⚡ Tennessee Insurance Cost Calculator
Quick estimate for Tennessee residents. Get instant results based on your property details.
Tennessee Insurance Overview
| Coverage Type | Average Annual Premium | Notes |
|---|---|---|
| Home Insurance | $1,750 | State average |
| Auto Insurance | $1,550 | State average |
| Flood Insurance (NFIP est.) | $950 | Moderate Risk |
Tennessee Auto Insurance Requirements
The minimum auto insurance liability requirements in Tennessee are:
Flood Risk in Tennessee
Flood risk level: Moderate
While Tennessee has moderate-to-low flood risk, flooding can happen anywhere. Standard homeowners insurance does NOT cover flood damage — a separate flood policy is needed.
Regulatory Authority
The insurance regulator in Tennessee is:
No individual auto insurance mandate. Moderate severe weather risk.
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Tennessee Insurance FAQ
The average cost of home insurance in Tennessee is $1,750 per year ($146/month). Rates vary based on your home's value, location, age, and your credit score. Use our calculator above to get a personalized estimate.
Yes. Tennessee requires all drivers to carry at least 25/50/15 in liability insurance. Driving without insurance can result in fines, license suspension, and vehicle impoundment.
Flood insurance is not mandatory for most homeowners in Tennessee, but it's still recommended. Standard homeowners insurance does NOT cover flood damage, and floods can happen anywhere — not just in high-risk zones.
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