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Counties With the Cheapest Homeowners Insurance in Tennessee (2026)

Hamblen has the lowest homeowners insurance of any county in Tennessee, at $1,402, followed by Sullivan and Unicoi. Source: Keys-Mulder escrow dataset (NBER WP 32579), Escrow 2024. The full ranking of the top 25 counties is below.

Data updated 2024 - Source: Keys-Mulder escrow dataset (NBER WP 32579)

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Cheapest counties for homeowners insurance in Tennessee

Top 25 of 95 counties with data.

Ranked by homeowners insurance cost (Keys-Mulder escrow dataset (NBER WP 32579), Escrow 2024), lowest first.

Cheapest counties for homeowners insurance in Tennessee
RankCountyValue
1Hamblen$1,402
2Sullivan$1,430
3Unicoi$1,451
4Hawkins$1,456
5Carter$1,525
6Cocke$1,631
7Knox$1,652
8Bradley$1,657
9Loudon$1,679
10Union$1,687
11Grainger$1,690
12Campbell$1,693
13Anderson$1,694
14Jefferson$1,696
15Cumberland$1,725
16Greene$1,739
17Sevier$1,750
18Marshall$1,789
19Overton$1,792
20Rhea$1,805
21Putnam$1,830
22Giles$1,837
23Blount$1,842
24White$1,859
25Bedford$1,864

How this ranking works

This page ranks Tennessee counties by homeowners insurance cost, sorted so the cheapest places appear first. Click any county to see its housing, schools, crime, and demographics in detail.

For homeowners insurance, a lower value is generally more favorable, so the top of the list is the lowest. Want to weigh homeowners insurance against schools, taxes, commute, and more at once? Use the live map to build a custom match.

Data comes from public sources. Source attribution and the exact data vintage are shown above and on the full map of homeowners insurance cost.

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