In Chattanooga, the average cost for full coverage car insurance is $94 per month. Rates range from $90 to $311, depending on driver details and vehicle type. The table below includes average premiums for various driver profiles to help drivers understand potential costs.
Chattanooga, TN, Car Insurance
Updated: January 14, 2025
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Cheapest Car Insurance in Chattanooga: Key Takeaways
Chattanooga's cheapest car insurance companies include Westfield, Travelers, State Farm, Auto-Owners and Tennessee Farm Bureau.
Westfield offers the cheapest minimum coverage at $30 per month, while Travelers has the most affordable full coverage at $64 per month.
On average, car insurance costs $41 per month for minimum coverage and $94 for full coverage.
Car Insurance Quotes in Chattanooga, TN
| Young Drivers | $52 | $121 |
| Teens | No Data | $311 |
| Seniors | $43 | $90 |
| Drivers With a Speeding Ticket | $51 | $114 |
| Drivers With a DUI | $79 | $177 |
| Drivers With An Accident | $63 | $142 |
| Bad Credit | $71 | $165 |
Because insurers calculate premiums differently, you'll need to get quotes from multiple providers for the most accurate estimate.
Chattanooga vs. State Average
Tennessee
State Average Full Coverage Rate
$1,151
Chattanooga, TN
City Average Full Coverage Rate
$1,132More:$19 saved
This is 2% less expensive.
What Is the Average Car Insurance Rate in Chattanooga?
In Chattanooga, the average cost for full coverage car insurance is $1,132 per year, while the state minimum coverage costs $495 annually. These rates are lower for full coverage but slightly higher for state minimum compared to Tennessee's averages of $1,151 and $486, respectively.
| State Average | $486 | $1,151 |
| Chattanooga Average | $495 | $1,132 |
Cheapest Car Insurance Companies in Chattanooga
Premiums might be rising, but you can still find affordable car insurance in Chattanooga. Westfield offers the cheapest minimum coverage at $30 per month. For full coverage, Travelers provides the best rate at $64 per month.
Cheap Car Insurance in Chattanooga
Westfield often provides the cheapest minimum coverage, but rates vary per driver. To find the most affordable car insurance, gather quotes from several providers. Below is a table showing the cheapest rates for various driver profiles.
| Westfield | Minimum Coverage | $30 |
| Travelers | Full Coverage | $64 |
| State Farm | Teens | $177 |
| Travelers | Young Adults | $56 |
| Auto-Owners Insurance Co | Seniors | $49 |
| Tennessee Farm Bureau | Bad Credit | $68 |
| Travelers | Drivers With a DUI | $77 |
| Tennessee Farm Bureau | Drivers With An Accident | $59 |
| Tennessee Farm Bureau | Drivers With a Speeding Ticket | $59 |
Car Insurance Rates in Chattanooga by Company
To get the most affordable car insurance in Chattanooga, you must compare rates from various companies. Below, we detail the costs for minimum coverage and full coverage plans, helping you find the best deal.
Cheapest Car Insurance Companies for Minimum Coverage in Chattanooga
Westfield offers the cheapest minimum coverage auto insurance at $30 per month. Auto-Owners follows closely. See the breakdown of the cheapest options in the table below.
| Westfield | $30 | $12 |
| Auto-Owners Insurance Co | $30 | $11 |
| Travelers | $32 | $9 |
| Tennessee Farm Bureau | $32 | $9 |
| Erie | $37 | $5 |
| Cincinnati Insurance | $38 | $4 |
| Progressive | $40 | $1 |
Cheapest Car Insurance Companies for Full Coverage in Chattanooga
Travelers offers the cheapest full coverage car insurance in Chattanooga at $64 per month. Below is the full list of providers and their rates.
| Auto-Owners Insurance Co | $71 | $23 |
| Erie | $84 | $10 |
| Farmers | $82 | $12 |
| Grange Insurance | $94 | $1 |
| Tennessee Farm Bureau | $85 | $9 |
| Travelers | $64 | $30 |
| Westfield | $92 | $2 |
Car Insurance Companies in Chattanooga
Travelers offers the cheapest annual rate at $576. Westfield stands out as the best affordable provider with a MoneyGeek score of 80. Check the table below for more options to explore in your search.
| Westfield | 82 | $650 |
| Auto-Owners Insurance Co | 79 | $607 |
| Chubb | 77 | $867 |
| Cincinnati Insurance | 77 | $813 |
| Erie | 77 | $646 |
| Travelers | 67 | $576 |
| American National P&C | 65 | $921 |
| Farmers | 60 | $708 |
| Grange Insurance | 59 | $831 |
| State Farm | 58 | $881 |
| Nationwide | 55 | $958 |
| Progressive | 52 | $988 |
| GEICO | 51 | $870 |
| Allstate | 49 | $977 |
| Tennessee Farm Bureau | No Data | $707 |
*Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in Chattanooga by Age
Middle-aged drivers and younger seniors have the lowest car insurance rates, with pricing of $1,132 per year for 40-year-olds and $1,076 annually for 65-year-olds. The table below shows average costs for drivers aged 16 to 65.
| 16 | $2,129 | $-509 |
| 17 | $2,124 | $-504 |
| 18 | $1,815 | $-196 |
| 19 | $1,625 | $-6 |
| 20 | $1,669 | $-50 |
| 21 | $1,297 | $323 |
| 22 | $1,332 | $287 |
| 23 | $1,362 | $258 |
| 24 | $1,273 | $346 |
| 25 | $1,448 | $-211 |
| 40 | $1,132 | $105 |
| 65 | $1,076 | $161 |
Cheapest Car Insurance for Teens in Chattanooga
Nationwide offers the cheapest overall car insurance for teens in Chattanooga, with full coverage at $118 per month. This saves $43 compared to the average state cost. The table below also breaks down some of the most affordable providers in the city for this age group.
| Nationwide | $118 | $43 | $277 |
| Farmers | $128 | $32 | $349 |
| Allstate | $134 | $26 | $315 |
| State Farm | $141 | $19 | $177 |
| GEICO | $165 | $-5 | $278 |
| Travelers | $174 | $-14 | $266 |
| Auto-Owners Insurance Co | $183 | $-23 | $192 |
| Progressive | $239 | $-79 | $635 |
*Rates reflect 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.
Best Car Insurance Rates for Young Drivers in Chattanooga
Westfield offers the cheapest state minimum coverage for young drivers in Chattanooga at $35 per month. Travelers provides the most affordable full coverage at $76 per month. Check the table below to see which providers offer the cheapest rates for different young driver profiles.
| Westfield | Minimum Coverage | $33 |
| Travelers | Full Coverage | $76 |
| Travelers | Bad Credit | $92 |
| Travelers | Drivers With a DUI | $82 |
| Travelers | Drivers With An Accident | $75 |
| Travelers | Drivers With a Speeding Ticket | $72 |
Cheapest Car Insurance Companies for Young Drivers in Chattanooga
Travelers offers the most affordable auto insurance for young drivers at $56 per month. The table below shows other companies with competitive rates.
| Travelers | $56 | $30 |
| Auto-Owners Insurance Co | $73 | $14 |
| Westfield | $78 | $9 |
| Farmers | $78 | $9 |
| Grange Insurance | $79 | $8 |
| Tennessee Farm Bureau | $81 | $6 |
| Erie | $82 | $5 |
| Allstate | $85 | $2 |
*Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Best Car Insurance Rates for Seniors in Chattanooga
Auto-Owners and Tennessee Farm Bureau offer the cheapest car insurance in Chattanooga. Rates vary based on personal factors. The table below shows the cheapest providers for different driver and coverage profiles.
| Auto-Owners Insurance Co | Minimum Coverage | $30 |
| Travelers | Full Coverage | $66 |
| Tennessee Farm Bureau | Bad Credit | $61 |
| State Farm | Drivers With a DUI | $74 |
| Tennessee Farm Bureau | Drivers With An Accident | $53 |
| Tennessee Farm Bureau | Drivers With a Speeding Ticket | $53 |
Cheapest Car Insurance for Seniors in Chattanooga
Auto-Owners offers the cheapest monthly premium for seniors at $49 for both minimum and full coverage. Travelers follows closely with a rate of $51 per month. The table below shows more top car insurance providers for seniors in Chattanooga.
| Auto-Owners Insurance Co | $49 | $17 |
| Travelers | $51 | $16 |
| Tennessee Farm Bureau | $53 | $13 |
| Cincinnati Insurance | $56 | $10 |
| Erie | $61 | $6 |
| Westfield | $61 | $5 |
| Farmers | $63 | $3 |
| Chubb | $65 | $1 |
*Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Car Insurance Cost for High-Risk Drivers in Chattanooga
In Chattanooga, insurance rates for both minimum coverage and full coverage are lower than the state average. Drivers with bad credit and DUIs tend to pay the most for car insurance. In contrast, accidents and speeding tickets generally have a smaller impact on insurance costs.
| State Average | $757 | $1,754 |
| Chattanooga Average | $773 | $1,733 |
DRIVING OFFENSES AFFECT RATES FOR A LIMITED TIME ONLY
Most minor driving incidents, like a not-at-fault accident or speeding ticket in Chattanooga, are considered by insurers for three to five years. For more serious offenses, such as a DUI, insurers may take account for up to ten years, and you might need to file an SR-22 to meet your state's minimum coverage requirements.
Cheapest Auto Insurance Rates With a DUI in Chattanooga
Progressive offers the cheapest minimum coverage for drivers with a DUI at $542 per year in Chattanooga. Travelers provides the most affordable full coverage policy, costing $1,247 annually. Check out the table below to see more options for low-cost coverage.
| Travelers | $49 | $104 |
| State Farm | $48 | $113 |
| Erie | $62 | $136 |
| Tennessee Farm Bureau | $51 | $136 |
| Progressive | $45 | $139 |
*Rates are for a 40-year-old driver with good credit and a DUI.
Cheapest Auto Insurance Rates With an Accident in Chattanooga
Tennessee Farm Bureau, Travelers and Erie offer the cheapest auto insurance after an at-fault accident in Chattanooga. The table below shows various providers offering affordable coverage.
| Tennessee Farm Bureau | $32 | $85 |
| Travelers | $45 | $94 |
| Erie | $50 | $112 |
| State Farm | $53 | $123 |
| Westfield | $51 | $140 |
*Rates are for a 40-year-old driver with good credit and an at-fault accident.
Cheapest Auto Insurance Rates With a Speeding Ticket in Chattanooga
Tennessee Farm Bureau is the cheapest car insurance provider for drivers with a speeding ticket in Chattanooga, offering rates of $32 for minimum coverage and $85 for full coverage. The table below shows how much other providers charge drivers with speeding tickets.
| Tennessee Farm Bureau | $32 | $85 |
| Erie | $38 | $88 |
| Travelers | $42 | $90 |
| Auto-Owners Insurance Co | $43 | $102 |
| Westfield | $36 | $111 |
*Rates are for a 40-year-old driver with good credit and a speeding ticket.
Cheapest Car Insurance for Bad Credit in Chattanooga
Tennessee Farm Bureau offers the most affordable rates for drivers with bad credit, with $37 for minimum coverage and $99 for full coverage. See the table below to find other affordable options.
| Tennessee Farm Bureau | $37 | $99 |
| Travelers | $52 | $108 |
| Grange Insurance | $59 | $122 |
| Westfield | $55 | $166 |
| Progressive | $63 | $208 |
*Rates are for a 40-year-old driver with bad credit and no driving violations.
Minimum Car Insurance Requirements in Chattanooga, TN
In Tennessee, each city follows statewide mandates for car insurance minimums. Here's what your policy needs at a minimum:
- $25,000 for bodily injury liability per person
- $50,000 for bodily injury liability per accident
- $25,000 for property damage liability per accident
For example, if you're in a car accident, your policy covers up to $25,000 for injuries per person and $50,000 per accident, ensuring financial protection.
Cheap Car Insurance in Chattanooga: Bottom Line
For affordable car insurance in Chattanooga, Westfield and Auto-Owners lead with minimum coverage at just $30 a month, and Travelers offers full coverage at a low $64. No matter your age or credit, you'll find providers with deals that fit your wallet. Just make sure your policy covers Tennessee's basics: bodily injury and property damage. Compare quotes to get the best price without giving up the protection you need by law.
Chattanooga Auto Insurance: FAQ
We answer common questions about finding the cheapest and best car insurance options in Chattanooga.
What is the cheapest car insurance company in Chattanooga, TN?
Westfield and Auto-Owners offer the most affordable car insurance in Chattanooga, with rates as low as $30 for state minimum coverage.
What is the best car insurance company in Chattanooga, TN?
The best car insurance provider in Chattanooga is Westfield, with a MoneyGeek score of 82 out of 100. State minimum coverage costs around $650 annually.
How much does car insurance cost on average in Chattanooga, TN?
Minimum coverage car insurance costs range from $43 to $79 per month in Chattanooga.
Best Cheap Car Insurance in Chattanooga: Our Methodology
MoneyGeek conducted an analysis of Chattanooga auto insurance prices using data from the Tennessee Department of Insurance and Financial Services and Quadrant Information Services.
Chattanooga Driver Profile
To assess the best and most affordable auto insurance options for Chattanooga residents, MoneyGeek used the following sample driver profile:
- 40-year-old male
- Clean driving history
- 2012 Toyota Camry LE
- 12,000 miles driven per year
By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.
Coverage Levels in Chattanooga
In assessing the car insurance quotes for Chattanooga, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to Tennessee's mandated liability insurance parameters:
The minimum coverage requirements in Tennessee are:
- $25,000 for bodily injury liability per person
- $50,000 for bodily injury liability per accident
- $25,000 for property damage liability per accident
To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- Comprehensive and collision coverage with a deductible of $1,000
MoneyGeek’s Scoring System
MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.
Insurers received scores as indicated below, with a total possible score of 100 points:
- General customer satisfaction (up to 35 points)
- Affordability (up to 30 points)
- Claims experience (up to 20 points)
- Essential coverages (up to 10 points)
- Financial stability (up to five points)
MoneyGeek’s Sources
To gauge rates and assess the best service experiences among Tennessee providers, MoneyGeek utilized six sources:
- Quadrant Information Services provided actual policy quotes in Chattanooga
- J.D. Power's studies and the NAIC index contributed to the assessment of customer service
- Claims experience metrics came from J.D. Power and the CRASH Network’s report card
- AM Best and Demotech offered financial stability insights through their ratings
MoneyGeek gathered 50,284 quotes for the average driver across various ages, driving a Toyota Camry with a clean record. Our study evaluated 14 insurance companies in Chattanooga.
For more details on our evaluation process, see MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a 5-time Jeopardy champion!
He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.