Top Picks · Chattanooga
Best Insurance Agents in Chattanooga, TN
Rated and reviewed by real customers. Compare prices, read reviews, and call the top pros near you — for free.
As of July 2026, RatingsNearMe ranks 19 insurance agents in Chattanooga, TN by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Atlas Insurance Agency with a 5.0-star rating from 768 Google reviews and an RNM Score of 100/100. Also in the top tier: Acceptance Insurance and Freeway Insurance. The average rating across all listed insurance agents in Chattanooga is 4.8 stars from 249 reviews per business on average.
Insurance in Chattanooga: agents are typically paid by commission (5–15% of premium) — no cost to you to compare quotes.
Rankings updated July 4, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
Rock Creek Insurance
It consistently ranks highest among Chattanooga agents for customer satisfaction and comprehensive coverage options.
Most Reviewed
Greater Chattanooga Insurance
A high number of reviews indicates broad community trust and a proven track record of service.
When choosing an insurance agent in Chattanooga, consider both reputation and local expertise; always compare quotes from multiple agencies to ensure you get the best coverage for your needs.
Local Market Snapshot
19
Businesses listed
4.8★
Avg rating
249
Avg reviews
Jul 4, 2026
Last updated
Top Rated Insurance Agents
Chattanooga's most trusted insurance agent with a perfect 5.0★ rating from 768 reviews.
2245 Olan Mills Dr, Chattanooga, TN 37421, USATop-rated Chattanooga insurance agent with 4.8 stars from 378 reviews.
480 Greenway View Dr #104, Chattanooga, TN 37411, USAChattanooga insurance agent with a perfect 5.0-star rating from over 800 reviews.
4340 Ringgold Rd #154, Chattanooga, TN 37412, USAInsurance Agents Rankings in Chattanooga, TN
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Atlas Insurance Agency2245 Olan Mills Dr, Chattanooga, TN 37421, USA | 5.0★ | 768 |
| #2 | Acceptance Insurance480 Greenway View Dr #104, Chattanooga, TN 37411, USA | 4.8★ | 378 |
| #3 | Freeway Insurance4340 Ringgold Rd #154, Chattanooga, TN 37412, USA | 5.0★ | 811 |
| #4 | Globe Life Liberty National Division: Jackson-McLain Agencies7625 Hamilton Park Dr #14, Chattanooga, TN 37421, USA | 4.9★ | 319 |
| #5 | Knox Associated Insurance Agency1402 Altamaha St, Chattanooga, TN 37412, USA | 4.8★ | 254 |
| #6 | Stevens Insurance Associates7000 Lee Hwy #900, Chattanooga, TN 37421, USA | 4.9★ | 146 |
| #7 | River City Insurance3320 Dayton Blvd, Chattanooga, TN 37415, USA | 4.8★ | 119 |
| #8 | Fields Insurance3206 Dayton Blvd, Chattanooga, TN 37415, USA | 4.9★ | 111 |
| #9 | Ramsey Family Insurance5705 Marlin Rd Suite 2007, Chattanooga, TN 37411, USA | 4.3★ | 107 |
| #10 | RSS Insurance6236 Airpark Dr suite b, Chattanooga, TN 37421, USA | 4.6★ | 56 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Insurance Agents in Chattanooga
A trusted Chattanooga insurance agent with a flawless 4.9-star average from 319 reviews.
7625 Hamilton Park Dr #14, Chattanooga, TN 37421, USA
Exceptional 4.8-star rating from over 250 local Google reviews.
1402 Altamaha St, Chattanooga, TN 37412, USA
4.9-star rating from 146 Google reviews reflects exceptional local customer satisfaction.
7000 Lee Hwy #900, Chattanooga, TN 37421, USA
Trusted by hundreds of customers with a stellar 4.8-star rating in Chattanooga.
3320 Dayton Blvd, Chattanooga, TN 37415, USA
Rated 4.9 stars from 111 Google reviews, this Chattanooga agent is highly trusted.
3206 Dayton Blvd, Chattanooga, TN 37415, USA
Trusted locally with a 4.3-star rating from over 100 reviews.
5705 Marlin Rd Suite 2007, Chattanooga, TN 37411, USA
Rated 4.6 stars from 56 Google reviews by local clients in Chattanooga.
6236 Airpark Dr suite b, Chattanooga, TN 37421, USA
5.0 stars from 55 Google reviews, consistently exceptional customer feedback.
412 Georgia Ave Suite 202, Chattanooga, TN 37403, USA
Rated 4.9 stars from 29 Google reviews, this Chattanooga insurance agent is highly trusted.
4525 Hixson Pike, Hixson, TN 37343, USA
Trusted locally with a solid 4.3★ rating from hundreds of reviews.
6227 Lee Hwy #131, Chattanooga, TN 37421, USA
Rated 4.9 stars from 33 Google reviews, this Chattanooga insurance agent is highly trusted.
6229 Vance Rd #115, Chattanooga, TN 37421, USA
Chattanooga insurance agent with a 4.9-star rating from over 125 Google reviews.
1007 Spring Creek Rd, East Ridge, TN 37412, USA
Trusted by hundreds, this Chattanooga insurance agent holds a stellar 4.9-star rating.
620 Cherokee Blvd. #100, Chattanooga, TN 37405, USA
Rated 4.9 stars from over 220 Google reviews, this Chattanooga agent is highly trusted.
5506 Miller Dr, Chattanooga, TN 37411, USA
Chattanooga's top-rated insurance agent with a 4.9★ average from 277 reviews.
1200 Mountain Creek Rd #441, Chattanooga, TN 37405, USA
Trusted by hundreds of Chattanooga clients with a strong 4.7-star average rating.
4706 Hixson Pike #104, Hixson, TN 37343, USA
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Insurance Agents in Chattanooga, TN — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Atlas Insurance Agency | 100/100 | 5.0 ★ | 768 |
| 2 | Acceptance Insurance | 97/100 | 4.8 ★ | 378 |
| 3 | Freeway Insurance | 88/100 | 5.0 ★ | 811 |
| 4 | Globe Life Liberty National Division: Jackson-McLain Agencies | 87/100 | 4.9 ★ | 319 |
| 5 | Knox Associated Insurance Agency | 85/100 | 4.8 ★ | 254 |
| 6 | Stevens Insurance Associates | 84/100 | 4.9 ★ | 146 |
| 7 | River City Insurance | 81/100 | 4.8 ★ | 119 |
| 8 | Fields Insurance | 82/100 | 4.9 ★ | 111 |
| 9 | Ramsey Family Insurance | 72/100 | 4.3 ★ | 107 |
| 10 | RSS Insurance | 73/100 | 4.6 ★ | 56 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · July 2026
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Frequently Asked Questions — Insurance Agents in Chattanooga
What is the difference between a captive and independent insurance agent in Chattanooga?
Captive agents (State Farm, Allstate, Farmers) represent one company and can only quote that carrier's products. Independent agents work with multiple carriers — they shop your policy across companies to find the best rate and coverage for your situation. For most consumers, an independent agent offers more flexibility. Captive agents may have deeper expertise in their specific carrier's products and claims process.
How do I verify an insurance agent's license in TN?
Search the TN Department of Insurance's online license lookup — Google "TN Department of Insurance license lookup" for the direct link. You can verify current license status, license type, and any disciplinary actions. Every agent selling insurance in TN must be licensed with the state.
How much does working with a local insurance agent in Chattanooga cost?
In most cases, nothing directly. Insurance agents earn commissions paid by the insurance company — typically 5–15% of your annual premium for property/casualty coverage, 40–100% of first-year premium for life insurance. Fee-based agents charge separately and disclose it upfront. Always ask how your agent is compensated so you understand any potential incentives.
Should I buy insurance online or through a local agent in Chattanooga?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Chattanooga adds real value for homeowners insurance, life insurance, commercial policies, or any situation with complexity — rental properties, high-value items, home-based businesses, or coverage gaps. They also advocate for you during a claim, which online portals don't.
How are the insurance agents on this page ranked?
Rankings use a transparent algorithm: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Featured Partner listings have paid for enhanced visibility but must still earn their position through real customer reviews — sponsored listings are clearly labeled.
Insurance Agents in Nearby Cities
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How Rankings Work on This Page
Every insurance agents on RatingsNearMe is scored transparently: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Businesses labeled exclusive or premium are Featured Partners — they have paid for enhanced visibility but must still rank through real customer reviews. We cap sponsored boosts so bad businesses can never buy the top spot.
Editorial notice: Ratings are based on publicly available data from Google Business listings. Consumers should independently verify licensing, insurance, and credentials before hiring any service provider. Last updated: July 4, 2026.
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