Chattanooga, TN Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Chattanooga, TN, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Factors Influencing the Cost of Auto Insurance in Chattanooga, TN
The average cost of auto insurance in Chattanooga, TN, is $1,092. This is much lower than the average cost of auto insurance in neighboring places such as Hamilton County, Ridgeside, Red Bank, Rossville, and East Ridge. Car owners need to compare multiple car insurance quotes before arriving at one that best suits their coverage needs. The savings a driver can garner in Chattanooga depends on numerous factors ranging from the make and model of the car to the deductible rate. Zimlon explores several of these factors below.
Deductibles:
The rate of the deductible is one of the most common factors affecting the cost of auto insurance in Chattanooga. A low deductible tends to increase the cost of auto insurance, while a high deductible decreases it. For instance, in Chattanooga, the cost of auto insurance for a low deductible, say $500, is $1,361, while it is $1,149, against a higher deductible of $1,000.
Age of the Driver:
The age of the driver is another factor that affects the cost of auto insurance. Younger car owners end up spending more on auto insurance because of their lack of driving experience. With an increase in experience, the cost of auto insurance decreases. As the above infographic indicates, the cost of auto insurance for teenagers in Chattanooga is $3,543. In contrast, it is lowest for car owners in their fifties and sixties. The former pays $963 on an average, while the latter pays $976.
Driving Record:
A poor driving record can also lead to a massive increase in auto insurance costs for car owners in Chattanooga. Post-DUI, the cost of auto increase rises to $1,956. Other major driving violations can also cause a massive increase in rates. Driving with an expired license can increase auto insurance by $736 while speeding and running a red light can increase the cost of auto insurance by $268 and $254, respectively.
Being a safe driver has its benefits since the amount of risk being covered by the insurer is less when the driver does not have too many violations.
Credit Score:
Having an “average” or “poor” credit score can also lead to a massive increase in auto insurance premiums for drivers in Chattanooga. The cost of auto insurance for drivers with an “average” credit score is $1,485 and $1,781 for drivers with a “poor” credit score.
Factors that can influence the cost of car insurance in Chattanooga, TN are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Chattanooga, TN Auto Insurance Rates
- Chattanooga, TN Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Chattanooga, TN
- Multi Vehicle Insurance Savings in Chattanooga, TN
- How Credit Score Affects Car Insurance Rates in Chattanooga, TN
- How DUI Affects Auto Insurance Premiums in Chattanooga, TN
- Top Auto Insurance Agents Near Chattanooga, TN
- How Driving Violations Affect Auto Insurance Rates in Chattanooga, TN
- Chattanooga, TN Auto Insurance Discounts on Anti Theft Feature
- Chattanooga, TN Auto Insurance Company Reviews
Chattanooga, TN Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Chattanooga, TN with that of other cities in and around Chattanooga.
Chattanooga | Red Bank | Hamilton County | Ridgeside | Rossville | East Ridge | |
---|---|---|---|---|---|---|
Average Insurance Rates | $1,092 | $1,436 | $1,313 | $1,573 | $1,558 | $1,424 |
Chattanooga, TN Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Chattanooga, TN based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
Location | Low Deductible ($500) | High Deductible ($1000) |
---|---|---|
Chattanooga | $1,361 | $1,149 |
Ridgeside | $1,552 | $1,311 |
Red Bank | $1,977 | $1,670 |
East Ridge | $1,628 | $1,375 |
Lakeview | $1,928 | $1,629 |
Rossville | $1,464 | $1,236 |
Hamilton County | $1,309 | $1,106 |
Harrison | $1,097 | $927 |
Chattanooga, TN Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Chattanooga, TN usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
Age of Driver | Insurance Cost |
---|---|
Teens | $3,543 |
20 Years | $1,403 |
30 Years | $1,081 |
40 Years | $1,040 |
50 Years | $963 |
60 Years | $976 |
70 Years | $1,136 |
Chattanooga, TN Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Chattanooga, TN can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
Number of Cars | Auto Insurance Cost | Total Savings |
---|---|---|
2 Vehicles | $1,922 | $262 |
3 Vehicles | $2,883 | $393 |
4 Vehicles | $3,844 | $524 |
Savings on 2 Vehicles bundle:$262
Savings on 3 Vehicles bundle:$393
Savings on 4 Vehicles bundle:$524
Chattanooga, TN Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Chattanooga, TN.
Location | Average Insurance Cost | Post DUI Insurance Rate |
---|---|---|
Chattanooga | $1,092 | $1,956 |
Ridgeside | $1,573 | $2,818 |
Red Bank | $1,436 | $2,573 |
East Ridge | $1,424 | $2,551 |
Lakeview | $1,562 | $2,856 |
Rossville | $1,558 | $2,848 |
Hamilton County | $1,313 | $2,352 |
Harrison | $1,456 | $2,608 |
Chattanooga, TN Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
Credit Score | Insurance Cost |
---|---|
Exceptional (800-850) | $937 |
Excellent (740-799) | $1,069 |
Good (670-739) | $1,138 |
Average (580-669) | $1,485 |
Poor (300-579) | $1,781 |
Chattanooga, TN Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
Agent Name | Company | Agent Address | Contact Details |
---|---|---|---|
Stevens Insurance Associates, Llc | None | 6400 Lee Hwy Suite 107, Chattanooga, 37421 | None |
Mark Massingill | Nationwide | 16 W 8TH ST, Chattanooga, 37402 | (423) 877-1234 |
Esther Suggs | Allstate | 6325 E Brainerd Rd, Chattanooga, 37421 | (423) 855-0334 |
Dusty Mcintyre | Liberty Mutual | 1206 Pointe Center Drive Suite 170, Chattanooga, 37421 | 1-423-894-1237 |
River City Insurance | Erie | 3320 DAYTON BLVD, CHATTANOOGA, 37415 | 423-843-2552 |
Jonathan Hunter | Farmers | 6441 Bonny Oaks Dr Ste B, Chattanooga, 37416 | (423) 490-9200 |
John Ballinger | Farmers | 6801 Harrison Park Dr, Harrison, 37341 | (423) 344-3114 |
Total Insurance Solutions | Travelers | 400 SOUTH MOORE RD STE C, CHATTANOOGA, 37412 | 423-894-1295 |
Robinson Insurance Services | Travelers | 122 LEE PARKWAY STE 304, CHATTANOOGA, 37421 | 423-702-5628 |
Sunbelt Insurance Group Inc | Travelers | 114 LEE PKWY, CHATTANOOGA, 37422 | 423-855-1234 |
Dickey Mccay Insurance Inc. | Travelers | 146 Ocoee Street, Copperhill, 37317 | (423) 496-3366 |
First Horizon Insurance Group, Inc. | None | 701 Market St Ste 500, Chattanooga, 37402 | None |
Chattanooga, TN Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
Driving Violation | Cost Increase | Total Insurance Cost |
---|---|---|
Driving Without Headlights | +$48 | $1,140 |
Driver's Failure In Showing Documents | +$106 | $1,198 |
Driving With An Expired Registration | +$112 | $1,204 |
Driving At A Considerably Slow Pace | +$237 | $1,329 |
Using A Cellphone While Driving | +$250 | $1,342 |
Running A Red Light | +$254 | $1,346 |
Speeding | +$268 | $1,360 |
Driving A Vehicle Without The Required Permission | +$340 | $1,432 |
Driving With An Expired/Suspended License | +$736 | $1,828 |
Chattanooga, TN Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
Anti Theft Feature | Insurance Cost |
---|---|
Audible Alarm | $1,048 |
Active Disabling Device | $1,048 |
Tracking Device | $1,026 |
Passive Disabling Device | $1,016 |
Latest Auto Insurance Reviews in Chattanooga, TN | Back to Top
They company has a difficult time in speaking to their customer service, but has online version of their customer service which makes it convenient.
this company is one of the most affordable policies for my history and needs. The policies available were a great selection. Many options to choose from.
My car insurance policy is similar to other policies. I have not done a lot of comparison shopping as I have been happy with Erie and their customer service.
The insurance I have seems very expensive for a retire who doesn't really travel anywhere and doesn't drive to work on a daily basis.
Progressive has competitive rates. We do not pay that much at all for two newer vehicles. They even give you a discount for lots of different things.
My experience with their customer service is always great. They treat me with respect and always have all the answers! Recommended!
Rates are fair compared to the other insurance companies I have used in the past
my insurance company is good,they have always made sure i get what i need.i am happy with there service,the premium is just right for me
my insurance company is good,they have always made sure i get what i need.i am happy with there service,the premium is just right for me
I found the rates the best with State Farm when bundling with my home insurance. I am going with a 1 to rate my insurance, I am very satisfied with the agents and the price.
When I did the comparison when shopping for Home insurance National General was not the cheapest company but I get to have a single point of contact when filing a claim.
We have shopped for insurance lately and State farm is the most affordable for the most amount of coverage as compared to 4 of its peers.
The thing I like the most about this company is the local agents and how nice everyone is to work with. I have used another agent in a different state and they were just as nice.
My interactions with customer support have been good. We did have an issue early on with them not sending my bank some information, but they cleared it up quickly.