Allstate Insurance Agent
Kristy Higgins, Chattanooga, TN

7011 Shallowford Rd,

Ste 104

Chattanooga, TN 37421

Call

(423) 892-0653to quote by phone

Call

(423) 892-0653to quote by phone

Call

(423) 892-0653to quote by phone

Call

(423) 892-0653to quote by phone

Select a product to get a quote

Landlords & Hosts insurance

Motorcycle insurance

ATV insurance

Location Details

Office Hours

Day of the Week	Hours
Mon	Available by appointment8:30 AM - 5:30 PM
Tue	Available by appointment8:30 AM - 5:30 PM
Wed	Available by appointment8:30 AM - 5:30 PM
Thu	Available by appointment8:30 AM - 5:30 PM
Fri	Available by appointment8:30 AM - 5:30 PM
Sat	Available by appointment
Sun	Closed

After-hours appointments available.

Available 24/7 at

(423) 892-0653

7011 Shallowford Rd,
Ste 104
Chattanooga, TN 37421
US

Map of 7011 Shallowford Rd in Chattanooga

Landmarks

Directly across Shallowford Rd from Eyear Optical and next door to Cloudland Dental

Areas Served

Chattanooga, East Brainerd, Hamilton Place, Ooltewah, Collegedale, Hamilton County, North Georgia, Hixson, North Chattanooga, Ringgold, Apison, Nashville, East Tennessee, Middle Tennessee, Georgia, Alabama

Languages

English

Social

Kristy Higgins: Allstate Insurance

Local Allstate Insurance Agent: Kristy Higgins

I'm proud to run a woman-owned business!

Licensed Agent - Hannah Hackett

Kristy gives blood at Blood Assurance every 8 weeks!

Stop by for some swag!

I’ve gotten to know many local families as an Allstate agent in Chattanooga. I enjoy being a part of the community, and building local relationships is one of the best parts of my job. I know what life is like here in Chattanooga – that you choose your car and your home to fit your lifestyle and your budget. I also know how important it is to do the same when it comes to insurance. I look forward to getting to know you and helping you to find the solutions that meet your needs.

Part of what I like best about my job is that I can offer customers options for a wide variety of coverage and services. You can depend on me to help you look at the big picture.

I’m committed to helping Chattanooga residents assess their immediate and long-term needs and choose options that will help them achieve their goals. When you want to explore options for protecting your home, personal property, or financial future, I’m available to answer your questions. If you’re already a customer, I’m ready to review your coverage so that you can make any necessary adjustments to fit your changing needs. Call me today.

Part of what I like best about my job is that I can offer customers options for a wide variety of coverage and services. You can depend on me to help you look at the big picture.

Products we offer:

Car Insurance Agent in Chattanooga
Car Insurance Agent in Chattanooga
Helps protect you and your vehicle if you’re involved in a car accident. At a minimum, you’ll likely need bodily injury liability and property damage liability to meet state auto insurance coverage requirements and help protect your finances if you cause an accident that injures another driver or damages their property. We also offer uninsured motorist coverage to help with your expenses if you’re hit by a driver without insurance. If you’re looking for coverage to help protect your vehicle, you might want to consider collision coverage and comprehensive coverage, which help pay repair costs if your car is damaged in a covered loss. And, optional coverages, like new car replacement coverage or loan/lease gap coverage help protect your investment in a brand-new car. I can help you choose a combination of coverages that fulfill state requirements and meet your needs. Give me a call to get a car insurance quote today!
get a quote
Home Insurance Agent in Chattanooga
Home Insurance Agent in Chattanooga
Helps provide protection for your house (dwelling) and your family’s liability as well as the things you own in and around your home such as “other structures” (detached garage, fence, etc.), your personal property (furniture, clothing, etc.) against covered perils such as fire, theft, wind/hail and more. Call me today for a homeowners insurance quote and I’ll help you get the protection your home needs and the savings you deserve with our money-saving discounts.
get a quote
Condo Insurance Agent in Chattanooga
Condo Insurance Agent in Chattanooga
Helps protect the portion of your condo, co-op or townhome for which you are responsible for (inside structure, permanent fixtures, cabinets, etc.) with dependable coverage. Condo policies are HO-6 compliant, and cover family liability and personal belongings against covered perils such as fire, theft, vandalism and more. Contact me today for a quote!
get a quote
Renters Insurance Agent in Chattanooga
Renters Insurance Agent in Chattanooga
Helps protect your personal belongings inside or outside your apartment from accidents such as, fire, theft, vandalism, and cover family liability. Give me call today to review what type of coverage makes sense for where you live and what you own.
get a quote
Landlords & Hosts Insurance Agent in Chattanooga
Landlords & Hosts Insurance Agent in Chattanooga
Helps protect the structure of your rental property, from covered accidents such as fire, wind/hail, vandalism and more. It also offers protection for the liability you might face as an owner. Let’s chat about the right coverage for your additional property!
get a quote
Motorcycle Insurance Agent in Chattanooga
Motorcycle Insurance Agent in Chattanooga
Our motorcycle policies include the basic coverage you may need, like liability coverage, which includes passenger liability coverage and uninsured motorist coverage. You can further customize your motorcycle policy with collision coverage and comprehensive coverage to help protect your bike. And, if you have a customized ride, you can help protect your aftermarket gear with optional equipment coverage. Contact me to learn about motorcycle insurance discounts and to get started with a quote for a policy that fits your needs.
get a quote
Business Insurance Agent in Chattanooga
Business Insurance Agent in Chattanooga
Allstate Business Insurance protects your business in ways other insurance might not. A business owners policy (BOP) usually includes three common types of coverage to help protect you and your small business: property coverage, general liability coverage and business interruption coverage. In addition to these basic coverages, the Allstate Business Owners Policy can be customized with additional protection to help cover more aspects of your business. I can help you tailor a policy to fit your small business’s needs. As a small business owner myself, I understand how important it is to protect what you’ve worked so hard to build. Call me for a free review of your current business policy and to learn more about insurance solutions to help protect you, your business and your employees.
Life Insurance Agent in Chattanooga
Life Insurance Agent in Chattanooga
Protect the life you want, for those that matter most. A life insurance policy can help provide financial security for your loved ones by covering expenses like the mortgage, college tuition, and other everyday living costs. Call me today to learn about the different types of coverage Allstate offers.
ATV Insurance Agent in Chattanooga
ATV Insurance Agent in Chattanooga
Help protect yourself and your all-terrain vehicle against the unexpected. We offer bodily injury liability coverage and property damage liability coverage on your ATV insurance policy. If you injure someone else or damage their property while driving your ATV, liability coverage helps pay the other person’s medical or repair bills. If your ATV is damaged in a crash, collision coverage may help. Collision coverage for your ATV helps pay for repairs if you hit another object, such as a fence or a tree. Finally, you may want to consider comprehensive coverage for your ATV in case it’s stolen, vandalized or damaged by hail or fire. Give me a call to get a quote on an ATV insurance policy today!
get a quote
Boat Insurance Agent in Chattanooga
Boat Insurance Agent in Chattanooga
Helps cover your boat on and off the water. Watercraft liability coverage helps pay for another person’s expenses if you injure them or damage their property with your boat. If you’re injured in a boating accident, watercraft medical payments coverage helps pay for your medical bills. Need to repair damage to your boat after an accident? Property coverage for your boat helps cover a crash with another boat or object (like a pier or buoy). It also helps cover theft, vandalism or fire. Help protect your boat against these covered perils during the on- and off-season. We also offer additional coverage for things like your boat trailer, fishing equipment and even towing or fuel delivery when you’re stranded. Need a boat insurance quote? Give me a call today!

30+

Years in the
Community

Your Local Allstate Team

Hannah Hackett

Licensed Producer

Trained as a Chiropractor, Hannah brings a wealth of knowledge and compassion to her role here now in the agency. She can be counted upon to bring a healthy dose of humor to any situation and she grounds us with her thoughtful ap

Ken Mara

Licensed Producer

As the former Agent and Agency Owner, Ken is beloved by customers, fellow agents and our own team members. His experience grounds us and his willingness to share his knowledge is a blessing. As a lifelong resident of Chattanooga, Ken has relationships across the city and the industry and he has the maturity to bring those relationships to bear on the help that he has to offer in multiple situations.

Marian Jackson-Waller

Licensed Producer

Marian joined the team just a few months ago and we couldn't be happier to have her with us! After managing in food service for many years, she's happy to have a consistent daytime schedule and we're happy to have her calm demeanor and excellent lunch ideas. She's already brought fresh ideas to the office and made a big impact on our ability to serve more people every single day.

Allstate Insurance Agent Reviews

blake burba

May. 22, 2026

Agent Response

Thank you for your positive feedback Blake! We're

Thank you for your positive feedback Blake! We're thrilled to hear that you had a great experience with our agency. Your trust in us is greatly appreciated, and we're here to assist you whenever you need.

kelvin billingsley

Mar. 15, 2026

Very good customer service . Was very comfortable changing my insurance to Allstate with Kristy Higgins . They explaine

Very good customer service . Was very comfortable changing my insurance to Allstate with Kristy Higgins . They explained everything in detail and I’m glad I made the change. Was with my previous insurance company for 32 years .

Agent Response

Thank you, Kelvin, for your kind words and for cho

Thank you, Kelvin, for your kind words and for choosing to switch to Allstate after 32 years with your previous insurer. We're thrilled to hear that you felt comfortable and well-informed during the process. Your trust means a lot to us!

bruce schuman

Mar. 3, 2026

Good

Agent Response

Thank you, Bruce, for your feedback and for choosi

Thank you, Bruce, for your feedback and for choosing us for your insurance needs. We're glad to hear you had a positive experience. If you have any suggestions for improvement, feel free to reach out to kristyhiggins@allstate.com. I would love to hear how we can get to 5 stars in your book. We appreciate your support!

donald bryson

Feb. 17, 2026

Agent Response

Thank you, Donald, for your positive feedback and

Thank you, Donald, for your positive feedback and for being a valued customer. We're thrilled to know you're satisfied with our service. Your trust in us is greatly appreciated. If you ever need assistance, feel free to reach out.

johnny shetter

Feb. 13, 2026

Agent Response

Thank you, Johnny, for your wonderful feedback! We

Thank you, Johnny, for your wonderful feedback! We're thrilled to hear that you had a positive experience with us. Your trust and satisfaction are our top priorities. If you ever need assistance, feel free to reach out. We appreciate your support!

kendall mroz

Feb. 5, 2026

Agent Response

Thank you, Kendall, for your wonderful feedback an

Thank you, Kendall, for your wonderful feedback and for being a valued customer. We're thrilled to know you're satisfied with our services. Your trust in us is greatly appreciated, and we're here to assist you whenever you need.

gay bolden

Jan. 16, 2026

Great

Agent Response

Thank you, Gay, for your positive feedback! We're

Thank you, Gay, for your positive feedback! We're glad to hear you had a great experience with us. If there's anything more we can do to enhance your experience, feel free to let us know. We appreciate your support!

david humphreys

Jan. 15, 2026

Good

Agent Response

Thank you, David, for your positive feedback! We'r

Thank you, David, for your positive feedback! We're thrilled to know you had a good experience with us. Your satisfaction is our priority, and we appreciate your trust in our services. If you ever need assistance, feel free to reach out.

mickey cline

Jan. 3, 2026

Agent Response

Thank you, Mickey, for your wonderful 5-star revie

Thank you, Mickey, for your wonderful 5-star review! We're thrilled to hear that you're satisfied with our services. Your trust and support mean a lot to me. If you ever need assistance, feel free to reach out.

barry baker

Jan. 2, 2026

Agent Response

Thank you for your feedback, Barry. We appreciate

Thank you for your feedback, Barry. We appreciate your perspective and are committed to providing reliable service. If you have any specific concerns or need further assistance, please reach out to kristyhiggins@allstate.com. Your satisfaction is important to me.

charlene creech

Dec. 28, 2025

Agent Response

Thank you, Charlene, for your wonderful feedback a

Thank you, Charlene, for your wonderful feedback and for being a valued customer. We're thrilled to know you had a positive experience with our agency. Your trust in us is greatly appreciated. If you ever need assistance, feel free to reach out.

celeste friend

Dec. 5, 2025

Agent Response

Thank you, Celeste, for your wonderful review! We'

Thank you, Celeste, for your wonderful review! We're thrilled to hear that you had a positive experience with us. As a valued customer, your trust and satisfaction mean the world to us. If you ever need assistance, feel free to reach out.

carleen evans

Dec. 4, 2025

Agent Response

Thank you, Carleen, for that 5 star review and for

Thank you, Carleen, for that 5 star review and for being a valued customer. We're thrilled to know you're satisfied with our services! If you ever have any questions or need assistance, feel free to reach out. Your trust means a lot to us!

michael mroz

Dec. 4, 2025

Awesome, very personal

Agent Response

Thank you, Michael, for your wonderful feedback! W

Thank you, Michael, for your wonderful feedback! We're thrilled to hear that you found our service personal and awesome. Your satisfaction is our priority, and we appreciate your trust in us. If you ever need assistance, feel free to reach out.

corazon morrissey

Oct. 21, 2025

So far very good

Agent Response

Thank you, Corazon, for your positive feedback! We

Thank you, Corazon, for your positive feedback! We're delighted to hear that your experience has been very good so far. If you ever have any questions or need assistance, feel free to reach out. We're here to help!

robert burris

Oct. 10, 2025

Agent Response

Thank you, Robert, for your positive feedback! We'

Thank you, Robert, for your positive feedback! We're thrilled to hear that you're satisfied with our services. As a valued customer, your trust and support mean a lot to us. If you ever have any questions or need assistance, feel free to reach out.

eddie cannon

Oct. 9, 2025

Agent Response

Thank you, Eddie, for your positive feedback! We'r

Thank you, Eddie, for your positive feedback! We're thrilled to hear that you had a great experience with us. Your trust and satisfaction are our top priorities, and we're here to support you with any insurance needs. If you have any questions or need further assistance, feel free to reach out. We appreciate your business!

joal henke

Sep. 23, 2025

Friendly and easy to work with.

Agent Response

Thank you for your kind words, Joal! I'm thrilled

Thank you for your kind words, Joal! I'm thrilled to hear that you found my team friendly and easy to work with. Your satisfaction is my top priority, and I appreciate your feedback. If you ever need assistance, feel free to reach out.

james smartt

Feb. 11, 2025

EVERYTHING is fine

Agent Response

Thank you James! We're glad everything is fine, s

Thank you James! We're glad everything is fine, so just waiting for you to tell us how to take it from good to great!

laura trotter

Feb. 4, 2025

Agent Response

Laura, thank you so much for the great 5 star revi

Laura, thank you so much for the great 5 star review! You are very kind and we are happy to be of service!

Allstate Online Review Policy

Your Local Allstate Team

Hannah Hackett

Licensed Producer

Ken Mara

Licensed Producer

Marian Jackson-Waller

Licensed Producer

Frequently asked questions

What are your agency hours?

Monday: 8:30 AM - 5:30 PM
Tuesday: 8:30 AM - 5:30 PM
Wednesday: 8:30 AM - 5:30 PM
Thursday: 8:30 AM - 5:30 PM
Friday: 8:30 AM - 5:30 PM
Saturday:
Sunday: Closed

Are you open on weekends?

Saturday:
Sunday: Closed

Can I text your agency with questions?

Yes, we have text messaging services.

What languages do you speak?

We have staff members available who speak the following languages: English

Do you have more than one location?

No, this is our only location.

Kristy Higgins is insurance licensed in the state(s) of Alabama, Georgia, and Tennessee. If you do not reside in the state(s) of Alabama, Georgia, or Tennessee, please go to the Find an Agent section on allstate.com to search for another Allstate Agent or Personal Financial Representative.

Based on coverages selected. Subject to terms, conditions, availability & qualifications.

This material is intended for educational purposes only. Auto and homeowners insurance, and other property and casualty insurance products, are available from Allstate Insurance Company, Allstate Indemnity Company, Allstate Property and Casualty Insurance Company, Allstate North American Insurance Co. and Allstate Fire and Casualty Insurance Company (Home Offices: Northbrook, IL); Allstate New Jersey Insurance Company and Allstate New Jersey Property and Casualty Insurance Company (Home Offices: Bridgewater, NJ); and Allstate County Mutual Insurance Company and Allstate Texas Lloyd's (Home Offices: Irving, TX). This life insurance information is provided for general consumer educational purposes and is not intended to provide legal, tax or investment advice. Life insurance also offered and issued by third party companies not affiliated with Allstate. Each company is solely responsible for the financial obligations accruing under the products it issues. Product guarantees are backed by the financial strength and claims-paying ability of the issuing company.

you're in good hands^®