Average insurance rates across 81 cities in Tennessee
| City | Population | Home /yr | Auto /yr | Health | Renters |
|---|---|---|---|---|---|
| Nashville | 689,447 | $2,182 | $1,649 | $538/mo | $17/mo |
| Memphis | 633,104 | $1,868 | $1,411 | $526/mo | $15/mo |
| Knoxville | 190,740 | $1,980 | $1,496 | $530/mo | $16/mo |
| Chattanooga | 185,787 | $1,980 | $1,496 | $530/mo | $16/mo |
| Clarksville | 166,722 | $1,935 | $1,462 | $529/mo | $15/mo |
| Murfreesboro | 152,769 | $2,070 | $1,564 | $534/mo | $17/mo |
| Johnson City | 131,718 | $2,002 | $1,513 | $531/mo | $16/mo |
| Kingsport | 101,323 | $2,002 | $1,513 | $531/mo | $16/mo |
| Franklin | 83,630 | $2,002 | $1,513 | $531/mo | $16/mo |
| Cleveland | 72,870 | $2,002 | $1,513 | $531/mo | $16/mo |
| Jackson | 72,836 | $2,002 | $1,513 | $531/mo | $16/mo |
| Spring Hill | 70,531 | $2,002 | $1,513 | $531/mo | $16/mo |
| Bristol | 68,083 | $2,002 | $1,513 | $531/mo | $16/mo |
| Morristown | 66,220 | $2,002 | $1,513 | $531/mo | $16/mo |
| Hendersonville | 61,589 | $2,002 | $1,513 | $531/mo | $16/mo |
Tennessee residents pay an average of $2,250 per year for home insurance and $1,700 for auto insurance. Tennessee follows an at-fault insurance system, meaning the driver who caused the accident is responsible for damages. The minimum auto liability coverage required is 25/50/15.
Health insurance in Tennessee averages $540 per month for an individual Silver marketplace plan. The weather risk level is high, with moderate natural disaster risk. Top insurance providers in Tennessee include State Farm, Tennessee Farmers, Allstate.
Get personalized quotes from top insurers
Policygenius The ZebraThe average home insurance cost in Tennessee is $2,250 per year. Rates range from $1,400 to $3,200 depending on home value, location, and coverage level.
Auto insurance in Tennessee averages $1,700 per year for full coverage. The state minimum coverage is 25/50/15.
Tennessee has moderate insurance costs, with home insurance at $2,250/yr and auto at $1,700/yr compared to national averages of $2,300 and $1,800 respectively.
Tennessee requires minimum liability coverage of 25/50/15 (bodily injury per person / per accident / property damage in thousands). It follows an at-fault system.
Last updated: March 2026. Insurance cost estimates are averages for informational purposes.