Short answer: home insurance in Memphis, TN 38105 depends on your ZIP code, coverage level and driver/home profile. Compare free quotes from licensed partners in ~2 minutes. Local averages: get a quote for your exact rate.
Updated August 2026
ZIP 38105 · Memphis, TN · Shelby County
Tennessee statewide average: ~$1,492/yr (NAIC, 2022).
FAQ
How much is home insurance in ZIP 38105?
Rates in 38105 (Memphis, TN) depend on coverage and profile. Compare free home insurance quotes from licensed partners.
Is ZIP 38105 in Memphis?
Yes — 38105 is in Memphis, Shelby County, TN.
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