Compare average insurance rates in Smyrna for 2026
🏠
Home
$2002
/year
🚗
Auto
$1513
/year
🏥
Health
$531
/month
💰
Life
$24
/month
🏢
Renters
$16
/month
Home Insurance in Smyrna, TN
The average cost of homeowners insurance in Smyrna, Tennessee is $2,002 per year in 2026. This compares to the state average of $2,250 per year.
$2,002per year (avg in Smyrna)
$1246TN avg: $2,250$2848
Factors Affecting Home Insurance in Smyrna
🏠
Home Value Average: $290,000
🌪
Weather Risk high
🌊
Flood Zone 7% of properties
📈
Cost Index 0.89 (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
$1,501
Standard (HO-3)
$290,000
$145,000
$300,000
$2,002
Premium (HO-5)
$362,500
$217,500
$500,000
$2,702
Auto Insurance in Smyrna, TN
The average annual cost of auto insurance in Smyrna is $1,513, compared to the Tennessee state average of $1,700.
$1,513per year (avg in Smyrna)
$934TN avg: $1,700$2180
📋
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
$832
Full Coverage
100/300/100
$500 deductible
$500 deductible
$1,513
Premium
250/500/250
$250 deductible
$250 deductible
$1,966
Health Insurance in Smyrna, TN
The average monthly health insurance premium in Smyrna is $531 per month. Costs vary significantly based on plan tier, age, tobacco use, and household size.
$531per month (avg individual plan)
Health Insurance Plan Tiers
Plan Tier
Avg Monthly Premium
Typical Deductible
Out-of-Pocket Max
Best For
Bronze
$382
$7,000
$9,100
Healthy, low usage
Silver
$531
$4,500
$9,100
Moderate usage
Gold
$663
$1,650
$8,700
Regular medical needs
Platinum
$796
$0
$4,500
High usage / families
Life Insurance & Renters Insurance in Smyrna
💰 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
$16
per month (avg in Smyrna)
Renters insurance in Smyrna 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 Smyrna
Estimate your total annual insurance costs based on your personal profile.
The average home insurance cost in Smyrna, TN is $2,002 per year for a standard HO-3 policy. Rates range from $1,246 to $2,848 depending on your home value, coverage level, deductible, and specific risk factors.
The average auto insurance premium in Smyrna is $1,513 per year for full coverage. Liability-only coverage averages around $681 per year. Tennessee requires minimum coverage of 25/50/15.
Insurance costs in Smyrna are below the national average (cost index: 0.89). Home insurance averages $2,002/yr and auto insurance $1,513/yr. Relatively moderate costs reflect the area's manageable risk profile.
Key factors include: local cost of living (index: 0.89), 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. Smyrna residents can potentially save $703+ 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.
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