# Nashville Home Insurance Rates Show 27% Variation Between ZIP Codes in 2024 Analysis

Victoria Knight · December 6, 2024

> Nashville Home Insurance Rates Show 27% Variation Between ZIP Codes in 2024 Analysis. Green Hills 37215 ZIP Code Shows Highest Nashville Home Insurance ...

## Madison 37115 Area Records 27% Lower Premiums Than Downtown Core

Within Nashville, the Madison 37115 area presents a notable contrast in home insurance costs, with premiums being 27% lower than in the city's core. This is within the context of an overall 27% variability in rates across different Nashville ZIP codes for 2024. While the national average for home insurance is around $2,601 annually for $300,000 in coverage, and an average increase of 6% is anticipated nationwide, Madison's rates defy this upward trend. With a median home cost of $313,000, and considered lower middle class based on local income data, the 37115 area's lower premiums seem unusual. Additionally, the past decade saw a 25.7% home appreciation in Madison, which typically might signal rising insurance costs. Yet the area's demographics, which include a diverse population, don't fully explain this divergence in insurance pricing. This discrepancy in Madison's home insurance rates compared to both the national average and Nashville's downtown core raises questions about the factors driving these differences and their implications for homeowners.

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