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Home Insurance and Car Insurance in Tennessee
Life in the Volunteer State is as diverse as the terrain, whether you live in the Blue Ridge Mountains along its eastern border or among the fertile plains. Tennessee residents live in small towns and big cities alike. From the hustle of Nashville and Memphis to the slow lifestyle of the state’s rural areas, finding the right type of home insurance and auto insurance coverage is important.At SelectQuote, we help you shop for and save money on insurance to protect both your home and your vehicles. Bundled home and auto insurance discounts can help keep you on budget. We use our breakthrough technology to compare quotes from dozens of companies at the same time, and then offer unbiased policy recommendations based on your budget and unique coverage needs.Table of Contents
Average Home and Car Insurance Rates in TennesseeOther Home and Auto Discounts Available in TennesseeHow to Get Insurance Quotes in TennesseeSelectQuote Shops Home and Auto Insurance Quotes for YouTennessee Home and Auto Insurance FAQsCar Insurance in TNHomeowners Insurance in TennesseeAverage Home and Car Insurance Rates in Tennessee
The rates listed below are real average rates for SelectQuote customers in select Tennessee cities. Your own rate will vary based on many factors, including policy limits and types of coverage purchased.| City | Avg. Monthly Home Insurance Rate | Avg. Monthly Auto Insurance Rate | Avg. Monthly Rate of Bundled Policies |
| Clarksville | $124.91 | $157.57 | $305.07 |
| Knoxville | $103.65 | $119.53 | $205.45 |
| Memphis | $149.23 | $191.68 | $281.79 |
| Murfreesboro | $107.26 | $117.49 | $200.11 |
| Nashville | $106.36 | $125.33 | $206.31 |
- Your policy limits and types of coverage
- Your deductible
- Your credit history
- The age and condition of your home
- Your ZIP code
- Your previously filed insurance claims
Bundle Your Home and Auto Insurance to Save Money
When you bundle your home and auto insurance coverage through SelectQuote, you may see average savings of $693 per year. Bundling your insurance is one of the best discounts you can get. Compare prices and learn how much you can save.Other Home and Auto Discounts Available in Tennessee
In Tennessee, there are several home and auto discounts available to help you save on insurance costs.Homeowners Insurance Discounts
Tennessee homeowners are often eligible for several home insurance discounts that can save them hundreds of dollars each year. Look out for discounts based on the following criteria:- Customer loyalty discounts
- High deductible discounts
- Service or profession-based discounts
- Home security installation discounts
- Discounts for new construction
- First-time home buyer discounts
- Bundled home and auto insurance policy discounts
Auto Insurance Discounts
Tennessee drivers may be eligible to reduce their monthly insurance premiums by seeking out any and all applicable auto insurance discounts. These discounts can vary, but many insurance companies offer the following types of savings:- Customer loyalty discounts
- Safe driving discounts
- Low mileage discounts
- Service or professional discounts
- High deductible discounts
- Bundled auto and home insurance policy discounts
How to Get Insurance Quotes in Tennessee
Getting insurance quotes in Tennessee through SelectQuote is easy and straightforward. As an independent insurance brokerage, SelectQuote works with several of the nation’s most highly trusted carriers to help you compare plans and find the best coverage at a price that’s right for your budget. To get started, simply visit SelectQuote’s website or call one of their licensed agents. You’ll need to provide some basic information, such as your age, location, driving history (for auto insurance), and details about your home (for homeowners insurance). Our licensed insurance agents will explain any available discounts, such as safe driver discounts, bundling options, or specific state-based savings.Shopping for Homeowners Insurance
When shopping for homeowners insurance in Tennessee, it’s important to consider factors like the value of your home, the location, and the level of coverage you need. SelectQuote can help you compare quotes from multiple carriers to find the best policy that fits your budget and offers adequate protection for your home and belongings.Make sure to review the deductible amounts, liability coverage, and any add-ons, such as flood or earthquake coverage, especially if you live in a high-risk area. SelectQuote's licensed agents are there to guide you through the process and help you secure the best deal.Shopping for Auto Insurance
Shopping for auto insurance in Tennessee involves finding a policy that provides the right level of coverage at an affordable price. SelectQuote makes it easy to compare quotes from multiple providers, taking into account factors like your driving record, car model, and desired coverage levels. Consider adding options like roadside assistance or rental car reimbursement for added peace of mind. SelectQuote’s agents will help you navigate discounts such as safe driver, multi-vehicle, or anti-theft device savings. With their assistance, you can find a policy that meets both your needs and your budget.SelectQuote Shops Home and Auto Insurance Quotes for You
SelectQuote makes it easy to shop for both home and auto insurance by doing the legwork for you. Whether you're looking for homeowners or auto insurance, our licensed insurance agents can gather personalized quotes based on your specific needs and budget.Our Trusted Tennessee Home and Auto Insurance Partners
SelectQuote works with many trusted home and auto insurance companies in Tennessee and other states to help you find the affordable coverage you need. We provide unbiased recommendations based on price to help you save time and money when you shop for your home and auto coverage needs.What is the average car insurance cost in Tennessee?
The average Tennessee car insurance policy costs SelectQuote customers $140.72 per month.+ Your own policy will differ based on factors such as your ZIP code, driving history, make and model of vehicle and the types of insurance coverage you purchase.The average cost of car insurance in Tennessee can vary based on factors such as your driving history, location, and the type of coverage you select. Generally, Tennessee drivers can expect to pay slightly below the national average for car insurance.
What is the average home insurance cost in Tennessee?
Home insurance costs in Tennessee typically depend on the value of your property, location, and coverage options. On average, homeowners in Tennessee pay around the national average for home insurance, but prices can vary based on the risks in your area, such as natural disasters.
Who has the cheapest insurance rates in Tennessee?
The cheapest insurance rates in Tennessee depend on your individual profile, including your driving record, credit score, and home characteristics. Different providers offer varying rates, so comparing quotes is the best way to find the most affordable option for your situation.
Does Tennessee require auto insurance?
Yes, Tennessee law requires all drivers to carry liability insurance to cover damages or injuries they cause in an accident. The state sets minimum coverage levels, but drivers may choose to purchase higher coverage for added protection.
Is boat insurance required in Tennessee?
Boat insurance is not legally required in Tennessee, but it is highly recommended. If your boat is financed, your lender may require you to carry insurance, and it can protect you from potential liabilities and damages.
Does Tennessee require motorcycle insurance?
Yes, Tennessee law mandates that all motorcycle owners carry liability insurance. This coverage helps pay for damages or injuries caused to others in an accident, but it’s wise to consider additional coverage for your own protection.
Does Tennessee require renters insurance?
Renters insurance is not required by law in Tennessee, but it’s highly recommended. Many landlords may require renters insurance as part of the lease agreement to cover potential damages to the property or liability issues.
Does Tennessee require mobile home insurance?
While Tennessee doesn’t require mobile home insurance by law, it is advisable for protection against risks such as fire, theft, or natural disasters. Lenders may also require insurance if you have a loan on your mobile home.
Car Insurance in TN
While Nashville and Memphis are major interstate hubs for travelers driving through and across the state of Tennessee, there are more than an estimated 5 million licensed drivers in the Volunteer state. With so many drivers sharing the road, there’s no shortage of opportunity for auto accidents. Auto insurance can help offset the costs associated with auto collisions. Whether you’re a brand-new driver or seeking cheaper car insurance rates, SelectQuote can help you find the best price on a policy that meets your needs.Tennessee Auto Insurance Laws and Requirements
Tennessee requires all drivers to carry auto insurance and show financial responsibility for auto accidents they may cause. The easiest way to show financial responsibility and satisfy this requirement is to purchase liability auto insurance. Liability coverage isn’t the only form of auto insurance coverage, but it is the primary kind of insurance most drivers purchase. Types of auto insurance coverage available include:- Liability insurance pays for damages caused by you if the accident is your fault. It will also pay for medical bills incurred by the other driver or their passengers. Tennessee requires drivers to have $25,000 of coverage for injuries per person, up to $50,000 per accident. It also requires $15,000 of coverage for property damage. This coverage is known as 25/50/15 coverage and is the bare legal minimum for drivers. You may choose to purchase more coverage based on your budget.
- Uninsured/underinsured motorist coverage pays for medical expenses when the other driver is at fault and doesn’t have sufficient insurance coverage.
- Personal injury protection insurance can help pay for medical expenses or funeral expenses for you or your passengers.
- Collision coverage helps cover expenses for repairs or replacement of your vehicle if it is damaged in an accident.
- Comprehensive coverage can help pay for repairs or replacement for vehicles that are stolen or damaged by storms, vandalism, or animals.
- Gap insurance pays the difference between the value of your totaled vehicle and the amount you currently owe on the car loan or lease.
| Types of Coverage | Minimum State Requires |
| Bodily Injury Liability | $25,000 per person/$50,000 per accident |
| Property Damage Liability | $15,000 |
| Uninsured Motorist | Not required |
| Underinsured Motorist | Not required |
| Personal Injury Protection | Not required |
| Collision | Not required |
| Comprehensive | Not required |
| Gap Insurance | Not required |
Tennessee Teen Driving Laws
All drivers in Tennessee, including teenagers, are required to have auto insurance. Teens can get auto insurance either on their own or as a covered driver on their parent or guardian’s policy (which is usually cheaper). Tennessee has a graduated license program for teenagers. This program offers three levels of licensure for teens and allows them to learn how to drive safely. Teenage drivers are restricted from driving overnight and from using any mobile devices in the vehicle. There are also strict passenger age limits.Tennessee Car Registration Information
Tennessee residents must provide proof of ownership, their photo ID, and proof of residency. Proof of auto insurance may not be required at the time of registration, but it’s good to have it on hand just in case.Homeowners Insurance in Tennessee
Finding affordable home insurance is a big priority for Tennessee homeowners. From Nashville to Knoxville and beyond, 67% of Tennessee’s 7 million residents own their own homes. Homeowners insurance is an important purchase to consider. Fires, theft, windstorms, and other disasters can be costly and without proper coverage, you may not be fully protected from substantial losses after a catastrophe. As you shop for home insurance, consider the difference between actual cash value policies and those that cover the full replacement cost.When an insurance policy pays the actual cash value, it pays the current value of the claimed loss minus depreciation or the policy limit (whichever is lower). Full replacement cost policies will pay the full replacement cost or policy limit (whichever is lower). In practice, a home that would cost $250,000 to repair but is covered by a $200,000 actual cash value policy would require you to pay the remaining $50,000. A replacement cost policy would cover the full $250,000.Common Causes of Loss in Tennessee
Tennessee’s terrain varies from lowland plains to mountains and is vulnerable to a variety of natural disasters. Severe storms are a concern all year round, but other issues can pop up as well. Common causes of loss for Tennessee homeowners include:- Wildfires
- Wind damage
- Severe weather, including hail and heavy rains
- Flooding
Homeowners Insurance Coverage Options in Tennessee
Tennessee homeowners have plenty of options when it comes to buying home insurance. Most home insurance policies have defined coverage types, but what is offered by an insurance company can vary by state, insurance agent, and insurance carrier. Common types of home insurance coverage offered include:- Dwelling coverage is a standard policy that covers the actual physical structure of your home. If you have an attached garage or other structure, this will be covered as well.
- Personal property coverage works to cover your household belongings. If it’s inside or outside your home, it is covered.
- Personal liability coverage protects you in the event that someone is injured on your property and you’re found at fault. It also covers damage to another person’s property.
- Guest medical protection coverage exists to cover people who are injured on your property, regardless of who may be at fault.
- Other structures cover damages to structures on your property separate from your home, such as detached garages.
Additional Coverage Options Recommended for Tennessee Homeowners
Buying standard home insurance coverage is important, but there are some additional coverage options that all Tennessee homeowners should consider as they shop. Some types of hazards aren’t covered by a standard policy, while others may need additional endorsements or limits depending on what part of the state you call home. If you’re unsure, it might be worth asking your insurance agent about the following types of home insurance:- Flood insurance is never included in a standard home insurance policy. Instead, homeowners may choose to purchase a separate policy from either a private insurance company or the National Flood Insurance Program (NFIP).
- Sinkhole insurance may not be at the top of your list of insurance choices, but Tennessee is actually one of the most likely states to see insurance claims from sinkholes. Like flooding, they’re not covered under a standard policy. You can buy a separate sinkhole policy to help mitigate this risk.
- Wildfire insurance may be a good idea if your home is located in a heavily wooded area. Most insurance policies cover fire as a named peril, but insurance companies are beginning to view risk differently; it might be worth exploring a separate wildfire insurance policy if you’re concerned about whether standard coverage is enough.
- Sewer backup coverage can help you pay for damages related to backed-up sewer or drain lines. It’s also good coverage to have if your home has a basement and a sump pump. Sump pump failure can result in costly repairs to your home.
SelectQuote Can Shop Tennessee Home or Auto Insurance to Save You Time and Money
With over 40 years of industry experience, SelectQuote is here to help you find the right home and auto insurance, whether you're a first-time buyer or looking to save on your current policies. Our expert team offers unbiased recommendations tailored to your budget and coverage needs, ensuring you get great value. Plus, we can help you unlock substantial savings by bundling your home and auto insurance. Let SelectQuote save you time, money, and stress by shopping highly trusted insurance options on your behalf—so you can enjoy peace of mind knowing you’re covered. Need help with your insurance coverage? Call us today. +Average rates calculated are based on effective SelectQuote customer policies in Tennessee between 4/1/2022 and 3/31/2023. Rates will vary based on level of coverage, location, age, and additional determining factors.We do the shopping. You do the saving.
