Cheap Auto Insurance Quotes in Murfreesboro, TN (2023)

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.

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• Cheap Car Insurance Tennessee

• Compare Car Insurance

Cheapest Car Insurance in Murfreesboro, TN

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

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 company reviews. The following are the top rated companies that offer car insurance in Murfreesboro. For the complete list, see Insurify's best car insurance companies .

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Average Car Insurance Cost

Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in Tennessee

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.

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.

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• High-risk Car Insurance Tennessee

• DUI Car Insurance Tennessee

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.

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Find local Murfreesboro agents

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.

For more detailed Tennessee city level guides, check out these below.

• Average Cost of Car Insurance Rates in Tennessee

• DUI Car Insurance Rates in Tennessee

• High-Risk Driver Car Insurance Rates in Tennessee

• Tennessee Car Insurance with Bad Credit Rates

• Short-Term Car Insurance in Tennessee

• SR-22 Insurance in Tennessee

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.