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.
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 Average (per year) | Tennessee Average | U.S. Average |
| $1,482 | $1,570 | $1,548 |
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.
| 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.
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.
| 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.
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.
| 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.
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.
| 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.
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.
| 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.
