Cheapest Auto Insurance in Murfreesboro, Tennessee (2023)

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 $127 per month, according to Insurify data. That’s slightly above the Tennessee state average of $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. 

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:

Best insurer for low rates: State Farm

Best insurer for military members: USAA

Best insurer for area alumni: GEICO

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.

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Cheapest liability-only car insurance in Murfreesboro

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 $83, and you can see how rates vary from top insurers below.

Cheapest full-coverage car insurance in Murfreesboro

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 $171 per month.

Here’s a collection of quotes from top insurers.

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:

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’re involved in an accident, even if someone else hit you or you hit a stationary object like a tree.

• 

  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.

• 

  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.

• 

  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.

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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

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 $236 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.

Cheapest car insurance for drivers with an at-fault accident

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 $247.

The table below shows the cheapest insurance companies for Murfreesboro drivers with an at-fault accident on their driving record, according to Insurify data.

Cheapest car insurance for drivers with a DUI

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 $281. This table shows the rates you can expect to pay from insurers in the area.

Cheapest car insurance for seniors

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 $86, and you can see a collection of rates offered by area insurers here.

Cheapest car insurance for teens

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 $207.

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.

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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.

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 $171 per month for a full-coverage insurance policy, compared to $156 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.

Murfreesboro car insurance FAQs