Cheapest and Best Car Insurance in Chattanooga, TN (2023)

Chubb is the optimal choice for superior customer service irrespective of the price. When it comes to family policies, Nationwide offers the most inexpensive coverage for teenagers. State Farm provides the most competitive rates following driving offenses. Auto-Owners Insurance Co, situated in Chattanooga, offers the most budget-friendly options for both minimum coverage and comprehensive policies, making it the most cost-effective choice for military families. The most economical insurance company for you may differ depending on your individual profile and requirements.

Most affordable and top-quality car insurance in Chattanooga.

2023.

Cheapest and Best Car Insurance in Chattanooga

Auto-Owners Insurance Company.

– Nationwide.

Auto-Owners Insurance Company.

Best Car Insurance in Chattanooga: Summary

The car insurance company that determines various factors to prioritize your needs is what is right for you. The best car insurance companies in Chattanooga are located here.

Top Pick: Auto-Owners Insurance Company (MoneyGeek rating of 82 out of 100).

Top for Service: Chubb (MoneyGeek rating of 76 out of 100).

Top Affordable: Auto-Owners Insurance Co (MoneyGeek rating of 84 out of 100).

Company scores may vary depending on the weighting of categories. Auto-Owners Insurance Co. Is the top auto insurance company in Tennessee. If you are a military member, it is worth considering USAA, which has a score of 84 out of 100.

Cheapest Car Insurance in Chattanooga After a Driving Offense

According to MoneyGeek’s study, these car insurance providers are the most affordable for individuals with the subsequent driving infractions:.

Traffic violation fine: State Farm ($670 annually).

Faulty collision: State Farm ($729 annually).

DUI: State Farm ($670 annually).

Progressive is the most expensive insurer for individuals with an at-fault accident and a speeding ticket, charging approximately $2,204 per year respectively. On the other hand, Chubb is the most expensive insurer for those with a DUI, charging around $4,078 per year. A poor driving record can have a significant impact on rates. Even the cheapest company will charge more for drivers with bad records, whereas safe drivers enjoy lower rates.

Company	Annual Premium	Monthly Premium
State Farm	$263	$22
State Farm	$263	$22
State Farm	$280	$23
State Farm	$280	$23
Erie	$285	$24
Erie	$287	$24
Auto-Owners Insurance Co	$288	$24
State Farm	$290	$24
Auto-Owners Insurance Co	$290	$24
Tennessee Farm Bureau	$298	$25
Tennessee Farm Bureau	$298	$25
State Farm	$308	$26
Tennessee Farm Bureau	$312	$26
Tennessee Farm Bureau	$312	$26
State Farm	$342	$28
State Farm	$342	$28
Auto-Owners Insurance Co	$372	$31
State Farm	$375	$31
Erie	$375	$31
Erie	$375	$31
Auto-Owners Insurance Co	$376	$31
Erie	$381	$32
Cincinnati Insurance	$381	$32
Auto-Owners Insurance Co	$415	$35
Tennessee Farm Bureau	$421	$35
Tennessee Farm Bureau	$421	$35
GEICO	$421	$35
Chubb	$424	$35
Westfield	$430	$36
Cincinnati Insurance	$444	$37
Farmers	$455	$38
Chubb	$461	$38
Erie	$462	$39
GEICO	$462	$39
Erie	$465	$39
Tennessee Farm Bureau	$469	$39
Westfield	$475	$40
Tennessee Farm Bureau	$491	$41
American National P&C	$498	$42
Erie	$499	$42
Westfield	$507	$42
Farmers	$511	$43
GEICO	$517	$43
Farmers	$525	$44
Auto-Owners Insurance Co	$537	$45
Travelers	$537	$45
Farmers	$538	$45
Grange Insurance	$540	$45
Progressive	$545	$45
Grange Insurance	$552	$46
Farmers	$553	$46
Cincinnati Insurance	$557	$46
Travelers	$562	$47
Auto-Owners Insurance Co	$563	$47
Allstate	$564	$47
Travelers	$565	$47
Nationwide	$566	$47
Auto-Owners Insurance Co	$567	$47
Allstate	$571	$48
American National P&C	$572	$48
Progressive	$575	$48
Nationwide	$580	$48
GEICO	$589	$49
Grange Insurance	$589	$49
Travelers	$591	$49
American National P&C	$592	$49
Farmers	$592	$49
American National P&C	$598	$50
Grange Insurance	$601	$50
Farmers	$609	$51
Allstate	$611	$51
Farmers	$613	$51
State Farm	$615	$51
State Farm	$615	$51
Erie	$616	$51
Westfield	$618	$52
Travelers	$624	$52
Grange Insurance	$635	$53
Travelers	$636	$53
Farmers	$638	$53
Chubb	$638	$53
Allstate	$640	$53
Progressive	$646	$54
Nationwide	$649	$54
Allstate	$650	$54
Allstate	$651	$54
Travelers	$653	$54
Westfield	$656	$55
Grange Insurance	$660	$55
Allstate	$661	$55
Tennessee Farm Bureau	$664	$55
GEICO	$666	$56
State Farm	$670	$56
State Farm	$670	$56
Progressive	$670	$56
State Farm	$671	$56
American National P&C	$672	$56
Travelers	$673	$56
American National P&C	$680	$57
Cincinnati Insurance	$681	$57
Westfield	$682	$57
Grange Insurance	$682	$57
Nationwide	$685	$57
Progressive	$692	$58
Chubb	$696	$58
Grange Insurance	$698	$58
Allstate	$700	$58
Nationwide	$702	$59
Erie	$708	$59
American National P&C	$710	$59
Erie	$712	$59
Allstate	$713	$59
State Farm	$729	$61
GEICO	$732	$61
GEICO	$733	$61
Cincinnati Insurance	$734	$61
Travelers	$745	$62
Grange Insurance	$767	$64
Chubb	$768	$64
Progressive	$768	$64
American National P&C	$772	$64
Tennessee Farm Bureau	$781	$65
Tennessee Farm Bureau	$781	$65
Nationwide	$793	$66
Auto-Owners Insurance Co	$797	$66
Nationwide	$798	$67
GEICO	$802	$67
American National P&C	$806	$67
Cincinnati Insurance	$810	$68
Auto-Owners Insurance Co	$812	$68
Nationwide	$815	$68
Auto-Owners Insurance Co	$841	$70
GEICO	$842	$70
State Farm	$862	$72
State Farm	$862	$72
Cincinnati Insurance	$865	$72
Cincinnati Insurance	$885	$74
Tennessee Farm Bureau	$893	$74
Tennessee Farm Bureau	$893	$74
Progressive	$897	$75
Erie	$900	$75
Erie	$900	$75
Nationwide	$906	$75
Farmers	$921	$77
GEICO	$927	$77
Farmers	$933	$78
State Farm	$940	$78
Erie	$952	$79
Nationwide	$954	$79
GEICO	$971	$81
Westfield	$992	$83
Progressive	$993	$83
Allstate	$995	$83
Cincinnati Insurance	$998	$83
Auto-Owners Insurance Co	$998	$83
Westfield	$1,001	$83
Farmers	$1,003	$84
Nationwide	$1,021	$85
Chubb	$1,022	$85
Farmers	$1,030	$86
Progressive	$1,040	$87
Auto-Owners Insurance Co	$1,045	$87
Farmers	$1,051	$88
Allstate	$1,061	$88
Farmers	$1,070	$89
Allstate	$1,074	$90
Cincinnati Insurance	$1,076	$90
Farmers	$1,076	$90
Erie	$1,087	$91
Erie	$1,090	$91
Cincinnati Insurance	$1,092	$91
American National P&C	$1,151	$96
Farmers	$1,153	$96
Chubb	$1,153	$96
Allstate	$1,160	$97
GEICO	$1,168	$97
American National P&C	$1,173	$98
Chubb	$1,182	$99
Nationwide	$1,185	$99
Allstate	$1,197	$100
Erie	$1,200	$100
Farmers	$1,203	$100
Travelers	$1,207	$101
Westfield	$1,215	$101
Auto-Owners Insurance Co	$1,216	$101
Tennessee Farm Bureau	$1,231	$103
Tennessee Farm Bureau	$1,231	$103
Tennessee Farm Bureau	$1,242	$103
Allstate	$1,244	$104
Nationwide	$1,244	$104
Westfield	$1,253	$104
Allstate	$1,255	$105
Travelers	$1,258	$105
American National P&C	$1,263	$105
Westfield	$1,264	$105
Grange Insurance	$1,268	$106
Westfield	$1,279	$107
Allstate	$1,287	$107
Allstate	$1,298	$108
Grange Insurance	$1,299	$108
Westfield	$1,300	$108
Grange Insurance	$1,303	$109
Travelers	$1,303	$109
American National P&C	$1,305	$109
Westfield	$1,308	$109
Grange Insurance	$1,313	$109
GEICO	$1,318	$110
Travelers	$1,323	$110
Nationwide	$1,331	$111
American National P&C	$1,359	$113
Travelers	$1,364	$114
Progressive	$1,370	$114
Travelers	$1,378	$115
Cincinnati Insurance	$1,380	$115
Travelers	$1,387	$116
Progressive	$1,397	$116
GEICO	$1,402	$117
Grange Insurance	$1,412	$118
American National P&C	$1,413	$118
Tennessee Farm Bureau	$1,420	$118
Auto-Owners Insurance Co	$1,447	$121
Erie	$1,449	$121
American National P&C	$1,462	$122
Chubb	$1,497	$125
Auto-Owners Insurance Co	$1,498	$125
Travelers	$1,507	$126
Travelers	$1,517	$126
Auto-Owners Insurance Co	$1,520	$127
Westfield	$1,527	$127
Chubb	$1,527	$127
Nationwide	$1,532	$128
Grange Insurance	$1,532	$128
Nationwide	$1,543	$129
GEICO	$1,545	$129
Cincinnati Insurance	$1,547	$129
Grange Insurance	$1,570	$131
American National P&C	$1,596	$133
Progressive	$1,610	$134
Nationwide	$1,619	$135
Chubb	$1,640	$137
GEICO	$1,660	$138
Progressive	$1,663	$139
Grange Insurance	$1,667	$139
Chubb	$1,698	$142
GEICO	$1,701	$142
American National P&C	$1,710	$143
Cincinnati Insurance	$1,710	$143
Chubb	$1,738	$145
Progressive	$1,753	$146
GEICO	$1,784	$149
Nationwide	$1,831	$153
Grange Insurance	$1,856	$155
Cincinnati Insurance	$1,925	$160
Tennessee Farm Bureau	$1,960	$163
Progressive	$1,996	$166
Cincinnati Insurance	$2,121	$177
Auto-Owners Insurance Co	$2,199	$183
Progressive	$2,204	$184
Progressive	$2,348	$196
Westfield	$2,393	$199
Westfield	$2,400	$200
Cincinnati Insurance	$2,417	$201
Chubb	$2,600	$217
Westfield	$2,619	$218
Progressive	$2,662	$222
Cincinnati Insurance	$2,672	$223
Chubb	$2,842	$237
Chubb	$3,558	$297
Chubb	$4,078	$340
Chubb	$6,214	$518

If you desire to acquire the most affordable car insurance for individuals with poor driving records, it is advisable to evaluate different quotes and explore various options. In the event of a DUI offense, your premiums may rise by approximately $770, whereas a speeding ticket in Chattanooga could lead to a $196 increase in your rates. It is important to note that more severe violations can potentially cause a further escalation in your insurance premiums.

Average Annual Auto Insurance Rates

Click the category of the wheel within your budget to view choices.

Click on an insurance provider below to go to their review page or proceed to your customized quote.

Company Average Yearly Rates.

Cheapest Car Insurance in Chattanooga for Military Drivers

Among the companies analyzed by MoneyGeek, veterans and drivers with a military background will discover the most economical prices with these two companies.

Auto-Owners Insurance Company: $585 annually.

USAA: $586 annually.

If you’re looking for the cheapest car insurance policy that offers coverage for a full year, USAA offers the cheapest option, averaging $229 per year. Auto-Owners Insurance also offers the cheapest minimum coverage policy for military drivers, with rates above that for full coverage.

Company	Annual Premium	Monthly Premium
Auto-Owners Insurance Co	$204	$17
Auto-Owners Insurance Co	$205	$17
USAA	$229	$19
USAA	$232	$19
State Farm	$237	$20
State Farm	$252	$21
Erie	$275	$23
Erie	$276	$23
USAA	$296	$25
Auto-Owners Insurance Co	$296	$25
Tennessee Farm Bureau	$298	$25
State Farm	$307	$26
Tennessee Farm Bureau	$312	$26
Cincinnati Insurance	$320	$27
Westfield	$359	$30
Erie	$367	$31
Farmers	$371	$31
Chubb	$373	$31
Cincinnati Insurance	$375	$31
GEICO	$379	$32
Farmers	$388	$32
Grange Insurance	$395	$33
Westfield	$396	$33
Grange Insurance	$403	$34
Chubb	$405	$34
Travelers	$410	$34
American National P&C	$410	$34
GEICO	$417	$35
Tennessee Farm Bureau	$421	$35
Westfield	$423	$35
Grange Insurance	$443	$37
Progressive	$451	$38
Travelers	$452	$38
Farmers	$454	$38
Travelers	$457	$38
Cincinnati Insurance	$469	$39
American National P&C	$472	$39
GEICO	$478	$40
Progressive	$485	$40
American National P&C	$494	$41
Nationwide	$510	$42
Allstate	$522	$43
Nationwide	$524	$44
Allstate	$528	$44
Auto-Owners Insurance Co	$552	$46
State Farm	$559	$47
USAA	$562	$47
Allstate	$562	$47
Auto-Owners Insurance Co	$585	$49
USAA	$586	$49
Nationwide	$593	$49
Progressive	$602	$50
State Farm	$610	$51
Chubb	$669	$56
Farmers	$683	$57
Erie	$684	$57
Erie	$687	$57
Farmers	$715	$60
Cincinnati Insurance	$745	$62
USAA	$748	$62
Tennessee Farm Bureau	$781	$65
State Farm	$784	$65
Nationwide	$811	$68
GEICO	$814	$68
Westfield	$827	$69
Westfield	$834	$69
GEICO	$835	$70
Auto-Owners Insurance Co	$840	$70
Grange Insurance	$863	$72
Farmers	$864	$72
Travelers	$866	$72
Travelers	$873	$73
Nationwide	$878	$73
Tennessee Farm Bureau	$893	$74
Allstate	$896	$75
Chubb	$899	$75
Cincinnati Insurance	$919	$77
Erie	$920	$77
Grange Insurance	$938	$78
Allstate	$951	$79
Allstate	$965	$80
American National P&C	$1,004	$84
Chubb	$1,015	$85
Travelers	$1,016	$85
American National P&C	$1,027	$86
Nationwide	$1,043	$87
Grange Insurance	$1,044	$87
Westfield	$1,053	$88
GEICO	$1,061	$88
Progressive	$1,111	$93
Cincinnati Insurance	$1,161	$97
Progressive	$1,221	$102
Tennessee Farm Bureau	$1,231	$103
American National P&C	$1,293	$108
Chubb	$1,485	$124
Progressive	$1,580	$132

Best Car Insurance in Chattanooga for Customer Service

Based on our analysis, these companies will provide you with excellent service quality regardless of the cost.

Chubb: MoneyGeek rating of 76 out of 100 ($1,015 annually).

Cincinnati Insurance: MoneyGeek rating of 74 out of 100 ($919 annually).

You’ll pay more for the excellent service you get, however, Chubb has excellent satisfaction and claims management scores. Its policies are expensive.

pros

Outstanding score in managing claims.

Ranked highly in terms of customer satisfaction compared to other insurance companies.

Provides original equipment manufacturer (OEM) and reduced value protection.

cons

Has greater insurance costs than its rivals.

COMPANY HIGHLIGHTS

When you buy a policy, you will decide the value of your car. If your car is totaled or stolen, you will get a check for the diminished value coverage. If you get into an accident, Chubb will cover the cost of the original parts. You can get OEM coverages and value with Chubb. Chubb has great claims management and customer service.

Chubb, the company that handles and resolves customer complaints efficiently, demonstrates high management’s claim score. Additionally, based on customer satisfaction reports from J.D. Power, we also discovered that Chubb scored well.

Opting for this insurance provider will result in higher costs for exceptional service since Chubb does impose some of the most elevated premiums in the urban area.

How to Compare Cheap Chattanooga Car Insurance Quotes Online

You must spend at least 15 minutes to check online car insurance quotes from insurers. You are required to provide substantial personal information or an amount of information. Additionally,

You can determine the cost of your insurance by submitting your age, type of vehicle, driving history, and level of coverage. You can do this by using MoneyGeek’s car insurance calculator, which will help you save both effort and time.

Auto Insurance Calculator

Observe how the Average Yearly Car Insurance Premiums fluctuate based on the selected choices.

Cheapest Minimum Liability Car Insurance in Chattanooga

The most affordable insurance companies for basic coverage in Chattanooga, include:

Auto-Owners Insurance Company: $204 annually.

State Farm: $252 annually.

Demonstrating that prices can vary depending on where you are, the priciest insurance provider in Chattanooga is Nationwide, which demands approximately $524 annually. As of October 2022, Auto-Owners Insurance Co, one of the car insurance companies in Tennessee, provides the most economical protection for a basic insurance plan at $207, thereby making Chattanooga slightly more budget-friendly compared to other areas in the state.

Company	Annual Premium	Monthly Premium
Auto-Owners Insurance Co	$204	$17
Auto-Owners Insurance Co	$205	$17
State Farm	$237	$20
State Farm	$252	$21
Erie	$275	$23
Erie	$276	$23
Auto-Owners Insurance Co	$296	$25
Tennessee Farm Bureau	$298	$25
State Farm	$307	$26
Tennessee Farm Bureau	$312	$26
Cincinnati Insurance	$320	$27
Westfield	$359	$30
Erie	$367	$31
Farmers	$371	$31
Chubb	$373	$31
Cincinnati Insurance	$375	$31
GEICO	$379	$32
Farmers	$388	$32
Grange Insurance	$395	$33
Westfield	$396	$33
Grange Insurance	$403	$34
Chubb	$405	$34
Travelers	$410	$34
American National P&C	$410	$34
GEICO	$417	$35
Tennessee Farm Bureau	$421	$35
Westfield	$423	$35
Grange Insurance	$443	$37
Progressive	$451	$38
Travelers	$452	$38
Farmers	$454	$38
Travelers	$457	$38
Cincinnati Insurance	$469	$39
American National P&C	$472	$39
GEICO	$478	$40
Progressive	$485	$40
American National P&C	$494	$41
Nationwide	$510	$42
Allstate	$522	$43
Nationwide	$524	$44
Allstate	$528	$44
Auto-Owners Insurance Co	$552	$46
State Farm	$559	$47
Allstate	$562	$47
Auto-Owners Insurance Co	$585	$49
Nationwide	$593	$49
Progressive	$602	$50
State Farm	$610	$51
Chubb	$669	$56
Farmers	$683	$57
Erie	$684	$57
Erie	$687	$57
Farmers	$715	$60
Cincinnati Insurance	$745	$62
Tennessee Farm Bureau	$781	$65
State Farm	$784	$65
Nationwide	$811	$68
GEICO	$814	$68
Westfield	$827	$69
Westfield	$834	$69
GEICO	$835	$70
Auto-Owners Insurance Co	$840	$70
Grange Insurance	$863	$72
Farmers	$864	$72
Travelers	$866	$72
Travelers	$873	$73
Nationwide	$878	$73
Tennessee Farm Bureau	$893	$74
Allstate	$896	$75
Chubb	$899	$75
Cincinnati Insurance	$919	$77
Erie	$920	$77
Grange Insurance	$938	$78
Allstate	$951	$79
Allstate	$965	$80
American National P&C	$1,004	$84
Chubb	$1,015	$85
Travelers	$1,016	$85
American National P&C	$1,027	$86
Nationwide	$1,043	$87
Grange Insurance	$1,044	$87
Westfield	$1,053	$88
GEICO	$1,061	$88
Progressive	$1,111	$93
Cincinnati Insurance	$1,161	$97
Progressive	$1,221	$102
Tennessee Farm Bureau	$1,231	$103
American National P&C	$1,293	$108
Chubb	$1,485	$124
Progressive	$1,580	$132

According to Tennessee law, you must fulfill these prerequisites. The state of Tennessee mandates minimum insurance thresholds, encompassing bodily harm and property destruction.

$25,000 per person for bodily injury liability.

$50,000 per accident for bodily injury liability.

$15,000 liability for damages to property in each accident.

If you have the minimum coverage, every accident that causes injuries to a person will have medical expenses coverage of up to $50,000, and every person will have liability coverage of up to $25,000. This liability-only coverage includes auto insurance that covers injuries caused by you. You are liable for anything over this amount. This coverage-only liability insurance also includes coverage for damages caused by others.

Cheapest Car Insurance in Chattanooga for Teens and Their Families

When it comes to family policies for teenagers, these businesses provide the most competitive rates:

Across the country: $1,537 annually for males; $1,358 for females.

Farmers: $1,829 annually for males.

State Farm: $1,646 for women.

The priciest insurance plan for both males and females comes from Progressive, with an average cost of $3,020 and $2,774, respectively.

It is usually more expensive to insure young men since they are more prone to accidents. This emphasizes the price difference of $178 from Nationwide. The discrepancy tends to drop off in early adulthood.

Company	Family Plan Annual Premium	Individual Plan Monthly Premium
State Farm	$852	$1,757
Farmers	$873	$1,624
Farmers	$935	$1,813
Nationwide	$943	$1,722
Nationwide	$949	$1,842
State Farm	$955	$1,970
State Farm	$986	$1,996
Nationwide	$993	$2,402
Auto-Owners Insurance Co	$1,005	$2,757
State Farm	$1,006	$2,414
Auto-Owners Insurance Co	$1,016	$2,703
Travelers	$1,038	$1,741
Nationwide	$1,043	$1,905
Nationwide	$1,048	$2,770
State Farm	$1,048	$2,162
Auto-Owners Insurance Co	$1,067	$2,838
State Farm	$1,073	$2,624
Nationwide	$1,082	$2,268
Nationwide	$1,098	$2,005
Nationwide	$1,102	$2,139
Auto-Owners Insurance Co	$1,105	$3,030
Auto-Owners Insurance Co	$1,109	$3,255
Travelers	$1,119	$1,823
State Farm	$1,121	$2,270
Allstate	$1,129	$1,596
Auto-Owners Insurance Co	$1,129	$3,003
Nationwide	$1,138	$2,592
Allstate	$1,157	$1,610
Travelers	$1,160	$1,947
Auto-Owners Insurance Co	$1,165	$3,694
Nationwide	$1,166	$2,265
Travelers	$1,169	$2,145
State Farm	$1,190	$2,858
Allstate	$1,194	$2,142
Auto-Owners Insurance Co	$1,199	$4,087
Travelers	$1,200	$2,014
Auto-Owners Insurance Co	$1,204	$3,300
Allstate	$1,221	$1,727
State Farm	$1,238	$3,026
Farmers	$1,238	$1,394
State Farm	$1,238	$3,431
State Farm	$1,241	$2,514
GEICO	$1,246	$1,865
Auto-Owners Insurance Co	$1,256	$3,465
Farmers	$1,259	$1,418
Farmers	$1,267	$1,427
Allstate	$1,268	$2,382
Allstate	$1,269	$4,782
Nationwide	$1,269	$4,344
GEICO	$1,274	$1,925
Travelers	$1,274	$2,075
Nationwide	$1,277	$3,713
Farmers	$1,282	$1,538
Allstate	$1,284	$2,076
GEICO	$1,286	$1,925
GEICO	$1,297	$1,960
GEICO	$1,301	$2,715
Nationwide	$1,303	$3,150
Farmers	$1,303	$1,511
Travelers	$1,305	$2,328
Travelers	$1,314	$2,437
Allstate	$1,317	$1,833
Allstate	$1,319	$1,866
Farmers	$1,328	$1,540
State Farm	$1,330	$3,187
Farmers	$1,345	$5,854
GEICO	$1,345	$2,895
Farmers	$1,350	$1,565
Farmers	$1,352	$3,119
GEICO	$1,358	$2,032
Nationwide	$1,358	$4,801
Allstate	$1,364	$2,159
Travelers	$1,365	$2,223
Farmers	$1,366	$1,717
GEICO	$1,376	$2,418
GEICO	$1,383	$2,090
Auto-Owners Insurance Co	$1,386	$4,724
Auto-Owners Insurance Co	$1,394	$5,438
Auto-Owners Insurance Co	$1,394	$3,847
Allstate	$1,396	$2,505
Auto-Owners Insurance Co	$1,400	$4,273
Nationwide	$1,402	$4,801
Allstate	$1,408	$2,936
Farmers	$1,414	$3,358
GEICO	$1,417	$2,589
Farmers	$1,421	$6,342
State Farm	$1,428	$3,946
Allstate	$1,432	$1,994
Nationwide	$1,433	$5,537
Nationwide	$1,439	$4,781
Allstate	$1,450	$5,420
Nationwide	$1,463	$3,868
Farmers	$1,507	$2,803
Travelers	$1,515	$2,704
Travelers	$1,522	$2,715
Travelers	$1,525	$3,118
Allstate	$1,534	$3,255
Nationwide	$1,537	$6,144
Farmers	$1,564	$6,807
State Farm	$1,566	$4,317
State Farm	$1,568	$3,759
Farmers	$1,573	$3,049
Nationwide	$1,590	$6,144
Allstate	$1,601	$3,008
GEICO	$1,621	$3,931
State Farm	$1,638	$4,525
State Farm	$1,646	$5,169
Farmers	$1,659	$7,406
GEICO	$1,678	$3,501
Progressive	$1,691	$2,621
GEICO	$1,704	$4,290
Allstate	$1,713	$6,455
Travelers	$1,716	$3,923
Farmers	$1,725	$9,865
Allstate	$1,750	$8,550
Progressive	$1,768	$2,743
GEICO	$1,774	$3,817
GEICO	$1,777	$4,814
Travelers	$1,779	$3,173
Travelers	$1,792	$3,716
State Farm	$1,822	$4,957
Farmers	$1,829	$10,742
Allstate	$1,845	$8,208
Progressive	$1,881	$2,915
Allstate	$1,889	$7,058
Progressive	$1,913	$3,951
GEICO	$1,921	$5,278
Progressive	$1,937	$3,354
Progressive	$1,996	$3,097
Progressive	$2,011	$3,116
GEICO	$2,057	$5,573
Travelers	$2,085	$4,763
State Farm	$2,087	$5,677
State Farm	$2,097	$6,482
Travelers	$2,099	$4,799
Progressive	$2,111	$3,825
GEICO	$2,171	$7,257
Travelers	$2,174	$6,188
Progressive	$2,197	$4,655
Progressive	$2,214	$3,435
GEICO	$2,257	$6,200
Auto-Owners Insurance Co	$2,300	$6,174
Auto-Owners Insurance Co	$2,313	$8,081
GEICO	$2,336	$7,770
Progressive	$2,492	$6,164
Auto-Owners Insurance Co	$2,505	$7,231
Auto-Owners Insurance Co	$2,522	$6,769
Progressive	$2,581	$5,331
Auto-Owners Insurance Co	$2,582	$9,952
Auto-Owners Insurance Co	$2,582	$9,021
Travelers	$2,605	$5,953
Progressive	$2,606	$12,838
Travelers	$2,710	$7,858
Progressive	$2,774	$13,186
Progressive	$2,849	$7,222
Progressive	$2,889	$14,638
Progressive	$2,940	$6,229
Progressive	$3,020	$14,650
Progressive	$3,039	$14,972
Progressive	$3,278	$16,609

Prior to purchasing a policy, it is advisable to explore various options for the most affordable insurance for teenage drivers. In Chattanooga, male teenagers who opt for their own policies instead of being added to their parent’s policy will incur an additional cost of approximately $2,890. If you acquire an individual policy as a teenager, you can expect to pay a higher premium.

Best Cheap Car Insurance Companies in Chattanooga

As per MoneyGeek, these companies excel compared to other insurance providers in terms of affordability and quality of service.

Auto-Owners Insurance Co: MoneyGeek rating of 84 out of 100 ($204 annually).

Erie: MoneyGeek rating of 75 out of 100 ($276 per annum).

They don’t cover vehicle damage or liability expenses out of pocket, but they could mean paying up in the end. However, policies with minimum coverage in Chattanooga are cheaper.

pros

A reasonably priced minimum coverage plan typically has a price tag of approximately $204 annually.

Provides package deals, daytime running lamps, and discounts for responsible payments.

cons

Does not perform well in terms of claims handling.

There is no discount for defensive driving.

COMPANY HIGHLIGHTS

Auto-Owners Insurance Co received the highest scores for financial stability and affordability. The insurer has high customer satisfaction scores, indicating that very few people have had negative experiences with the insurer.

Auto-Owners Insurance Co offers discounts on various insurance packages, as well as discounts for those who take a defensive driving course and install an anti-theft system. Additionally, they provide discounts for daytime running lights, electronic tracking devices, and window glass etching.

Most other insurance companies typically do not provide these discounts. If you combine your automobile insurance with a life insurance plan, you have the opportunity to receive a reduction in cost. Moreover, Auto-Owners Insurance Co, which is known for its distinctive discounts, offers a responsible payments discount to policyholders who consistently make timely premium payments for a period of 36 months.

Check out MoneyGeek’s Auto-Owners Insurance Auto Insurance Review.

Best Overall Car Insurance in Chattanooga

Based on our analysis, these are the leading auto insurance companies in Chattanooga that provide a harmonious combination of reasonable prices and excellent service quality.

Auto-Owners Insurance Co: MoneyGeek rating of 82 out of 100 ($585 annually).

Erie: MoneyGeek rating of 78 out of 100 ($687 annually).

In general, an exceptional insurance provider ought to be a company that achieved remarkable ratings in terms of the variety of coverage options and reasonable prices, and Auto-Owners Insurance Co accomplished exactly that. According to our evaluations, USAA obtained a score of 84 out of 100, making it a worthwhile consideration for military families.

pros

Well-known for its affordability.

Excellent rating for insurance plan choices.

Offers accident forgiveness, deductible adjustment, and coverage for diminished value.

cons

No coverage for replacing a new car.

COMPANY HIGHLIGHTS

With its distinctive coverage choices and exceptional customer contentment along with affordability, Auto-Owners Insurance Co distinguishes itself from its rivals.

This is a rare coverage offer that most insurers do not provide. If your car’s value declines after an accident, this coverage ensures that you don’t lose money. Co Insurance Auto-Owners guarantees that your deductible will be waived if you are involved in another accident. With the modification of your deductible, your rates won’t go up after your first accident. Additionally, if you have purchased accident forgiveness, your rates won’t increase if you get into an accident.

With Auto-Owners Insurance Co, you can anticipate a seamless experience when it comes to addressing concerns, providing feedback, and filing claims due to their excellent customer satisfaction rating. Moreover, the fact that they meet their financial responsibilities demonstrates their exceptional stability.

Check out MoneyGeek’s Auto-Owners Insurance Auto Insurance Review.

Cheapest Full Coverage Car Insurance in Chattanooga

Auto-Owners Insurance Company: $585 annually.

State Farm: $610 annually.

The average premium in Chattanooga, which demonstrates the influence of location on insurance costs, is lower compared to State Farm’s most inexpensive comprehensive coverage policy, which averages $576 annually in Tennessee as of October 2022. Conversely, Progressive boasts the highest rates in the city, averaging $1,221.

Company	Annual Premium	Monthly Premium
Auto-Owners Insurance Co	$204	$17
Auto-Owners Insurance Co	$205	$17
State Farm	$237	$20
State Farm	$252	$21
Erie	$275	$23
Erie	$276	$23
Auto-Owners Insurance Co	$296	$25
Tennessee Farm Bureau	$298	$25
State Farm	$307	$26
Tennessee Farm Bureau	$312	$26
Cincinnati Insurance	$320	$27
Westfield	$359	$30
Erie	$367	$31
Farmers	$371	$31
Chubb	$373	$31
Cincinnati Insurance	$375	$31
GEICO	$379	$32
Farmers	$388	$32
Grange Insurance	$395	$33
Westfield	$396	$33
Grange Insurance	$403	$34
Chubb	$405	$34
Travelers	$410	$34
American National P&C	$410	$34
GEICO	$417	$35
Tennessee Farm Bureau	$421	$35
Westfield	$423	$35
Grange Insurance	$443	$37
Progressive	$451	$38
Travelers	$452	$38
Farmers	$454	$38
Travelers	$457	$38
Cincinnati Insurance	$469	$39
American National P&C	$472	$39
GEICO	$478	$40
Progressive	$485	$40
American National P&C	$494	$41
Nationwide	$510	$42
Allstate	$522	$43
Nationwide	$524	$44
Allstate	$528	$44
Auto-Owners Insurance Co	$552	$46
State Farm	$559	$47
Allstate	$562	$47
Auto-Owners Insurance Co	$585	$49
Nationwide	$593	$49
Progressive	$602	$50
State Farm	$610	$51
Chubb	$669	$56
Farmers	$683	$57
Erie	$684	$57
Erie	$687	$57
Farmers	$715	$60
Cincinnati Insurance	$745	$62
Tennessee Farm Bureau	$781	$65
State Farm	$784	$65
Nationwide	$811	$68
GEICO	$814	$68
Westfield	$827	$69
Westfield	$834	$69
GEICO	$835	$70
Auto-Owners Insurance Co	$840	$70
Grange Insurance	$863	$72
Farmers	$864	$72
Travelers	$866	$72
Travelers	$873	$73
Nationwide	$878	$73
Tennessee Farm Bureau	$893	$74
Allstate	$896	$75
Chubb	$899	$75
Cincinnati Insurance	$919	$77
Erie	$920	$77
Grange Insurance	$938	$78
Allstate	$951	$79
Allstate	$965	$80
American National P&C	$1,004	$84
Chubb	$1,015	$85
Travelers	$1,016	$85
American National P&C	$1,027	$86
Nationwide	$1,043	$87
Grange Insurance	$1,044	$87
Westfield	$1,053	$88
GEICO	$1,061	$88
Progressive	$1,111	$93
Cincinnati Insurance	$1,161	$97
Progressive	$1,221	$102
Tennessee Farm Bureau	$1,231	$103
American National P&C	$1,293	$108
Chubb	$1,485	$124
Progressive	$1,580	$132

Full coverage policies typically include comprehensive and collision protections.

Collision Coverage: This will cover the expense of repairing or substituting your vehicle in case of a collision.

Full Coverage Insurance: This includes repairs or replacements of your car if you are responsible for an incident.

If you possess an older vehicle, the worth of your car might surpass the policy’s expense, making this particular policy less than ideal.

Average Cost of Car Insurance in Chattanooga

One factor that impacts the cost of your car insurance is location. The average car insurance costs in Chattanooga, Tennessee are less than the national average, with an annual cost of $858, which is less than $41 per month.

The average cost for a full policy coverage is $300,000 per property damage liability, $100,000 per bodily injury liability, and $300,000 per bodily injury liability in case of an accident.

Regarding Mark Fitzpatrick.

Mark Fitzpatrick headshot

Mark Fitzpatrick, a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, has been quoted in several publications including Mashable, NBC News, and CNBC. He can create personalized content and conduct original research for every buyer.

Mark, who earned a bachelor’s degree from Boston College and a master’s degree in International Relations and Economics from Johns Hopkins University, is passionate about using his knowledge in insurance and economics to bring transparency and help others feel confident about financial matters.