Chattanooga’s average annual car insurance cost is $391 for minimal coverage and $1,300 to cover full coverage. With more than 5.4million registered drivers, it is one of America’s most affordable places to live. If you’re aware of what to look out for, Chattanooga car coverage can be quite affordable. We can help.
The Bankrate editorial team uses a multi-faceted approach to find Chattanooga’s best affordable car insurance. This includes combining our Bankrate score with an analysis of the current insurance market. These are the top Chattanooga cheap car insurance companies for 2021 based on industry rankings and price.
Chattanooga’s best car insurance companies
There is much to consider when choosing a new insurance company for your auto insurance. It is important to consider the various options available for coverage and add on protections. We also consider discounts that could help you save money, in addition to the average rate for each company. We also refer to industry experts such as AM Best for financial strength or J.D. Power customer satisfaction ratings from the 2021 U.S. Auto Insurance Study for the Southeast region.
Although the cost of car insurance averages $1,300 for full coverage, many companies offer Chattanooga auto insurance at a lower average rate. Geico’s full coverage is the most affordable, at $923 per annum. State Farm and USAA also have lower rates than the average in Chattanooga. Erie and Allstate have slightly higher average car insurance costs in Chattanooga than the average.
These are the top Chattanooga car insurance companies based on all these factors.
Geico offers auto insurance not just for cars. Other types of car insurance coverage available, too, including motorcycle, RV and classic car insurance. The coverage is comprehensive and includes the ability to add rental reimbursement, personal injury protection (PIP), and mechanical breakdown insurance. Geico offers 24/7 customer support and a top-rated mobile application to help you with your policy.
Geico offers several discounts on car insurance, including additional savings if you are not in an accident for five years. Other discounts such as military discounts, professional discounts, and special savings for seniors and students can be combined with Geico.
J.D. ranks USAA as rank-ineligible. It is not in the top ten for customer satisfaction, but it ranks high in power rankings. This military-only provider is exclusive to active members and veterans of the military, as well as their families. There are many coverage options available including rideshare, roadside assistance, and extended benefits.
USAA offers exclusive savings for drivers. You may be eligible for additional discounts if you have recently bought a vehicle or maintain a low annual driving record. If a member of your family has an active USAA policy, you can receive low-cost insurance to save loyalty.
Erie also offers an optional rental and roadside bundle that provides additional peace of mind. The coverage is comprehensive and includes protection for personal property, windshield and glass repair, and pet coverage up to $500 per pet. Policyholders have the option of upgrading to Erie Auto Plus to bundle features like a diminishing deductible, expanded transportation expense coverage, and a $10,000 death benefit.
You can save money by choosing certain payment options, vehicle storage and safety features discounts. Erie also offers first accident forgiveness and a Rate Lock Feature to protect against rate increases when you file a claim.
State Farm is well-known for its mobile resources. It also has 19,000 agents all across the country. State Farm has its own network, which includes auto repair shops, and offers 24/7 roadside assistance. This is an excellent choice for those who need extra coverage such as insurance for classic cars, sports cars, and commercial vehicles. If you drive for Uber or Lyft, you can use the rideshare insurance, plus rental and travel expenses insurance if you need help getting back on the road.
State Farm offers two feature programs that can help you save: the Drive Safe and Save program and the telematics-based Steer Clear Discount. You can also get discounts for students, teens, and safe drivers.
Allstate is a good choice if you’re looking for specialty insurance. This insurance provides great coverage for teens and classic cars. It also offers Mexico travel insurance. You can also add personal umbrella policies, PIP insurance, and custom equipment coverage to your policy.
Allstate offers a wide range of discounts including safety features savings and payment incentives. Students may be eligible for good student discounts. Similar to State Farm, Allstate has its own telematics-based Drivewise program that tracks your driving and then rewards you for safe driving.
Chattanooga has the lowest car insurance
There are many factors that go into choosing the best Chattanooga car insurance company. These factors include cost, but also discounts, customer support, financial strength, and other resources. Not only are the best carriers the cheapest, but they also offer well-rounded support and protection.
In looking solely at price, the cheapest car insurance companies differ slightly. Chattanooga car insurance costs $1,300 per year for full coverage. However, there are many companies that have lower averages. They are also significantly cheaper than the average cost of car insurance in Tennessee, which costs $1,338 per year.
These are the most popular carriers in Chattanooga for cheap car insurance. Geico, USAA, and Erie all appear on the list again, but Travelers and Nationwide have some of the lowest rates in Chattanooga.
Insurance requirements for Chattanooga
Based on Tennessee car insurance law, Chattanooga drivers must maintain minimum car insurance to legally operate a vehicle.
All Chattanooga drivers must maintain the following minimum auto insurance:
- $25,000 per injury or death in an accident
- $50,000 per accident for all injuries and deaths
- $15,000 per accident for property damage
You are required to have more than the minimum auto insurance if you lease or finance a vehicle. You may consider buying more auto insurance even if your vehicle is already owned. Your insurance company may be able to help you cover significant losses, rather than you having to make the payments yourself.
Chattanooga car insurance discounts
Several car insurance discounts can help you save money on your car insurance policy:
- Driver discounts: If you are a military member, senior or teen driver, you could be eligible for a discount. Some providers offer discounts to members of specific organizations.
- Safety DiscountsMany companies offer discounts for anti-lock brakes or anti-theft system.
- Payment discounts: Save extra money by paying in full, renewing your quote earlier or receiving paperless statements.
- Customer discountsMany insurance companies offer loyalty and new customer discounts.
These discounts present an easy way to lower your car insurance policy if you are eligible for them.
Questions frequently asked
Which is the best auto insurance company?
The best car insurance companies vary for everyone based on your specific individual needs. The best option for one driver might not be the best for another, depending on factors such as coverage options, budget, credit scores, and driver records.
What is the cost of Chattanooga car insurance?
Chattanooga car insurance averages $391 per year for a minimum coverage policy. A full coverage policy averages $1,300 per annum.
What amount of Chattanooga car insurance do you need?
Chattanooga drivers must have minimum coverage. This covers $25,000 per injury or death, $50,000 per total injury or death, and $15,000 per accident for property damage. Talk to your agent or insurance provider to find the right amount of car insurance for you.