Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 13, 2022

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Just What's Essential

  • The cheapest car insurance company in Chattanooga after a DUI is State Farm
  • Average car insurance rates in Chattanooga, TN for senior drivers are $1,725/year
  • Average car insurance rates in Chattanooga, TN are $270/month

Average car insurance rates in Chattanooga, Tennessee are $270 a month. But with a little research you can get a great deal from the top car insurance companies in Chattanooga, TN. Before you buy Chattanooga, Tennessee car insurance, make sure your coverage meets or exceeds the Tennessee minimum of 25/50/15.

It may even be helpful to compare Chattanooga car insurance rates with Murfreesboro car insurance rates, Knoxville car insurance rates, or Hendersonville car insurance rates to make sure you’re getting the best Chattanooga, TN car insurance quotes available.

Need affordable Chattanooga, TN car insurance? Enter your ZIP code to compare Chattanooga car insurance quotes from multiple car insurance companies near you.

Chattanooga, TN Minimum Car Insurance Coverage

Chattanooga, Tennessee law requires drivers carry a minimum of 25/50/15 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Chattanooga, Tennessee

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $15,000 minimum

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Chattanooga, TN Car Insurance Rates by Coverage Level

Some Chattanooga drivers can get by with the Tennessee minimum coverage of 25/50/15. Other drivers may need more. See how much your Chattanooga, Tennessee car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Chattanooga, Tennessee

Insurance Company Low Medium High
Allstate $4,365 $4,532 $4,736
Farmers $3,037 $3,217 $3,450
GEICO $2,959 $3,116 $3,296
Liberty Mutual $5,624 $5,899 $6,179
Nationwide $3,456 $3,367 $3,496
Progressive $3,169 $3,422 $3,676
State Farm $2,525 $2,706 $2,845
Travelers $2,581 $2,746 $2,917
USAA $2,626 $2,708 $2,820

Chattanooga, TN Car Insurance Rates by Age, Gender, and Marital Status

Chattanooga, Tennessee car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Chattanooga, TN car insurance, get quotes from multiple car insurance companies in the Chattanooga area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Chattanooga, Tennessee

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,621 $2,513 $2,365 $2,454 $9,935 $10,806 $2,784 $2,875
Farmers $1,688 $1,718 $1,514 $1,668 $7,074 $7,521 $2,285 $2,411
GEICO $2,047 $2,061 $1,881 $1,881 $6,389 $6,484 $2,090 $2,157
Nationwide $2,185 $2,199 $1,961 $1,988 $6,102 $7,844 $2,516 $2,721
Progressive $1,712 $1,601 $1,398 $1,467 $7,961 $8,943 $2,057 $2,239
State Farm $1,615 $1,615 $1,468 $1,468 $5,075 $6,341 $1,829 $2,127
Travelers $1,767 $1,860 $1,610 $1,714 $4,982 $6,191 $1,880 $1,978
USAA $1,529 $1,554 $1,383 $1,382 $5,482 $6,290 $2,000 $2,123

Chattanooga, TN Car Insurance Rates for Teens

How much is Chattanooga, Tennessee car insurance for teens? Compare rates from top Chattanooga car insurance companies below to help find the cheapest teen car insurance in Chattanooga, TN.

Annual Car Insurance Rates for Teen Drivers in Chattanooga, Tennessee

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,935 $10,806
Farmers $7,074 $7,521
GEICO $6,389 $6,484
Nationwide $6,102 $7,844
Progressive $7,961 $8,943
State Farm $5,075 $6,341
Travelers $4,982 $6,191
USAA $5,482 $6,290

Chattanooga, TN Car Insurance Rates for Seniors

Before seniors buy Chattanooga, Tennessee car insurance, they should make sure to shop around. Some Chattanooga, TN car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Chattanooga, Tennessee

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,365 $2,454
Farmers $1,514 $1,668
GEICO $1,881 $1,881
Nationwide $1,961 $1,988
Progressive $1,398 $1,467
State Farm $1,468 $1,468
Travelers $1,610 $1,714
USAA $1,383 $1,382

Chattanooga, TN Car Insurance Rates by Credit History

How does your credit history affect Chattanooga, TN car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Chattanooga, Tennessee

Insurance Company Poor Fair Good
Allstate $5,797 $4,442 $3,394
Farmers $3,845 $3,012 $2,848
GEICO $3,541 $3,037 $2,794
Liberty Mutual $8,446 $5,193 $4,063
Nationwide $4,121 $3,282 $2,915
Progressive $3,830 $3,324 $3,113
State Farm $3,910 $2,345 $1,821
Travelers $3,492 $2,747 $2,004
USAA $3,931 $2,312 $1,910

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Chattanooga, TN Car Insurance Rates by Driver History

How does a single speeding ticket affect your Chattanooga, Tennessee car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Chattanooga.

Annual Chattanooga, Tennessee Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,800 $4,534 $5,491 $4,352
Farmers $2,760 $3,423 $3,512 $3,245
GEICO $2,284 $3,044 $4,883 $2,284
Liberty Mutual $4,783 $6,905 $6,414 $5,501
Nationwide $2,980 $2,980 $4,461 $3,337
Progressive $3,013 $3,925 $3,208 $3,543
State Farm $2,445 $2,939 $2,692 $2,692
Travelers $2,228 $2,862 $3,162 $2,738
USAA $1,976 $2,966 $3,478 $2,452

Chattanooga, TN Car Insurance Rates With a DUI

Even a single DUI can increase your Chattanooga, TN car insurance rates. Compare rates below to see which Chattanooga car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Chattanooga, Tennessee

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,491
Farmers $3,512
GEICO $4,883
Liberty Mutual $6,414
Nationwide $4,461
Progressive $3,208
State Farm $2,692
Travelers $3,162
USAA $3,478

Chattanooga, TN Car Insurance Rates by ZIP Code

Just like Chattanooga car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Chattanooga, TN car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Chattanooga, Tennessee

ZIP Code Average Annual Rates
37343 $3,561
37363 $3,554
37402 $3,595
37403 $3,610
37404 $3,642
37405 $3,561
37406 $3,605
37407 $3,605
37408 $3,605
37409 $3,608
37410 $3,577
37411 $3,660
37415 $3,546
37416 $3,554
37419 $3,527
37421 $3,669
37450 $3,638

Chattanooga, TN Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Chattanooga, TN car insurance rates may be. Let’s take a look at average car insurance rates from top Chattanooga companies based on commute time.

Annual Car Insurance Rates by Commute Length in Chattanooga, Tennessee

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,544 $4,544
Farmers $3,235 $3,235
GEICO $3,102 $3,146
Liberty Mutual $5,901 $5,901
Nationwide $3,439 $3,439
Progressive $3,422 $3,422
State Farm $2,627 $2,757
Travelers $2,640 $2,856
USAA $2,642 $2,794

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Chattanooga, TN Cheapest Car Insurance Rates

How do the top Chattanooga, Tennessee car insurance companies’ average rates stack up against the Chattanooga average monthly car insurance rates of $270? Take a look and see.

Best Annual Car Insurance Rates by Company in Chattanooga, Tennessee

Category Insurance Company
Teenagers Travelers
Seniors USAA
Clean Record USAA
With 1 Accident Travelers
With 1 DUI State Farm
With 1 Speeding Violation GEICO

Chattanooga, TN Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Chattanooga, Tennessee car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Chattanooga, Tennessee

Insurance Company Average Annual Rates
Allstate $4,544
Farmers $3,235
GEICO $3,124
Nationwide $3,439
Progressive $3,422
State Farm $2,692
Travelers $2,748
USAA $2,718

Other Factors Affecting Chattanooga, TN Car Insurance Rates

Before you buy Chattanooga, Tennessee car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Chattanooga, TN Commute Time

How does your Chattanooga, TN commute time compare with the average driver? In Chattanooga, the average commute is 19.4 minutes.

Chattanooga, TN Traffic

Spending time in Chattanooga traffic can lead to higher car insurance rates. According to INRIX data, Chattanooga, TN ranks as the 739th-most congested with traffic in the world.

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Chattanooga, TN Car Insurance Quotes

Compare Chattanooga, TN car insurance quotes from multiple companies by entering your ZIP code now.