Oak Ridge has 32,693 residents in 14,015 households. We list 7 agencies for home insurance in Oak Ridge. Here is what the local numbers say about the cover people here need.

Oak Ridge at a glance

7home insurance agencies listed
34.2%of households rentRenters insurance
$270,200median home valueHome insurance
1965median year homes were builtRebuild cost calculator
5.1%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Car insurance rules in Tennessee

Tennessee requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $25,000 of property damage liability, often written 25/50/25.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Oak Ridge How much liability cover do you need?

Source: tn.gov. Checked 2026-10-24.

Where Oak Ridge agencies are

Oak Ridge agencies we list sit in 2 ZIP codes, mostly in Anderson County.

378306 agencies
378311 agency

Questions

Home insurance in Oak Ridge

All insurance agencies in Oak Ridge · Home insurance across Tennessee

Where can I find home insurance in Oak Ridge?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does home insurance cover?

Covers your building, your contents and your liability as a homeowner.

Do I need flood insurance in Oak Ridge?

FEMA's National Risk Index rates inland flooding risk in Anderson County as Relatively Moderate compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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