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: Sunday, December 1 at 11:00 AM PST.
| | |
|---|
| State Farm | $23 | $30 |
|---|
| USAA | $27 | $36 |
|---|
| 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 | $75 |
|---|
| 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 | $186 |
|---|
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: Sunday, December 1 at 11:00 AM PST.
| | |
|---|
| 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 | $102 |
|---|
| Safeco | $77 | $106 |
|---|
| Dairyland | $83 | $113 |
|---|
| State Auto | $86 | $128 |
|---|
| National General | $94 | $129 |
|---|
| Elephant | $98 | $133 |
|---|
| The General | $102 | $144 |
|---|
| 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 $282. 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: Sunday, December 1 at 11:00 AM PST.
| | |
|---|
| 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 | $116 |
|---|
| 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.
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