Auto Insurance
Drive Confidently Through Chattanooga and Beyond
Affordable Auto Insurance Backed by Real Local Support
Patriot Insurance Solutions makes it easy for Tennessee drivers to get car insurance that fits—not just the legal minimums, but your real life. As an independent insurance agency based in Chattanooga, we work with multiple nationwide carriers to help you compare coverage options and rates, so you’re never locked into a one-size-fits-all policy. Whether you're commuting
on I-75, navigating the roads of Lookout Mountain, or heading into Dalton, GA or Huntsville, AL, we’ll help you stay protected, compliant, and confident behind the wheel.
Built for the Road Ahead—Wherever You Drive
Liability Coverage
Many states, including Tennessee, require drivers to carry minimum liability limits of $25,000 per person, $50,000 per accident for bodily injury, and $25,000 for property damage. We recommend drivers choose higher limits for better protection. Liability covers others if you cause an accident—and it's a foundational part of any policy.
Collision Coverage
Collision pays to repair or replace your vehicle after an accident—regardless of who was at fault. It's especially important, and often required, if you're financing or leasing a newer car or truck.
Comprehensive Coverage
From hailstorms in Hixson to deer on the backroads near Ooltewah, comprehensive coverage helps pay for non-collision damage like weather events, vandalism, or theft.
Uninsured/Underinsured Motorist Coverage
Not everyone on the road is properly insured. With one in seven drivers uninsured —this coverage helps protect you if you're hit by someone without enough coverage no matter the state.
Medical Payments (MedPay)
MedPay helps cover medical bills for you and your passengers after an accident, regardless of who was at fault. It’s a smart add-on that can offer peace of mind in the event of injury that health insurance may not cover.
Optional Add-Ons
Ask about Roadside Assistance, Rental Car Reimbursement, Gap Insurance for financed vehicles, and custom parts coverage. We’ll build your plan around your driving habits and needs.
How patriot Drivers Can Save on Car Insurance
Multi-Policy Discounts
You could save big when you bundle your auto coverage with homeowners insurance or other personal policies. We’ll help you find and apply all available discounts.
Safe Driver Discounts
Clean driving records often unlock savings. We reward responsible driving with lower rates—no tracking apps required unless you want them.
Good Student & Military Discounts
We offer special discounts for students with strong grades, active duty military, and veterans living in Chattanooga and beyond.
We Know Chattanooga Roads Better Than a Map App
From Signal Mountain switchbacks to East Brainerd stop-and-go traffic, your driving experience around Chattanooga affects your risk—and your rates. We understand the unique road conditions, weather patterns, and vehicle needs in Hamilton County and beyond. Whether you’re mostly in city traffic, rural backroads, or crossing state lines for work in Georgia or Alabama, we tailor your auto insurance accordingly.
We also know the best ways to protect your car from real regional risks—like flooding near the Chickamauga Creek or fallen limbs during windstorms. That kind of local insight is hard to get from an 800-number.
How to Compare Auto Insurance Policies (The Right Way)
Understand Your Limits
Don’t settle for minimum state coverage if it won’t fully protect you in a serious accident. We’ll walk you through your risk and help you choose appropriate liability and deductibles.
Ask About Coverage Gaps
Many drivers don’t realize that personal auto policies don’t cover delivery work, rideshare driving, or certain business use. Let us know how you use your vehicle—we’ll make sure there are no surprises.
Review Every Few Years
Life changes—so should your policy. Whether you’ve moved, added a driver, paid off your car, or changed jobs, we’ll help you review your plan regularly to keep it current and cost-effective.
Auto Insurance FAQs
What are the minimum auto insurance requirements in Tennessee, Georgia, and Alabama?
All three states in the tri-state area require a minimum of 25/50/25 liability coverage: $25,000 for injury to one person, $50,000 per accident, and $25,000 for property damage. However, these limits may not cover serious accidents. We typically recommend higher limits for better protection, especially if you own a home, have savings, or want to avoid out-of-pocket risk. Our team will help you strike the right balance between affordability and protection.
Do I need “full coverage” if my car is financed or leased?
Yes. If your vehicle is leased or financed, most lenders require you to carry both collision and comprehensive coverage with a max $1000 deductible. “Full coverage” is a general term that usually means you have liability, collision, and comprehensive protections. We’ll help you understand what’s required under your loan agreement and ensure you’re compliant—without paying for things you don’t need.
How can I lower my car insurance premium?
There are several ways to reduce your premium without compromising coverage. Bundling policies (like auto and home insurance), raising your deductible, maintaining a clean driving record, and asking about available discounts can all help. We’ll do the comparison shopping for you and find the best combination of value and protection.
Is uninsured motorist coverage really necessary?
In our opinion—yes. Most states, including Tennessee, Georgia, and Alabama, have a relatively high percentage of uninsured or underinsured drivers, and if one of them hits you, you could be left paying the difference. Uninsured motorist coverage is not expensive and can be a financial lifesaver in serious accidents. We strongly recommend it for most of our clients and do not often sell a policy without it.
What if I drive for Uber, DoorDash, Walmart Spark, or Amazon Flex?
Most personal auto insurance policies do not cover delivery or rideshare driving. That includes apps like Uber, Lyft, Instacart, Grubhub and other delivery services. If you’re using your car for commercial purposes, let us know—we can help you find a policy that bridges the gap or add endorsements that keep you fully protected on the job.