Cheapest Auto Insurance in Murfreesboro, Tennessee (2025)

Mile Auto offers the cheapest car insurance in Murfreesboro, with minimum-coverage policies as low as $44 per month.

Secure. Free. Easy-to-use.
Excellent
State farm LogoProgressive LogoAllstate LogoLiberty Mutual LogoFarmers LogoThe General Logo120+ more

Cheapest recent rates near Murfreesboro, Tennessee

Drivers in and around Murfreesboro, Tennessee have found policies from Trexis, Direct Auto, Liberty Mutual, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Murfreesboro, Tennessee within the last 10 days. Last updated on July 3, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 July 3, 2025. 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 July 3, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 July 3, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
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 SchaferDeputy Managing Editor, News and Marketing Content
  • 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
Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderSenior Director, Media Relations, Triple-I
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Updated

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.
Advertiser Disclosure

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.

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, and factors like higher rates of vehicle crime and accidents likely contribute to the city's higher insurance costs.[1]

The overall average monthly cost of car insurance in Murfreesboro is $112, according to Insurify data. By comparison, the Tennessee state average is $108 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 consider your credit history when setting car insurance rates.

  • Fatal car crashes in Murfreesboro increased nearly 43% in 2023, according to data from the Tennessee Department of Safety & Homeland Security.

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

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

Insurance Company
sort ascsort desc
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
Best for
sort ascsort desc
State Farm9.3$76$46Low rates
USAA9.1$90$54Military members
GEICO9.2$106$73Area alumni
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 more than 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. The team weighted criteria 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 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses 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 55,000 customer reviews across 155 car insurance companies. We also consider 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 U.S., 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 scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for low rates: State Farm

User Reviews
4.1
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
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.
$46/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.
$78/mo
4.1
Best choiceBased on 11,264 verified guest reviews and ratings
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,043)

Duane

July 1, 2025

Verified Review

40+ years says it all!

State Farm has always met my expectations for the 40+ years of service.

Krystal

July 1, 2025

Verified Review

Good

State Farm was my best insurance company, but I couldn't pay my bill because it was too high.

Steven

June 30, 2025

Verified Review

Happy but Broke Now

State Farm is a great company that comes at a premium.
See all State Farm reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

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 2024 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

Best insurer for military members: USAA

User Reviews
4.9
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.1 /10
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.
$54/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.
$92/mo
4.9
Best choiceBased on 2,100 verified guest reviews and ratings
How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,192)

John

June 17, 2025

Verified Review

USAA Critique

High exposure in the South and East leads to higher premiums. They do have a SafePilot program, which I use. They also have a cashback program, which I use.

Marlon

June 15, 2025

Verified Review

Don't let them hook you

Don't renew with USAA the first year. Go to another company for the first 6 months after your USAA policy expires. Then, when that one expires, check back with USAA for the following 6-month period. USAA will give a better rate when you come back than they would have if you had stayed with them all along.

Timothy

June 10, 2025

Verified Review

The Old Bait and Switch

There's no flexibility, and if you miss your first payment by a day, they will cancel your policy. Then, they make you get a new quote and double the price for half the coverage. It's unbelievable that they treat veterans and their families like that.
See all USAA reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

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
  • Higher-than-expected number of complaints in the National Association of Insurance Commissioner's Consumer Complaint Index

  • Coverage limited to members of the military community

  • Limited number of local offices in Tennessee

Best insurer for area alumni: GEICO

User Reviews
4.0
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.2 /10
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.
$76/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.
$110/mo
4.0
Best choiceBased on 11,989 verified guest reviews and ratings
How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,432)

Rosemary

July 2, 2025

Verified Review

Geico is the worst!

Geico is the worst insurance company ever. They increased my rate over 100 percent with no tickets or claims.

Deejane

June 30, 2025

Verified Review

Geico Forever

All good for over 50 years.

Joshua

June 30, 2025

Verified Review

GEICO has the best rates

Thank you for your service.
See all GEICO reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

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), the highest level possible

  • 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

How to get the cheapest car insurance in Murfreesboro

Each insurer has its own underwriting 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 collision or comprehensive 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 credit standing. 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 $44 per month for liability coverage

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

Cheapest liability-only car insurance in Murfreesboro: Mile Auto

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 drivers 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 $79, and you can see how rates vary from top insurers below.

The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Mile Auto$44
State Farm$46
USAA$54
Progressive$58
Direct Auto$61
Travelers$62
Auto-Owners$63
Erie$67
GEICO$76
Safeco$83
Allstate$84
Dairyland$86
The General$91
Farmers$91
Root$96
GAINSCO$102
Elephant$105
National General$109
Nationwide$112
Bristol West$116
Chubb$131
Liberty Mutual$137
State Auto$174
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: Mile Auto

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 or leasing company may require this type of policy if you’re financing or leasing 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 $146 per month. Here’s a collection of quotes from top insurers.

The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Mile Auto$77
State Farm$78
USAA$92
Travelers$107
Auto-Owners$107
GEICO$110
Erie$114
Progressive$120
Direct Auto$142
Allstate$143
Farmers$155
Safeco$157
Elephant$167
Root$187
National General$189
Nationwide$190
The General$190
Chubb$222
Liberty Mutual$234
Dairyland$246
GAINSCO$251
Bristol West$274
State Auto$296
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Murfreesboro, Tennessee

Drivers in and around Murfreesboro, Tennessee have found policies from Liberty Mutual, Liberty Mutual with RightTrack®, Dairyland, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Murfreesboro, Tennessee within the last 10 days. Last updated on July 3, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 July 3, 2025. 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 July 3, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 July 3, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

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:

Coverage
sort ascsort desc
Minimum Requirements
sort ascsort desc
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 cause an accident with another vehicle, or you hit a stationary object like a tree or light pole.

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

    Comprehensive coverage

    If you hit an animal, or something happens while you’re not behind the wheel — like falling trees, floods, fire, 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. It also covers hit-and-run accidents. Tennessee requires insurance companies to offer UM/UIM coverage to all drivers, but you can decline it in writing if you don't want it.

  • illustration card https://a.storyblok.com/f/162273/150x150/d7333ddf2e/car-and-driving-96x96-orange_046-car-accident.svg

    Accident forgiveness

    An optional add-on, accident forgiveness prevents your car insurance rates from rising after your first at-fault accident. You'll generally need a clean driving record for at least three years to be eligible to buy this coverage.

Find Car Insurance in Murfreesboro, TN

Check quotes from 120+ top insurance companies

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

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 for several years. 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: Mile Auto

Everyone speeds at some point in time, but that doesn’t mean it isn’t dangerous. In 2023, speed was a factor in 17% of all Murfreesboro crashes that resulted in fatalities or serious injuries, according to state data. 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 $185 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 of liability rates for Murfreesboro drivers with speeding tickets.

The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Speeding Ticket
sort ascsort desc
Mile Auto$44$53
State Farm$46$57
USAA$54$67
Progressive$58$74
Direct Auto$61$76
Travelers$62$78
Auto-Owners$63$79
Erie$67$87
GEICO$76$97
Safeco$83$106
Allstate$84$104
Dairyland$86$107
The General$91$119
Farmers$91$113
Root$96$127
GAINSCO$102$121
Elephant$105$126
National General$109$135
Nationwide$112$140
Bristol West$116$146
Chubb$131$163
Liberty Mutual$137$174
State Auto$174$219
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: Mile Auto

If police have determined that you were responsible for an accident, you can expect your auto insurance rates to go up for three to five years. The average rate for full-coverage insurance with an accident on your record is $191.

The table below shows the cheapest liability insurance quotes 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, July 3 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Accident
sort ascsort desc
Mile Auto$44$57
State Farm$46$59
USAA$54$69
Progressive$58$76
Direct Auto$61$81
Travelers$62$80
Auto-Owners$63$81
Erie$67$84
GEICO$76$92
Safeco$83$113
Allstate$84$108
Dairyland$86$111
The General$91$122
Farmers$91$117
Root$96$124
GAINSCO$102$128
Elephant$105$134
National General$109$139
Nationwide$112$145
Bristol West$116$150
Chubb$131$168
Liberty Mutual$137$179
State Auto$174$226
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: Mile Auto

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 cancel your policy mid-term or deny you coverage altogether. In Tennessee, a DUI stays on your motor vehicle record permanently. About 1 out of every 4 drivers with a DUI conviction will do it again, according to the National Highway Traffic Safety Administration.[3] In Tennessee, about 1 out of every 3 fatal crashes involves a drunk driver.[4]

The average cost of full-coverage car insurance in Murfreesboro for drivers with a DUI conviction is $183. This table shows the liability-only rates Murfreesboro drivers with DUIs can expect to pay from insurers in the area.

The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With DUI
sort ascsort desc
Mile Auto$44$60
State Farm$46$62
USAA$54$73
Progressive$58$73
Direct Auto$61$83
Travelers$62$84
Auto-Owners$63$85
Erie$67$91
GEICO$76$103
Safeco$83$118
Allstate$84$114
Dairyland$86$117
The General$91$123
Farmers$91$123
Root$96$130
GAINSCO$102$138
Elephant$105$142
National General$109$148
Nationwide$112$152
Bristol West$116$157
Chubb$131$178
Liberty Mutual$137$186
State Auto$174$236
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: Mile Auto

Middle-aged drivers typically pay less for car insurance because they have a lot of experience in navigating Tennessee roadways safely. Most insurers begin to lower rates for drivers once they reach age 25. But around age 70, rates start to increase slightly because research shows drivers may be more likely to get into an accident as they age.[5]

The average monthly cost of car insurance for seniors in Murfreesboro is $91, and you can see a collection of rates offered by area insurers here.

The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
Mile Auto$57$33
State Farm$59$35
USAA$72$42
Travelers$82$48
GEICO$84$58
Auto-Owners$84$49
Erie$86$50
Progressive$97$47
Direct Auto$109$47
Allstate$113$66
Farmers$119$70
Safeco$133$70
Elephant$134$84
Nationwide$140$82
National General$141$81
The General$149$71
Root$154$79
Chubb$161$95
Liberty Mutual$190$111
Dairyland$195$68
GAINSCO$204$83
Bristol West$218$92
State Auto$220$130
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 unsafe driving habits. The same is true in Murfreesboro, where the average monthly rate for teen drivers is $230.

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. Minor teens can't legally buy their own policies without the written consent of a parent or guardian.

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, July 3 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
State Farm$155$92
Mile Auto$166$95
USAA$178$104
Auto-Owners$204$120
GEICO$208$143
Travelers$222$128
Erie$227$133
Progressive$246$119
Direct Auto$294$126
Allstate$295$173
Elephant$306$192
Farmers$309$182
Safeco$338$179
Root$343$176
The General$345$165
Nationwide$386$227
National General$404$233
Dairyland$435$152
Liberty Mutual$446$261
Chubb$491$290
GAINSCO$495$201
Bristol West$520$220
State Auto$741$436
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 MutualAllstate

Murfreesboro car insurance quotes by credit tier

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

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 $146 per month for a full-coverage insurance policy, compared to $143 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.

City
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
Chattanooga$149$75
Jackson$148$72
Knoxville$138$73
Memphis$205$106
Nashville$162$84
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $112. Meanwhile, the average rate for full coverage is $146, and the average rate for liability coverage is $79.

  • What company has the cheapest car insurance in Murfreesboro?

    Mile Auto offers the lowest average rates in Murfreesboro, at $44 per month for liability-only coverage. Murfreesboro motorists can also find cheap rates with State Farm and USAA, which offer average monthly liability rates of $46 and $54, 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 9.3, 9.1, and 9.2 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 $108. More specifically, liability coverage rates average $72 per month, while full-coverage insurance averages $143 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 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:

  • 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. U.S. Department of Transportation. "Traffic Safety Facts."
  4. Tennessee Department of Safety and Homeland Security. "DUI Crashes."
  5. 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.

Lindsay has been a contributor at Insurify since October 2022.

Chris Schafer
Edited byChris SchaferDeputy Managing Editor, News and Marketing Content
Chris Schafer
Chris SchaferDeputy Managing Editor, News and Marketing Content
  • 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
Mark Friedlander
Reviewed byMark FriedlanderSenior Director, Media Relations, Triple-I
Mark Friedlander
Mark FriedlanderSenior Director, Media Relations, Triple-I
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Compare Car Insurance Quotes Instantly

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