Affordable Home Insurance in Tennessee
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What drives home insurance rates in Tennessee
Average homeowners premium, 2023
$1,649
The average homeowners policy in Tennessee cost $1,649 for a year of coverage in 2023, against $1,737 nationally.
Claims paid per premium dollar, 2023
93.3¢
Home insurers in Tennessee paid 93.3 cents in claims for every premium dollar in 2023; the median state was 64 cents.
Severe weather events, 2024
266
NOAA logged 23 tornado, 142 large-hail and 101 flash-flood event reports in Tennessee in 2024, counted per county or zone. Wind and hail claims fall on the homeowners policy; flood needs its own.
Natural-hazard loss rank
#15
FEMA ranks Tennessee #15 of 51 for expected annual loss from natural hazards; flood accounts for 39% of that loss, and flood damage needs a separate flood policy.
- Average homeowners premium, 2023: NAIC Homeowners Insurance Report, 2023 data
- Claims paid per premium dollar, 2023: NAIC Profitability by Line by State, 2023
- Severe weather events, 2024: NOAA Storm Events Database, 2024
- Natural-hazard loss rank: FEMA National Risk Index
Largest home insurers in Tennessee
The ten insurer groups that wrote the most home premium in Tennessee in 2025, with their share of the state total of $3.9 billion.
| # | Insurer group | Market share | Premiums written |
|---|---|---|---|
| 1 | State Farm Group | 22.31% | $862 million |
| 2 | Tennessee Farmers Group | 17.85% | $690 million |
| 3 | Allstate Insurance Group | 10.05% | $388 million |
| 4 | United Services Automobile Association Group | 7.41% | $286 million |
| 5 | Erie Insurance Group | 5.91% | $228 million |
| 6 | Travelers Group | 4.58% | $177 million |
| 7 | Liberty Mutual Group | 4.48% | $173 million |
| 8 | Farmers Insurance Group | 3.45% | $133 million |
| 9 | Progressive Group | 2.98% | $115 million |
| 10 | Auto Owners Group | 2.61% | $101 million |
Source: NAIC Market Share Reports, 2025 data, direct premiums written by insurer group. GEICO writes inside Berkshire Hathaway Group. Ranking is market commentary; it says nothing about which carriers a quote comparison includes.
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