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How much is car insurance in Chattanooga?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that the average monthly price in Chattanooga is in line with pricing for the rest of Tennessee.
When stacked up against the national average, the average monthly policy payment for Chattanooga is more affordable. Auto insurance coverage in Chattanooga is about $29 cheaper than it is for the rest of the U.S.
Although these are the average rates for auto insurance in Chattanooga, it's important to remember that you could end up paying something different. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in figuring out your monthly premium.
Don't sweat it however, we've broken down average rates for Chattanooga residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
More time behind the wheel makes you a more experienced driver. That experience can lead to some serious savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay almost twice as much as drivers of retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. You may see your rates begin to climb back up once you hit retirement.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. The price for insurance coverage in Chattanooga, however, is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Those with clean records can expect to pay less than those with infractions. Drivers in Chattanooga with one accident will pay around $65 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $92.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$42|
|15 Years or Older||$48|
In terms of affordable coverage, the cheapest vehicles to insure in Chattanooga are by and large SUVs.
The monthly premium for SUV owners is about $48 a month, while car owners' policies run them around $50 per month.
For truck and van drivers, however, their monthly bill totals to about $49.
The age of your vehicle also plays a role in your monthly payment. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is close to 5 years old, you might start to see your rates slide back down slightly. The most expensive vehicles to insure in Chattanooga, however, are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$52|
More often than not, those who are currently married will pay slightly less for their car insurance. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.
That difference ends up being about $10 a month for drivers in Chattanooga.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$73|
Your living situation is another factor that affects your monthly rate. If you rent your home or apartment in Chattanooga, expect to pay around $5 a month more than if you are a homeowner. But if you live with your parents, you can expect to pay a lot more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Chattanooga, TN
Recent trends in car insurance for Chattanooga drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending choosing when and where to shop.
The rates for car insurance in Chattanooga decreased from 2016-2017, before leveling out in 2018. They finished down in 2021, at $47 a month
How does Chattanooga compare to neighboring areas?
Why are car insurance rates in Chattanooga different from other areas?
There are many factors car insurance companies take into consideration when figuring out how much to charge for coverage. While we mentioned the factors that affect your personal policy, others are based around your home address. These include things like:
- Availability of off-street parking
- Road safety
- Total amount of drivers in the community
- Community laws
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Chattanooga?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Luckily, Compare.com will handle the heavy lifting for you. Enter your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering auto coverage in Chattanooga.
Chattanooga Insurance FAQs
What factors affect car insurance quotes in Chattanooga?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your credit score, driving record, marital status, and address.
Why is the cost of car insurance in Chattanooga different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, crime rates, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Chattanooga?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Chattanooga?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Chattanooga or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?