- Best homeowners insurance companies in Tennessee: Auto-Owners
- Cheapest home insurance companies in Tennessee: Progressive
- Average home insurance cost in Tennessee
- Tennessee home insurance rates by ZIP code
- Tennessee homeowners insurance rates by county
- Compare homeowners insurance rates by city in Tennessee
- Hurricane and windstorm insurance in Tennessee
- Frequently asked questions about Tennessee homeowners insurance
- Compare Tennessee homeowners insurance rates with other states
Best homeowners insurance companies in Tennessee: Auto-Owners
The best home insurance company in Tennessee for 2024 is Auto-Owners. Erie Insurance, State Farm, Allstate and Farmers among other top home insurance companies in Tennessee based on price, NAIC complaints, and AM Best financial ratings.
The total Insurance.com score is calculated out of five using these factors.
| Company | AM Best | NAIC complaint ratio | Insurance.com score | Average annual rate |
|---|---|---|---|---|
| Auto-Owners | A++ | 0.37 | 4.59 | $2,431 |
| Erie Insurance | A+ | 0.52 | 4.53 | $3,642 |
| State Farm | A++ | 0.83 | 4.35 | $2,523 |
| Allstate | A+ | 1.46 | 3.73 | $2,478 |
| Farmers | A | 0.67 | 3.45 | $3,772 |
| Progressive | A+ | 2.71 | 3.13 | $2,197 |
| Travelers | A++ | 1.10 | 2.85 | $6,604 |
Cheapest home insurance companies in Tennessee: Progressive
Below are Tennessee home insurance rates by company for six different levels of dwelling coverage, each with $300,000 in liability and a $1,000 deductible. Based on our rate analysis, Progressive has the cheapest home insurance for all coverage levels except $600,000 and $1,000,000. USAA offers the cheapest rates if you are eligible for USAA.
| Company | $200,000 | $300,000 | $400,000 | $600,000 | $1,000,000 |
|---|---|---|---|---|---|
| USAA* | $1,542 | $2,122 | $2,688 | $3,653 | $5,664 |
| Progressive | $1,649 | $2,197 | $2,676 | $4,110 | $6,309 |
| Tennessee Farmers | $1,730 | $2,325 | $2,853 | $4,078 | $6,679 |
| Auto-Owners | $1,989 | $2,431 | $2,928 | $3,921 | $8,963 |
| Allstate | $2,130 | $2,478 | $2,868 | $3,873 | $5,975 |
| State Farm | $1,945 | $2,523 | $3,035 | $4,227 | $6,372 |
| Erie Insurance | $2,607 | $3,642 | $4,723 | $6,638 | $10,593 |
| Farmers | $2,609 | $3,772 | $4,839 | $6,826 | $10,164 |
| Travelers | $5,709 | $6,604 | $7,674 | $11,074 | $17,461 |
*USAA only provides coverage to military members, veterans, and their families.
Average home insurance cost in Tennessee
The average cost of homeowners insurance in Tennessee is $3,060 a year or $255 a month. This is based on coverage of:
- $300,000 dwelling
- $300,000 liability
- $1,000 deductible.
However, the average annual premium varies by the insurance company, your ZIP code, coverage type, and your home's age, among other factors. It’s a good idea to compare price quotes from different Tennessee homeowners insurance companies to get the best deal.
Tennessee home insurance rates by ZIP code
Home insurance rates can vary widely depending on where the home is located. We compared home insurance rates by ZIP code in Tennessee to see which areas are the most and least expensive.
Enter your ZIP code and desired coverage level in the search box to see that area's average home insurance rate. You will also see the highest and lowest premiums from major home insurers. Comparing home insurance rates will give you an idea of how much you can save.
Home insurance calculator
Average home insurance rates in TexasMost & least expensive ZIP codes for homeowners insurance in Texas
| ZIP code | City | Highest rate |
|---|---|---|
| 77550 | Galveston | $10,164 |
| 77586 | El Lago | $9,906 |
| 77551 | Galveston | $9,536 |
| 77554 | Galveston | $9,358 |
| ZIP code | City | Lowest rate |
|---|---|---|
| 78559 | Iglesia Antigua | $1,956 |
| 78593 | Santa Rosa | $1,999 |
| 79915 | El Paso | $2,008 |
| 79905 | El Paso | $2,009 |
The Tennessee Department of Commerce and Insurance says...
Your previous claim history has a big impact on your premiums. Consider not putting in claims for smaller amounts/events to avoid being tagged for a premium increase. You may want to consider a higher deductible if you are unlikely to file a claim for a loss that is less than $500 or even a $1000.
- The Tennessee Department of Commerce and InsuranceThe most expensive ZIP codes in Tennessee for home insurance
Tennessee homeowners insurance rates are the most expensive for ZIP code 38127, with an average annual cost of $4,525.
The most expensive ZIP codes in Tennessee are:
| ZIP code | Average annual rate |
|---|---|
| 38127 | $4,525 |
| 38114 | $4,343 |
| 38106 | $4,336 |
| 38116 | $4,299 |
| 38108 | $4,296 |
| 38109 | $4,290 |
The least expensive ZIP codes in Tennessee for home insurance
The cheapest ZIP codes for home insurance in Tennessee are:
| ZIP code | Average annual rate |
|---|---|
| 37682 | $2,159 |
| 37684 | $2,210 |
| 37664 | $2,229 |
| 37620 | $2,258 |
| 37660 | $2,261 |
| 37929 | $2,271 |
Tennessee homeowners insurance rates by county
| County | Average annual premium | Average monthly premium |
|---|---|---|
| Anderson | $2,643 | $220 |
| Bedford | $3,098 | $258 |
| Benton | $3,587 | $299 |
| Bledsoe | $3,086 | $257 |
| Blount | $2,580 | $215 |
| Bradley | $2,718 | $227 |
| Campbell | $2,907 | $242 |
| Cannon | $3,089 | $257 |
| Carroll | $3,518 | $293 |
| Carter | $2,383 | $199 |
| Cheatham | $2,929 | $244 |
| Chester | $3,526 | $294 |
| Claiborne | $2,613 | $218 |
| Clay | $3,114 | $259 |
| Cocke | $2,816 | $235 |
| Coffee | $2,968 | $247 |
| Crockett | $3,455 | $288 |
| Cumberland | $2,870 | $239 |
| Davidson | $2,845 | $237 |
| Decatur | $3,529 | $294 |
| DeKalb | $3,076 | $256 |
| Dickson | $2,954 | $246 |
| Dyer | $3,431 | $286 |
| Fayette | $3,379 | $282 |
| Fentress | $3,081 | $257 |
| Franklin | $3,114 | $259 |
| Gibson | $3,429 | $286 |
| Giles | $3,190 | $266 |
| Grainger | $2,750 | $229 |
| Greene | $2,547 | $212 |
| Grundy | $3,344 | $279 |
| Hamblen | $2,534 | $211 |
| Hamilton | $2,771 | $231 |
| Hancock | $2,697 | $225 |
| Hardeman | $3,498 | $291 |
| Hardin | $3,500 | $292 |
| Hawkins | $2,504 | $209 |
| Haywood | $3,627 | $302 |
| Henderson | $3,595 | $300 |
| Henry | $3,446 | $287 |
| Hickman | $3,325 | $277 |
| Houston | $3,123 | $260 |
| Humphreys | $3,250 | $271 |
| Jackson | $3,153 | $263 |
| Jefferson | $2,625 | $219 |
| Johnson | $2,515 | $210 |
| Knox | $2,525 | $210 |
| Lake | $3,668 | $306 |
| Lauderdale | $3,647 | $304 |
| Lawrence | $3,437 | $286 |
| Lewis | $3,438 | $286 |
| Lincoln | $3,127 | $261 |
| Loudon | $2,642 | $220 |
| Macon | $3,244 | $270 |
| Madison | $3,478 | $290 |
| Marion | $3,052 | $254 |
| Marshall | $3,189 | $266 |
| Maury | $3,174 | $264 |
| Mcminn | $2,889 | $241 |
| Mcnairy | $3,490 | $291 |
| Meigs | $2,915 | $243 |
| Monroe | $2,782 | $232 |
| Montgomery | $2,830 | $236 |
| Moore | $3,083 | $257 |
| Morgan | $2,911 | $243 |
| Obion | $3,511 | $293 |
| Overton | $2,946 | $246 |
| Perry | $3,342 | $278 |
| Pickett | $3,006 | $251 |
| Polk | $2,815 | $235 |
| Putnam | $2,944 | $245 |
| Rhea | $2,948 | $246 |
| Roane | $2,702 | $225 |
| Robertson | $2,933 | $244 |
| Rutherford | $3,007 | $251 |
| Scott | $3,055 | $255 |
| Sequatchie | $3,147 | $262 |
| Sevier | $2,547 | $212 |
| Shelby | $3,770 | $314 |
| Smith | $3,170 | $264 |
| Stewart | $3,090 | $257 |
| Sullivan | $2,284 | $190 |
| Sumner | $2,901 | $242 |
| Tipton | $3,414 | $284 |
| Trousdale | $3,168 | $264 |
| Unicoi | $2,441 | $203 |
| Union | $2,788 | $232 |
| Van Buren | $3,132 | $261 |
| Warren | $2,815 | $235 |
| Washington | $2,328 | $194 |
| Wayne | $3,445 | $287 |
| Weakley | $3,474 | $290 |
| White | $3,016 | $251 |
| Williamson | $2,860 | $238 |
| Wilson | $2,788 | $232 |
Compare homeowners insurance rates by city in Tennessee
Home insurance rates vary significantly across cities, influenced by various factors, including weather patterns, crime rates, and property values. You must consider these factors and compare quotes from different insurers to get the best deal on home insurance for your specific city in Tennessee.
City Annual insurance premium
Hurricane and windstorm insurance in Tennessee
Home insurance coverage for windstorms in Tennessee requires a combination of policies. Standard homeowners insurance covers damage from wind and rain.
However, homeowners insurance doesn't cover damage from floods. Overland flooding, including sudden flash floods from heavy rain is only covered by flood insurance, which can be purchased either through the National Flood Insurance Program (NFIP) or a private flood insurance company. Although hurricanes aren't usually a major risk in Tennessee, the destructive path of Hurricane Helene made clear that the impact of a hurricane can be felt far inland, and that flood insurance is important even in places that aren't usually prone to flooding.
Frequently asked questions about Tennessee homeowners insurance
Do you need flood insurance in Tennessee?
Floods are not covered by a standard homeowners policy. If you live in a flood zone or worry about extreme storms, you’ll need to purchase flood insurance as an add-on or separately through the National Flood Insurance Program (NFIP).
Is home insurance required in Tennessee?
Tennessee state law doesn’t require home insurance. However, your mortgage company will require you to carry a policy.
Compare Tennessee homeowners insurance rates with other states
Helpful home insurance tools and calculators
You might also be interested in- Traffic ticket calculator in Tennessee
- SR-22 insurance in Tennessee
- Non-owner car insurance in Tennessee: Best and cheapest companies
- Tennessee gap insurance: Everything you need to know
- Low-income car insurance in Tennessee: What you need to know
- Tennessee car insurance guide
- Cheapest car insurance for high-risk drivers in Tennessee
- Cheapest home and auto insurance bundle in Tennessee
- Best condo insurance in Tennessee for 2024
- Best cheap car insurance in Tennessee for 2024