Chattanooga Insurance Rates:

Chattanooga, TN home insurance is about $687 to $931, about $57-$77/month. Our thorough guide indicates shoppers can save as much as $323 by comparing many quotes

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Chattanooga Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Farmers Insurance
Home Insurance Rate of $480/5 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $335,000

5 Beds, 5 Bath 4430 sqft Vacation Property Constructed In 1946 with Carpet Flooring, Asphalt Shingles Roof, Slab Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

42 Years old Married Female who is a Freelancer with household income of more than $150,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 550-599 Credit Score

Home Insurance Rate of $40/2 months for $50000-$75000 Coverage
Policy Holder Home Details :

Home Value : $85,000

2 Beds, 2 Bath 940 sqft Primary Residence Constructed In 2014 with Carpet Flooring, Wood Shake Roof, Chainwall Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

33 Years old Single Female who is a Freelancer with household income of more than $150,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $40/1 month for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $105,000

2 Beds, 2 Bath 1440 sqft Rental Property Constructed In 1986 with Carpet over wood flooring, Shingles Roof, Chainwall Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

45 Years old Married Male who is a Freelancer with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $570/7 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $160,000

3 Beds, 3 Bath 1900 sqft Seasonal Residence Constructed In 1982 with Stone Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Vinyl siding, Wood Frame. Home Features Include Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

25 Years old Single Male who has a Part Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $540/12 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $110,000

3 Beds, 3 Baths 1450 sqft Rental Property Constructed In 1978 with Hardwood Flooring, Tile Roof, Piers Foundation, Stone Siding, Brick Frame. Home Features Include Fireplace, Swimming Pool, Copper Water Pipes, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

56 Years old Divorced Female who is a Freelancer with household income of $75-$100,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $1235/12 months for $249,000 Coverage
Replacement value of 249,000 for the structure, plus 20,000 for the contents. Home is 2,442 sqft and was built in 1985. It is on a golf course and I am the second owner. I bought it in December 2014.
Married for 7 years with a good credit rating. Have a 30 year mortgage at 4.25% with $151,000 remaining. I have 2 kids, don't smoke, and work from home as a writer.

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Chattanooga Rates & Quotes Analysis:

Chattanooga Area Estimated House Insurance
Elaine Trl, Eddings St, Washington St, Lela Ln, Longview Dr, Delong Ave, Bellbrook Dr, Woods View Ct, N Briar Ln, Beason Dr$848
Gorse Ln, W Cherry St, Carriage Parc Dr, Pheasant Run Pl, Crutchfield St, Barn Rd, Westgate Rd, Barbara Ln, Chinkapin Ct, Guild St$863
Maryland Ave, Mulberry St, Hilltop Dr, Wesley Dr, Wiehl St, Outlook Cir, Crescent Park, Longview St, W Bell Ave, Conner Ln$827
Ballard Dr, Hadley Dr, Ridge Bay Dr, Levi Cemetery Rd, Moon St, Long Ave, Winterberry Rd, Monroe St, Dower Rd, Albany St$834
Grove Street Ct, Dumac Rd, Ocoee St Con, Oneal St, Locust Ln, Crutchfield St, Royal Fern Trl, Sidney St, Webb Cir, Fagan St$805
Kelly Rd, Lazy Circles Dr, Oakland Ter N, Columbia St, Southernwood Dr, Provence St, Waterfront Dr, Crest Dr, Brahma Dr, Birmingham Hwy$807
Valerian, E 48th St, W 7th St, Rosetree Dr, E 27th St, Arthur Ln, Gentle Mist Cir, W 11th St, Kellys Ferry Ave, Webb Rd$984
Anita Dr, Dowlen Rd, Hunter Woods Dr, Pershing Rd, Holly Crest Dr, Restoration Dr, N Briar Cir, Hillmont Ln, Carlin St, Homer Rd$890
Carolana Cir, Baskette Way, High Point Dr, Noa St, Norma Dr, Honey Ln, Kensington Dr, Pan Gap Rd, Chase Hunter Trl, South St$805
Valleybrook Cir, 6th Ave, Sleepy Hollow Rd, Darlington Way, Glover Rd, Pine Manor Dr, N Belle Arbor Ave, Robinwood Dr, Blue Oak Dr, Perry Rd$808

Insurance rates are influenced by a number of factors including:

  • Year Built: 12,839 Homes (16% of total homes ) built between 1939 or earlier in Chattanooga are paying home insurance between $1,732-$1,744. Places close to Chattanooga, TN such as Ridgeside, Lakeview(GA), Rossville(GA) are more expensive by $171, $114, $108 respectively while Red Bank and East Ridge are cheaper by $18 and $26 respectively for similar homes.
  • Bedrooms: 29,534 3 bedrooms homes (37% of total homes ) in Chattanooga are paying about $745 and varies from Ridgeside (+$74), Lakeview(GA) (+$31), Rossville(GA) (+$22), Red Bank (-$9) and Ooltewah (-$8).
  • Auto Insurance Bundling: 7,901 Households (20% of all households) in Chattanooga have 3 or more vehicles available and when it is bundled with home insurance you can save $202. Discounts for similar bundling in close by locations such as Ridgeside, Red Bank, East Ridge come to $222, $200, $199 respectively.
  • Senior Discounts: 20,477 seniors (more than 55 years) occupied housing units (53% of total) in Chattanooga get discounts between $121 to $123. The comparative concessions in proximate regions such as Ridgeside, Red Bank and East Ridge are $133, $120 and $119 respectively.
  • New Homes discounts: New homes such as the 27,136 homes built between 2000 to 2009 in Chattanooga can save $161 and similar new home insurance discounts in nearby towns and cities like Ridgeside, Red Bank and East Ridge are $178, $160 and $159 respectively.

Chattanooga Homeowners insurance Facts

  • Chattanooga, TN has 37,986 owner occupied houses which is 54.4% of all units whereas Ridgeside, Red Bank and East Ridge have 97.94%, 49.58% and 56.1% respectively.
  • Chattanooga, TN homeowners yearly insurance price at $809 is 0.59% of the typical house value of $137,800 which is in contrast with 0.3% in Ridgeside, 0.66% at Red Bank & 0.68% in East Ridge.
  • Homeowners in Chattanooga, TN pay 2.94% of their income ($25,000 to $29,999) in insurance whereas homeowners in Ridgeside, Red Bank and East Ridge pay 3.24%, 2.91% and 2.91% respectively.
  • Chattanooga, TN’s insurance is 5.8% of monthly housing costs of $1,165/month, for owners with a mortgage compared to 3.76% in Ridgeside, 6.27% at Red Bank & 6.4% in East Ridge. But, for households without a mortgage, insurance is 16.7% of costs ($404 in Chattanooga, TN) in contrast with 12.61% in Ridgeside, 17.5% at Red Bank & 19.47% in East Ridge.

Chattanooga, TN Home Values & Insurance rates

For example, insurance for 2,764 Homes (7.0% of total homes ) valued between $175,000 to $199,999 in Chattanooga, TN is about $1,100. Rates in nearby areas in such as Ridgeside, Hamilton County, Lookout Mountain are cheaper by $540, $111, $777 respectively while Red Bank and East Ridge are costlier by $140 and $170 respectively for similar homes.

Chattanooga, TN Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 2,716 7.0% $145
$50,000 to $59,999 954 2.0% $307
$60,000 to $69,999 1,745 4.0% $380
$70,000 to $79,999 1,698 4.0% $436
$80,000 to $89,999 2,469 6.0% $493
$90,000 to $99,999 2,317 6.0% $550
$100,000 to $124,999 4,598 12.0% $639
$125,000 to $149,999 4,858 13.0% $800
$150,000 to $174,999 4,334 12.0% $946
$175,000 to $199,999 2,764 7.0% $1100
$200,000 to $249,999 3,335 9.0% $1318
$250,000 to $299,999 2,035 5.0% $1609
$300,000 to $399,999 1,817 5.0% $2046

Renters Insurance in Chattanooga

  • Average Renters Insurance in Chattanooga :  $214($17/month)

  • Median Gross Rent in Chattanooga :  $715

  • Chattanooga Renters Insurance to Median Rent Ratio:  2.38%

  • Renter occupied housing units in Chattanooga :  31,803

Chattanooga Renters Insurance as a Percentage of Rent

Chattanooga Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 1,632 5.0% $353
$200 to $299 1,338 4.0% $803
$300 to $499 3,293 10.0% $1253
$500 to $749 10,747 35.0% $1928
$750 to $999 7,978 26.0% $2678
$1,000 to $1,499 4,238 14.0% $3803
$1,500 or more 991 3.0% $5453

Protective device discount in Chattanooga Up to :  $32

Claims-free discount in Chattanooga Up to :  $42

Chattanooga, TN Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
37404 $98,700 $800
37406 $86,900 $790
37402 $729,200 $1,120
37410 $65,500 $780
37407 $54,900 $770
37405 $191,100 $850
37403 $188,900 $850
37421 $171,300 $840
37419 $161,500 $820
37408 $154,500 $830
37416 $124,700 $810
37409 $112,000 $810
37411 $103,100 $800