Local Pros · Chattanooga
Local Insurance Agents in Chattanooga, TN
Locally owned and operated insurance agents serving Chattanooga and the surrounding area. Supporting local businesses means faster response and accountability.
As of June 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 June 9, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Chattanooga, TN is home to a variety of insurance agents offering personal and commercial coverage. Consumers can find agents representing major national providers as well as local independent agencies that offer customized policies.
- ✓Diverse selection of insurance agents in Chattanooga, TN
- ✓Agents represent national and local insurance companies
- ✓Consumers can find personalized coverage options
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.
How to Choose a Insurance Agent in Chattanooga
What to look for
- • Insurance agent with experience serving the Chattanooga, TN market
- • Agent who is licensed and in good standing with the Tennessee Department of Commerce & Insurance
- • Agent who specializes in the types of insurance coverage you need (e.g. auto, home, life, etc.)
- • Agent who can provide references from satisfied local customers
Questions to ask
- • How long have you been an insurance agent serving the Chattanooga area?
- • What types of insurance policies do you specialize in?
- • Can you provide me with a few references of local clients you've worked with?
Red flags
- ⚠ Agent who is not licensed or has disciplinary actions against their license
- ⚠ Agent who is pushy or makes you feel pressured to buy
- ⚠ Agent who cannot provide clear explanations of coverage options and pricing
In Tennessee, insurance agents must be licensed by the Department of Commerce & Insurance. Be sure to verify an agent's license is active and in good standing before working with them.
Local Market Snapshot
19
Businesses listed
4.8★
Avg rating
249
Avg reviews
Jun 9, 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 | Greater Chattanooga Insurance5506 Miller Dr, Chattanooga, TN 37411, USA | 4.9★ | 221 |
| #5 | Rock Creek Insurance1200 Mountain Creek Rd #441, Chattanooga, TN 37405, USA | 4.9★ | 277 |
| #6 | Insurance Advisors of Tennessee1007 Spring Creek Rd, East Ridge, TN 37412, USA | 4.9★ | 125 |
| #7 | Valor Insurance Brokers620 Cherokee Blvd. #100, Chattanooga, TN 37405, USA | 4.9★ | 358 |
| #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 June 2026
All Insurance Agents in Chattanooga
5506 Miller Dr, Chattanooga, TN 37411, USA
1200 Mountain Creek Rd #441, Chattanooga, TN 37405, USA
1007 Spring Creek Rd, East Ridge, TN 37412, USA
620 Cherokee Blvd. #100, Chattanooga, TN 37405, USA
7000 Lee Hwy #900, Chattanooga, TN 37421, USA
6229 Vance Rd #115, Chattanooga, TN 37421, USA
5705 Marlin Rd Suite 2007, Chattanooga, TN 37411, USA
4706 Hixson Pike #104, Hixson, TN 37343, USA
1402 Altamaha St, Chattanooga, TN 37412, USA
6227 Lee Hwy #131, Chattanooga, TN 37421, USA
7625 Hamilton Park Dr #14, Chattanooga, TN 37421, 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 | Greater Chattanooga Insurance | 98/100 | 4.9 ★ | 221 |
| 5 | Rock Creek Insurance | 98/100 | 4.9 ★ | 277 |
| 6 | Insurance Advisors of Tennessee | 95/100 | 4.9 ★ | 125 |
| 7 | Valor Insurance Brokers | 90/100 | 4.9 ★ | 358 |
| 8 | Stevens Insurance Associates | 84/100 | 4.9 ★ | 146 |
| 9 | RSS Insurance | 73/100 | 4.6 ★ | 56 |
| 10 | River City Insurance | 81/100 | 4.8 ★ | 119 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · June 2026
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: June 9, 2026.
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