Chattanooga has been investing in more than 100 “smart intersections” equipped with special sensors that track the movement of both pedestrians and vehicles.
Whether you’re off to explore the riverfront or heading to UTC for a Mocs game, you’ll need car insurance to drive legally. We’ve gathered data from real Jerry customers in Chattanooga to help you understand how factors such as age, driving history and coverage types impact your insurance costs.
More: Best car insurance in Tennessee
Cheapest minimum coverage in Chattanooga
These are the cheapest car insurance quotes for minimum coverage in Chattanooga, based on Jerry’s quote data.
Tennessee requires drivers to carry these minimum coverage levels:
- $25,000 in bodily injury liability per person.
- $50,000 in bodily injury liability per accident.
- $25,000 in property damage liability per accident.
If you have a loan or lease on your vehicle, the lender will require
More: Cheapest car insurance in Tennessee
Cheapest full coverage in Chattanooga
Full coverage pays for damage to your own car from things like collisions with other vehicles, weather and theft. While the city’s vehicle theft rate dropped in recent years, according to data from the Chattanooga police department, full coverage can still be a wise purchase. These are the cheapest quotes that drivers in Chattanooga have received via Jerry for full coverage.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $69 | $828 | 44 | 06/22/25 | 37406 | ||
| $70 | $834 | 54 | 05/31/25 | 37421 | ||
| $73 | $870 | 53 | 10/28/25 | 37416 | ||
| $76 | $906 | 35 | 07/15/25 | 37412 | ||
| $77 | $918 | 40 | 06/18/25 | 37421 | ||
| $77 | $918 | 48 | 11/05/25 | 37412 | ||
| $77 | $928 | 61 | 10/10/25 | 37416 | ||
| $80 | $962 | 39 | 06/18/25 | 37411 | ||
| $82 | $984 | 36 | 06/14/25 | 37415 | ||
| $82 | $984 | 43 | 06/25/25 | 37407 |
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote:Methodology
Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:
- 35-45 years old.
- Clean driving record.
- $50,000 in bodily injury liability, per person.
- $100,000 in bodily injury liability, per accident.
- $1,000 deductible for comprehensive and collision insurance.
More: Best car insurance companies
Cheapest car insurance for young drivers in Chattanooga (18-29 years old)
Young drivers usually pay the most expensive rates because they’re new to driving and insurers view that as risky. These are the cheapest quotes that young drivers in Chattanooga have received via Jerry.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $65 | $778 | 27 | No | 09/22/25 | 37416 | ||
| $76 | $916 | 21 | No | 08/30/25 | 37411 | ||
| $77 | $927 | 28 | No | 07/15/25 | 37410 | ||
| $78 | $930 | 25 | No | 08/06/25 | 37419 | ||
| $82 | $986 | 23 | No | 09/07/25 | 37343 | ||
| $77 | $918 | 48 | 11/05/25 | 37412 | |||
| $77 | $928 | 61 | 10/10/25 | 37416 | |||
| $80 | $962 | 39 | 06/18/25 | 37411 | |||
| $82 | $984 | 36 | 06/14/25 | 37415 | |||
| $82 | $984 | 43 | 06/25/25 | 37407 |
Cheapest car insurance for mature drivers in Chattanooga (30-54 years old)
Drivers between 30 and 54 years old typically pay a lower rate than younger drivers, though it’s still wise to rate shop to get the most affordable policy. These are the cheapest quotes that mature drivers in Chattanooga have received via Jerry.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $21 | $246 | 38 | No | 05/29/25 | 37406 | ||
| $33 | $392 | 49 | No | 09/11/25 | 37408 | ||
| $35 | $414 | 51 | No | 10/12/25 | 37343 | ||
| $36 | $432 | 40 | No | 07/17/25 | 37412 | ||
| $41 | $490 | 37 | No | 06/16/25 | 37402 | ||
| $77 | $918 | 48 | 11/05/25 | 37412 | |||
| $77 | $928 | 61 | 10/10/25 | 37416 | |||
| $80 | $962 | 39 | 06/18/25 | 37411 | |||
| $82 | $984 | 36 | 06/14/25 | 37415 | |||
| $82 | $984 | 43 | 06/25/25 | 37407 |
More: Get cheap car insurance the smart way, today
Cheapest car insurance for older drivers in Chattanooga (55+ years old)
Drivers above 54 years old generally pay the lowest premiums, though prices start ticking upward as they reach their 70s. Here are the cheapest quotes that seniors in Chattanooga have received via Jerry.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
Has Full Coverage
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| $30 | $360 | 61 | 10/10/25 | 37416 | No | ||
| $36 | $430 | 67 | 10/16/25 | 37412 | No | ||
| $36 | $432 | 65 | 06/17/25 | 37415 | No | ||
| $42 | $498 | 69 | 10/13/25 | 37408 | No | ||
| $48 | $570 | 71 | 08/29/25 | 37402 | No | ||
| $77 | $918 | 48 | 11/05/25 | 37412 | |||
| $77 | $928 | 61 | 10/10/25 | 37416 | |||
| $80 | $962 | 39 | 06/18/25 | 37411 | |||
| $82 | $984 | 36 | 06/14/25 | 37415 | |||
| $82 | $984 | 43 | 06/25/25 | 37407 |
Cheapest car insurance for drivers with clean records in Chattanooga
Drivers with no accidents, citations or insurance claims typically pay less for insurance. These are the cheapest quotes that drivers with clean driving records in Chattanooga have received via Jerry.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $30 | $360 | 61 | 10/10/25 | No | 37416 | ||
| $36 | $430 | 67 | 10/16/25 | No | 37412 | ||
| $36 | $432 | 65 | 06/17/25 | No | 37415 | ||
| $38 | $452 | 32 | 10/10/25 | No | 37421 | ||
| $40 | $480 | 40 | 07/17/25 | Yes | 37412 | ||
| $42 | $498 | 69 | 10/13/25 | No | 37408 | ||
| $45 | $542 | 43 | 07/05/25 | No | 37421 | ||
| $48 | $570 | 71 | 08/29/25 | No | 37402 | ||
| $48 | $572 | 38 | 09/02/25 | No | 37405 | ||
| $48 | $576 | 46 | 06/26/25 | Yes | 37411 |
Cheapest car insurance for drivers with low credit scores in Chattanooga
Tennessee allows insurers to determine premiums based on a drivers’ credit-based insurance score. A low credit score typically results in a more expensive auto policy. Since insurers consider credit scores differently, shop around to ensure you’re getting the best rate possible. These are the cheapest quotes that drivers in Chattanooga with credit scores below 550 have received via Jerry.
|
Credit Score
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|
|
Credit Score
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| <550 | $41 | $496 | 49 | 04/14/25 | 37403 | ||
| <550 | $53 | $635 | 25 | 09/29/25 | 37419 | ||
| <550 | $56 | $670 | 30 | 09/14/24 | 37412 | ||
| <550 | $69 | $822 | 30 | 10/15/25 | 37406 | ||
| <550 | $70 | $836 | 25 | 01/24/25 | 37405 | ||
| $42 | $498 | 69 | 37408 | ||||
| $45 | $542 | 43 | 37421 | ||||
| $48 | $570 | 71 | 37402 | ||||
| $48 | $572 | 38 | 37405 | ||||
| $48 | $576 | 46 | 37411 |
Cheapest car insurance for drivers with at-fault accidents in Chattanooga
An at-fault accident on your record will likely result in a higher premium. It’s wise to shop for a better price before your current policy renews to get the best rate possible. Here are the cheapest quotes that drivers with at-fault accidents in Chattanooga have received via Jerry.
|
At-fault Accident on Record
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|
|
At-fault Accident on Record
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|---|
| At Fault With No Injury | $46 | $554 | 36 | No | 01/14/25 | 37415 | ||
| At Fault With No Injury | $54 | $644 | 26 | No | 09/22/25 | 37402 | ||
| At Fault With No Injury | $55 | $660 | 59 | No | 05/30/25 | 37416 | ||
| At Fault With No Injury | $74 | $890 | 31 | Yes | 03/06/25 | 37343 | ||
| At Fault With No Injury | $76 | $908 | 32 | No | 10/28/25 | 37406 | ||
| $42 | $498 | 69 | No | 37408 | ||||
| $45 | $542 | 43 | No | 37421 | ||||
| $48 | $570 | 71 | No | 37402 | ||||
| $48 | $572 | 38 | No | 37405 | ||||
| $48 | $576 | 46 | Yes | 37411 |
Cheapest car insurance for drivers with speeding tickets in Chattanooga
Getting a citation for speeding typically causes your premiums to go up, and the degree of this increase may depend on how fast you were going. Here are the cheapest quotes that drivers in Chattanooga with speeding tickets have received via Jerry.
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| Speeding under 15 | $45 | $538 | 45 | 09/29/25 | 37416 | ||
| Speeding over 15 | $48 | $572 | 43 | 06/22/25 | 37421 | ||
| Speeding under 15 | $52 | $622 | 59 | 10/31/25 | 37416 | ||
| Speeding over 15 | $60 | $722 | 28 | 09/05/25 | 37421 | ||
| Speeding under 15 | $62 | $748 | 32 | 07/31/25 | 37409 | ||
| $42 | $498 | 69 | 10/13/25 | 37408 | |||
| $45 | $542 | 43 | 07/05/25 | 37421 | |||
| $48 | $570 | 71 | 08/29/25 | 37402 | |||
| $48 | $572 | 38 | 09/02/25 | 37405 | |||
| $48 | $576 | 46 | 06/26/25 | 37411 |
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
