🏠 Home insurance cost in Tennessee (2026)
The estimated average is $2,415 per year — above the national average (+5% vs. the U.S. average of $2,300).
Tennessee is home to about 7.1 million people, and home insurance here runs above the national average. Below, estimate a price for your own profile, then drill into your city — rates in a large metro like Nashville typically differ from smaller towns.
Estimate your home insurance in Tennessee
Tennessee home insurance estimator
Starts from the Tennessee average. Estimate only — get quotes to confirm.
Home insurance cost in Tennessee cities
| City | Population | Est. home insurance |
|---|---|---|
| Nashville | 687,788 | $2,608 |
| Memphis | 618,639 | $2,608 |
| Knoxville | 198,098 | $2,415 |
| Chattanooga | 187,030 | $2,415 |
| Clarksville | 179,584 | $2,415 |
| Murfreesboro | 161,010 | $2,415 |
Tennessee home insurance FAQ
How much is home insurance in Tennessee?
The estimated average home insurance in Tennessee is $2,415 per year, which is above the national average (+5% vs. the U.S. average of $2,300). Tennessee ranks 18 of 51 states from most to least expensive.
Why is home insurance expensive in Tennessee?
Home insurance pricing in Tennessee reflects local risk factors — weather and catastrophe exposure, accident/claim frequency, repair and medical costs, and state regulation. That’s why costs differ across the South.
How can I save on home insurance in Tennessee?
Compare at least three quotes from insurers active in Tennessee, bundle policies, and re-shop every year. Use the calculator above to see how your profile changes the price.