Cheap Car Insurance in Chattanooga, TN

Written by Xuyun Zeng and 1 other
Updated Mar 19, 2025
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Cheap Car Insurance in Chattanooga, TN

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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.

Cheapest minimum coverage in Chattanooga

These are the cheapest quotes for minimum coverage in Chattanooga, based on Jerry’s quote data.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$37 $446 The General 59 February 2, 2024 Chattanooga, TN 37406
$38 $453 Electric 54 February 3, 2025 Chattanooga, TN 37343
$41 $488 Trexis 63 February 26, 2025 Chattanooga, TN 37406
$41 $496 Gainsco 41 May 6, 2025 Chattanooga, TN 37415
$45 $536 National General 56 November 5, 2024 Chattanooga, TN 37405
$46 $550 Trexis 39 December 10, 2023 Chattanooga, TN 37406
$47 $563 Trexis 45 April 11, 2025 Chattanooga, TN 37419
$49 $584 Trexis 54 June 20, 2024 Chattanooga, TN 37421
$51 $610 National General 52 April 24, 2024 Chattanooga, TN 37412
$52 $624 Progressive 29 February 27, 2025 Chattanooga, TN 37403
Last Updated May 8, 2025

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 full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Find affordable car insurance in minutes.

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 between 2023 and 2024, 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 Policy
City, State
ZIP Code
$63 $758 Progressive 58 October 16, 2024 Chattanooga, TN 37411
$77 $928 Progressive 56 March 10, 2025 Chattanooga, TN 37419
$84 $1,012 National General 22 August 7, 2024 Chattanooga, TN 37405
$95 $1,144 Trexis 49 November 11, 2023 Chattanooga, TN 37407
$107 $1,280 Progressive 43 September 23, 2024 Chattanooga, TN 37421
$112 $1,340 Bristol West 43 October 19, 2024 Chattanooga, TN 37421
$115 $1,384 Gainsco 74 April 30, 2025 Chattanooga, TN 37404
$120 $1,440 Trexis 26 November 30, 2023 Chattanooga, TN 37405
$121 $1,450 Progressive 50 September 16, 2024 Chattanooga, TN 37404
$124 $1,482 Progressive 47 October 26, 2024 Chattanooga, TN 37415
Last Updated May 8, 2025

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 Policy
City, State
ZIP Code
$52 $624 Progressive 29 No February 27, 2025 Chattanooga, TN 37403
$62 $742 Trexis 28 No November 14, 2023 Chattanooga, TN 37406
$68 $821 Trexis 27 No May 1, 2025 Chattanooga, TN 37405
$84 $1,012 National General 22 Yes August 7, 2024 Chattanooga, TN 37405
$91 $1,092 Trexis 29 No January 31, 2024 Chattanooga, TN 37406
Last Updated May 8, 2025

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 Policy
City, State
ZIP Code
$38 $453 Electric 54 No February 3, 2025 Chattanooga, TN 37343
$41 $496 Gainsco 41 No May 6, 2025 Chattanooga, TN 37415
$46 $550 Trexis 39 No December 10, 2023 Chattanooga, TN 37406
$47 $563 Trexis 45 No April 11, 2025 Chattanooga, TN 37419
$49 $584 Trexis 54 No June 20, 2024 Chattanooga, TN 37421
Last Updated May 8, 2025

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 older drivers in Chattanooga have received via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
Has Full Coverage
$37 $446 The General 59 February 2, 2024 Chattanooga, TN 37406 No
$41 $488 Trexis 63 February 26, 2025 Chattanooga, TN 37406 No
$45 $536 National General 56 November 5, 2024 Chattanooga, TN 37405 No
$58 $698 Trexis 63 January 4, 2025 Chattanooga, TN 37416 No
$63 $752 Progressive 61 March 27, 2025 Chattanooga, TN 37415 No
Last Updated May 8, 2025

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 Policy
Has Full Coverage
City, State
ZIP Code
$37 $446 The General 59 February 2, 2024 No Chattanooga, TN 37406
$38 $453 Electric 54 February 3, 2025 No Chattanooga, TN 37343
$41 $488 Trexis 63 February 26, 2025 No Chattanooga, TN 37406
$41 $496 Gainsco 41 May 6, 2025 No Chattanooga, TN 37415
$45 $536 National General 56 November 5, 2024 No Chattanooga, TN 37405
$46 $550 Trexis 39 December 10, 2023 No Chattanooga, TN 37406
$47 $563 Trexis 45 April 11, 2025 No Chattanooga, TN 37419
$49 $584 Trexis 54 June 20, 2024 No Chattanooga, TN 37421
$51 $610 National General 52 April 24, 2024 No Chattanooga, TN 37412
$52 $624 Progressive 29 February 27, 2025 No Chattanooga, TN 37403
Last Updated May 8, 2025

Cheapest car insurance for drivers with low credit scores in Chattanooga

Tennessee allows insurers to determine premiums based on a drivers’ credit 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
<550 $41 $488 Trexis 63 February 26, 2025 Chattanooga, TN 37406
<550 $41 $496 Gainsco 41 May 6, 2025 Chattanooga, TN 37415
<550 $47 $563 Trexis 45 April 11, 2025 Chattanooga, TN 37419
<550 $59 $712 Trexis 32 June 3, 2024 Chattanooga, TN 37421
<550 $62 $742 Trexis 28 November 14, 2023 Chattanooga, TN 37406
Last Updated May 8, 2025

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 With No Injury $58 $698 Trexis 63 No January 4, 2025 Chattanooga, TN 37416
At Fault With No Injury $65 $776 Trexis 32 No June 29, 2024 Chattanooga, TN 37405
At Fault With No Injury $70 $838 The General 35 No February 26, 2025 Chattanooga, TN 37404
At Fault With No Injury $72 $864 Progressive 44 No January 30, 2025 Chattanooga, TN 37416
At Fault With No Injury $72 $866 Trexis 47 No December 27, 2023 Chattanooga, TN 37419
Last Updated May 8, 2025

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 Policy
City, State
ZIP Code
Speeding over 15 $70 $838 The General 35 February 26, 2025 Chattanooga, TN 37404
Speeding over 15 $72 $866 National General 32 September 16, 2024 Chattanooga, TN 37405
Speeding under 15 $100 $1,202 Trexis 30 January 29, 2024 Chattanooga, TN 37408
Speeding over 15 $107 $1,284 First Acceptance 50 December 25, 2024 Chattanooga, TN 37416
Speeding over 15 $116 $1,390 National General 57 May 21, 2024 Chattanooga, TN 37405
Last Updated May 8, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS
meet-experts-thumbnail
Xuyun Zeng

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.

meet-experts-thumbnail
Ben Moore

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.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.