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.
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| Insurance Provider in Murfreesboro | |
|---|---|
Progressive | $68/mo |
 State Farm | $89/mo |
 Nationwide | $118/mo |
 Liberty Mutual | $126/mo |
 American Family | $142/mo |
| Best Companies | ||
|---|---|---|
American Family | $187/mo | |
Nationwide | $272/mo | |
 Safeco | $214/mo | |
Liberty Mutual | $230/mo | |
 Travelers | $161/mo |
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| Memphis | $159/mo |
| Knoxville | $112/mo |
| Chattanooga | $134/mo |
| Clarksville | $124/mo |
| Murfreesboro | $125/mo |
| Tennessee | $131/mo |
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:
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.
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.
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.
| Driver's Age | |
|---|---|
| teens | $273 |
| 20s | $212 |
| 30s | $160 |
| 40s | $241 |
| 50s | $200 |
| 60s | $135 |
| 70s | $142 |
| 80s | $176 |
| Driving History | |
|---|---|
| No Violation | $195 |
| Speeding Ticket | $241 |
| At-Fault Accident | $234 |
| Failure to Stop for Red Light / Stop Sign | $217 |
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.
See More: High-risk Car Insurance Tennessee
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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.
| Credit Tie | |
|---|---|
| Excellent | $197 |
| Good | $186 |
| Average | $217 |
| Poor | $198 |
See More: Bad Credit Car Insurance Tennessee
The Murfreesboro Driver Services Center is a full-service DMV that can handle all your registration, titling, and license needs.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
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