120+ more*Quotes generated for Insurify users in and around Murfreesboro, Tennessee within the last 10 days. Last updated on September 28, 2026. 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 September 28, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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4+ years writing insurance and personal finance content
MBA from Roosevelt University
Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Updated
The average cost of car insurance in Murfreesboro, Tennessee, is $66 per month for liability coverage and $141 per month for full coverage.
Premiums in Murfreesboro are lower than in the Nashville metro area as a whole, but they’re more expensive than in nearby smaller Tennessee cities like Smyrna and Franklin. This is likely due to Murfreesboro’s greater population density and longer commute times.
Murfreesboro drivers must meet the state of Tennessee’s minimum liability requirements of $25,000 per person and $50,000 per accident for bodily injury coverage and $25,000 per accident for property damage liability.[1]
Liability insurance in Murfreesboro averages $66 monthly, which is a bit higher than the Tennessee state average of $60 per month. Sun Coast and State Farm offer the cheapest minimum-coverage insurance for Murfreesboro drivers, on average.
Here are the cheapest premiums for liability-only auto policies in Murfreesboro.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $39 |
| Sun Coast | $39 |
| Mile Auto | $40 |
| Certainly | $43 |
| Direct Auto | $43 |
| Progressive | $43 |
| Freedom National | $44 |
| USAA | $47 |
| AssuranceAmerica | $50 |
| GEICO | $51 |
| Auto-Owners | $53 |
| The General | $53 |
| Travelers | $53 |
| Trexis | $55 |
| Erie | $56 |
| Safeco | $62 |
| GAINSCO | $63 |
| National General | $64 |
| Trexis One | $64 |
| Dairyland | $67 |
| Mendota | $67 |
| First Acceptance | $68 |
| Allstate | $72 |
| Insurify Car | $76 |
| Liberty Mutual | $77 |
| Farmers | $78 |
| Bristol West | $79 |
| Root | $81 |
| Elephant | $82 |
| Hugo | $100 |
| Chubb | $112 |
| State Auto | $148 |
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Tennessee doesn’t require full-coverage car insurance, which usually includes collision coverage, comprehensive coverage, and higher liability coverage limits. On average, Murfreesboro drivers pay $141 per month for full coverage, but Progressive offers the cheapest rates.
Buying a full-coverage policy may make sense for many Murfreesboro drivers, as it offers protection against vehicle damage from severe weather events common in the area, such as flash flooding and tornadoes.[2]
The table below shows the cheapest companies for full-coverage auto insurance in Murfreesboro.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| Progressive | $78 |
| Mile Auto | $79 |
| Sun Coast | $80 |
| State Farm | $83 |
| USAA | $100 |
| Direct Auto | $101 |
| GEICO | $109 |
| National General | $109 |
| Auto-Owners | $115 |
| Travelers | $115 |
| Safeco | $116 |
| AssuranceAmerica | $123 |
| Erie | $123 |
| Certainly | $128 |
| Trexis | $133 |
| Root | $141 |
| Elephant | $145 |
| Allstate | $154 |
| Liberty Mutual | $157 |
| The General | $158 |
| Trexis One | $158 |
| GAINSCO | $159 |
| Mendota | $160 |
| Farmers | $167 |
| Freedom National | $168 |
| Bristol West | $174 |
| First Acceptance | $185 |
| Dairyland | $205 |
| Chubb | $239 |
| State Auto | $320 |
Tennessee car insurance rates vary by city. In Murfreesboro, residents pay cheaper premiums than drivers in Nashville and Memphis. This is likely due to less traffic congestion and lower accident risk, according to Tennessee Department of Transportation data.
But compared to drivers in places like Franklin, where the population density isn’t as high and commute times are shorter, Murfreesboro drivers may pay more for car insurance.
The table below highlights how overall car insurance costs in Murfreesboro compare with average rates in other Tennessee cities.
City | Average Monthly Quote |
|---|---|
| Johnson City | $76 |
| Bristol | $79 |
| Maryville | $80 |
| Kingsport | $81 |
| Oak Ridge | $85 |
| Cleveland | $91 |
| Franklin | $94 |
| Knoxville | $94 |
| Chattanooga | $97 |
| Hendersonville | $97 |
| Jackson | $98 |
| Smyrna | $101 |
| Clarksville | $104 |
| Nashville | $116 |
| Memphis | $144 |
*Quotes generated for Insurify users in and around Murfreesboro, Tennessee within the last 10 days. Last updated on September 28, 2026. 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 September 28, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Your driving record affects how much you pay for an auto policy in Murfreesboro. Here’s a look at the cheapest companies for drivers in Murfreesboro with various driving incidents:
Cheapest car insurance for Murfreesboro drivers with a clean driving record: Sun Coast
Cheapest car insurance for drivers with a speeding ticket in Murfreesboro: Sun Coast
Cheapest car insurance for Murfreesboro drivers with an at-fault accident: Sun Coast
Cheapest car insurance for drivers with a DUI in Murfreesboro: Sun Coast
People with a driving under the influence (DUI) conviction in Murfreesboro face serious penalties, including 48 hours of jail time, fines of up to $1,500, and license revocation.
Murfreesboro drivers with a DUI pay an average monthly rate of $99 for liability insurance and $212 for full coverage. Premiums typically also increase if you have an at-fault accident or speeding ticket on your record.
The table below shows the average car insurance rates in Murfreesboro by driving record.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $104 |
| Speeding ticket | $138 |
| At-fault accident | $148 |
| DUI | $157 |
Whether you live in Murfreesboro or are just visiting, here are some tips to keep in mind as you drive around the city:
Traffic congestion: Due to its growth, Murfreesboro faces heavy traffic congestion, which can increase accident risk. The city has more than 30 projects aimed at improving traffic flow and safety.[3]
Severe weather: Murfreesboro is in Middle Tennessee, where tornadoes, hail, and flash flooding are common. A full-coverage policy can help protect your finances against weather-related damages.
DUI enforcement: Driving under the influence is dangerous and can lead to serious legal and financial consequences. To help reduce the risk of DUIs, the Murfreesboro Police Department has a dedicated Murfreesboro Police Alcohol Countermeasures Team (MPACT).[4]
More cars on the road increase the risk of accidents and can lead to higher car insurance rates. Unfortunately, traffic congestion is an issue in Murfreesboro, and the average one-way commute time for drivers is about 27 minutes, which is slightly longer than commute times in Nashville and Memphis, according to U.S. census data.
To help alleviate heavy traffic patterns, the City Council has partnered with Rutherford County, the Tennessee Department of Transportation (TDOT), and the Federal Highway Administration (FHWA) to build new roads and improve transportation in the city.
The city has also installed traffic cameras in high-congestion areas and developed a 2040 Major Transportation Plan to support future transportation needs as the city grows.
Liability policies average $66/mo.
Teens in Murfreesboro must complete a Graduated Driver License (GDL) program, which includes four steps: learner permit, intermediate restricted license, intermediate unrestricted license, and regular license. Due to the higher accident risk, teen drivers pay more for auto coverage.
Car insurance for Murfreesboro teens averages $131 per month for liability coverage and $279 for full coverage.
Here are the lowest liability rates for teen drivers in Murfreesboro.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Sun Coast | $77 |
| State Farm | $78 |
| Mile Auto | $85 |
| Certainly | $85 |
| Progressive | $85 |
| Direct Auto | $87 |
| USAA | $89 |
| GEICO | $96 |
| The General | $99 |
| Erie | $106 |
| AssuranceAmerica | $107 |
| Trexis | $109 |
| Auto-Owners | $110 |
| Travelers | $113 |
| GAINSCO | $115 |
| Dairyland | $120 |
| Trexis One | $127 |
| Root | $128 |
| National General | $131 |
| Safeco | $131 |
| Mendota | $133 |
| First Acceptance | $135 |
| Liberty Mutual | $140 |
| Allstate | $143 |
| Bristol West | $145 |
| Insurify Car | $151 |
| Elephant | $156 |
| Farmers | $161 |
| Hugo | $198 |
| Chubb | $236 |
| State Auto | $361 |
Seniors 65 and older make up 10.6% of Murfreesboro’s population, according to U.S. census data. Mature drivers in the city face average monthly car insurance rates of $57 for minimum coverage and $121 for full coverage.
Sun Coast and State Farm offer some of the lowest premiums for Murfreesboro seniors.
Below, you’ll find the cheapest liability insurance for Murfreesboro senior drivers.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $31 |
| Mile Auto | $31 |
| Sun Coast | $34 |
| Direct Auto | $35 |
| Certainly | $37 |
| Progressive | $37 |
| USAA | $38 |
| AssuranceAmerica | $39 |
| GEICO | $40 |
| Auto-Owners | $42 |
| Travelers | $42 |
| Erie | $43 |
| The General | $45 |
| Trexis | $47 |
| National General | $50 |
| Safeco | $54 |
| GAINSCO | $54 |
| Trexis One | $55 |
| Dairyland | $57 |
| Mendota | $58 |
| First Acceptance | $58 |
| Farmers | $62 |
| Allstate | $62 |
| Liberty Mutual | $64 |
| Insurify Car | $65 |
| Bristol West | $66 |
| Elephant | $66 |
| Root | $74 |
| Chubb | $84 |
| Hugo | $86 |
| State Auto | $111 |
Here are some common questions about auto insurance policies for Murfreesboro drivers.
Murfreesboro residents pay an average cost of $66 per month for liability coverage and $141 for full-coverage insurance, according to Insurify data. Shop around and compare free quotes from at least three insurers to find the best coverage for your situation.
On average, Sun Coast offers the cheapest car insurance in Murfreesboro, at $39 per month for liability coverage. But rates depend on several factors, such as your age, driving history, and ZIP code.
The best car insurance companies in Murfreesboro depend on your unique driving profile and coverage needs. Mile Auto, for example, makes sense if you prefer low rates and don’t drive often. Sun Coast might be a better choice if you want an affordable policy and access to local car insurance agents.
Tennessee requires drivers to carry the state’s minimum liability coverage of $25,000 per person and $50,000 per accident in bodily injury liability and $25,000 per accident in property damage liability.
If a court convicts you of a DUI in Tennessee for the first time, you may face 48 hours of jail time, fines of up to $1,500, and a license revocation period of one year. Penalties increase for subsequent offenses.
Insurify data scientists analyzed more than 250 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 500+ 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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4+ years writing insurance and personal finance content
MBA from Roosevelt University
Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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.
