Home Home insurance Renters insurance Renters insurance cost Average renters insurance cost in Tennessee Average renters insurance cost in Tennessee Discover the average cost of renters insurance in Tennessee and how factors like location and coverage levels can impact your rate. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Updated on: January 16, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Renters insurance costs in Tennessee vary depending on your coverage level, insurance provider, and personal circumstances. On average, renters in Tennessee pay $290 per year or $24 per month for a policy that includes $40,000 in personal property coverage, $300,000 in liability protection and a $1,000 deductible. Key Takeaways The average cost of renters insurance in Tennessee is $290 per year or $24 per month.American National Finance provides the least expensive renters insurance in Tennessee at an average rate of $151 annually.Renters insurance rates can vary significantly among insurance companies. Compare quotes to find the best deal on renters insurance in Tennessee. Average renters insurance cost in Tennessee per monthIn Tennessee, the average cost of renters insurance is $24 per month. However, the exact premiums may vary based on factors like your location, the value of your belongings, and the amount of coverage you choose. It’s always a good idea to compare quotes from multiple insurers to ensure you get the best deal.Average renters ins cost per monthDifference compared to national average$24$2 moreAverage renters insurance cost in Tennessee by companyRenters in Tennessee can find the most budget-friendly insurance with American National Finance, which has an average annual cost of $151, according to our data. Other affordable options include Tennessee Farmers and State Farm.It’s a good idea to gather quotes from at least three insurance providers, as each company calculates premiums differently.Below are the average annual and monthly renters insurance rates from various insurers in Tennessee.CompanyAverage annual rateAverage monthly rateAmerican National Finance$151$13Tennessee Farmers$159$13State Farm$200$17Shelter Insurance$229$19Auto-Owners$259$22Farmers$336$28Westfield Insurance$343$29Erie Insurance$421$35Travelers$631$53USAA$174$15 Renters insurance calculator in Tennessee Select your state Tennessee Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington, D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Personal property coverage Covers your personal belongings, such as your furniture, electronics, clothing, artwork, etc. Choose the amount you believe would cover all of your belongings. $40,000 $20,000 $40,000 $60,000 Liability Covers the medical expenses of people who are hurt while in your home or on your property, as well as damage you caused to others’ property. Also covers legal fees if you are sued by someone hurt in your home or on your property. Limits of $300,000 or $500,000 are recommended. $300,000 $100,000 $300,000 Deductible Choose the amount you want to pay out-of-pocket before insurance kicks in. This applies to your dwelling and personal belongings claims. $1,000 $500 $1,000 Calculate $272/year Estimated renters insurance rates in Tennessee $23 Monthly renters insurance cost in Tennessee 10% Compared to national average Get quotes Average cost of renters insurance in Tennessee by coverage levelOn average, Tennessee renters pay $290 each year for insurance for a coverage limit of $40,000 in personal property, $300,000 in liability protection and a $1,000 deductible.Reducing your personal property coverage from $40,000 to $20,000 can lower your renters insurance cost in Tennessee to $159 per year. This policy still includes $300,000 in liability protection and a $1,000 deductible. However, you should ensure that $20,000 is adequate coverage for your personal belongings before making this change.Below are the average annual renters insurance costs in Tennessee for personal property coverage of $20,000 and $40,000.Coverage levelAverage annual renters insurance rateAverage monthly renters insurance rate$20,000 with $500 Deductible and $100,000 Liability$216$18$20,000 with $500 Deductible and $300,000 Liability$233$19$20,000 with $1,000 Deductible and $100,000 Liability$196$16$20,000 with $1,000 Deductible and $300,000 Liability$212$18$40,000 with $500 Deductible and $100,000 Liability$301$25$40,000 with $500 Deductible and $300,000 Liability$321$27$40,000 with $1,000 Deductible and $100,000 Liability$272$23$40,000 with $1,000 Deductible and $300,000 Liability$290$24$60,000 with $500 Deductible and $100,000 Liability$390$33$60,000 with $500 Deductible and $300,000 Liability$414$34$60,000 with $1,000 Deductible and $100,000 Liability$348$29$60,000 with $1,000 Deductible and $300,000 Liability$370$31Average cost of renters insurance in Tennessee by cityRenters insurance premiums can differ significantly depending on the city. To help you find the best policy for your needs, we’ve compiled a breakdown of average costs by city. Explore the typical renters insurance rates across various locations in Tennessee.Renters insurance rates vary from one city to another. But with Insure.com, finding the right renters insurance policy is easy. Learn more about renters insurance costs for different cities below. Renters insurance rates in Tennessee by cityChattanoogaClarksvilleKnoxvilleMemphisAverage cost of renters insurance in Tennessee by ZIP codeRenters insurance costs in Tennessee vary by ZIP code. Below, we’ll cover which ZIP codes have the most affordable coverage and which areas have the highest premiums.Most affordable ZIP codes for renters insurance in TennesseeHow much Tennessee renters pay for insurance depends on the ZIP code they live in. 37686 is the most affordable ZIP code for renters insurance in Tennessee among all the ZIP codes analyzed, at $244 a year on average.Rates vary by ZIP code, so comparing quotes is one of the easiest ways to get the best deal on renters insurance in Tennessee.ZIP codeCityAverage annual rateAverage monthly rate37686Piney Flats$244$2037664Kingsport$246$2137617Blountville$247$2137604Johnson City$248$2137659Jonesborough$248$2137663Colonial Heights$249$2137615Gray$249$2138589Wilder$249$2137778Lowland$250$2137601Central$250$21 Least affordable ZIP codes for renters insurance in TennesseeYour ZIP code, among other factors, affects how much you pay for renters insurance in Tennessee. 38077 is the least affordable ZIP code for Tennessee renters at an average cost of $400 a year or $33 monthly.We have analyzed quotes from the major insurance carriers across all the ZIP codes in Tennessee. Below are the average annual renters insurance costs by ZIP code.ZIP codeCityAverage annual rateAverage monthly rate38077Wynnburg$400$3338080Ridgely$381$3238127Memphis$376$3138079Tiptonville$375$3138254Samburg$373$3138070Tigrett$371$3138047Lenox$370$3138007Bogota$369$3138163Memphis$363$30 Renters and auto bundle discounts in TennesseeIf you’re looking for ways to trim costs on your insurance premiums, consider purchasing renters and auto insurance from the same company.Bundling policies can help you save an average of 6% annually in Tennessee. State Farm offers the cheapest rate on renters and auto insurance bundle. You can save 8% a year on your premiums.CompanyAverage annual rate$ bundle average savings% bundle average savingsState Farm$1,105$928%Nationwide$1,220$846%Tennessee Farmers$1,386$1449%Travelers$1,444$765%Auto-Owners$1,479$785%Farmers$1,510$1137%Erie Insurance$1,539$19111%Geico$1,768$523%Allstate$2,639$1244%Progressive$2,662$984%Final thoughts: Average renters insurance in TennesseeRenters insurance is a must-have for renters in Tennessee. It protects your belongings in the event of damage from fire, theft, vandalism or any other natural disasters.To find the best renters insurance at an affordable rate, shop around and compare quotes from multiple insurance companies. In addition to price, consider factors like coverage options, deductibles and customer reviews.How much is renters insurance in other statesAlaska$257/YearAlabama$324/YearArkansas$363/YearArizona$260/YearCalifornia$271/YearColorado$191/YearConnecticut$292/YearWashington, D.C.$272/YearDelaware$181/YearFlorida$248/YearGeorgia$352/YearHawaii$247/YearIowa$203/YearIdaho$184/YearIllinois$246/YearIndiana$269/YearKansas$251/YearKentucky$207/YearLouisiana$504/YearMassachusetts$262/YearMaryland$256/YearMaine$198/YearMichigan$340/YearMinnesota$211/YearMissouri$231/YearMississippi$387/YearMontana$275/YearNorth Carolina$366/YearNorth Dakota$192/YearNebraska$295/YearNew Hampshire$173/YearNew Jersey$207/YearNew Mexico$201/YearNevada$246/YearNew York$293/YearOhio$252/YearOklahoma$281/YearOregon$288/YearPennsylvania$274/YearRhode Island$476/YearSouth Carolina$294/YearSouth Dakota$202/YearTexas$226/YearUtah$204/YearVirginia$235/YearVermont$182/YearWashington$222/YearWisconsin$167/YearWest Virginia$248/YearWyoming$136/YearShow more Explore other insurance options in Tennessee Average homeowners insurance cost in Tennessee Average car insurance cost in Tennessee Non-owner auto insurance in Tennessee Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. In case you missed it What is HO-6 condo insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2025 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Hurricanes and home insurance: How hurricane insurance works How replacement cost coverage works when you file a claim How much do claims increase home insurance rates? Mobile home insurance cost and coverage in 2025 Homeowners insurance basics Home Insurance Advisor Cheapest homeowners insurance in 2024 How much flood insurance do I need? How to bundle home and auto insurance policies to save money The largest home insurance companies by market share Home insurance discounts for cheaper rates How much does dog liability insurance cost and do you need it? Do you have an emergency go-bag? Most Americans don’t 1/1 Related Articles Guide to the insurance claims history report (CLUE) By Shivani Gite Guide to off-grid home insurance By Lena Borrelli Renters insurance: Compare quotes in 2025 By Prachi Singh How to find a homeowners insurance policy By Shivani Gite Renters insurance calculator: How much renters insurance costs by state and city in 2025 By Shivani Gite Mobile home insurance cost and coverage in 2025 By Chris Kissell On this page Average renters insurance cost in Tennessee per monthAverage renters insurance cost in Tennessee by companyAverage cost of renters insurance in Tennessee by coverage levelAverage cost of renters insurance in Tennessee by cityAverage cost of renters insurance in Tennessee by ZIP codeRenters and auto bundle discounts in TennesseeFinal thoughts: Average renters insurance in Tennessee ZIP Code Please enter valid ZIP See rates