Compare car insurance rates across all 50 states. See average premiums, cheapest and most expensive states, and what factors drive costs in your area.
Tennessee Insurance Guide
Recently updated
Insurance in Tennessee
Find comprehensive insurance information for Tennessee (TN) residents. From health coverage to auto and home insurance, we’ll help you understand your options in the Southeast region.
Not sure what coverage you need? Take our Coverage Quiz for personalized recommendations.
Quick Facts
| State | Tennessee (TN) |
| Region | Southeast |
| Population | ~7.0M residents |
| Health Marketplace | Healthcare.gov |
| Insurance Regulator | Tennessee Department of Insurance |
Health Insurance in Tennessee
Tennessee residents can find health coverage through:
- Healthcare.gov - The official health insurance marketplace
- Employer-sponsored insurance - Coverage through your workplace
- Medicaid - For eligible low-income residents
- Medicare - For residents 65 and older
Auto Insurance in Tennessee
Tennessee has specific requirements for auto insurance coverage. Learn about minimum liability requirements, optional coverages, and how to find the best rates.
Homeowners Insurance in Tennessee
Protect your home with coverage tailored to Tennessee’s specific risks and requirements.
Life Insurance in Tennessee
Find life insurance options available to Tennessee residents to protect your family’s financial future.
How Tennessee Compares
Understanding how Tennessee stacks up against national averages helps you evaluate your insurance costs and coverage options.
| Metric | Tennessee | National Avg | Comparison |
|---|---|---|---|
| Auto Insurance (annual) | $1,212 | $1,935 | -37% (below average) |
| Health Insurance (monthly) | $556 | $477 | +17% (near average) |
| Home Insurance (annual) | $1,678 | $2,377 | -29% (near average) |
| Uninsured Rate | 11.1% | 9.5% | +17% (below average) |
Related Resources
- What Insurance Do I Need? - Coverage Quiz - Find out which coverage types match your situation
- Insurance Coverage Checklist - Review your coverage and identify gaps
- Insurance Costs by State - Compare costs across all 50 states
- Insurance Glossary - Understand common insurance terms
Related Insurance Types
- Health Insurance - Medical coverage options
- Auto Insurance - Vehicle coverage requirements
- Homeowners Insurance - Home protection
- Life Insurance - Financial protection for your family
- Business Insurance - Coverage for business owners
Official Resources
- Tennessee Department of Commerce and Insurance (opens in new tab) - State insurance regulator, file complaints, verify licenses
- Healthcare.gov - Tennessee (opens in new tab) - Federal health insurance marketplace for Tennessee
- FEMA Flood Map Service Center (opens in new tab) - Check flood zones for any Tennessee address
Contact Your State Insurance Department
Have questions about insurance coverage, need to file a complaint, or want to verify an agent's license? Contact your state regulator:
- Agency
- Tennessee Department of Commerce and Insurance
- Phone
- 615-741-2241
- Website
- Visit Official Website
Frequently Asked Questions
What is the minimum auto insurance required in Tennessee?
Tennessee requires minimum liability coverage of 25/50/15: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $15,000 for property damage. Tennessee does not require uninsured motorist coverage, but it’s recommended.
How do I get health insurance in Tennessee?
Tennessee uses the federal marketplace at Healthcare.gov. Open enrollment runs November through January. Tennessee has not expanded Medicaid (TennCare has limited adult eligibility), so marketplace plans with premium tax credits are important for coverage.
Does Tennessee homeowners insurance cover tornado damage?
Yes, standard homeowners insurance covers tornado and wind damage in Tennessee. Tennessee experiences significant tornado activity, particularly in Middle and West Tennessee. Understand your wind/hail deductible.
Is flood insurance required in Tennessee?
Flood insurance is required for properties in FEMA-designated flood zones with federally backed mortgages. Tennessee has flood risk from rivers and severe thunderstorms. Coverage is recommended even outside flood zones.
What is the average cost of car insurance in Tennessee?
Tennessee drivers pay approximately $1,200-$1,400 per year for full coverage auto insurance, which is near the national average. Nashville and Memphis metro areas have higher rates than rural Tennessee.
No FAQs match your search. Try different keywords or .
[tennessee] Insurance Types
Compare insurance options available to [tennessee] residents. Requirements and costs vary - learn what coverage you need.
Neighboring State Guides
Explore insurance guides for states bordering Tennessee:
Related Articles (3)
Compare health insurance premiums across all 50 states. See ACA marketplace costs, employer plan averages, and what drives health coverage prices in your area.
Compare homeowners insurance rates across all 50 states. See average premiums, disaster risk impacts, and what drives home insurance costs in your area.