On average, the cheapest fully coverage car policy in Chattanooga is from the following companies :

  • GEICO: $615 per year
  • State Farm: $671 per year

USAA offers the cheap policy at roughly $ 566 per year, but you have to be a current or former military penis to be eligible. MetLife has the most expensive full coverage policy in Chattanooga, averaging $ 946 per year, more than bivalent GEICO ’ sulfur price. Full coverage car policy includes comprehensive examination and collision insurance that protects you against costs from damages to your car. Your premium may vary depending on the liability limits you choose .

Cheapest Car Insurance in Chattanooga

Full Coverage 100/300/100

  • company 100/300/100per year
  • 1 .USAA $566
  • 2 .GEICO $615
  • 3 .State Farm $671
  • 4 .Progressive $676
  • 5 .Erie $681
  • 6. Tennessee Farmers $853
  • 7 .Nationwide $861
  • 8 .Allstate $892
  • 9 .Farmers $900
  • 10 .Travelers $912
  • 11 .MetLife $946

MoneyGeek ’ mho study uses the profile of a 40-year-old male driver in Chattanooga carrying wide coverage cable car indemnity, as detailed in our methodology. Full coverage car indemnity costs more than Tennessee ‘s minimum car indemnity because it protects your cable car against damage. It includes liability and two other coverages :

  • Collision insurance: protects you from expenses caused by a crash
  • Comprehensive insurance: protects you from damages caused by non-collision-related incidents and theft

Despite its advantages, a full coverage policy international relations and security network ’ deoxythymidine monophosphate for everyone. With an older cable car, you may find liability-only or state minimum indemnity more cost-efficient if the full coverage rate exceeds your car ’ sulfur value .

Compare Car Insurance Rates in Chattanooga

see you ‘re getting the best rate for your car policy. Compare quotes from the top policy companies. widget-location-pinInsurance Rates

Cheapest Car Insurance in Chattanooga for Minimum Coverage

A minimum coverage car policy is the cheapest you can buy in Chattanooga. On average, the cheapest minimum coverage car insurance in Chattanooga is from :

  • GEICO: $298 per year
  • Tennessee Farmers: $314 per year

USAA is the most low-cost choice for those with a military background at $ 296 per year on average. GEICO ’ south rate is $ 215 lower than MetLife, which offers the most expensive minimal coverage policy at around $ 513 annually. A policy with minimum coverage is your cheapest option in Chattanooga, but you risk entire security since it excludes comprehensive and collision coverage and has low liability limits. Use the mesa below to see how rates change based on indebtedness limits .

Cheapest Minimum Liability Car Insurance in Chattanooga

state Minimum

  • company State Minimumper year
  • 1 .USAA $296
  • 2 .GEICO $298
  • 3. Tennessee Farmers $314
  • 4 .Erie $320
  • 5 .State Farm $321
  • 6 .Progressive $323
  • 7 .Nationwide $392
  • 8 .Farmers $451
  • 9 .Travelers $470
  • 10 .Allstate $495
  • 11 .MetLife $513

A minimum coverage policy is your cheapest choice in Chattanooga, but it offers you the least auspices, with indebtedness and uninsured motorist limits of 25/50/15, per Tennessee law. That means you may pay out of pocket after an accident. For model, if you cause an accident and the early driver ‘s medical bills sum to $ 40,000, but your specify for bodily injury is merely $ 25,000 per person, you have to shell out $ 15,000 .

Tennessee Minimum Liability Requirements

  • item description
  • Bodily Injury and Property Damage $ 25,000 per person, $ 50,000 per accident and $ 15,000 for property damage. A more protective grade is 100/300/100 .

Cheapest Car Insurance in Chattanooga if You Have Driving Violations

Having violations on your drive record, such as a ticket, at-fault accident or DUI, increases your annual premium in Chattanooga. On average, you can find the cheapest cable car policy with a trespass in Chattanooga from :

  • Cheapest after a ticket: GEICO, $700 per year
  • Cheapest after an at-fault accident: State Farm, $794 per year
  • Cheapest after a DUI: State Farm, $732 per year

If you ’ re an eligible military member, USAA offers a low rate for drivers with a speed ticket at roughly $ 669 per year. Improving your hapless drive criminal record over time gets you a lower rate in Chattanooga. In the short condition, it ’ south best to compare car policy quotes to find the best rate after a rape .

Cheapest Car Insurance in Chattanooga With a Violation

Speeding ticket

  • caller Speeding Ticketper year
  • 1 .USAA $669
  • 2 .GEICO $700
  • 3 .Erie $704
  • 4 .State Farm $732
  • 5. Tennessee Farmers $853
  • 6 .Progressive $883
  • 7 .Nationwide $984
  • 8 .Allstate $989
  • 9 .Farmers $1,164
  • 10 .Travelers $1,250
  • 11 .MetLife $1,384

Average Cost of Car Insurance in Chattanooga

Chattanooga $800

Tennessee $1,018

U.S. $1,424

The average car insurance agio in Chattanooga is $ 800 per year. This rate is 21.4 % lower than the Tennessee state of matter average and 43.8 % more low-cost than the average national rate of $ 1,424 per annum.

Personalized Quotes to Get You the Cheapest Car Insurance in Chattanooga

If you are looking for the cheapest car insurance in Chattanooga, you need to request and compare personalized quotes from several providers. insurance companies will evaluate your personal information, such as age, address, driving criminal record and the type of vehicle you drive, to provide you with a individualized indemnity quote. To ensure that you get the best rates for your situation, you should regularly request quotes to see if you qualify for discounts or rebates .

Compare Car Insurance Rates in Chattanooga

guarantee you ‘re getting the best rate for your car indemnity. Compare quotes from the top indemnity companies. widget-location-pin

The Best Car Insurance Companies in Chattanooga

MoneyGeek compared car policy providers to determine the best car policy company in Chattanooga. If you consider affordability and excellent service, the MoneyGeek inner rat system found that the two best companies are :

  • Erie: MoneyGeek score of 93 of 100
  • Auto-Owners: MoneyGeek score of 90 of 100

USAA received the highest grudge in Chattanooga by MoneyGeek ‘s denounce system but is only available to former and stage military members and their families. If you fit the criteria, USAA is the best insurance company in Chattanooga. MoneyGeek measured scores out of 100 based on respective factors, including data from J.D. Power affordability, fiscal security, and customer atonement ratings .
1 USAA score : 95

4/5 Affordability 5/5 Claims Ratings 4/5 User Satisfaction A++ fiscal stability

2 Erie score : 92.5

4/5 Affordability 5/5 Claims Ratings 4/5 User Satisfaction A+ fiscal constancy

3 Auto-Owners Insurance Co grade : 90

4/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A++ fiscal constancy

4 GEICO score : 85

3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A++ fiscal constancy

5 State Farm score : 82.5

3/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A fiscal stability

6 Nationwide grudge : 80

2/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability

7 Travelers score : 80

2/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A++ fiscal stability

8 MetLife seduce : 80

3/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A+ fiscal stability

9 Safeco score : 77.5

3/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A fiscal stability

10 Progressive grudge : 77.5

3/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A+ fiscal stability

11 Allstate score : 75

2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A+ fiscal stability

12 Liberty Mutual score : 75

2/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A fiscal stability

13 National General score : 72.5

3/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A- fiscal constancy

Average Cost of Car Insurance by Postal Code

Your ZIP code can besides affect your ability to find the cheapest car indemnity in Chattanooga. This is because different neighborhoods have varying rates of car thefts, accidents and uninsured drivers. however, your rates will credibly not change a lot based on your vicinity within Chattanooga. Drivers from ZIP code 37415 pay an average of $ 7 less per year than drivers from the 37421 vicinity .

  • Zip Code State Minimumper year
  • 37415 $797
  • 37421 $804

Factors That Impact Insurance Costs in Chattanooga

In addition to person driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of black accidents besides contribute to car insurance rates in Chattanooga. How Chattanooga ranks compared to the 300 most populous cities in the United States can have a significant affect on premium costs .accident2 icon

Most Accidents With Fatalities 24th / 300handcuffs2 icon

Most cable car Thefts 199th / 300uninsured icon

Most uninsured Motorists by State 5th / 50insurance2 icon personal Injury Protection Required Norain icon

Most annual rain 33rd / 300umbrella icon

Most showery Days 67th / 300

Methodology and Assumptions

MoneyGeek ’ mho average premium rates for Chattanooga are based on 100/300/100 comprehensive collision coverage with a $ 1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, placement and drive record.

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