Cheap Auto Insurance Quotes in Murfreesboro, TN (2021)

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Although Murfreesboro is fairly walkable, there aren’t many options for public transportation. Most people in Murfreesboro rely on their cars to get to work, driving an average of 25 minutes to get there. Auto insurance is essential for Murfreesboro residents to stay safe and legal on the road.

Car Insurance in Murfreesboro, TN

The average cost of Tennessee car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Murfreesboro, TN to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
$68
$89
$118
$126
$142
ProgressiveState FarmNationwideLiberty MutualAmerican Family
Monthly $

Cheapest Car Insurance in Murfreesboro, TN

Here are the cheapest carriers in Murfreesboro for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance in Murfreesboro, TN

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Murfreesboro. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$128
$159
$112
$125
$120
$125
TennesseeMemphisKnoxvilleChattanoogaClarksvilleMurfreesboro
Monthly $

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Murfreesboro, TN Driving Facts

tennessee

Minimum Car Insurance Requirements in TN

All motor vehicles operated or parked on Tennessee roadways are required to be insured. The minimum liability car insurance requirements for private passenger vehicles in Tennessee are as follows:

  • $30,000 per person/$60,000 per accident for Bodily Injury (BI)

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Tennessee state law are $30,000 for the death or injury of a single victim as a result of a car accident and $60,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 30/60, referring to the dollar limitations of each minimum. If you’re in an accident, liability coverage will cover the cost of a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Tennessee law.

 

  • $15,000 per accident for Property Damage (PD)

The state minimum amount of property damage liability coverge required in the state of Tennessee is $15,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

Murfreesboro Car Insurance Rates by Driver Age

Teenage Tennesseans should be able to scrape enough dollars together to afford car insurance and have some spending money on the side. In Murfreesboro, prices tend to drop as drivers gain more experience. That’s why there’s a $60 drop for young adults in their 20s. People in their 40s and 50s usually drive vehicles that accommodate a family and pay more than those closer to retirement. Folks in their 60s pay the least at $134 per month, which is less than half of what the youngest drivers pay.

Driving History
No Violation$195
Speeding Ticket$241
At-Fault Accident$234
Failure to Stop for Red Light / Stop Sign$217

Murfreesboro Car Insurance Rates by Driving and Accident History

It pays to drive safely in the Volunteer State. Insurance companies applaud the best drivers by giving them “good driver” and “accident-free” discounts. Missing the alarm and zooming off to school or work could be a costly mistake. A speeding ticket will cost a driver $240 per month, a more than $45 increase. At-fault accidents also have a pretty hefty cost, but there is a bright side for Tennessee motorists. After three years of careful driving, tickets and accidents stop affecting rates altogether.

Murfreesboro Car Insurance Rates by Credit Tier

Like all but a handful of states, Tennessee allows its insurance companies to use credit as a factor when deciding rates. Although many drives think credit is irrelevant, the insurance companies beg to differ. A person might ask, why do those with average credit pay more than people with poor credit? Sometimes, people with better credit choose to finance costlier cars and require higher coverage levels to protect their assets. Even so, moving from average credit to good credit will save a driver over $360 per year.

Murfreesboro, TN DMV Information

The Murfreesboro Driver Services Center is a full-service DMV that can handle all your registration, titling, and license needs.

Public Transportation in Murfreesboro, TN

Only about 0.3 percent of residents use public transportation. About 84 percent drive alone to work, and an additional 8 percent carpool. On average, each household has two cars. It’s important for both cars to be covered by an insurance policy. Fortunately, car insurance in Murfreesboro is affordable relative to the national average cost. There are also several alternative service locations in the surrounding area. Public transit options are limited, but the Rover bus system operates Monday through Saturday during the day. Uber and Lyft operate in the city, and taxi and airport shuttle services are available as well.

Conclusion: How to get the best and cheapest car insurance in Murfreesboro, TN

To avoid penalties and protect your finances, it’s important to get an auto insurance policy if you live in Murfreesboro. Luckily, there are tools you can use to find an affordable rate, even if you have bad credit or accidents on your record.

Don’t be one of the estimated 20 percent of Tennessee drivers who forgo an insurance policy. The penalties are severe, and an accident could destroy your finances. If you’re worried about the cost, use Insurify to compare customized quotes across car insurance providers. Our artificial intelligence technology makes it easy to compare policies apples-to-apples and find the best rate.

Find local Murfreesboro agents

AmeriAgency Inc. 
1850 Memorial Blvd, Murfreesboro, TN 37129
8A Insurance Group 
2615 Medical Center Parkway Ste. 1560, Murfreesboro, TN 37129
Compass Insurance Group
120 E Main St Suite 350, Murfreesboro, TN 37130
Synergy Insurance 
2107 Lothric Way, Ste. 1, Murfreesboro, TN 37129
Heritage South Financial, LLC 
2705 Old Fort Parkway, Suite P, Murfreesboro, TN 37128
FSB dba Claiborne & Taylor 
319 W McKnight Dr, Murfreesboro, TN 37129
England Clark & Wade 
1710 East Main Street, Murfreesboro, TN 37130
Miller Loughry Beach Insurance Services, Inc. 
214 West College Street, Murfreesboro, TN 37130
Universal International, Inc. 
2510 Blanton’s Pointe, Murfreesboro, TN 37128
My Team Insurance Services, LLC 
1507 Memorial Blvd, Murfreesboro, TN 37129-2103

Insurify Insights: How Murfreesboro Drivers Measure Up

nissan
Nissan Altima
Most Popular Car in
Murfreesboro, TN
suspended licenses
#38
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Murfreesboro drivers measure up to their fellow Tennessee motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Murfreesboro

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Murfreesboro drivers rank 10 in the number of car accidents per driver across all cities in Tennessee.

  • Rank within state: #10
  • Percent of drivers in Murfreesboro with an accident: 13.24%
  • Drivers in Murfreesboro, TN with an accident in their driving history paid on average 33.77% more than drivers with a clean record

Speeding Murfreesboro

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Tennessee, Murfreesboro drivers rank 15 in the number of speeding infractions per driver.

  • Rank within state: #15
  • Percent of drivers in Murfreesboro with a speeding ticket: 11.99%
  • Drivers in Murfreesboro, TN with a speeding ticket in their driving history paid on average 27.15% more than drivers with a clean record

DUI/DWIs Murfreesboro

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Murfreesboro drivers rank 26 in the number of DUI’s per driver across all cities in Tennessee.

  • Rank within state: #26
  • Percent of drivers in Murfreesboro with a DUI: 1.61%
  • Drivers in Murfreesboro, TN with a DUI in their driving history paid on average -95.36% more than drivers with a clean record

Most Popular Vehicle Murfreesboro

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Murfreesboro is the Nissan Altima.

Rude Murfreesboro

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Tennessee, Murfreesboro drivers rank 2 in rude driving infractions.

  • Rank within state: #2
  • Percent of drivers in Murfreesboro with a reckless driving violation: 2.62%
  • Drivers in Murfreesboro, TN with a reckless driving violation in their driving history paid on average 34.44% more than drivers with a clean record.

Safest Drivers Murfreesboro

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Murfreesboro drivers rank 13 in clean driving records across all cities in Tennessee.

  • Rank within state: #13
  • Percent of drivers in Murfreesboro with clean record: 75.85%

Failure to Yield the Right of Way Murfreesboro

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Murfreesboro drivers rank 5 in failure to yield violations per driver across all cities in Tennessee.

  • Rank within state: #5
  • Percent of drivers in Murfreesboro with a failure to yield violation: 0.48%
  • Drivers in Murfreesboro, TN with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers Murfreesboro

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Tennessee, Murfreesboro drivers rank 5 in the number of reckless driving offenses per driver.

  • Rank within state: #5
  • Percent of drivers in Murfreesboro with a reckless driving offense: 0.18%

Hybrid/Electric Vehicle Ownership Murfreesboro

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Murfreesboro drivers rank 12 in hybrid and electric vehicle ownership across all cities in Tennessee.

  • Rank within state: #12
  • Percent of drivers in Murfreesboro with a hybrid/electric vehicle: 0.54%

FAQs - Murfreesboro, TN Car Insurance

How much does car insurance in Murfreesboro cost?

The average cost of car insurance in Murfreesboro is $125 per month, which is comparable to the average premium for Tennessee and much less than the national average of $234 per month. You may be able to get an even lower premium if you use a quote-comparison tool like Insurify to find the best deal.

What are the minimum car insurance requirements in Murfreesboro?

At the very least, you’ll need liability coverage for up to $25,000 per person for injury or death, $50,000 total per accident, and $15,000 in property damage coverage per accident. If you finance your vehicle with a loan, you’ll likely need collision and comprehensive coverage as well. Even if you own your car outright, you should consider getting full coverage so you’re not on the hook for damages to your vehicle if you cause an accident.

What is the penalty for driving uninsured in Murfreesboro?

If you’re caught driving without insurance in Tennessee, you’ll be charged a $300 fine and have your license suspended until you can provide proof of insurance. You’ll also need to retake the driver’s license exam and pay fees to get your license back. Your insurer will need to file an SR-22 for three years to prove you have insurance, and you might pay a higher premium because you’ll be viewed as a risky driver.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.