Arkansas vs Tennessee: Where Renters Insurance Costs More
Renters Insurance in Arkansas ($35/mo) vs Tennessee ($24/mo) — a 37% gap between neighbors, explained with July 2026 data.
Arkansas and Tennessee share a border, but for renters insurance they don't share much else: Arkansas averages $35/mo (rank #49 of 50) and Tennessee averages $24/mo (rank #36) as of July 2026 — a 37% gap. Insurance is regulated state by state, so each side of the line is its own market.
| Arkansas | Tennessee | U.S. average | |
|---|---|---|---|
| Monthly premium ($30K property) | $35/mo | $24/mo | $23/mo |
Arkansas in context
Arkansas is one of the most expensive states for renters insurance, ranking #49 of 50 at $35/mo — about 52% above the national average of $23/mo.
Tennessee in context
Tennessee sits in the pricier half of the country at #36 of 50, averaging $24/mo — about 4% above the national average.
Full local breakdowns: Arkansas · Tennessee · all states ranked.
The single most reliable way to cut your premium is comparing quotes — carriers price the same coverage very differently — State Farm averages $14/month while others charge $24+ for comparable policies.
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