Best cheap car insurance in Chattanooga for 2025

The best car insurance companies in Chattanooga

When searching for the best car insurance companies in Chattanooga, it's important to consider various factors beyond just price. Bankrate’s insurance editorial team analyzed premium data from Quadrant Information Services to find the most affordable options, while also evaluating providers based on the Bankrate Score. This proprietary score combines average rates with other aspects like coverage features, potential discounts, digital tools and third-party insights on financial strength and customer satisfaction. Here's a closer look at some of the best car insurance companies in the city to help you find the right fit.

The cheapest car insurance companies in Chattanooga

Chattanooga's scenic location near the Appalachian Mountains, its growing population and its central transportation hubs often contribute to the insurance needs of its residents. The city's diverse roadways and frequent rain showers can impact driving conditions, making it essential for drivers to find affordable car insurance that suits their needs. Fortunately, with careful comparison of rates, discounts and policy features, you can usually identify the best value for your situation. Below you’ll find the cheapest car insurance companies in Chattanooga based on minimum coverage pricing:

How much is car insurance in Chattanooga, Tennessee?

Chattanooga drivers typically pay around $508 annually for minimum coverage, which is 0 percent more than Tennessee's state average. For full coverage, drivers usually pay approximately $1,921 per year, which is also 4 percent less than the state's average. Here’s a look at some of the best cheap car insurance companies across various demographics in Chattanooga to help you start your search for the right policy.

Chattanooga rates for teens

Teen drivers in Chattanooga often face higher car insurance premiums due to their limited driving experience, which could increase the likelihood of accidents. To help minimize these costs, many parents choose to add their teenagers to their existing policies. This approach typically offers better rates than securing separate policies, thanks to multi-car discounts and other potential savings. Comparing quotes and seeking discounts for good grades or safe driving may help families manage the costs of insuring young drivers.

Chattanooga rates for young drivers

Young drivers in Chattanooga often pay significantly higher premiums compared to older, more experienced drivers. With limited driving histories and potentially higher risk profiles, young drivers could face challenges finding affordable rates. However, options like telematics-based programs that reward safe driving habits, bundling policies and seeking out companies with good student discounts might help young adults reduce their costs. Taking the time to shop around and compare rates from different insurers could also make a significant difference in finding the most budget-friendly option.

The rates you’ll see in the tables below are for young drivers on their own policy.

Chattanooga rates for adults

Adult drivers in Chattanooga generally have more stable insurance premiums than younger drivers, as their longer driving histories often lead to more favorable rates. However, factors like driving records, credit scores and vehicle types may still impact overall costs. To secure affordable coverage, adults should consider seeking out potential discounts for safe driving, bundling policies or opting for higher deductibles. Additionally, reviewing policy needs periodically and comparing rates across different insurers can help ensure that adult drivers continue to receive competitive pricing as their circumstances evolve.

Chattanooga rates for senior drivers

Senior drivers in Chattanooga, particularly those in their 60s and 70s, might notice changes in their car insurance rates as they age. While rates for this age group tend to be lower than for younger drivers due to their wealth of driving experience, some seniors could see increases in premiums because of age-related factors that may affect their driving abilities. To counter these potential increases, senior drivers can look for discounts aimed at their demographic, such as safe driving or defensive driving course discounts.

The cheapest car insurance in Chattanooga by driving record

A driver's record is likely one of the most influential factors affecting car insurance rates in Chattanooga. Drivers with clean records often enjoy lower premiums due to their reduced risk profile. However, those with violations like speeding tickets, at-fault accidents or DUIs could see substantial increases in their premiums. Fortunately, many insurance providers offer discounts and programs for safe driving or accident forgiveness that could help mitigate some of the cost. Exploring quotes from various insurers and leveraging available discounts are practical ways to find the cheapest car insurance in Chattanooga based on your driving history.

Car insurance with a speeding ticket in Chattanooga

Drivers in Chattanooga who receive a speeding ticket will likely notice an increase in their car insurance premiums, as this violation typically signals a higher risk to insurers. Rates are 4 percent less following a ticket compared to the state average. While the exact premium increase depends on factors like speed over the limit and the driver's overall record, it's generally advisable to compare quotes from different insurers. Some companies offer more lenient rate adjustments, while others provide programs to help mitigate the impact, such as safe driving incentives.

Car insurance after an accident in Chattanooga

Having an at-fault accident on your driving record often leads to a notable increase in car insurance premiums. In Chattanooga, drivers who have caused an accident might see their rates rise significantly, usually resulting in a cost that's 4 percent less than the state average. The exact increase may vary depending on the severity of the accident and other factors, but shopping around for quotes from different insurers can help find better rates. Some providers may also offer accident forgiveness programs or discounts to help reduce the impact on your insurance costs.

Car insurance after a DUI in Chattanooga

Getting a DUI can lead to a substantial increase in car insurance premiums due to the significant risk associated with this violation. In Chattanooga, drivers convicted of a DUI typically see have rates 3 percent less compared to the state average. This considerable rise in premiums makes it important for drivers to compare quotes from different insurers, as some companies specialize in offering more affordable rates for high-risk drivers. Additionally, taking defensive driving courses or pursuing reinstatement programs may help lower the long-term impact on your insurance costs.

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze April 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a single, 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $50,000 property damage liability per accident
• $100,000 uninsured motorist bodily injury per person
• $300,000 uninsured motorist bodily injury per accident
• $500 collision deductible
• $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2023 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket and single DUI conviction.

Age: Rates were calculated by evaluating our base profile with the ages 20-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.

Teens: Rates were determined by adding a 16- or 18-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.

Bankrate Scores

Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach. 

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

• Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC). 
• Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
• Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.