How Much Does Home Insurance Cost in Nashville, TN?
Average annual homeowners insurance premium. Updated March 2026 with data from BLS, U.S. Census Bureau, and industry surveys.
Typical Cost Range
$1.040 – $3.640
+4% vs national average
$1.040$2.340$3.640
LowNational avg: $2.250High
Nashville vs State & National Average
| Category | Nashville | Tennessee Avg | National Avg |
|---|---|---|---|
| Average cost | $2.340 | $2.336 | $2.250 |
| Low estimate | $1.040 | $1.752 | $1.688 |
| High estimate | $3.640 | $3.037 | $2.925 |
Detailed Cost Breakdown
| Item | Low | High | |
|---|---|---|---|
| Low estimate | $1.000 | $1.200 | |
| Average | $2.025 | $2.475 | |
| High estimate | $2.800 | $3.500 |
Home Insurance in Nearby Cities
Frequently Asked Questions
How much does home insurance cost in Nashville?
In Nashville, TN, home insurance typically costs between $1.040 and $3.640. The average is $2.340, which is 4% above the national average.
Is Nashville expensive for home insurance?
Nashville has a cost-of-living index of 104 (100 = national average). Home Insurance costs are 4% higher than the national average of $2.250.
What factors affect home insurance costs in Nashville?
Key factors include local labor costs, cost of materials, market competition, Tennessee state regulations, and Nashville's overall cost of living (index: 104/100). Prices can also vary by season and specific requirements.