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How much is car insurance in Chattanooga?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the rates you'll pay for coverage in Chattanooga are on par with what you would pay anywhere else in Tennessee.
Compared to the national average cost of auto insurance coverage, Chattanooga has lower rates. Auto insurance coverage in Chattanooga is about $31 cheaper than it is for the rest of the United States.
Bear in mind that while these are the average car insurance rates for Chattanooga, 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. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.
We've done the heavy lifting for you and broken down the average rate for Chattanooga so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads, right? When it comes to car insurance premiums, that experience can really pay off. In this case, 18-24-year-olds pay significantly more than someone who is at retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. As you get closer to retirement age, however, you may see your rates begin to go back up in Chattanooga.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. While this isn't true in Chattanooga, the difference in monthly rates is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Chattanooga, a driving record with a single accident will usually get you a rate around $66 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $71.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$40|
|15 Years or Older||$50|
As you can see in the first table above, the cheapest vehicles to insure in Chattanooga are by and large SUVs, trucks, and vans, which run about $50 per month.
Car owners, however, pay about $51 per month for car insurance coverage.
You can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. The most expensive vehicles to insure in Chattanooga are vehicles eleven-to-fourteen years old.
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 auto insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
The cost of auto insurance in Chattanooga reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $7 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$67|
One other element taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $5 a month more than if you own your own home in Chattanooga. But those who live at home with their parents can expect to pay significantly more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance costs.
Car Insurance Companies in Chattanooga, TN
Recent trends in car insurance for Chattanooga drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing where to shop.
In Chattanooga, auto insurance rates have been steady over the past few years, reaching a low of $46 in 2019 and finishing up in 2022 with a high of $58.
How does Chattanooga compare to neighboring areas?
Why are car insurance rates in Chattanooga different from other areas?
There are a variety of factors car insurance companies take into consideration when deciding how much to charge for a monthly rate. Your insurance policy will depend largely on your home address and will be influenced by things such as:
- Local regulations
- Off-street parking access
- Total drivers
- Road Safety (frequency of local car accidents)
- Crime rates
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Chattanooga?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Good news! Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies offering coverage in Chattanooga.
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Chattanooga Insurance FAQs
What factors affect car insurance quotes in Chattanooga?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your credit score, driving record, marital status, and address.
Why is the cost of car insurance in Chattanooga different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, crime rates, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Chattanooga?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Chattanooga?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Chattanooga or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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