Tennessee managed to tie the game at 28 on a last-second trey ball from Ariel Massengale but played behind the rest of the way and fell to the Lady Mocs before a boisterous crowd of 8,468 at McKenzie Arena.
Meighan Simmons led Tennessee with 23 points while Bashaara Graves added 14 and Isabelle Harrison notched 13 points and 12 boards.
Chattanooga was led by Taylor Hall with 24 points and Alex Black with 14.