Average home insurance cost in Tennessee
Tennessee is one of the most expensive states in America for home insurance, ranking #44 of 51. The average policy runs about 69% above the national average — an extra $1,730 a year, a premium insurers charge for the state's severe-weather claim history.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
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How Tennessee compares with its neighbors
| State | Annual premium | Difference vs TN |
|---|---|---|
| Tennessee | $4,220 | — |
| Kentucky | $3,795 | −$425/yr |
| Georgia | $3,225 | −$995/yr |
| Alabama | $4,285 | +$65/yr |
| North Carolina | $3,025 | −$1,195/yr |
| Mississippi | $4,445 | +$225/yr |
Tennessee home insurance FAQ
How much is homeowners insurance in Tennessee?
Home insurance in Tennessee averages $4,220 per year — about $352 per month — for a benchmark policy with $400,000 in dwelling coverage, $300,000 liability and a $1,000 deductible. Your rate depends on your home's age, construction, location and claim history.
Is home insurance in Tennessee more expensive than average?
Yes. Tennessee's average of $4,220/year runs about 69% above the U.S. average of $2,490/year, ranking #44 of 51 (1 = cheapest).
How can I lower my home insurance bill in Tennessee?
The four moves that reliably work: compare quotes from at least three carriers (the biggest lever — gaps of $1,000+ per year for identical coverage are common), raise your deductible to an amount you could cover in an emergency, bundle home and auto with one carrier for a 10–25% discount, and ask about discounts for wind-resistant roofing, monitored security systems and claim-free history.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
Compare home insurance quotesWe may earn a commission if you request quotes through this link. It costs you nothing and never affects the data we publish.