Chattanooga Car Insurance

The Zebra
May 30, 2018

Car Insurance in Chattanooga

It is known that Chattanooga has economical premiums, as its mean premium sits under the state average by $72. Why don't we get started on how to save on car insurance in Chattanooga?

  • City Average: $1,243
  • State Average: $1,315
  • National Average: $1,427

Chattanooga Car Insurance by Accident or Violation History

Having a clean driving record is imperative if you want to keep the price of car insurance rates minimal. On average, a DUI in Chattanooga will cost you 48% more in car insurance premiums versus the city average ($1,243). Reckless driving will push your rates up as well, with average rates of $1,781. That is 43% higher than the city average. For individuals in Chattanooga with at-fault accidents, $453 is the amount by which annual insurance premiums can be expected to rise.

  • DUI: $1,836
  • Reckless Driving: $1,781
  • At-fault Accident (damages less than $1000): $1,696
  • At-fault Accident (damages greater than $2000): $1,696
  • Speeding Ticket (16-20 mph over speed limit): $1,473

Chattanooga Car Insurance by Age

Drivers in Chattanooga see the biggest decrease in premiums when they reach their 20s, as they save an average of 68% from moving out of the teenage age range. Rates for drivers continue to decline through their 50s, but they can anticipate a change when they hit 60. With payments of $5,367 on average, teenage drivers pay the most in car insurance premiums. Among all age groups, drivers in their 50s have the lowest payments, with rates of $1,068 per year. People in their 60s ($1,088) aren’t paying much more.

  • Teenagers: $5,367
  • 20s: $1,727
  • 30s: $1,218
  • 40s: $1,125
  • 50s: $1,068
  • 60s: $1,088
  • 70s: $1,325

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Chattanooga Car Insurance by Credit Rating

People with Exceptional credit (800-850) pay an average of $1,488 less every year for car insurance than those with Very Poor credit (300-579). Drivers can save around $334 per year when they boost their credit tier from Very Poor (300-579) to Fair (580-669).

  • Very Poor: $2,556
  • Fair: $2,050
  • Good: $1,646
  • Very Good: $1,312
  • Exceptional: $1,068

Chattanooga Car Insurance by Gender and Marital Status

Both gender and marital status are important considerations in determining the price of car insurance in Chattanooga. You spend roughly 6% more per year if you're single or divorced as opposed to married. Rates for those who are widowed are marginally cheaper than rates for those who are single. Premiums are more pricey for men. Men normally pay $19 more than women each year for insurance.

  • Female: $1,224
  • Male: $1,243
  • Single: $1,243
  • Married: $1,168
  • Divorced: $1,243
  • Widowed: $1,226