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Best Local Car Insurance Agencies in Chattanooga, TN

Our Recommended Top 12

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Chattanooga Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

108Reviewed

69Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

3320 Dayton Boulevard, Chattanooga, TN 37415

Expertise.com Rating

Review Sources

Google
4.9 (50)
Facebook
5.0 (9)
Yelp
5.0 (2)

Why choose this provider?

Started in 2003, River City Insurance is an independent insurance agency that provides many insurance products in Chattanooga. Owned and operated by Jim Hartley, the insurance agency offers a full range of insurance products like auto, home, life, health, and farm and ranch. Their auto insurance covers liability, comprehensive, roadside assistance, collision, and towing. What started out as a small insurance agency, River City Insurance has grown into a full-size agency with over 1,500 clients. The company is licensed in both Tennessee and Georgia.

  • Multiple Carriers

5506 Miller Drive, Chattanooga, TN 37411
WebsiteLicense: 6007

Expertise.com Rating

Review Sources

Google
4.5 (26)
Facebook
4.7 (7)

Why choose this provider?

Greater Chattanooga Insurance has been providing insurance solutions to the residents of Chattanooga since 1984. Its team of seasoned agents has over 50 years of combined expertise servicing different types of clients, from individuals to families to businesses. One of the team's specialties is crafting policy for car insurance. It protects driving clients against financial loss after an accident. The policy can pay for physical damages, injuries, and any legal responsibility of the policyholder. 24/7 customer support is available.

  • Boats

5340 Ringgold Road, Chattanooga, TN 37412
WebsiteLicense: 2153248

Expertise.com Rating

Review Sources

Google
4.0 (8)

Why choose this provider?

Patriot Insurance Solutions, Inc., is a locally owned and operated agency in Chattanooga that offers auto insurance services to individuals, families, and businesses within the nearby areas. It is an independent agency that represents various insurance carriers to provide customized coverages for clients. Its team of insurance specialists has collective years of experience in assisting clients to understand the insurance policies they need. Additionally, Patriot Insurance Solutions offers life, home, and umbrella insurance.

  • Bundling Option

114 Lee Parkway Drive, Chattanooga, TN 37421
WebsiteLicense: 762592

Expertise.com Rating

Review Sources

Google
4.5 (21)
Facebook
5.0 (8)
Yelp
5.0 (1)

Why choose this provider?

Sunbelt Insurance serves as auto insurance advisors in Chattanooga and the surrounding areas. The business determines auto protection plans suited for drivers and car owners by identifying their risks and needs. Auto insurance coverages protect clients from legal liability and other expenses caused by car accidents, theft, and fire. Its agents also assist car owners in acquiring rental car reimbursement and road assistance coverages. Owner A. Mark Slater Jr. earned the Chattanooga Insurer award in 2002.

  • Bundling Option

3535 Main Street, Jasper, TN 37347
WebsiteLicense: 2416722

Expertise.com Rating

Review Sources

Facebook
4.8 (18)
Google
4.9 (10)

Why choose this provider?

Goggans Insurance - Jasper TN is a company that serves clients in Chattanooga and the surrounding areas. It offers auto insurance policies that include liability coverage, collision insurance, medical coverage, and comprehensive insurance for non-accident events. In addition, it protects individuals from damages caused by underinsured or uninsured vehicle owners. The company has been in operation since 1987. It has since been working with various insurance carriers as an independent agency, such as The Hartford, Liberty Mutual, Travelers, and Safeco.

  • Motorcyle & ATV

4159 Ringgold Road, Chattanooga, TN 37412
WebsiteLicense: 2284785

Expertise.com Rating

Review Sources

Google
5.0 (35)
Facebook
5.0 (7)

Why choose this provider?

Insurance Advisors of Tennessee is an independent agency located in Chattanooga. Aaron Dixon, the company president, has been in the industry for over 11 years specializing in business and health insurance. With its team of professionals, the firm can accommodate individuals, families, and businesses in the area. They protect their clients' most valuable assets such as life and health and home and car insurance. Its client may also opt to combine policies to maximize their savings.

  • Motorcyle & ATV

2245 Olan Mills Drive, Chattanooga, TN 37421
WebsiteLicense: 2237792

Expertise.com Rating

Review Sources

Google
5.0 (97)
Facebook
4.9 (43)

Why choose this provider?

Atlas Insurance Agency - Olan Mills is a locally owned insurance service provider based in Chattanooga. The business has a team with 50 years of combined insurance experience helping drivers and car owners protect their assets. Its agents offer tailored insurance plans for high-risk cars, new luxury cars, and old economy cars. Additionally, the independent company is considered one of the top insurance agencies for seven consecutive years in Chattanooga.

  • Bundling Option

5705 Marlin Road, Chattanooga, TN 37411
WebsiteLicense: 4704

Expertise.com Rating

Review Sources

Google
4.4 (74)
Facebook
5.0 (1)

Why choose this provider?

Ramsey Family Insurance, owned and operated by Brian and Gray Ramsey, has been providing insurance solutions to the Chattanooga area for more than 30 years. Brian and Gray both specialize in the policies issued to commercial and personal lines. These include home and renters, auto, and business insurance policies. The insurance firm can handle auto policy for personal cars, commercial automobiles, recreational vehicles, and off-road vehicles. Ramsey Family Insurance is committed to helping its clients through every step of the process.

  • Boats
  • Motorcyle & ATV

620 North Kentucky Street, Chattanooga, TN 37763
WebsiteLicense: 771571

Expertise.com Rating

Review Sources

Google
4.9 (114)
Facebook
5.0 (20)

Why choose this provider?

Josh Igou is a State Farm insurance agent that serves clients in Chattanooga and other cities. Igou offers auto insurance products for new drivers, vehicle owners, and businesses. These insurance policies help protect clients against financial loss in the event of an accident, theft, vandalism, or fire. Igou has been helping clients across Tennessee, Alabama, Kentucky, and Virginia with their insurance needs since 2000. His mission is to provide quality insurance and financial services.

  • Bundling Option

729 Watkins Road, Chattanooga, TN 37801
WebsiteLicense: 2327775

Expertise.com Rating

Review Sources

Google
4.9 (151)

Why choose this provider?

Misty Castiglia provides financial protection for Chattanooga residents. Together with her team, Castiglia offers a range of insurance products including auto insurance. The agents create car insurance plans that may include coverage for medical payments, travel expenses, emergency road services, and damages caused by collisions, theft, and fire. Castiglia's team has more than 30 years of combined industry experience. In addition to Tennessee, the agents are also licensed to serve in North Carolina, Georgia, and Kentucky.

  • Boats

1200 Mountain Creek Road, Chattanooga, TN 37405
WebsiteLicense: 2361478

Expertise.com Rating

Review Sources

Google
5.0 (150)
Facebook
5.0 (6)

Why choose this provider?

Rock Creek Insurance is a team of agents based in Chattanooga. The company offers a wide range of insurance products including auto insurance. The professionals provide car owners with insurance plans that cover a policyholder's financial responsibility for injuring others and damages resulting from collision, fire, or theft. They work with various insurance providers such as The Hartford, Travelers, Encompass, and Chubb. Rock Creek Insurance accommodates Hispanic clients. Its president, Christina Nuar, carries over a decade of industry experience.

  • Bundling Option

122 Lee Parkway Drive, Chattanooga, TN 37421
WebsiteLicense: 2362534

Expertise.com Rating

Review Sources

Google
5.0 (3)

Why choose this provider?

Located in Chattanooga, Insurance Services, LLC, specializes in auto, boat, RV, home, flood, and life insurance products. The company works with a range of insurance providers. It evaluates the clients' individual needs before looking for the right insurance policy and coverages that will suit their requirements and budget. The team consists of four insurance experts who also provide personalized business assessments. They have years of experience in helping people protect their investments from unforeseen incidents.

  • Multiple Carriers
  • RV & Motorhome
  • Boats

Compare our Top Local Car Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
River City Insurance
3320 Dayton Boulevard, Chattanooga, TN 37415
Greater Chattanooga Insurance
5506 Miller Drive, Chattanooga, TN 37411
Patriot Insurance Solutions, Inc.
5340 Ringgold Road, Chattanooga, TN 37412
Sunbelt Insurance
114 Lee Parkway Drive, Chattanooga, TN 37421
Goggans Insurance - Jasper TN
3535 Main Street, Jasper, TN 37347
Insurance Advisors of Tennessee
4159 Ringgold Road, Chattanooga, TN 37412
Atlas Insurance Agency - Olan Mills
2245 Olan Mills Drive, Chattanooga, TN 37421
Ramsey Family Insurance
5705 Marlin Road, Chattanooga, TN 37411
Josh Igou
620 North Kentucky Street, Chattanooga, TN 37763
Misty Castiglia
729 Watkins Road, Chattanooga, TN 37801
Rock Creek Insurance
1200 Mountain Creek Road, Chattanooga, TN 37405
Insurance Services
122 Lee Parkway Drive, Chattanooga, TN 37421

Chattanooga, TN Car Insurance Agency FAQs

  • What is the car insurance system in Chattanooga for addressing accidents and determining liability?

    Chattanooga follows a "fault" car accident system. This means that the driver who is at fault for causing an accident is responsible for any resulting harm or property damage. Accident victims in Tennessee have three options: they can file a claim with their own insurance provider, initiate a third-party claim with the at-fault driver's insurer, or pursue a personal injury lawsuit against the responsible driver in a civil court proceeding.

  • Does the number of miles driven affect your car insurance premiums in Chattanooga?

    Yes. The number of miles you drive in Chattanooga can impact your car insurance rates. If you drive over 20,000 miles annually, you may pay around five percent more on average compared to drivers covering 7,500 miles or less. It means that individuals using their cars for short, local trips instead of lengthy commutes often qualify for lower premiums. Fewer miles and reduced time on high-risk roads lower accident risks, earning drivers more affordable insurance rates.

  • What is the minimum auto insurance required in Chattanooga?

    In Chattanooga, the minimum auto insurance requirements include liability coverage. This comprises up to $50,000 in medical liability per auto accident and either $15,000 or $25,000 in property liability. Note that these are minimum requirements, and drivers may choose to purchase additional coverage for enhanced protection, which is often advisable given the potential costs of accidents exceeding these limits.

  • What are the coverage options for car insurance in Chattanooga?

    In Chattanooga, car insurance provides coverage options including medical payments, personal injury protection, uninsured/underinsured motorist coverage, collision and comprehensive, liability, and additional options like towing and rental reimbursement. Drivers can tailor their coverage to suit their individual requirements and consider various factors, like their deductible budget, vehicle value, and risk tolerance.

  • What are the penalties for driving without insurance in Chattanooga?

    If you are caught driving without insurance in Chattanooga, you will be required to pay a $25 coverage failure fee within 30 days. Failing to pay results in an additional $100 coverage failure fee, along with the possibility of registration suspension or revocation. To reinstate your registration, you may also need to pay a reinstatement fee of up to $25. It's important to have insurance to avoid these consequences and ensure legal compliance while driving.