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Best Cheap Auto Insurance in Chattanooga, TN (2021)

Things to Remember

  • On average, Chattanooga, TN auto insurance quotes are $3,527/yr
  • The cheapest auto insurance company in Chattanooga, TN, is State Farm
  • Driving your vehicle less in Chattanooga can save you money on auto insurance
  • Auto thefts in your area can affect your auto insurance policy

Chattanooga, TN auto insurance rates are $134 cheaper than the Tennessee average and $405 less expensive than the national average. But, your Chattanooga, Tennessee auto insurance rates will vary.

How come? Chattanooga, TN auto insurance quotes are determined by several factors, such as age, credit history, and driving record.

Read through this guide to learn how to find cheap auto insurance in Chattanooga, TN.

If you’re ready to find affordable Chattanooga, TN auto insurance? Enter your ZIP code above to get started.

Table of Contents

What is the cheapest auto insurance company in Chattanooga, TN?

The cheapest auto insurance company in Chattanooga, Tennessee, based on average rates, is State Farm.

The best auto insurance companies in Chattanooga, ranked from cheapest to most expensive, are:

  • State Farm – $2,692
  • USAA – $2,718
  • Travelers – $2,748
  • GEICO – $3,124
  • Farmers – $3,235
  • Progressive – $3,422
  • Nationwide – $3,439
  • Allstate – $4,544
  • Liberty Mutual – $5,901

Several factors determine your auto insurance rates. The cheapest company depends on personal factors.

One of the most significant factors is driving record. A clean driving history can save you at least 20 percent on auto insurance rates.

Even your age is a factor. Young and single drivers pay the most car insurance. So, a teen or young adult driver in Chattanooga, TN, may pay more for auto insurance.

Married drivers between 35 and 60 years old pay significantly less. However, you can qualify for cheaper rates when you have good credit.

What are the auto insurance requirements in Chattanooga, TN?

All Chattanooga drivers have to meet the minimum Tennessee auto insurance requirements.

In Tennessee, you have to carry at least:

  • $25,000 per person and $50,000 per accident for bodily injury liability
  • $15,000 per accident for property damage liability
  • $25,000 per person and $50,000 per accident for uninsured/underinsured motorist coverage

Tennessee is an at-fault state. It’s recommended that most drivers carry more than the state minimum.

Some car insurance companies recommended you carry higher coverage levels. However, increasing your coverage level drives up your auto insurance cost.

What affects auto insurance rates in Chattanooga, TN?

According to Data USA, the average commute time in Chattanooga is 19 minutes. That’s six minutes faster than the national average.

But driving less than the Chattanooga, TN commute average could mean big savings on your auto insurance policy.

Vehicle theft in Chattanooga, TN, also affects car insurance rates. The most recent annual statistics list 1,314 auto thefts in Chattanooga.

Auto thefts affect comprehensive auto insurance most. If you happen to have a vehicle on the low theft rate list, you may be able to save a few hundred dollars on car insurance.

What about Chattanooga, TN weather? According to City-Data, Chattanooga had ten floods and ten storms that caused natural disasters.

Chattanooga, TN Auto Insurance: What’s the bottom line?

Chattanooga drivers have more chances to buy affordable auto insurance in Tennessee than the average American motorist.

The best way to secure cheap car insurance in Chattanooga is to keep a clean driving record and maintain good credit. If your vehicle has any anti-theft or safety features, you can qualify for discounts.

Before you buy Chattanooga, TN auto insurance, be sure you’ve checked out rates from multiple companies. Enter your ZIP code below to get fast, free auto insurance quotes.

References:

  1. https://datausa.io/profile/geo/chattanooga-tn/
  2. https://ucr.fbi.gov/crime-in-the-u.s/2019/crime-in-the-u.s.-2019/tables/table-8/table-8-state-cuts/tennessee.xls
  3. https://www.city-data.com/city/Chattanooga-Tennessee.html

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