How Much Does Renters Insurance Cost in Tennessee?
Tennessee pricing is below the national average. Updated for 2024-2025.
Renters Insurance Pricing in Tennessee
In Tennessee, the average cost for renters insurance is $17 per month, which is 14% lower than the national average of $20. Most Tennessee residents pay between $9 and $30.
Tennessee benefits from a lower cost of living than many states, resulting in more affordable pricing for renters insurance. This makes it one of the more budget-friendly states for this service.
Protects belongings, provides liability coverage, and covers additional living expenses.
Tennessee vs National Average
What Affects Renters Insurance Cost in Tennessee?
Coverage
$20K: $10-$15/mo; $50K: $20-$35/mo
Location
High-crime adds 50-100%
Deductible
$500 vs $1,000 saves $3-$8/mo
📐 Renters Insurance in Tennessee Cost Calculator
Get a personalized estimate based on your project details
Compare Insurance Rates
See how much you could save with free quotes from top carriers.
Top-Rated Renters Insurance Pros in Tennessee
5 providersPatriot Plumbing
🏆 SPONSOREDProudly serving TN since 2004. Licensed, insured, and committed to excellence.
Apex Property Services
⭐ PREMIUMProudly serving TN since 1997. Licensed, insured, and committed to excellence.
Summit Roofing & Siding
✅ VERIFIEDAre You a Renters Insurance Professional?
Get listed on CostWhale and reach thousands of customers searching for renters insurance in Tennessee.
💡 Tips to Save on Renters Insurance in Tennessee
- 1.Bundle with auto for 10-20% discount
- 2.Increase deductible to $1,000
- 3.Create home inventory
- 4.Actual cash value is cheaper
📈 Renters Insurance in Tennessee Cost Trends (2020–2024)
Prices have increased +21.4% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $14 | — |
| 2021 | $15 | +7.1% |
| 2022 | $16 | +6.7% |
| 2023 | $16 | +0.0% |
| 2024 | $17 | +6.3% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Renters Insurance in Tennessee
Recent Reports
Frequently Asked Questions
How much?
$15-$30/month on average.
What is covered?
Personal property, liability, additional living expenses.
Renters Insurance Cost in Other States
🔍 Compare Insurance Rates
See how much you could save. Compare quotes from top insurance companies in minutes.
* CostWhale may earn a commission. This doesn't affect our pricing data or recommendations.
💰 Get Weekly Cost-Saving Tips
Join 10,000+ smart homeowners. Unsubscribe anytime.