Best Car Insurance in Chattanooga 2022

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Most states require drivers to carry minimum liability insurance to prove that they are financially responsible, but the minimums vary from state to state.
Not only does the required insurance differ based on your state, but your car insurance rates also can be dramatically different based on your zip code. When determining your premiums, car insurance providers assess the risk of insuring drivers in specific cities, considering things like population, accident rate, crime rate, and weather for each location.
This can make finding the best rates for car insurance a complicated process. That’s where Jerry comes in handy. Jerry is an insurance broker app that will provide you with quotes from over 50 top insurance providers in seconds.
All you have to do is find a policy that works for you, and Jerry will help you take care of the rest—including filing all the paperwork and helping to cancel your old policy.
Don’t believe us? Here are some real quotes from Jerry customers in Chattanooga.
Quote DateCarZip CodeAgeInsurance Company
Before Jerry
After Jerry
September 7, 2021Volkswagen Jetta SE3741125Progressive$129/mo.$79/mo.
April 21, 2021Toyota Corolla L3742123Progressive$221/mo.$125/mo.
September 16, 2021Chrysler Pacifica Touring3741521Electric$278/mo.$128/mo.
May 3, 2021Chevrolet Cruze LS3741231Progressive$200/mo.$166/mo.
January 1, 2021Kia Forte FE3742130Gainsco$242/mo.$167/mo.
Here’s more information about what impacts the insurance rates in your Chattanooga.

How much does car insurance cost in Chattanooga?

Car insurance in Chattanooga, Tennessee costs single-car drivers an average of $2,197 annually, or about $183 per month. Compared to the state annual average of $2,435, auto insurance in Chattanooga is $238 lower higher.
With sweeping views of the mountains and the Tennessee River, it’s no wonder that Chattanooga’s official nickname is “Scenic City.” This fast-growing city provides easy access to nearby hiking, rock climbing, kayaking, and plenty of other opportunities to enjoy the outdoors. Chattanooga also boasts indoor attractions like museums and the famous Tennessee Aquarium.
In order to explore Chattanooga and the surrounding mountains by car, you’re going to need reliable car insurance to keep your vehicle protected. Before you hit the road, shop for the lowest rate using the Jerry app.
Here’s everything you need to know about car insurance in Chattanooga.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
National Average$3,223$2,143$3,086$1,764$3,423$2,486
ChattanoogaNational Average
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
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Choosing a carrier in Chattanooga

Not only do insurance rates vary based on zip code, but different providers can provide drastically different quotes for the same location.
Every insurance company uses its own calculation to determine the risk of insuring drivers in different cities. If you have recently moved, you may find that premiums with your current provider have changed dramatically in your new home.
In that case, it may be time to shop around for a new carrier. Jerry can help you find a carrier who meets your needs by doing the hard work of comparison shopping for you—giving you quotes from a number of top providers quickly.
Some of the most popular insurance carriers in Chattanooga include GEICO, State Farm, Erie, and Allstate.
But car insurance rates and policies vary from company to company, so you will need to compare quotes and do your research in order to find the best provider for your individual needs and circumstances.
Here’s what Chattanooga drivers pay with some of the most popular insurance providers in the city before and after switching with Jerry:
Insurance Company
Average Cost
Annual Savings with Jerry
Safeco$2,832$1,011Compare Prices
Nationwide$2,652$840Compare Prices
Allstate$2,184$738Compare Prices
Progressive$2,091$703Compare Prices
National General$1,650$284Compare Prices
State Auto$1,853$248Compare Prices
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What kind of car insurance you need in Chattanooga

In Chattanooga, drivers are required to carry the state’s mandated minimum liability insurance before they hit the road. This coverage helps to pay for other people’s expenses when you’re at fault in an accident, but it won’t cover you or your vehicle.
In Tennessee, drivers are legally required to have liability insurance with the following coverage levels:
You will need to show proof of insurance when you register your car, when you get pulled over by law enforcement, and when you get into an accident.
However, liability insurance coverage is just the minimum requirement, and it may not cover all your expenses in the event of an accident. While minimum liability insurance will be the cheapest policy, it’s generally suggested that drivers carry more than the baseline requirements and consider full-coverage insurance policies. Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run). Full-coverage car insurance policies generally include:
Although liability insurance will cover the cost of repairs and medical bills for other drivers when you cause an accident, it won’t protect your own car. For more extensive coverage, you will need to buy more than the state’s minimum requirements.
There are a number of risk factors that affect Chattanooga drivers. Here are some types of car insurance that can help you be prepared.
FactorRecommended coverageDescription
Heavy trafficCollision insuranceCollision insurance pays the repair bills if you collide with another car or a stationary object, like a tree or a telephone pole.
Severe weatherComprehensive insuranceComprehensive insurance pays to repair or replace your vehicle if it is damaged by severe winter storms, hail, or tornadoes. It also covers damages due to fallen tree branches, wild animals, or theft, among other unexpected events.
Uninsured driversUninsured motorist coverageUninsured motorist coverage will pay for the added expenses incurred due to a collision with an uninsured driver.
Roadside emergenciesRoadside assistanceIf your car breaks down, roadside assistance can pay for battery jumpstarts, tire changes, towing, and more.

What determines your car insurance cost in Chattanooga

Your zip code, provider, and type of policy you choose are just a few of the factors that go into determining your car insurance premiums.
Providers will consider your specific demographics when setting your rates, so you may find that your rates are different from someone who lives next door.
Here are the factors that play a part in determining your car insurance premiums.

Your age

Young drivers are thought of as high-risk drivers by most insurance companies. This is, in part, due to their lack of experience behind the wheel and their generally higher accident rates. As such, young drivers will have higher premiums than their older counterparts. If you’re a driver under 25 in Chattanooga, you could be paying as much as $80 more per month than an adult driver. These are average rates for Jerry customers in Chattanooga broken down by age:
Age Group
Average Cost
Annual Savings with Jerry
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Your driving record

Your driving record will have a big impact on your car insurance premiums. While one minor infraction—like a speeding ticket—won’t have a major impact on your rates, multiple small offenses or one major offense—like a DUI—can greatly impact what you pay each month for car insurance.
Providers will consider people with a history of previous driving infractions to be high-risk drivers and charge them more for car insurance accordingly.
Fortunately, Jerry can help drivers with poor driving records find affordable car insurance with the right provider. Here’s how much Jerry customers in Chattanooga with previous offenses saved on insurance:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$2,343$828
Improper Passing$2,835$1,193
Speeding under 15$2,758$787
Failure to Obey Traffic Sign$1,980$240
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Where in Chattanooga you live

It may seem like insurance rates in Chattanooga should be consistent across the board, but the neighborhood in which you live can also make an impact on your car insurance premiums.
Because accident rates and property crime rates vary within a city, auto insurance rates could be higher for different zip codes—even if they are in the same municipal area. Within Chattanooga, residents of 37415, 37402, 37410, 37416 and 37412 will have the most expensive car insurance rates, while people who live in 37403, 37408, 37406, 37405 and 37411 will pay the least.
Here’s a more specific breakdown of insurance prices for Jerry across Chattanooga:
Quote DateZip codeCarStateAgeInsurance Company
Before Jerry
After Jerry
May 14, 202137406Kia Optima SXTN39National General$108/mo.$75/mo.
October 7, 202137412Dodge Caliber ExpressTN32Allstate$189/mo.$78/mo.
September 30, 202137416Toyota Camry BaseTN34Progressive$152/mo.$91/mo.
July 11, 202137412Kia Forte LXTN44National General$167/mo.$142/mo.
July 14, 202137415Ram 1500 STTN30Travelers$174/mo.$147/mo.
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Why is car insurance in Chattanooga so expensive?

A variety of considerations determine baseline car insurance rates in Chattanooga. Insurance companies often consider the following:
When setting your insurance rates, insurance companies take several factors into account, including your personal demographics, driving record, and zip code. Here are a few factors that tend to affect insurance rates in Chattanooga.

High crime rate

Insurance companies tend to raise rates for drivers in areas with high rates of property theft because of the higher risk of having your car stolen or vandalized.

High rate of uninsured drivers

Over 23% of Tennessee drivers are estimated to be driving without car insurance. Not only is this illegal, but it’s also a huge liability for the insurance companies who would need to foot the bill if a policyholder got hit by an uninsured driver. As a result, insurance rates are often higher in states with lots of uninsured drivers.

Severe weather

Drivers have a heightened risk of vehicle damage in areas with severe weather. Chattanooga is unfortunately subject to severe storms, hail, and tornadoes, all of which can cause extreme property damage.

How can you save money on car insurance in Chattanooga?

Compare quotes from different providers

One of the best ways to save money on car insurance is by shopping around for quotes. Of course, taking the time to research different companies and fill out all the paperwork.
Let Jerry do the hard work for you! After a quick sign-up, Jerry will source quotes from over 50 insurance providers in seconds. Once you choose a policy, Jerry will take care of all of the changeover—including helping to cancel your old policy.

Look for discounts

Lucky for you, most insurance companies offer discounts to help you save money. Here are some common discounts available with insurance carriers in Chattanooga:
Multi-policyDiscounts are often available for customers who purchase multiple insurance products from the same provider, like home and auto.
Accident-freeIn order to reward safe driving, many insurance companies offer discounts to drivers who go several years without getting into an accident.
Good studentIf you are a full-time student, you may earn a discount as a reward for earning good grades in school.
Safety equipmentDriving a car with advanced safety features could lead to discounts.
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