- Average car insurance cost in Chattanooga is $2,326 per year, or $194 per month for full coverage.
- For cheap auto insurance in Chattanooga, TN, small crossovers like the Buick Encore, Hyundai Venue, and Nissan Kicks have some of the cheapest rates.
- A few models with the most affordable car insurance in Chattanooga for their automotive segment include the Jaguar E-Pace, Chevrolet Tahoe, Acura RDX, Toyota GR Corolla, and Nissan Titan.
How much does car insurance cost in Chattanooga?
In Chattanooga, the average cost of car insurance is $2,326 per year, which is 4.6% more than the national average rate of $2,221. Per month, Chattanooga drivers can expect to pay an average of $194 for a full-coverage car insurance policy.
The average cost to insure a vehicle in Tennessee is $2,392 per year, so Chattanooga, TN, drivers pay an average of $66 less per year than the overall Tennessee state-wide average rate. The cost to insure a car in Chattanooga compared to other Tennessee cities is about $58 per year less than in Clarksville, $74 per year less than in Knoxville, and $456 per year cheaper than in Memphis.
Driver age is the factor that has the most impact on the price of car insurance. The list below illustrates these differences by breaking out average car insurance rates for drivers from 16 to 60.
Car insurance cost in Chattanooga, TN, for drivers age 16 to 60
- 16-year-old rated driver – $8,290 per year or $691 per month
- 17-year-old rated driver – $8,033 per year or $669 per month
- 18-year-old rated driver – $7,200 per year or $600 per month
- 19-year-old rated driver – $6,554 per year or $546 per month
- 20-year-old rated driver – $4,684 per year or $390 per month
- 30-year-old rated driver – $2,484 per year or $207 per month
- 40-year-old rated driver – $2,326 per year or $194 per month
- 50-year-old rated driver – $2,064 per year or $172 per month
- 60-year-old rated driver – $1,932 per year or $161 per month
The next chart shows a summary of car insurance rates in Chattanooga for 2024 model year vehicles, averaged for a variety of different driver ages and risk profiles.
Average rates in the chart above range from $1,934 per year for a middle-aged driver who qualifies for a discount rate to $5,352 per year for a 20-year-old driver who is required to buy high-risk auto insurance. The average rate we use for comparison purposes is the 40-year-old safe driver rate, which is an average cost of $2,326 per year in Chattanooga.
As a monthly cost, the average cost to insure a car in Chattanooga ranges from $161 to $446 for the same annual rate data shown in the chart above.
Auto insurance rates are priced differently for every driver and slight changes in driver risk profiles can have significant effects on car insurance cost. Due to the fact that rates are so variable, this stresses the need to get accurate car insurance quotes when shopping around for more affordable car insurance.
The most popular models in Chattanooga tend to be small or midsize sedans like the Toyota Corolla and Toyota Camry and small or midsize SUVs like the Toyota RAV4, Nissan Rogue, and Toyota Highlander.
Other popular vehicles from different automotive segments include luxury models like the Infiniti Q50, Cadillac XT5, and Infiniti QX60 and sports cars like the Ford Mustang, Chevy Corvette, and Porsche 911.
We explore different rates in much more detail a little farther down this article, but before we dive into that data, let’s go over some of the concepts that we have covered so far.
- Average cost per month ranges from $161 to $691 – That’s the average auto insurance cost range for drivers age 16 to 60 in Chattanooga.
- Low deductible auto insurance costs more – A 50-year-old driver pays an average of $968 more per year for $250 deductibles versus $1,000 deductibles.
- Chattanooga auto insurance prices are cheaper than the Tennessee state average – $2,326 (Chattanooga average) versus $2,392 (Tennessee average)
- Auto insurance rates fall significantly from age 20 to 30 – The average 30-year-old Chattanooga, Tennessee, driver will pay $2,200 less each year than a 20-year-old driver, $2,484 compared to $4,684.
- Teen female drivers pay lower rates than teen males – Female drivers age 16 to 19 pay $1,012 to $544 less per year than their male counterparts.
What is the cheapest car insurance in Chattanooga, TN?
When comparing all makes and models, the vehicles with the cheapest average auto insurance prices in Chattanooga, TN, tend to be compact SUVs like the Chevrolet Trailblazer, Kia Soul, and Hyundai Venue.
Average car insurance prices for those small SUVs cost $1,892 or less per year, or $158 per month, for a policy with full coverage.
Additional models that come in near the top in our cost comparison are the Ford Bronco Sport, Volkswagen Tiguan, Buick Encore, and Honda HR-V. Average car insurance rates are slightly higher for those models than the cheapest crossovers and small SUVs that rank at the top, but they still have an average cost of $2,024 or less per year, or around $169 per month in Chattanooga.
The following table breaks down the top 40 cheapest vehicles to insure in Chattanooga, ordered by annual cost.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,720 | $143 |
| 2 | Chevrolet Trailblazer | $1,748 | $146 |
| 3 | Kia Soul | $1,816 | $151 |
| 4 | Nissan Kicks | $1,832 | $153 |
| 5 | Honda Passport | $1,856 | $155 |
| 6 | Buick Envision | $1,866 | $156 |
| 7 | Toyota Corolla Cross | $1,876 | $156 |
| 8 | Hyundai Venue | $1,892 | $158 |
| 9 | Mazda CX-5 | $1,898 | $158 |
| 10 | Ford Bronco Sport | $1,906 | $159 |
| 11 | Volkswagen Tiguan | $1,928 | $161 |
| 12 | Acura RDX | $1,948 | $162 |
| 13 | Nissan Murano | $1,956 | $163 |
| 14 | Buick Encore | $1,978 | $165 |
| 15 | Honda CR-V | $1,984 | $165 |
| 16 | Subaru Outback | $1,984 | $165 |
| 17 | Buick Envista | $1,990 | $166 |
| 18 | Volkswagen Taos | $1,994 | $166 |
| 19 | Kia Niro | $2,004 | $167 |
| 20 | Toyota GR Corolla | $2,022 | $169 |
| 21 | Honda HR-V | $2,024 | $169 |
| 22 | Subaru Ascent | $2,026 | $169 |
| 23 | Nissan Leaf | $2,038 | $170 |
| 24 | Chevrolet Colorado | $2,052 | $171 |
| 25 | Honda Civic | $2,060 | $172 |
| 26 | Lexus NX 250 | $2,060 | $172 |
| 27 | Volkswagen Atlas | $2,066 | $172 |
| 28 | Acura Integra | $2,068 | $172 |
| 29 | Subaru Forester | $2,072 | $173 |
| 30 | Volkswagen Atlas Cross Sport | $2,074 | $173 |
| 31 | Kia Seltos | $2,078 | $173 |
| 32 | GMC Terrain | $2,082 | $174 |
| 33 | Nissan Rogue | $2,092 | $174 |
| 34 | Hyundai Kona | $2,094 | $175 |
| 35 | Mazda CX-30 | $2,098 | $175 |
| 36 | Cadillac XT4 | $2,100 | $175 |
| 37 | Volkswagen ID4 | $2,110 | $176 |
| 38 | Ford Explorer | $2,112 | $176 |
| 39 | Toyota Highlander | $2,118 | $177 |
| 40 | Ford Escape | $2,124 | $177 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Chattanooga, TN Zip Codes. Updated June 27, 2025
A table of 40 ranked vehicles doesn’t really give a complete view of the cost of car insurance. Due to the fact that we track over 700 vehicles, a ton of models get left out. Let’s dig deeper into the data and show the models with the cheapest rates in Chattanooga a slightly different way, by automotive segment.
This next section goes into the average cost of auto insurance for each different vehicle segment. The average rates shown will provide a better understanding of which types of vehicles have the overall best rates. Then the six subsequent sections will break out the most affordable rates for individual models in the more popular segments.
Rates by automotive segment (cars, pickups, SUVs)
If you’re looking around at new or used cars, it’s a good idea to know which kinds of vehicles have less expensive auto insurance rates. As an example, some common questions are if midsize cars cost less to insure than full-size cars or if luxury models have more expensive car insurance than regular vehicles.
The chart below displays average auto insurance rates by segment in Chattanooga. From a segment comparison perspective, compact SUVs, vans, and midsize pickups have the best average car insurance rates, while exotic models have the most expensive insurance rates.
Rates by automotive segment are practical for blanket comparisons, but rates range quite a lot within each automotive segment listed in the chart above.
For example, in the small SUV segment, rates range from the Subaru Crosstrek at $1,720 per year for a full coverage policy to the Ford Mustang Mach-E at $2,724 per year, a difference of $1,004 within that segment.
Also, in the large SUV segment, average rates range from the Chevrolet Tahoe costing $2,186 per year to the Toyota Sequoia costing $2,912 per year.
In the next parts of this article, we eliminate this variability by looking at auto insurance cost in Chattanooga for specific vehicles.
Cheapest car insurance rates in Chattanooga
The top-ranked model in Chattanooga for cheapest average insurance rates in the non-luxury two and four door car segment is the Toyota GR Corolla, coming in at $2,022 per year. Second place is the Nissan Leaf at $2,038 per year, and the third cheapest is the Honda Civic, at an average of $2,060 per year.
Not the cheapest to insure, but still ranked well, are models like the Toyota Corolla, Chevrolet Malibu, Kia K5, and Honda Accord, with average cost of $2,268 per year or less.
Ranking between positions 10 and 20, models like the Nissan Versa, Subaru Legacy, Volkswagen Jetta, Kia Forte, and Mitsubishi Mirage G4 cost between $2,268 and $2,408 per year for auto insurance.
Auto insurance rates in this segment starts at an average of $169 per month, depending on your location.
The rate comparison table below ranks the twenty cars with the lowest-cost average car insurance rates in Chattanooga, starting with the Toyota GR Corolla at $2,022 per year ($169 per month) and ending with the Mazda 3 at $2,408 per year ($201 per month).
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Toyota GR Corolla | Compact | $2,022 | $169 |
| Nissan Leaf | Compact | $2,038 | $170 |
| Honda Civic | Compact | $2,060 | $172 |
| Nissan Sentra | Compact | $2,132 | $178 |
| Subaru Impreza | Compact | $2,138 | $178 |
| Toyota Prius | Compact | $2,174 | $181 |
| Kia K5 | Midsize | $2,242 | $187 |
| Honda Accord | Midsize | $2,250 | $188 |
| Chevrolet Malibu | Midsize | $2,256 | $188 |
| Toyota Corolla | Compact | $2,268 | $189 |
| Kia Forte | Compact | $2,272 | $189 |
| Volkswagen Arteon | Midsize | $2,288 | $191 |
| Nissan Versa | Compact | $2,294 | $191 |
| Subaru Legacy | Midsize | $2,296 | $191 |
| Hyundai Ioniq 6 | Midsize | $2,314 | $193 |
| Mitsubishi Mirage G4 | Compact | $2,350 | $196 |
| Toyota Crown | Midsize | $2,354 | $196 |
| Volkswagen Jetta | Compact | $2,354 | $196 |
| Hyundai Sonata | Midsize | $2,360 | $197 |
| Mazda 3 | Compact | $2,408 | $201 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Chattanooga, TN Zip Codes. Updated June 26, 2025
See our guides for compact car insurance, midsize car insurance, and full-size car insurance to compare rates for all makes and models.
Don’t see insurance rates for your vehicle? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Chattanooga car insurance quotes from top-rated car insurance companies in Tennessee.
Cheapest SUVs to insure in Chattanooga, TN
The Subaru Crosstrek takes the top ranking for the cheapest SUV to insure in Chattanooga, followed closely by the Chevrolet Trailblazer, Kia Soul, Nissan Kicks, and Honda Passport. The 2024 model costs an average of $1,720 per year for a policy with full coverage.
Other models that rank well include the Toyota Corolla Cross, Buick Envision, Hyundai Venue, and Ford Bronco Sport, with average annual insurance rates of $1,906 per year or less.
From a monthly standpoint, auto insurance rates on this segment in Chattanooga for a safe driver starts at an average of $143 per month, depending on the company and where you live.
When ranked by vehicle size, the cheapest compact SUV to insure in Chattanooga is the Subaru Crosstrek at $1,720 per year, or $143 per month. For midsize models, the Honda Passport is the cheapest model to insure at $1,856 per year, or $155 per month. And for large SUVs, the Chevrolet Tahoe is the cheapest model to insure at $2,186 per year, or $182 per month.
The comparison table below ranks the SUVs with the cheapest insurance rates in Chattanooga.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Subaru Crosstrek | Compact | $1,720 | $143 |
| Chevrolet Trailblazer | Compact | $1,748 | $146 |
| Kia Soul | Compact | $1,816 | $151 |
| Nissan Kicks | Compact | $1,832 | $153 |
| Honda Passport | Midsize | $1,856 | $155 |
| Buick Envision | Compact | $1,866 | $156 |
| Toyota Corolla Cross | Compact | $1,876 | $156 |
| Hyundai Venue | Compact | $1,892 | $158 |
| Mazda CX-5 | Compact | $1,898 | $158 |
| Ford Bronco Sport | Compact | $1,906 | $159 |
| Volkswagen Tiguan | Compact | $1,928 | $161 |
| Nissan Murano | Midsize | $1,956 | $163 |
| Buick Encore | Compact | $1,978 | $165 |
| Honda CR-V | Compact | $1,984 | $165 |
| Subaru Outback | Midsize | $1,984 | $165 |
| Buick Envista | Midsize | $1,990 | $166 |
| Volkswagen Taos | Compact | $1,994 | $166 |
| Kia Niro | Compact | $2,004 | $167 |
| Honda HR-V | Compact | $2,024 | $169 |
| Subaru Ascent | Midsize | $2,026 | $169 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Chattanooga, TN Zip Codes. Updated June 27, 2025
See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to compare rates for all makes and models.
Don’t see your vehicle? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Chattanooga car insurance quotes from the best companies in Tennessee.
Cheapest luxury cars to insure in Chattanooga
The four lowest-cost luxury car models to insure in Chattanooga are the Acura Integra at $2,068 per year, BMW 330i at $2,370 per year, Mercedes-Benz CLA250 at $2,394 per year, and Lexus IS 300 at $2,398 per year.
Also ranking in the top 10 are luxury cars like the Lexus ES 350, Mercedes-Benz AMG CLA35, Cadillac CT4, and Lexus RC 300, with average rates of $2,446 per year or less.
Full-coverage car insurance for this segment in Chattanooga for the average driver will start around $172 per month, depending on the company and where you live.
The cheapest small luxury car to insure in Chattanooga is the Acura Integra at $2,068 per year. For midsize luxury cars, the Mercedes-Benz CLA250 is cheapest to insure at $2,394 per year. And for full-size luxury cars, the Audi A5 has the most affordable rates at $2,768 per year.
The next table ranks the luxury cars with the cheapest insurance rates in Chattanooga.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura Integra | Compact | $2,068 | $172 |
| BMW 330i | Compact | $2,370 | $198 |
| Mercedes-Benz CLA250 | Midsize | $2,394 | $200 |
| Lexus IS 300 | Midsize | $2,398 | $200 |
| Acura TLX | Compact | $2,408 | $201 |
| Lexus ES 350 | Midsize | $2,428 | $202 |
| Cadillac CT4 | Compact | $2,430 | $203 |
| Genesis G70 | Compact | $2,436 | $203 |
| Mercedes-Benz AMG CLA35 | Midsize | $2,440 | $203 |
| Lexus RC 300 | Midsize | $2,446 | $204 |
| Lexus IS 350 | Compact | $2,456 | $205 |
| Jaguar XF | Midsize | $2,462 | $205 |
| Cadillac CT5 | Midsize | $2,508 | $209 |
| Lexus ES 250 | Midsize | $2,518 | $210 |
| Lexus RC 350 | Compact | $2,524 | $210 |
| BMW 330e | Compact | $2,528 | $211 |
| BMW 228i | Compact | $2,530 | $211 |
| BMW 230i | Compact | $2,550 | $213 |
| Lexus ES 300h | Midsize | $2,554 | $213 |
| Audi S3 | Compact | $2,610 | $218 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Chattanooga, TN Zip Codes. Updated June 27, 2025
For more luxury car insurance comparisons, see our complete guide for luxury car insurance.
Looking for a different vehicle? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from the best car insurance companies in Tennessee.
Cheapest luxury SUVs to insure
The four highest ranking luxury SUVs with the cheapest average insurance rates in Chattanooga are the Acura RDX at $1,948 per year, Lexus NX 250 at $2,060 per year, Cadillac XT4 at $2,100 per year, and Jaguar E-Pace at $2,176 per year.
Not the cheapest luxury SUVs to insure, but still affordable, are luxury SUVs like the Lexus NX 350h, Mercedes-Benz GLB 250, Lexus NX 450h, and Lincoln Corsair, with average cost of $2,246 per year or less.
Auto insurance rates in Chattanooga for this segment for a safe driver will start around $162 per month, depending on the company.
When vehicle size is factored in, the most budget-friendly compact luxury SUV to insure in Chattanooga is the Acura RDX at $1,948 per year. For midsize 2024 models, the Jaguar E-Pace is cheapest to insure at $2,176 per year. And for full-size luxury SUVs, the Infiniti QX80 is cheapest to insure at $2,610 per year.
The comparison table below ranks the twenty SUVs with the cheapest average auto insurance rates in Chattanooga, starting with the Acura RDX at $1,948 per year ($162 per month) and ending with the Lexus RX 350 at $2,336 per year ($195 per month).
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura RDX | Compact | $1,948 | $162 |
| Lexus NX 250 | Compact | $2,060 | $172 |
| Cadillac XT4 | Compact | $2,100 | $175 |
| Jaguar E-Pace | Midsize | $2,176 | $181 |
| Cadillac XT5 | Midsize | $2,194 | $183 |
| Lexus NX 350h | Compact | $2,196 | $183 |
| Lincoln Corsair | Compact | $2,222 | $185 |
| Mercedes-Benz GLB 250 | Compact | $2,226 | $186 |
| Lexus UX 250h | Compact | $2,232 | $186 |
| Lexus NX 450h | Compact | $2,246 | $187 |
| Infiniti QX50 | Midsize | $2,264 | $189 |
| Mercedes-Benz GLA250 | Compact | $2,268 | $189 |
| Mercedes-Benz GLA35 AMG | Compact | $2,276 | $190 |
| Cadillac XT6 | Midsize | $2,278 | $190 |
| Infiniti QX60 | Midsize | $2,290 | $191 |
| Mercedes-Benz AMG GLB35 | Midsize | $2,292 | $191 |
| Land Rover Evoque | Compact | $2,322 | $194 |
| Acura MDX | Midsize | $2,328 | $194 |
| Lexus NX 350 | Compact | $2,334 | $195 |
| Lexus RX 350 | Midsize | $2,336 | $195 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Chattanooga, TN Zip Codes. Updated June 27, 2025
For more car insurance comparisons, see our guide for luxury SUV insurance.
Looking for rates for a different luxury SUV? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in Tennessee.
Cheapest pickup trucks to insure
The top-ranked vehicle in Chattanooga for cheapest auto insurance rates in the pickup segment is the Chevrolet Colorado, with an average cost of $2,052 per year. Second place is the Nissan Titan at $2,178 per year, in third place is the Nissan Frontier, costing an average of $2,200 per year, and ranking fourth is the Ford Ranger, at an average of $2,224 per year.
Not the cheapest, but still in the top 10, are trucks like the GMC Canyon, Toyota Tacoma, GMC Sierra 2500 HD, and Honda Ridgeline, with an average cost to insure of $2,394 per year or less.
Full-coverage insurance in this segment will start around $171 per month, depending on your location and insurance company. The next table ranks the pickups with the lowest-cost car insurance in Chattanooga, starting with the Chevrolet Colorado at $2,052 per year ($171 per month) and ending with the Ram Truck at $2,692 per year ($224 per month).
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Chevrolet Colorado | Midsize | $2,052 | $171 |
| Nissan Titan | Full-size | $2,178 | $182 |
| Nissan Frontier | Midsize | $2,200 | $183 |
| Ford Ranger | Midsize | $2,224 | $185 |
| Ford Maverick | Midsize | $2,256 | $188 |
| Honda Ridgeline | Midsize | $2,308 | $192 |
| Hyundai Santa Cruz | Midsize | $2,348 | $196 |
| Toyota Tacoma | Midsize | $2,356 | $196 |
| GMC Sierra 2500 HD | Heavy Duty | $2,370 | $198 |
| GMC Canyon | Midsize | $2,394 | $200 |
| Jeep Gladiator | Midsize | $2,452 | $204 |
| GMC Sierra 3500 | Heavy Duty | $2,464 | $205 |
| Chevrolet Silverado HD 3500 | Heavy Duty | $2,490 | $208 |
| Chevrolet Silverado HD 2500 | Heavy Duty | $2,554 | $213 |
| GMC Sierra | Full-size | $2,570 | $214 |
| Nissan Titan XD | Heavy Duty | $2,572 | $214 |
| Chevrolet Silverado | Full-size | $2,576 | $215 |
| Ford F150 | Full-size | $2,604 | $217 |
| GMC Hummer EV Pickup | Full-size | $2,668 | $222 |
| Ram Truck | Full-size | $2,692 | $224 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Chattanooga, TN Zip Codes. Updated June 26, 2025
See our comprehensive guides for midsize pickup insurance and large pickup insurance to view data for pickups not featured in the table.
Need rates for a different pickup model? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Chattanooga car insurance quotes from top-rated car insurance companies in Tennessee.
Cheapest sports car insurance rates
The top four sports cars with the cheapest auto insurance in Chattanooga are the Mazda MX-5 Miata at $2,152 per year, Toyota GR86 at $2,452 per year, Ford Mustang at $2,558 per year, and BMW Z4 at $2,572 per year.
Not the cheapest, but still very affordable, are models like the BMW M2, Toyota GR Supra, Subaru BRZ, and Nissan Z, with average annual insurance rates of $2,782 per year or less.
Some additional models on the list include the Chevrolet Corvette, Porsche 911, Lexus LC 500, and BMW M4, which cost between $2,782 and $3,942 per year for insurance in Chattanooga.
As a cost per month, full-coverage car insurance in this segment starts at an average of $179 per month, depending on your company and location. The comparison table below ranks the sports cars with the cheapest car insurance in Chattanooga, starting with the Mazda MX-5 Miata at $179 per month and ending with the Porsche Taycan at $329 per month.
| Make and Model | Vehicle Type | Annual Premium | Cost Per Month |
|---|---|---|---|
| Mazda MX-5 Miata | Sports Car | $2,152 | $179 |
| Toyota GR86 | Sports Car | $2,452 | $204 |
| Ford Mustang | Sports Car | $2,558 | $213 |
| BMW Z4 | Sports Car | $2,572 | $214 |
| Subaru WRX | Sports Car | $2,608 | $217 |
| Toyota GR Supra | Sports Car | $2,616 | $218 |
| BMW M2 | Sports Car | $2,690 | $224 |
| Nissan Z | Sports Car | $2,696 | $225 |
| Lexus RC F | Sports Car | $2,750 | $229 |
| Subaru BRZ | Sports Car | $2,782 | $232 |
| BMW M3 | Sports Car | $2,940 | $245 |
| Porsche 718 | Sports Car | $2,998 | $250 |
| Chevrolet Camaro | Sports Car | $3,024 | $252 |
| Chevrolet Corvette | Sports Car | $3,226 | $269 |
| Porsche 911 | Sports Car | $3,336 | $278 |
| BMW M4 | Sports Car | $3,474 | $290 |
| Lexus LC 500 | Sports Car | $3,492 | $291 |
| Jaguar F-Type | Sports Car | $3,672 | $306 |
| Mercedes-Benz AMG GT53 | Sports Car | $3,852 | $321 |
| Porsche Taycan | Sports Car | $3,942 | $329 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Chattanooga, TN Zip Codes. Updated June 27, 2025
Don’t see your sports car? Not a problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top-rated car insurance companies in Tennessee.
How to find cheap Chattanooga car insurance quotes
Drivers are often looking to reduce the monthly expense for auto insurance So take a minute to read through the savings tips below and it’s very likely you can save some money on your next policy.
- Shop around for a better deal. Taking a few minutes to get free car insurance quotes can significantly reduce your monthly cost. Companies change rates often and switching companies is very easy to do.
- Remove unneeded coverage on older vehicles. Removing physical damage coverage from older vehicles that are no longer worth much will cut the cost of auto insurance considerably.
- Compare auto insurance rates before buying a car. Different vehicles can have very different insurance premiums, and insurers charge a wide range of prices. Check the cost of insurance before you buy a new car in order to prevent any surprises when you get your insurance bill.
- Avoid accidents to save on Chattanooga car insurance. At-fault accidents increase insurance cost, possibly by an additional $1,126 per year for a 30-year-old driver and even $572 per year for a 60-year-old driver. So be a careful driver and save!
- Obey driving laws to save money. If you want to get cheap car insurance in Chattanooga, it pays to be a safe driver. A couple of minor driving infractions have the consequences of increasing insurance rates by as much as $622 per year. Major misdemeanor violations such as DUI/DWI and leaving the scene of an accident could raise rates by an additional $2,162 or more.