Chattanooga Auto Insurance Rates, Quotes, Agents & Reviews in TN

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.

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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.



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 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.
Erie Insurance
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.
Safeco Insurance
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.
State Farm
My experience with their customer service is always great. They treat me with respect and always have all the answers! Recommended!
Safeco Insurance
Rates are fair compared to the other insurance companies I have used in the past
Shelter Insurance
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
Shelter Insurance
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
State Farm
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.
National General
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.
State Farm
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.
Mapfre Insurance
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.
Encompass Insurance
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.