga, TN auto insurance rates are $294 per month or $3,535 annually. However, your rates vary based on your age, driving record, and coverage needs. The cheapest Chattanooga, TN auto insurance company is State Farm. By law, all Chattanooga residents must carry the Tennessee minimum auto insurance limits of 25/50/15 in liability coverage to drive on the roads.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: May 27, 2021

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A Concise Overview

  • The average Chattanooga, TN auto insurance rates are $294 per month or $3,535 annually
  • State Farm offers the cheapest average quotes in your city
  • Higher than state average vehicle theft statistics negatively impact your Chattanooga auto insurance costs

Are you a Chattanooga resident looking for cheap Tennessee auto insurance? The average Chattanooga, TN auto insurance rates cost $294 per month or $3,535 annually. However, many different factors impact your premiums.

Below, compare actual rates from the top insurance companies in Chattanooga and learn how to secure cheap coverage in your city.

When you’re ready to buy Chattanooga, TN auto insurance, enter your ZIP code into our free quote tool above to get started.

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

The cheapest Chattanooga, TN auto insurance company is State Farm.

However, your age, driving record, and coverage requirements impact your actual premiums.

In the list below, compare the average annual rates from the top insurance providers in your city:

  • State Farm – $2,692.23
  • USAA – $2,717.90
  • Travelers – $2,747.82
  • GEICO – $3,123.76
  • Farmers – $3,234.96
  • Progressive – $3,422.38
  • Nationwide – $3,439.40
  • Allstate – $4,544.20
  • Liberty Mutual – $5,900.61

Keep in mind that every insurance company uses a unique equation when calculating rates.

Your driving record, age, and even how often you drive influence your quotes differently depending on the provider.

Therefore, to truly secure affordable Chattanooga, TN auto insurance, compare quotes from multiple providers online.

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What auto insurance coverage is required in Chattanooga, TN?

By law, all Chattanooga residents must carry at least the Tennessee minimum auto insurance limits.

Currently, Tennessee requires the following levels of insurance:

  • $25,000 per person and $50,000 per incident in bodily injury liability coverage
  • $15,000 per incident in property damage liability coverage

Tennessee is an at-fault or tort state. Your liability auto insurance pays for damages to the other driver if you cause an accident.

However, experts often recommend investing in full coverage auto insurance for more extensive protection.

What affects auto insurance rates in Chattanooga, TN?

Despite only minor traffic congestion, high auto theft statistics also influence your regional Chattanooga, TN auto insurance quotes.

A traffic scorecard report from INRIX ranks Chattanooga as the 153rd most congested city in America. Drivers lose four hours to backed up traffic each year.

Fortunately, the commute time in Chattanooga is shorter than the national average of 26 minutes. According to City-Data, most people in your town take about 19 minutes to commute to work.

Unfortunately, the Federal Bureau of Investigation (FBI) recorded 1,342 car thefts in Chattanooga in 2017.

That very high rate of 750.8 stolen vehicles per 100,000 residents negatively impacts auto insurance costs where you live.

Chattanooga, TN Auto Insurance: The Bottom Line

Overall, high auto theft statistics keep insurance costs up in Chattanooga, Tennessee.

However, by taking the time to compare rates online, you’ll quickly secure cheap insurance premiums. Remember to also ask about auto insurance discounts.

Don’t wait. Compare Chattanooga, TN auto insurance quotes for free by entering your ZIP code into our rate tool below.

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