Chattanooga, TN Car Insurance

Car insurance rates are cheaper than average in Chattanooga. If you're paying too much for your auto policy, check out our tips on how to save.

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How much does auto insurance cost in Chattanooga?

 

The typical Chattanooga driver pays $1,482 per year for auto insurance. That's less expensive than the statewide average in Tennessee ($1,570) and less expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other common factors in Chattanooga.

 
CHATTANOOGA AUTO INSURANCE RATES
Chattanooga Average (per year) Tennessee Average U.S. Average
$1,482 $1,570 $1,548
 
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Chattanooga auto insurance rates by provider

 

One of the best ways to save on auto insurance is to compare rates from multiple companies and to choose the insurer that best fits your coverage needs. In Chattanooga, GEICO provides the most affordable rates for the typical insurance customer. See below the best options for affordable auto insurance in Chattanooga. Don't forget to get car insurance quotes based on your driving profile.

 
CHATTANOOGA CAR INSURANCE RATES BY COMPANY
Company Average Rate (annual)
GEICO $791
USAA $1,006
State Farm $1,034
Erie $1,121
Tennessee Farmers $1,309
 

Consult our expert guide to finding the best cheap car insurance.

 
 

 

Auto insurance premiums by age in Chattanooga

Chattanooga drivers in their age_50s enjoy relatively affordable auto insurance rates, paying just $1,222per year, on average. Those in their age_60s don't pay much more ($1,243).

Teenage drivers pay Chattanooga's most expensive insurance rates. When Chattanooga drivers hit their 20s, their insurance rates drop substantially. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in Chattanooga is $3,885, the largest such difference between any two age groups.

 
CHATTANOOGA AUTO INSURANCE PREMIUMS BY DRIVER AGE
Age group Average Yearly Rate
Teenagers $5,897
20s $2,012
30s $1,441
40s $1,294
50s $1,222
60s $1,243
70s $1,506
 

Learn more about the impact of age on auto insurance rates.

 
 

 

Chattanooga car insurance premiums by gender and marital status

 

Marital status and gender can be contributors to car insurance rates, in some cases. Married drivers usually pay less for car insurance than their single counterparts. In Chattanooga, married motorists pay $112 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. In Chattanooga, insurance rates for those who are widowed are less expensive than rates for those who are single.

Gender is another factor that can influence auto insurance rates. The typical male driver in Chattanooga pays $39 more each year for car insurance than does his female counterpart.

 
INSURANCE RATES IN CHATTANOOGA BY MARITAL STATUS AND GENDER
Marital Status/Gender Average Annual Rate
Female $1,443
Male $1,482
Single $1,370
Married $1,370
Divorced $1,486
Widowed $1,442
 

Read more about the relationships between gender, marital status and insurance rates.

 
 

 

Chattanooga car insurance costs by incident history

 

No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates low. At-fault collisions, DWIs, citations for reckless driving, and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.

Chattanooga drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $804 per year versus the city average. A ticket for speeding results in a $315 rate hike while a DWI or DUI violation costs $695per year in extra insurance expenditures.

 
CHATTANOOGA CAR INSURANCE RATES AFTER A COLLISION OR CITATION
Incident Average Yearly Rate
DWI/DUI $2,176
Reckless Driving $2,286
At-fault Accident (damages less than $1,000) $1,944
At-fault Accident (damages greater than $2,000) $2,100
Speeding Ticket (16-20 mph over speed limit) $1,796
 

Get more info on how a bad driving history can impact your car insurance costs.

 
 

 

Chattanooga car insurance premiums by credit tier

 

An important insurance rating factor is credit. Drivers with checkered credit histories typically face higher car insurance rates than do drivers with good credit. In Chattanooga, an improvement in credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) corresponds to a 63% drop in car insurance costs. Moving from "Very Poor" to "Fair" credit is a great way to save money on car insurance. In Chattanooga, improving your credit to "Fair" could help you earn $1,344 in savings on insurance premiums each year.

 
CHATTANOOGA AUTO INSURANCE PREMIUMS BY CREDIT TIER
Credit Level Average Annual Rate
Very Poor $3,246
Fair $1,902
Good $1,482
Very Good $1,321
Exceptional $1,190
 

Get additional information on how credit impacts car insurance costs.

 
 

 

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Ross Martin
Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.