Cheapest Auto Insurance in Murfreesboro, Tennessee (2024)
State Farm offers the cheapest car insurance in Murfreesboro, with minimum-coverage policies as low as $23 per month.
Excellent
)
Written byLindsay VanSomeren
)
8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.
Featured in
){kind=small}
){kind=small}
){kind=small}
){kind=small}
)
Edited byChris Schafer
)
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
Featured in
){kind=small}
){kind=small}
){kind=small}
){kind=small}
)
Reviewed byMark Friedlander
)
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Updated November 21, 2024
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Table of contents
If you’re looking for car insurance in Murfreesboro, the bad news is the city is one of the more expensive areas for coverage in Tennessee. Murfreesboro is one of the state’s more urban areas, and factors like higher rates of vehicle crime and accidents likely contribute to the city's higher insurance costs.[1]
The overall average monthly cost of car insurance in Murfreesboro is $122, according to Insurify data. By comparison, the Tennessee state average is $116 per month.
We’ll take a look at what causes rates to climb or decrease so you can see how you can get the most affordable coverage in Murfreesboro by comparing car insurance quotes from multiple companies.
Quick Facts
Tennessee allows insurers to consider your credit history when setting car insurance rates.
Fatal car crashes in Murfreesboro increased nearly 43% in 2023, according to data from the Tennessee Department of Safety & Homeland Security.
Tennessee requires drivers to carry a minimum 25/50/25 liability policy.[2]
3 of the cheapest car insurance companies in Murfreesboro
The price you pay for insurance will depend on several individual rating factors, such as your driving history, age, ZIP code, marital status, and more. That’s why it’s always best to gather at least three quotes, so you can find the cheapest price for your individual situation.
As you begin your search, keep the following insurers in mind:
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best for ▲▼ |
|---|---|---|---|---|
| State Farm | 9.3 | $44 | $22 | Low rates |
| USAA | 9.4 | $52 | $26 | Military members |
| GEICO | 9.0 | $57 | $28 | Area alumni |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for low rates: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $23/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $46/mo |
4.2
Best choiceBased on 9037 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,970)
Charles
November 19, 2024
Verified Review
New Car Price
State Farm is preferred due to its loyalty and pricing. Despite my vehicle being 20 years old, the policy is priced as if it were 2 years old.
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm consistently ranks as one of the cheapest insurers in the country regardless of where you live, but it’s a bit personal when it comes to Murfreesboro. The company is actually one of the largest employers in Rutherford County, with more than 1,600 area employees.
In addition to low average rates, State Farm also has a reputation for excellent customer service. J.D. Power gave it an above-average rating compared to other companies operating in Tennessee on its 2024 annual survey of overall satisfaction among customers.
Pros
Major local employer
Cheap auto insurance rates
Highly rated by independent reviewers
Cons
Gap coverage not available
Higher rates for drivers with bad credit
No custom aftermarket coverage
Best insurer for military members: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $27/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $55/mo |
4.9
Best choiceBased on 1602 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (914)
Gloria
November 15, 2024
Verified Review
Not Good for Claims
I have storm damage and the claim process is not satisfactory.
Martin
November 11, 2024
Verified Review
Price Shopping
I have been with USAA for over 60 years. Obviously, I've been very happy. Since I don't drive very far, I have been seeing advertisements for lower prices. However, I have no plans of leaving USAA.
Rena Sabine
November 8, 2024
Verified Review
Disappointing and inflexible service
My experience with this company has been disappointing, especially this second time around. I would suggest considering other options. From my recent interactions, they have been dismissive and argumentative. I have already started finalizing my next premium with another company. I'm perplexed as to how they receive praise when they treat clients in this manner.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Roughly 6% of Rutherford County residents are veterans who may qualify for USAA membership. USAA’s services can also benefit active-duty service members and their families. USAA is also consistently rated as one of the best banking and insurance companies for people who qualify, in annual J.D. Power rankings.
USAA also offers many discounts to help military members lower their insurance costs, such as storage discounts if you deploy.
Pros
Highly rated mobile app
Military-specific discounts
Exceptional customer service
Cons
Higher-than-expected number of complaints in the National Association of Insurance Commissioner's Consumer Complaint Index
Coverage limited to members of the military community
Limited number of local offices in Tennessee
Best insurer for area alumni: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $29/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $60/mo |
4.0
Best choiceBased on 10274 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,648)
George
November 19, 2024
Verified Review
Service
The prices increase every year. I would not recommend purchasing.
James
November 19, 2024
Verified Review
Unsatisfactory Experience with Geico
Steer clear. They increase your rate at every renewal.
Edward
November 18, 2024
Verified Review
Experience with Geico
Reliable.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
GEICO also gets high marks for its overall customer satisfaction and its financial stability. But unlike USAA and State Farm, GEICO offers many discounts for being a client or member of certain associations or for graduating from certain schools.
If you’re a graduate of Middle Tennessee State University, for example, you may be able to get cheaper rates with GEICO than other insurers. You may also still qualify for good discounts even if you’ve graduated from other nearby schools.
Pros
AM Best financial strength rating of A++ (Superior), the highest level possible
Low volume of customer complaints
Special discounts for grads of TN universities
Cons
Gap coverage not available
Rideshare coverage not available
No local insurance agents in Murfreesboro
How to get the cheapest car insurance in Murfreesboro
Each insurer has its own underwriting formula for determining rates, and there’s not much you can do to change some of the factors that go into that calculation, such as your age, gender, marital status, and where you live.
However, many more factors are under your control, and you can follow these strategies to get even cheaper rates on your car insurance:
Look for specific discounts relevant to you, such as buying home insurance or life insurance with the same company.
Use telematics devices that offer cheaper rates and coach you toward safer driving skills.
Choose a higher collision or comprehensive deductible to lower your premium. Just make sure you have enough tucked away in an emergency fund in case you ever need to file a claim.
Check your credit report and your credit score for errors and look for ways you can improve your credit standing. This can also help you pay less for loans and credit in general.
Try to drive less, and consider mileage-based insurance if you’re a really low-mileage driver.
Find Car Insurance in Murfreesboro, Tennessee
Rates start as low as $23 per month for liability coverage
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Murfreesboro: State Farm
Liability-only coverage helps pay for any damage or injuries suffered by the other party in an accident you cause. However, it’s important to remember that liability coverage doesn’t protect you, your car, or your passengers.
Many drivers choose liability-only coverage because it’s the cheapest option, and the price can vary with different insurers. The average rate for liability coverage in Murfreesboro is $78, and you can see how rates vary from top insurers below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $23 |
| USAA | $27 |
| GEICO | $29 |
| Travelers | $31 |
| Auto-Owners | $32 |
| Erie | $34 |
| Mile Auto | $41 |
| Allstate | $42 |
| Farmers | $45 |
| Nationwide | $56 |
| Progressive | $61 |
| Chubb | $65 |
| Direct Auto | $72 |
| Safeco | $77 |
| Dairyland | $83 |
| State Auto | $86 |
| National General | $94 |
| Elephant | $98 |
| The General | $102 |
| GAINSCO | $103 |
| Liberty Mutual | $131 |
| Foremost | $134 |
| Bristol West | $140 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Murfreesboro: State Farm
If you’re looking to protect yourself and your vehicle against damage, you’ll want to opt for a full-coverage policy instead. Your lender or leasing company may require this type of policy if you’re financing or leasing your car. Full-coverage insurance typically includes comprehensive and collision insurance, which pays to restore or replace your vehicle if it’s damaged in an accident or through non-collision causes.
Full coverage is more expensive because of its extended protections, and the average rate in Murfreesboro is $167 per month. Here’s a collection of quotes from top insurers.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $46 |
| USAA | $55 |
| GEICO | $60 |
| Auto-Owners | $63 |
| Travelers | $63 |
| Erie | $68 |
| Mile Auto | $73 |
| Allstate | $85 |
| Farmers | $92 |
| Nationwide | $113 |
| Progressive | $123 |
| Chubb | $133 |
| Safeco | $145 |
| Elephant | $157 |
| Direct Auto | $174 |
| State Auto | $176 |
| National General | $197 |
| The General | $219 |
| Dairyland | $227 |
| Liberty Mutual | $248 |
| Foremost | $265 |
| GAINSCO | $287 |
| Bristol West | $347 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Murfreesboro, Tennessee
Drivers in and around Murfreesboro, Tennessee have found policies from Certainly, Bristol West, First Acceptance, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Murfreesboro, Tennessee within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Murfreesboro, Tennessee within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Tennessee
Tennessee is an at-fault — or tort liability — state. If you’re injured in a car accident, you may be able to sue the other party, and vice versa.
To make sure you’re able to pay for any potential losses you cause, Tennessee auto insurance laws require you to purchase a minimum amount of liability insurance as follows:
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 |
Tennessee doesn’t require you to purchase any other coverage options beyond this amount. However, if you’re interested in coverage that extends beyond the required minimum, you may want to consider:
Collision coverage
Collision coverage pays to fix or replace your car if you cause an accident with another vehicle, or you hit a stationary object like a tree or light pole.
Comprehensive coverage
If you hit an animal, or something happens while you’re not behind the wheel — like falling trees, floods, fire, vehicle theft, or vandalism — comprehensive coverage can pay for repairs.
Uninsured/underinsured motorist coverage
This pays for your damages if you’re hit by an uninsured driver or if their auto insurance coverage isn’t enough to fully cover the damage they caused. It also covers hit-and-run accidents. Tennessee requires insurance companies to offer UM/UIM coverage to all drivers, but you can decline it in writing if you don't want it.
Accident forgiveness
An optional add-on, accident forgiveness prevents your car insurance rates from rising after your first at-fault accident. You'll generally need a clean driving record for at least three years to be eligible to buy this coverage.
Find Car Insurance in Murfreesboro, TN
Check quotes from 100+ top insurance companies
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with an incident
Your driving history is one of the most important factors insurers use to determine your car insurance premium. Any past incidents — such as speeding tickets, at-fault accidents, or convictions for driving under the influence (DUI) — can make your insurance cost a lot more for several years. In the sections that follow, you’ll see how individual incident types affect your car insurance rates in Murfreesboro.
Cheapest car insurance for drivers with a speeding ticket: State Farm
Everyone speeds at some point in time, but that doesn’t mean it isn’t dangerous. In 2023, speed was a factor in 17% of all Murfreesboro crashes that resulted in fatalities or serious injuries, according to state data. That’s why insurers raise your rates if you’re caught speeding: You’re statistically more likely to cause a fatal accident.
You can expect to pay an average rate of $240 for full coverage with a speeding ticket on your record. However, some insurers will offer coverage below that rate, and you can see a breakdown here of liability rates for Murfreesboro drivers with speeding tickets.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| State Farm | $23 | $30 |
| USAA | $27 | $35 |
| GEICO | $29 | $38 |
| Travelers | $31 | $41 |
| Auto-Owners | $32 | $43 |
| Erie | $34 | $46 |
| Mile Auto | $41 | $54 |
| Allstate | $42 | $55 |
| Farmers | $45 | $59 |
| Nationwide | $56 | $74 |
| Progressive | $61 | $80 |
| Chubb | $65 | $87 |
| Direct Auto | $72 | $95 |
| Safeco | $77 | $103 |
| Dairyland | $83 | $109 |
| State Auto | $86 | $122 |
| National General | $94 | $124 |
| Elephant | $98 | $139 |
| The General | $102 | $137 |
| GAINSCO | $103 | $146 |
| Liberty Mutual | $131 | $185 |
| Foremost | $134 | $190 |
| Bristol West | $140 | $185 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
If police have determined that you were responsible for an accident, you can expect your auto insurance rates to go up for three to five years. The average rate for full-coverage insurance with an accident on your record is $248.
The table below shows the cheapest liability insurance quotes for Murfreesboro drivers with an at-fault accident on their driving record, according to Insurify data.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| State Farm | $23 | $31 |
| USAA | $27 | $37 |
| GEICO | $29 | $40 |
| Travelers | $31 | $43 |
| Auto-Owners | $32 | $44 |
| Erie | $34 | $48 |
| Mile Auto | $41 | $58 |
| Allstate | $42 | $58 |
| Farmers | $45 | $62 |
| Nationwide | $56 | $78 |
| Progressive | $61 | $85 |
| Chubb | $65 | $90 |
| Direct Auto | $72 | $101 |
| Safeco | $77 | $105 |
| Dairyland | $83 | $113 |
| State Auto | $86 | $129 |
| National General | $94 | $129 |
| Elephant | $98 | $132 |
| The General | $102 | $143 |
| GAINSCO | $103 | $136 |
| Liberty Mutual | $131 | $192 |
| Foremost | $134 | $197 |
| Bristol West | $140 | $193 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
A DUI conviction is a very serious offense, and your rates will surely climb if you have one on record. In some cases, insurers may cancel your policy mid-term or deny you coverage altogether. In Tennessee, a DUI stays on your motor vehicle record permanently. About 1 out of every 4 drivers with a DUI conviction will do it again, according to the National Highway Traffic Safety Administration.[3] In Tennessee, about 1 out of every 3 fatal crashes involves a drunk driver.[4]
The average cost of full-coverage car insurance in Murfreesboro for drivers with a DUI conviction is $281. This table shows the liability-only rates Murfreesboro drivers with DUIs can expect to pay from insurers in the area.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| State Farm | $23 | $38 |
| USAA | $27 | $45 |
| GEICO | $29 | $48 |
| Travelers | $31 | $52 |
| Auto-Owners | $32 | $53 |
| Erie | $34 | $57 |
| Mile Auto | $41 | $68 |
| Allstate | $42 | $70 |
| Farmers | $45 | $75 |
| Nationwide | $56 | $93 |
| Progressive | $61 | $102 |
| Chubb | $65 | $108 |
| Direct Auto | $72 | $120 |
| Safeco | $77 | $119 |
| Dairyland | $83 | $138 |
| State Auto | $86 | $143 |
| National General | $94 | $157 |
| Elephant | $98 | $163 |
| The General | $102 | $170 |
| GAINSCO | $103 | $172 |
| Liberty Mutual | $131 | $218 |
| Foremost | $134 | $223 |
| Bristol West | $140 | $233 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
Middle-aged drivers typically pay less for car insurance because they have a lot of experience in navigating Tennessee roadways safely. Most insurers begin to lower rates for drivers once they reach age 25. But around age 70, rates start to increase slightly because research shows drivers may be more likely to get into an accident as they age.[5]
The average monthly cost of car insurance for seniors in Murfreesboro is $87, and you can see a collection of rates offered by area insurers here.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| State Farm | $33 | $17 |
| USAA | $41 | $20 |
| GEICO | $44 | $21 |
| Auto-Owners | $46 | $23 |
| Travelers | $46 | $22 |
| Erie | $48 | $24 |
| Mile Auto | $51 | $29 |
| Allstate | $63 | $31 |
| Farmers | $67 | $33 |
| Nationwide | $78 | $39 |
| Progressive | $82 | $41 |
| Chubb | $89 | $44 |
| Safeco | $115 | $61 |
| Elephant | $119 | $74 |
| State Auto | $121 | $59 |
| Direct Auto | $125 | $52 |
| National General | $139 | $66 |
| The General | $165 | $77 |
| Dairyland | $168 | $61 |
| Liberty Mutual | $194 | $102 |
| Foremost | $196 | $99 |
| GAINSCO | $224 | $80 |
| Bristol West | $258 | $104 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
As any parent knows, most insurers charge much higher rates for teen drivers, who are more likely to get into an accident due to a combination of inexperience and unsafe driving habits. The same is true in Murfreesboro, where the average monthly rate for teen drivers is $215.
Luckily, teen drivers have a lot of ways to save money. Many insurers charge lower premiums if teens stay on their parents’ policies instead of buying a solo policy. Minor teens can't legally buy their own policies without the written consent of a parent or guardian.
Insurers also commonly offer discounts for things like getting good grades or leaving your car at home with family while you’re away at college. Buying a car with higher safety ratings can also help.
Here’s the average cost of the cheapest options for car insurance for teens in Murfreesboro.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| State Farm | $81 | $40 |
| USAA | $94 | $46 |
| GEICO | $98 | $47 |
| Auto-Owners | $108 | $55 |
| Erie | $116 | $58 |
| Travelers | $116 | $57 |
| Mile Auto | $144 | $81 |
| Allstate | $154 | $76 |
| Farmers | $164 | $80 |
| Nationwide | $201 | $100 |
| Progressive | $220 | $109 |
| Chubb | $259 | $127 |
| Elephant | $260 | $162 |
| Safeco | $284 | $151 |
| State Auto | $318 | $156 |
| Direct Auto | $324 | $134 |
| The General | $354 | $165 |
| Dairyland | $373 | $136 |
| National General | $394 | $188 |
| Liberty Mutual | $434 | $229 |
| Foremost | $479 | $242 |
| GAINSCO | $505 | $181 |
| Bristol West | $596 | $240 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Shop for Car Insurance in Murfreesboro
Unlock savings and discounts when you compare rates with Insurify
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Murfreesboro car insurance quotes by credit tier
The state of Tennessee allows insurers to consider your credit history when setting your car insurance rates. If you have good or excellent credit, you can expect to pay a lot less for car insurance compared to a driver with a poor credit.
This chart shows how much Murfreesboro drivers with different credit scores pay, on average, according to Insurify data.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Murfreesboro?
Murfreesboro drivers generally pay more for auto insurance compared to the rest of the state but less than the national average. Murfreesboro residents pay $167 per month for a full-coverage insurance policy, compared to $160 for the statewide average and $172 for the nationwide average.
Murfreesboro is within a relatively urban area in the greater Nashville metro region. Most insurers charge urban residents higher rates due to associated increases in accidents, auto theft, and more.
More cities in Tennessee
Murfreesboro residents pay higher costs than people living in most other cities in Tennessee. Here, you can see how the rates residents pay in other cities match up against Murfreesboro.
City ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Chattanooga | $163 | $76 |
| Jackson | $163 | $70 |
| Knoxville | $151 | $73 |
| Memphis | $223 | $105 |
| Nashville | $186 | $85 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Murfreesboro car insurance FAQs
If you’re looking for more information on how to secure the lowest rates in Murfreesboro, the answers below can help.
How much is car insurance in Murfreesboro?
The average car insurance rate in Murfreesboro is $122. Meanwhile, the average rate for full coverage is $167, and the average rate for liability coverage is $78.
What company has the cheapest car insurance in Murfreesboro?
State Farm offers the lowest average rates in Murfreesboro, at $23 per month for liability-only coverage. Murfreesboro motorists can also find cheap rates with USAA and GEICO, which offer average monthly liability rates of $27 and $29, respectively. The best way to find the best rates for you is to compare quotes from several different insurers.
What are the best car insurance companies in Murfreesboro?
State Farm, USAA, and GEICO rank as three of the top insurers in Murfreesboro. Each has an Insurify Quality Score of 9.3, 9.4, and 9.0 respectively. In addition, these insurers have been recognized for their customer service, variety of discounts offered, and financial stability.
How much is car insurance in Tennessee per month?
The average rate for car insurance in Tennessee is $116. More specifically, liability coverage rates average $73 per month, while full-coverage insurance averages $160 per month.
What is the bare-minimum car insurance in Tennessee?
In order to drive legally in Tennessee, your coverage must meet at least the 25/50/25 standard. This means you must have bodily injury liability coverage amounting to $25,000 per person and up to $50,000 per accident, and property damage liability coverage amounting to $25,000.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Tennessee
Sources
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Tennessee Department of Revenue. "Why You Should Have Auto Insurance."
- U.S. Department of Transportation. "Traffic Safety Facts."
- Tennessee Department of Safety and Homeland Security. "DUI Crashes."
- IIHS. "Older Drivers."
)
Lindsay VanSomeren
Lindsay VanSomeren is a freelance personal finance writer living in Suquamish, WA. Her work has appeared with FICO, Credit Karma, The Balance, and more. She enjoys helping people learn how to manage their money better so they can live the life they want.
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
Featured in
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
)
)
)
)
)