Compare average insurance rates in Nashville for 2026
🏠
Home
$2182
/year
🚗
Auto
$1649
/year
🏥
Health
$538
/month
💰
Life
$24
/month
🏢
Renters
$17
/month
💡 Are you overpaying? Most Nashville residents pay 15-30% more than they should.
Check your rate free →
Compare Insurance Rates in Nashville
Get personalized quotes from top insurers in Tennessee. No obligation.
✅ Quotes on the Way!
Licensed agents in Tennessee will contact you shortly with personalized quotes. Check your email for details.
Home Insurance in Nashville, TN
The average cost of homeowners insurance in Nashville, Tennessee is $2,182 per year in 2026. This compares to the state average of $2,250 per year.
$2,182per year (avg in Nashville)
$1358TN avg: $2,250$3104
Factors Affecting Home Insurance in Nashville
🏠
Home Value Average: $290,000
🌪
Weather Risk high
🌊
Flood Zone 7% of properties
📈
Cost Index 0.97 (100 = national avg)
Home Insurance Coverage Comparison
Coverage Tier
Dwelling Coverage
Personal Property
Liability
Est. Annual Cost
Basic (HO-1)
$232,000
$116,000
$100,000
$1,636
Standard (HO-3)
$290,000
$145,000
$300,000
$2,182
Premium (HO-5)
$362,500
$217,500
$500,000
$2,945
Auto Insurance in Nashville, TN
The average annual cost of auto insurance in Nashville is $1,649, compared to the Tennessee state average of $1,700.
$1,649per year (avg in Nashville)
$1018TN avg: $1,700$2376
📋
Minimum Coverage in Tennessee: 25/50/15
Auto Insurance Coverage Comparison
Coverage Level
Liability
Collision
Comprehensive
Est. Annual Cost
Liability Only
State Minimum
None
None
$906
Full Coverage
100/300/100
$500 deductible
$500 deductible
$1,649
Premium
250/500/250
$250 deductible
$250 deductible
$2,143
Health Insurance in Nashville, TN
The average monthly health insurance premium in Nashville is $538 per month. Costs vary significantly based on plan tier, age, tobacco use, and household size.
$538per month (avg individual plan)
Health Insurance Plan Tiers
Plan Tier
Avg Monthly Premium
Typical Deductible
Out-of-Pocket Max
Best For
Bronze
$387
$7,000
$9,100
Healthy, low usage
Silver
$538
$4,500
$9,100
Moderate usage
Gold
$672
$1,650
$8,700
Regular medical needs
Platinum
$807
$0
$4,500
High usage / families
Life Insurance & Renters Insurance in Nashville
💰 Life Insurance
$24
per month (20-year term, $500K)
Life insurance rates in Tennessee are based on age, health, and coverage amount. A healthy 35-year-old can expect to pay around $24/mo for a 20-year term policy with $500,000 coverage.
🏢 Renters Insurance
$17
per month (avg in Nashville)
Renters insurance in Nashville covers personal belongings, liability, and additional living expenses. The state average is $/mo. Most policies include $30K–$50K in personal property coverage.
Insurance Cost Calculator for Nashville
Estimate your total annual insurance costs based on your personal profile.
The average home insurance cost in Nashville, TN is $2,182 per year for a standard HO-3 policy. Rates range from $1,358 to $3,104 depending on your home value, coverage level, deductible, and specific risk factors.
The average auto insurance premium in Nashville is $1,649 per year for full coverage. Liability-only coverage averages around $742 per year. Tennessee requires minimum coverage of 25/50/15.
Insurance costs in Nashville are close to the national average (cost index: 0.97). Home insurance averages $2,182/yr and auto insurance $1,649/yr. Relatively moderate costs reflect the area's manageable risk profile.
Key factors include: local cost of living (index: 0.97), moderate natural disaster risk, average home values ($290,000), your personal claims history, credit score, and at-fault insurance laws in Tennessee.
Top strategies: bundle home and auto (save 10-25%), raise deductibles, maintain good credit, compare quotes from 3+ insurers annually, and ask about available discounts. Nashville residents can potentially save $766+ per year.
Tennessee requires minimum auto liability coverage of 25/50/15 (bodily injury per person / per accident / property damage in thousands). This is the legal minimum, but most experts recommend higher limits for adequate protection.
Compare Insurance Quotes in Nashville
Get personalized quotes from top insurers in Tennessee. Compare rates in minutes.