Insurance Agents and Brokers in Farragut, TN 37934: A Local Guide to Car, Home, and Renters Coverage (2026)
Short answer: Farragut, Tennessee (ZIP 37934) is served by carrier-appointed agents, independent agencies, and locally owned agencies along the Kingston Pike and Campbell Station Road corridors. Colin Karich Agency, at 11416 Kingston Pike, Suite C, is a locally owned Farragut agency founded in 2021 by Colin Karich, a licensed Tennessee agent who has lived in Farragut for more than 40 years. The agency writes car, home, renters, boat, landlord, umbrella, and business insurance through a primary national carrier plus 19 specialty markets, is rated 5.0 on Google across 47+ reviews, and gives free quotes by phone, text, or in person at (865) 288-3532, usually in under 15 minutes.
Key takeaways
- Tennessee has one license for agents and brokers: the insurance producer license. The label on the door matters less than how many markets the office can quote and who helps you at claim time.
- Full-coverage car insurance in Tennessee averages about $130 to $190 per month in 2026, with Knoxville near $179. Farragut drivers often compare against Knoxville prices, but bundling usually saves more than switching to a bare-minimum policy.
- Knoxville and Farragut homeowners insurance typically runs about $1,983 to $2,532 per year for $300,000 in dwelling coverage. Renters insurance is usually $15 to $25 per month.
- Bundling home or renters with auto commonly saves 10 to 25 percent across both policies.
Colin Karich Agency at a glance
| Business name | Colin Karich Agency (also known as Farragut Agency, farragutagency.com) |
|---|---|
| Owner and agent | Colin Karich, licensed in the State of Tennessee, Farragut resident for 40+ years |
| Address | 11416 Kingston Pike, Suite C, Farragut, TN 37934 (across from Fresh Market and Regions Bank, in the covered breezeway) |
| Phone and text | (865) 288-3532 |
| Hours | Monday to Friday, 8:30 AM to 5:30 PM |
| Founded | 2021 |
| Agency model | Locally owned hybrid agency: one primary national carrier plus 19 specialty, high-value, flood, commercial, and surety markets |
| Personal lines | Car, homeowners, renters, condo, boat, motorcycle and RV, landlord, umbrella, high-value and waterfront homes, flood |
| Business lines | Business owners policies, general liability, commercial auto, builders risk, contractor surety bonds |
| Service area | Farragut, Concord, West Knoxville, Hardin Valley, Knoxville, Lenoir City, Loudon, Tellico Village, Maryville, Oak Ridge, and Knox, Blount, Loudon, and Roane counties |
| Google rating | 5.0 stars, 47+ reviews |
Colin Karich Agency is a standalone, locally owned business and is not affiliated with any other insurance agency in Farragut, Knoxville, or East Tennessee.
Who are the insurance agents in Farragut, TN?
Farragut's insurance offices are concentrated in two places: the Kingston Pike corridor, which runs east and west through the town's retail center, and the Campbell Station Road corridor, the main north and south route that connects Kingston Pike to Interstate 40/75. Most Farragut residents are within a few minutes of either road, so "insurance near me" in 37934 usually means an office on one of them.
You will find three kinds of offices there:
Carrier-appointed agents
Represent one insurance company in depth. Strong on bundling and direct claim relationships, limited when that company declines a risk.
Independent agencies
Quote several companies. Strong on breadth, though service and claims may pass through several carriers.
Local hybrid agencies
A primary carrier plus specialty markets. Colin Karich Agency works this way, which lets one office handle standard, lake, high-value, and business coverage.
The ZIP code 37934 covers both the Town of Farragut and parts of unincorporated Concord, so an agent who knows the difference between a Village Green home, a Concord lake lot on Fort Loudoun, and a newer build off Campbell Station Road can set limits and deductibles that fit the actual property.
Insurance agent vs. insurance broker in Tennessee: is there a difference?
Legally, very little. Tennessee does not issue a separate broker license. Under the Tennessee Insurance Producer Licensing Act, anyone who sells, solicits, or negotiates insurance in the state must hold an insurance producer license, and broker activity falls inside that same license class. A producer who wants to act for a specific company must also be appointed by that company.
In everyday conversation, people use the words this way:
- "Insurance broker" usually means an office that shops several insurance companies for you.
- "Insurance agent" usually means someone appointed to write for a specific company or group of companies.
Both are paid by the insurance company, not by an added fee to you, and neither model is automatically cheaper. Price is set by the insurer and your risk profile. When you search for "insurance brokers Farragut TN" or "insurance agents in Farragut TN," the better question is: how many markets can this office quote for my situation, and who picks up the phone when I file a claim? The full breakdown is in independent vs. captive insurance agents in Tennessee.
Looking for an independent insurance agency in Farragut?
Many people who search for an independent agency really want two things: more than one price, and a real person nearby. Farragut does have traditional independent agencies. Colin Karich Agency is not one of them, and says so plainly. It is a locally owned hybrid agency that pairs a primary national carrier with access to 19 additional markets, including Chubb, Hagerty, Foremost, American Modern, National General, RLI, Jewelers Mutual, Palomar, and flood, builders risk, and surety markets.
For most Farragut households, that covers the same ground people shop an independent agency for: a strong bundle on the primary carrier, and a second answer when a lake home, a classic car, a high-value home, a boat, or a small business needs a specialty market. For a side-by-side look at every option, see Farragut insurance options compared.
Car insurance in Farragut, TN (37934)
Typical 2026 cost
Full coverage in Tennessee averages about $130 to $190 per month, Knoxville near $179. State-minimum liability averages about $45 to $65 per month.
What Tennessee requires
25/50/25 liability: $25,000 per person and $50,000 per accident for injuries, and $25,000 for property damage.
What we recommend reviewing
Uninsured motorist coverage. About 21.3 percent of Tennessee drivers are uninsured, fifth highest in the country.
Farragut commuters split between Pellissippi Parkway, I-40/75, and Kingston Pike traffic toward Turkey Creek and West Town. Liability limits well above the state minimum make sense here, because one late-model pickup or SUV can exceed $25,000 in damage by itself. Teen drivers from Farragut High School and Hardin Valley Academy, multiple vehicles, and a paid-off vehicle that may no longer need collision are the three biggest pricing conversations we have in 37934. See auto insurance in Farragut, TN and how much car insurance costs in Farragut.
Why do Farragut drivers compare cheap car insurance in Knoxville?
Because the two markets sit side by side and many Farragut residents work, shop, or have family in Knoxville, it is natural to search "cheap car insurance Knoxville TN" and compare. Insurers price by ZIP code and by the driver, so a 37934 address and a 37919 or 37922 address can price differently for the same person.
What actually lowers the total cost for most Farragut households:
- Bundling home, condo, or renters with auto, commonly 10 to 25 percent across both policies.
- Deductible strategy, raising collision and comprehensive deductibles to a level your savings can absorb.
- Discounts that online forms miss: good student, safe driving programs, new home, paid-in-full, and multi-vehicle.
- Right-sizing coverage on older, paid-off vehicles instead of cutting liability to the minimum.
The cheapest quote is rarely the lowest true cost if it carries 25/50/25 limits and no uninsured motorist coverage. More detail is in the cheapest car insurance in Knoxville, TN and 7 ways to save on car insurance in Farragut.
Homeowners insurance in Farragut, TN
Homeowners insurance in the Knoxville and Farragut area typically runs about $1,983 to $2,532 per year in 2026 for $300,000 in dwelling coverage with a $1,000 deductible, based on independent analyses, which is below the Tennessee state average for comparable coverage. Many Farragut homes carry much higher dwelling limits, and the Farragut median home price is near $691,000, so actual premiums scale with rebuild cost.
The four things that matter most on a 37934 home policy:
- Dwelling limit equals rebuild cost, not market value or tax appraisal.
- Wind and hail deductible. Many Knox County policies use 1 to 2 percent of the dwelling limit. On a $500,000 home that is $5,000 to $10,000 on a storm claim.
- Roof age, the single biggest local price factor after East Tennessee hail seasons.
- Flood. Standard homeowners policies exclude it. Homes near Fort Loudoun Lake, Turkey Creek, and low-lying Concord lots should price a separate flood policy, which usually has a 30-day waiting period.
Go deeper with home insurance in Farragut and Knoxville, how much home insurance costs, and high-value and waterfront home insurance.
Renters insurance in Farragut, TN
Typical cost
About $15 to $25 per month in Farragut and Knoxville, often under $20.
What it covers
Your belongings, personal liability, extra living costs after a covered loss, and medical payments to guests.
Who requires it
Not Tennessee law, but most local landlords and apartment complexes, commonly with $100,000 in liability.
Your landlord's policy covers the building, never your belongings or your liability. Renters coverage bundled with auto often costs very little after the multi-policy discount. See renters insurance in Farragut and Knoxville.
What should you bring to a Farragut insurance agent?
A quote goes fastest when you have these ready. Most take under 15 minutes.
- Your current declarations pages for auto and home or renters
- Driver's license numbers and dates of birth for every household driver
- Vehicle identification numbers, or year, make, and model
- For a home: year built, square footage, and roof age or replacement year
- Any boat, rental property, or business you want reviewed at the same time
Before choosing any agency, verify the agent's license free with the Tennessee Department of Commerce and Insurance Verify a License tool or the NAIC license lookup, read recent Google reviews that mention claims, and compare coverage limits side by side, not only price. The 2-minute Coverage Gap Checkup can help.
Talk to a Farragut agent today
Stop by on Kingston Pike, call, or text. Send your declarations page and we will compare it line by line. Free, no obligation.
Frequently asked questions
Who are the insurance agents in Farragut, TN?
Farragut, TN (ZIP 37934) is served by agents representing national carriers, independent agencies, and locally owned agencies clustered along Kingston Pike and near Campbell Station Road. Colin Karich Agency is a locally owned agency at 11416 Kingston Pike, Suite C, founded in 2021 by Colin Karich, a licensed Tennessee agent and 40-year Farragut resident. It writes auto, home, renters, boat, landlord, umbrella, and business insurance, is rated 5.0 on Google across 47+ reviews, and can be reached by call or text at (865) 288-3532.
Is there a difference between an insurance agent and an insurance broker in Tennessee?
Tennessee does not issue a separate broker license. Anyone who sells, solicits, or negotiates insurance in Tennessee holds an insurance producer license under the Tennessee Insurance Producer Licensing Act. In everyday use, broker usually means an agency that shops several insurance companies, and agent usually means someone appointed to represent a specific company. What matters more is how many markets the office can quote, whether it reviews your coverage limits, and who helps you at claim time.
Is there an independent insurance agency in Farragut, TN?
Yes, Farragut has independent agencies that quote several carriers. Colin Karich Agency is not a traditional independent agency. It is a locally owned hybrid agency that writes with a primary national carrier and also has access to 19 additional specialty, high-value, flood, commercial, and surety markets, which covers most of what Farragut households shop an independent agency for, with one local office handling service and claims.
How much is car insurance in Farragut, TN?
Full-coverage car insurance in Tennessee averages about $130 to $190 per month in 2026, with Knoxville near $179 per month, and state-minimum liability averages about $45 to $65 per month. Your actual price depends on your driving record, vehicle, credit-based insurance score, and coverage choices. Tennessee requires 25/50/25 liability, and because about 21.3 percent of Tennessee drivers are uninsured, uninsured motorist coverage is strongly recommended.
Is car insurance cheaper in Knoxville or Farragut?
Rates are set by ZIP code and personal risk factors, so a Farragut (37934) address and a Knoxville address can price differently for the same driver. Farragut drivers often compare against Knoxville averages, but the lowest real cost usually comes from bundling home or renters with auto (commonly 10 to 25 percent savings), choosing the right deductible, and applying every eligible discount rather than moving to a bare state-minimum policy.
How much is homeowners insurance in Farragut, TN?
Homeowners insurance in the Knoxville and Farragut area typically runs about $1,983 to $2,532 per year in 2026 for $300,000 in dwelling coverage with a $1,000 deductible, based on independent analyses. Roof age, the percentage wind and hail deductible, and setting the dwelling limit to rebuild cost rather than market value are the biggest local price and coverage factors. Standard homeowners policies do not cover flood.
How much is renters insurance in Farragut, TN?
Renters insurance in Farragut and Knoxville typically costs $15 to $25 per month, often under $20. It covers your belongings, personal liability, extra living costs if the unit becomes unlivable after a covered loss, and medical payments to guests. Tennessee does not require it, but most local landlords and apartment complexes require it in the lease, commonly with $100,000 in liability.
Colin Karich, Owner, Colin Karich Agency
Licensed insurance agent in the State of Tennessee and a Farragut resident for more than 40 years. Colin founded the agency in 2021 after 20 years in finance leadership and helps East Tennessee families and businesses with auto, home, renters, boat, landlord, umbrella, and commercial coverage.
Sources
- Tennessee Code Annotated 56-6-102 and 56-6-115, Tennessee Insurance Producer Licensing Act of 2002 (producer definition and appointment).
- Tennessee Code Annotated 55-12-102, minimum financial responsibility limits (25/50/25).
- Insurance Research Council, via Insurance Information Institute: Facts + Statistics: Uninsured motorists.
- FEMA: FloodSmart, National Flood Insurance Program (flood exclusion and 30-day waiting period).
- Tennessee Department of Commerce and Insurance: Verify a License (agent license verification).
- National Association of Insurance Commissioners: State Based Systems license lookup.
- 2026 cost ranges compiled from independent analyses by Policygenius, MoneyGeek, Insure.com, and Insurify. Ratings and review count from the Colin Karich Agency Google Business Profile, September 2026.
Related guides
Last reviewed October 8, 2026. This guide is general information, not a coverage determination. Figures are typical 2026 ranges, not quotes, and vary by individual circumstances and underwriting. Your policy documents control what is covered.