Best and cheapest homeowners insurance in Tennessee for 2024

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.

Best home insurance companies in Alaska

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Best home insurance in Tennessee
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

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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.

Cheapest home insurance in Tennessee
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

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*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 by ZIP code

Average home insurance rates in Texas

Most & least expensive ZIP codes for homeowners insurance in Texas

Most expensive
Least expensive

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

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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 Insurance

The 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

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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

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Tennessee homeowners insurance rates by county

Home insurance rates in Tennessee vary by county. Take a look at the average rates by county in Tennessee below to see how costs compare.

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Average annual premium

$2,284

$3,770

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

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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
Germantown	$2,591
Kingston	$2,017
Knoxville	$1,929
Paris	$2,546
Pikeville	$2,386

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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.

Methodology

Insurance.com worked with Quadrant Information Services to field homeowners insurance rates in all 50 states and Washington, D.C. We analyzed 20,739,560 insurance quotes from 81 insurance companies across 34,588 ZIP codes to determine the average premiums.

The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:

$300,000 dwelling coverage
$300,000 liability protection
$1,000 deductible
2% hurricane deductible where appropriate.

To rank insurance companies, we used three important factors: average annual cost, NAIC complaint ratio and AM Best financial stability rating. Find the full best insurance companies rating methodology here. The quoted insurance rates are for comparison purposes, and your rates will vary.

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).