Licensed · Chattanooga
Licensed & Insured Insurance Agents in Chattanooga, TN
Every insurance agents listed here carries proper licensing and insurance in TN. Protect yourself — always verify credentials before work begins.
As of May 2026, RatingsNearMe ranks 19 insurance agents in Chattanooga, TN by verified customer ratings and review volume. The highest-rated is Atlas Insurance Agency with a 5.0-star rating from 768 verified reviews. 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 May 17, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
19
Businesses listed
4.8★
Avg rating
249
Avg reviews
May 17, 2026
Last updated
Top Rated Insurance Agents
Atlas Insurance Agency
2245 Olan Mills Dr, Chattanooga, TN 37421, USA
Acceptance Insurance
480 Greenway View Dr #104, Chattanooga, TN 37411, USA
Freeway Insurance
4340 Ringgold Rd #154, Chattanooga, TN 37412, USA
Insurance 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 | Rock Creek Insurance1200 Mountain Creek Rd #441, Chattanooga, TN 37405, USA | 4.9★ | 277 |
| #5 | Insurance Advisors of Tennessee1007 Spring Creek Rd, East Ridge, TN 37412, USA | 4.9★ | 125 |
| #6 | Valor Insurance Brokers620 Cherokee Blvd. #100, Chattanooga, TN 37405, USA | 4.9★ | 358 |
| #7 | Greater Chattanooga Insurance5506 Miller Dr, Chattanooga, TN 37411, USA | 4.9★ | 221 |
| #8 | Stevens Insurance Associates7000 Lee Hwy #900, Chattanooga, TN 37421, USA | 4.9★ | 146 |
| #9 | RSS Insurance6236 Airpark Dr suite b, Chattanooga, TN 37421, USA | 4.6★ | 56 |
| #10 | River City Insurance3320 Dayton Blvd, Chattanooga, TN 37415, USA | 4.8★ | 119 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Insurance Agents in Chattanooga
Rock Creek Insurance
1200 Mountain Creek Rd #441, Chattanooga, TN 37405, USA
Insurance Advisors of Tennessee
1007 Spring Creek Rd, East Ridge, TN 37412, USA
Greater Chattanooga Insurance
5506 Miller Dr, Chattanooga, TN 37411, USA
Stevens Insurance Associates
7000 Lee Hwy #900, Chattanooga, TN 37421, USA
RSS Insurance
6236 Airpark Dr suite b, Chattanooga, TN 37421, USA
River City Insurance
3320 Dayton Blvd, Chattanooga, TN 37415, USA
Elite Insurance Group ,LLC
6229 Vance Rd #115, Chattanooga, TN 37421, USA
Ramsey Family Insurance
5705 Marlin Rd Suite 2007, Chattanooga, TN 37411, USA
Goss Insurance Agency, Inc
4706 Hixson Pike #104, Hixson, TN 37343, USA
Knox Associated Insurance Agency
1402 Altamaha St, Chattanooga, TN 37412, USA
Greta Vaughan - GEICO Insurance Agent
6227 Lee Hwy #131, Chattanooga, TN 37421, USA
RISE Insurance
412 Georgia Ave Suite 202, Chattanooga, TN 37403, USA
Southern Insurance Associates
4525 Hixson Pike, Hixson, TN 37343, USA
Globe Life Liberty National Division: Jackson-McLain Agencies
7625 Hamilton Park Dr #14, Chattanooga, TN 37421, USA
Fields Insurance
3206 Dayton Blvd, Chattanooga, TN 37415, USA
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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.
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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: May 17, 2026.
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