Below are our picks for Tennessee's best home and auto insurance bundling companies:
Best Home and Auto Insurance in Tennessee
Updated: April 8, 2025
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Key Takeaways
State Farm, USAA and Allstate are Tennessee's top home and auto insurance choices.
State Farm offers the best home and car insurance discount, with savings of 16% on auto and 35% on home insurance.
Tennessee's average home and auto insurance cost is $3,212 annually, 4% higher than the national average.
Who Offers the Best Home and Auto Insurance Bundles in Tennessee?
| USAA | 97 | $2,285 | $180 |
| Auto-Owners | 92 | $2,300 | $258 |
| State Farm | 88 | $2,238 | $959 |
| Allstate | 81 | $2,814 | $384 |
| Progressive | 77 | $2,977 | $90 |
| Farmers | 75 | $3,159 | $583 |
| Travelers | 74 | $6,709 | $653 |
State Farm: Best Cheap Home and Auto Insurance in Tennessee
State Farm offers the cheapest home and auto insurance in Tennessee, with discounts of 16% on auto and 35% on home coverage. Young drivers can save more through programs like Steer Clear or Drive Safe and Save. State Farm ranks seventh in J.D. Power customer satisfaction studies for home and auto insurance, making it a reliable choice for quality service at affordable prices.
| Auto | $712 | $137 | 16% |
| Home | $1,526 | $822 | 35% |
USAA: Best Home and Auto Insurance in Tennessee for Military
USAA offers Tennessee's military families the second cheapest home and auto insurance rates. Its SafePilot program rewards safe drivers with up to 30% savings. J.D. Power ranks USAA as the top company for home and auto insurance customer satisfaction.
| Auto | $660 | $22 | 3% |
| Home | $1,625 | $158 | 9% |
Allstate: Best Home and Auto Insurance Coverage Options in Tennessee
Allstate isn't among the cheapest home and auto insurance options in Tennessee, but it offers many discounts. Its Drivewise program can save drivers up to 40% on car insurance. Allstate's unique coverage options include accident forgiveness to protect rates after crashes, new car replacement for recent models and green improvement reimbursement for eco-friendly home upgrades.
| Auto | $1,057 | $133 | 11% |
| Home | $1,756 | $251 | 13% |
Tennessee Home and Auto Insurance Cost
Tennessee's average monthly home and auto insurance cost is $268, above the national average of $258. Depending on the provider, monthly rates range from $187 to $559.
| Tennessee home and auto insurance bundle | $3,212 | $-118 | 4% |
| National home and auto insurance bundle | $3,094 | $0 | 0% |
Tennessee Home and Auto Insurance Quotes Without Bundling
Our research shows that buying home and auto insurance separately in Tennessee costs less, though your quotes may vary. Below are the average costs of all coverage options from our top providers without bundling, listed from cheapest to most expensive.
| USAA | Progressive | $2,154 |
| Auto-Owners | Progressive | $2,281 |
| State Farm | Progressive | $2,321 |
| USAA | Auto-Owners | $2,431 |
| Auto-Owners | USAA | $2,593 |
| State Farm | Auto-Owners | $2,598 |
| State Farm | USAA | $2,633 |
| Allstate | Progressive | $2,662 |
| Farmers | Progressive | $2,682 |
| USAA | Allstate | $2,689 |
| Travelers | Progressive | $2,733 |
| Auto-Owners | Allstate | $2,817 |
| State Farm | Allstate | $2,857 |
| Allstate | Auto-Owners | $2,939 |
| Farmers | Auto-Owners | $2,959 |
| Allstate | USAA | $2,974 |
| Farmers | USAA | $2,993 |
| Travelers | Auto-Owners | $3,010 |
| USAA | State Farm | $3,029 |
| Travelers | USAA | $3,045 |
| Auto-Owners | State Farm | $3,157 |
| USAA | Farmers | $3,214 |
| Farmers | Allstate | $3,217 |
| Travelers | Allstate | $3,269 |
| Auto-Owners | Farmers | $3,342 |
| Progressive | Auto-Owners | $3,344 |
| Progressive | USAA | $3,378 |
| State Farm | Farmers | $3,382 |
| Allstate | State Farm | $3,538 |
| Farmers | State Farm | $3,557 |
| Progressive | Allstate | $3,602 |
| Travelers | State Farm | $3,609 |
| Allstate | Farmers | $3,723 |
| Travelers | Farmers | $3,794 |
| Progressive | State Farm | $3,942 |
| Progressive | Farmers | $4,127 |
| USAA | Travelers | $6,783 |
| Auto-Owners | Travelers | $6,911 |
| State Farm | Travelers | $6,951 |
| Allstate | Travelers | $7,292 |
| Farmers | Travelers | $7,311 |
| Progressive | Travelers | $7,696 |
Should I Bundle Home and Auto Insurance in Tennessee?
Tennessee drivers often find bundling home and auto insurance more expensive than buying them separately. Assess your coverage needs and financial situation to choose the best option.
Individual policies cost less in Tennessee
Tennessee's cheapest annual home and auto insurance costs $2,154 without bundling and $2,238 with bundling. Buying separate policies can save you money.
Bundling makes policy management convenient
Bundling policies simplifies insurance management through a single account, making it easier to track coverage and payments.
It might be better not to bundle in Tennessee
Purchasing nonbundle insurance can help you save money and provide more flexibility in coverage options.
Best Auto and Home Insurance in Tennessee: Bottom Line
State Farm, USAA and Allstate are Tennessee's top choices for bundling home and auto insurance. However, buying separate policies usually costs less. Compare multiple companies and get quotes to find the best deal for your needs.
Home and Auto Insurance in Tennessee: FAQ
Find expert answers to common questions about Tennessee home and auto insurance here:
Who has the best home and auto insurance in Tennessee?
State Farm is the top option for most Tennessee drivers seeking affordable home and auto insurance. USAA offers the best rates for military members and their families, while Allstate is the best choice for those wanting more coverage options.
Who has the cheapest home and auto insurance in Tennessee?
State Farm offers Tennessee's cheapest home and auto insurance bundle at $2,238 yearly. Customers save about $959, or 30% below the state average.
How much does home and auto insurance in Tennessee cost on average?
In Tennessee, bundled home and auto insurance costs an average of $3,212 yearly, 4% higher than the national average. The most affordable bundle rate is about $2,238, while the highest reaches $6,709.
Is bundling home and auto insurance cheaper in Tennessee?
Our research shows bundling home and auto insurance typically costs more in Tennessee. While choosing the cheapest option is tempting, make sure it provides enough financial protection against major losses. Find a balance between saving money and getting comprehensive coverage.
Best Auto and Home Insurance Bundle in Tennessee: Our Methodology
Bundle Scoring System
MoneyGeek calculated home and vehicle insurance rates using data from the Tennessee Department of Commerce and Insurance and Quadrant Information Services. We added customer satisfaction ratings from leading agencies, including AM Best and J.D. Power, to create individual home and auto insurance scores. We also examined each insurer's bundle discounts to measure savings potential.
We based the "bundle score" out of 100 on these weighted categories:
- Home insurance score: 40%
- Auto insurance score: 40%
- Discounts: 20%
Car, Home and Buyer Profile in Tennessee
MoneyGeek's typical profile includes:
- 40-year-old male
- Good driving history
- 2010 Toyota Camry LE
- 12,000 miles driven annually
- Home built in 2000
Coverage Levels in Tennessee
MoneyGeek analyzed rates for full coverage auto insurance with these limits:
- $100,000 property damage liability
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- Comprehensive and collision coverage with a $1,000 deductible
We also analyzed rates for homeowners insurance with the following coverage:
- $250,000 dwelling coverage
- $25,000 other structures coverage
- $100,000 personal property coverage
- $25,000 loss of use coverage
- $100,000 personal liability coverage
- $1,000 medical payments coverage
- All-perils coverage with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.