Cheapest Auto Insurance in Murfreesboro, Tennessee (2024)

State Farm offers the cheapest car insurance in Murfreesboro, with minimum-coverage policies as low as $24 per month.

Lindsay VanSomeren
Lindsay 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

media logomedia logomedia logomedia logo
Chris Schafer
Edited byChris Schafer
Chris Schafer
Chris SchaferSenior Editor
  • 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

media logomedia logomedia logomedia logo

Updated May 23, 2024

Save up to $717 by comparing quotes from the top 100+ insurance companies

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers
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.

Cheapest recent rates near Murfreesboro, Tennessee

Drivers using Insurify have found quotes as cheap as $31/mo for liability only and $45/mo for full coverage in Murfreesboro and other Tennessee cities.

*Quotes generated for Insurify users in and around Murfreesboro, Tennessee within the last 10 days. Last updated on May 23, 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 May 23, 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 May 23, 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 May 23, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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, which likely contributes to its higher insurance costs due to things like higher crime and accident rates.[1]

The overall average monthly cost of car insurance in Murfreesboro is $139 per month, according to Insurify data. That’s slightly above the Tennessee state average of $129 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 review your credit score before offering you rates.

  • Murfreesboro residents pay more for car insurance than the statewide average but less than the nationwide average.

  • 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 factors, such as your driving history, age, ZIP code, marital status, and more. That’s why it’s always best to gather as many quotes as you can, so you can make sure to find the cheapest price for your individual situation.

As you begin your search, keep the following insurers in mind:

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest for
State Farm4.6$45$22Low rates
USAA4.7$53$26Military members
GEICO4.4$58$28Area 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 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for low rates: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$24/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.
$47/mo

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 2022 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

Read our State Farm review
Shirley - May 22, 2024
Verified

Excellent

I need a discount because I'm a good driver.

Dana - May 22, 2024
Verified

Not Good

I don't drive much, but they keep raising my rate.

George - May 21, 2024
Verified

Still Looking...

Find a company that's cheaper with better benefits.

Best insurer for military members: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$28/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.
$56/mo

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
  • Gap coverage not available

  • Not open to general public

  • No agency branch locations in Tennessee

Read our USAA review
Billy - May 22, 2024
Verified

USAA

The price became too expensive.

Stephanie - May 22, 2024
Verified

Customer Service Review

The customer service is always professional and helpful. I am thankful for the great people they employ.

Richard - May 21, 2024
Verified

No

Good company.

Best insurer for area alumni: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
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.
$30/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.
$61/mo

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)

  • 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

Read our GEICO review
Kimberly - May 22, 2024
Verified

Never Again

They are horrible at handling claims and make you feel bad.

Anita - May 22, 2024
Verified

Excellent

Good customer service. Megan Burrell is very helpful and professional.

Charles - May 22, 2024
Verified

Good Insurance

Awesome.

How to get the cheapest car insurance in Murfreesboro

Each insurer has its own 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 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 score. 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 $24 per month for liability coverage

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

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 folks 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 $85, and you can see how rates vary from top insurers below.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm24
USAA28
GEICO30
Travelers31
Auto-Owners32
Erie34
Mile Auto42
Allstate43
Farmers46
Nationwide57
Safeco59
Progressive62
Chubb66
Midvale Home & Auto73
Dairyland77
National General77
State Auto88
Elephant91
Liberty Mutual94
Direct Auto95
GAINSCO110
The General127
Bristol West153
Foremost167
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 may require this type of policy if you’re financing 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 $192 per month. Here’s a collection of quotes from top insurers.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm47
USAA56
GEICO61
Auto-Owners64
Travelers64
Erie68
Mile Auto73
Allstate86
Farmers93
Safeco108
Nationwide114
Progressive125
Chubb134
Midvale Home & Auto136
Elephant144
State Auto172
Liberty Mutual175
National General176
Direct Auto220
The General220
Dairyland222
GAINSCO294
Foremost316
Bristol West375
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.

Estimate your Murfreesboro car insurance costs

Select discounts that apply to you
Save 26%
Save 4%
Save 20%
Save 38%
Age
Credit Score
Are you insured
Your estimated deal

*Estimate based on a market average of rates provided to other users like you.

Select discounts that apply to you

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:

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision coverage pays to fix or replace your car if you’re involved in an accident, even if someone else hit you or you hit a stationary object like a tree.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Compehensive coverage

    If you hit an animal, or something happens while you’re not behind the wheel — like falling trees, vehicle theft, or vandalism — comprehensive coverage can pay for repairs.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/e30eeeebc5/personal-injury-protection.svg

    Personal injury protection (PIP) coverage

    Personal injury protection coverage pays for medical bills, lost income, and a few other things if you or your passengers are injured in an accident. States with no-fault insurance laws generally require drivers to have PIP.

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
Shopper Approved
ProgressiveLiberty MutualTravelers

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. 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. According to the Tennessee Highway Patrol, 15% of fatal crashes in Tennessee in 2020 involved drivers who were speeding.[3] 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 $271 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.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
State Farm2431
USAA2836
GEICO3039
Travelers3140
Auto-Owners3241
Erie3445
Mile Auto4258
Allstate4355
Farmers4659
Nationwide5774
Safeco5977
Progressive6280
Chubb6686
Midvale Home & Auto7397
Dairyland77100
National General77109
State Auto88123
Elephant91129
Liberty Mutual94134
Direct Auto95124
GAINSCO110156
The General127165
Bristol West153195
Foremost167237
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. The average rate for full-coverage insurance with an accident on your record is $284.

The table below shows the cheapest insurance companies 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
State Farm2432
USAA2838
GEICO3041
Travelers3142
Auto-Owners3243
Erie3447
Mile Auto4262
Allstate4358
Farmers4662
Nationwide5778
Safeco5978
Progressive6286
Chubb6690
Midvale Home & Auto73105
Dairyland77104
National General77104
State Auto88132
Elephant91122
Liberty Mutual94139
Direct Auto95132
GAINSCO110145
The General127176
Bristol West153204
Foremost167247
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 even deny you coverage altogether. About 1 out of every 4 drivers with a DUI conviction will do it again, according to the National Highway Traffic Safety Administration.[4] In Tennessee, about 1 out of every 3 fatal crashes involves a drunk driver.[5]

The average cost of full-coverage car insurance in Murfreesboro for drivers with a DUI conviction is $323. This table shows the rates you can expect to pay from insurers in the area.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
State Farm2440
USAA2847
GEICO3050
Travelers3152
Auto-Owners3254
Erie3457
Mile Auto4264
Allstate4372
Farmers4677
Nationwide5796
Safeco5999
Progressive62104
Chubb66111
Midvale Home & Auto73123
Dairyland77129
National General77129
State Auto88148
Elephant91153
Liberty Mutual94158
Direct Auto95160
GAINSCO110185
The General127213
Bristol West153257
Foremost167281
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 charge the lowest rates for adults once they reach 35 years of age, decreasing steadily over time. However, by about age 75, rates start to increase again because research shows drivers may be more likely to get into an accident as they age.[6]

The average monthly cost of car insurance for seniors in Murfreesboro is $97, and you can see a collection of rates offered by area insurers here.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
State Farm3317
USAA4120
GEICO4522
Auto-Owners4623
Erie4623
Travelers4622
Mile Auto5129
Allstate6432
Farmers6633
Nationwide7839
Safeco8044
Progressive8241
Chubb9044
Midvale Home & Auto9551
Elephant10466
State Auto12262
Liberty Mutual12768
National General13057
Direct Auto15567
Dairyland16457
The General16696
GAINSCO22183
Foremost227120
Bristol West277113
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 immaturity. The same is true in Murfreesboro, where the average monthly rate for teen drivers is $228.

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. 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
State Farm7639
USAA8844
GEICO9145
Auto-Owners10552
Erie10954
Travelers11053
Mile Auto13578
Allstate14372
Farmers15677
Nationwide18593
Progressive216107
Safeco217119
Elephant226143
Midvale Home & Auto226121
Chubb236116
State Auto290149
Liberty Mutual311167
National General314137
The General338195
Dairyland354123
Direct Auto383166
GAINSCO502188
Foremost534282
Bristol West608248
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
Shopper Approved
ProgressiveLiberty MutualTravelers

Murfreesboro car insurance quotes by credit tier

The state of Tennessee allows insurers to consider your credit score when setting your car insurance rates. If you have a good or excellent credit score, you can expect to pay a lot less for car insurance compared to a driver with a poor credit score.

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 $192 per month for a full-coverage insurance policy, compared to $181 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.

CityFull CoverageLiability Only
Chattanooga$170$83
Jackson$179$74
Knoxville$171$76
Memphis$244$115
Nashville$206$90
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 $139. Meanwhile, the average rate for full coverage is $192, and the average rate for liability coverage is $85.

  • What company has the cheapest car insurance in Murfreesboro?

    State Farm offers the lowest average rates in Murfreesboro, at $24 per month for liability-only coverage. Murfreesboro motorists can also find cheap rates with USAA and GEICO, which offer average monthly liability rates of $28 and $30, 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 4.6, 4.7, and 4.4 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 $129. More specifically, liability coverage rates average $78 per month, while full-coverage insurance averages $181 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  2. Tennessee Department of Revenue. "Why You Should Have Auto Insurance."
  3. Tennessee Highway Patrol. "2020 Crash Facts."
  4. U.S. Department of Transportation. "Traffic Safety Facts."
  5. Tennessee Department of Safety and Homeland Security. "DUI Crashes."
  6. IIHS. "Older Drivers."
Lindsay VanSomeren
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.

Chris Schafer
Edited byChris SchaferSenior Editor
Chris Schafer
Chris SchaferSenior Editor
  • 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

media logomedia logomedia logomedia logo

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Latest Articles

View all