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Cheap Auto Insurance Quotes in Murfreesboro, TN (June 2022)
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Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka
Last Updated February 4, 2022
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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.
Quick Facts
- The average cost of car insurance in Murfreesboro is $173 per month, or $2076 annually.
- Car insurance in Murfreesboro is $6 more than the average cost of car insurance in Tennessee.
- The cheapest car insurance provider in Murfreesboro on average is National General, but you should always compare quotes to find your best personal rate.
Quotes by Top Companies
Progressive$68
State Farm$89
Nationwide$118
Liberty Mutual$126
American Family$142
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!
| Insurance Provider in Murfreesboro | Quotes |
|---|---|
| Progressive | $68 /mo |
| State Farm | $89 /mo |
| Nationwide | $118 /mo |
| Liberty Mutual | $126 /mo |
| American Family | $142 /mo |
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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.
| Best Companies | Score | Quotes |
|---|---|---|
| American Family | 89 | $187 /mo |
| Nationwide | 89 | $272 /mo |
| Safeco | 86 | $214 /mo |
| Liberty Mutual | 82 | $230 /mo |
| Travelers | 80 | $161 /mo |
See More: Best Car Insurance Companies
Average Car Insurance Cost
| Tennessee Cities | |
|---|---|
| Memphis | $159/mo |
| Knoxville | $112/mo |
| Chattanooga | $134/mo |
| Clarksville | $124/mo |
| Murfreesboro | $125/mo |
| Tennessee | $131/mo |
Knoxville$112
Clarksville$124
Murfreesboro$125
Average for TN$131
Chattanooga$134
Memphis$159
Click here to learn about car insurance quotes and save on your current policy.
Minimum Car Insurance Requirements in Tennessee
All motor vehicles operated or parked on Tennessee roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:
- Requested by law enforcement
- Renewing vehicle registration
- The vehicle is involved in a car accident
The minimum liability insurance requirements for private passenger vehicles in Tennessee[1] are:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Tennessee is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.
- $15,000 per accident for property damage
If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.
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.
| Driver's Age | Avg. Monthly Cost |
|---|---|
| teens | $273 |
| 20s | $212 |
| 30s | $160 |
| 40s | $241 |
| 50s | $200 |
| 60s | $135 |
| 70s | $142 |
| 80s | $176 |
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.
| Driving History | Avg. Monthly Cost |
|---|---|
| No Violation | $195 |
| Speeding Ticket | $241 |
| At-Fault Accident | $234 |
| Failure to Stop for Red Light / Stop Sign | $217 |
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.
| Credit Tier | Avg. Monthly Cost |
|---|---|
| Excellent | $197 |
| Good | $186 |
| Average | $217 |
| Poor | $198 |
See More: Bad Credit Car Insurance Tennessee
Find local Murfreesboro agents
AmeriAgency Inc.
1850 Memorial Blvd,
Murfreesboro, TN 371298A Insurance Group
2615 Medical Center Parkway Ste. 1560,
Murfreesboro, TN 37129Compass Insurance Group
120 E Main St Suite 350,
Murfreesboro, TN 37130Synergy Insurance
2107 Lothric Way,
Ste. 1, Murfreesboro, TN 37129Heritage South Financial, LLC
2705 Old Fort Parkway,
Suite P, Murfreesboro, TN 37128FSB dba Claiborne & Taylor
319 W McKnight Dr,
Murfreesboro, TN 37129England Clark & Wade
1710 East Main Street,
Murfreesboro, TN 37130Miller Loughry Beach Insurance Services, Inc.
214 West College Street,
Murfreesboro, TN 37130Universal International, Inc.
2510 Blanton’s Pointe,
Murfreesboro, TN 37128My Team Insurance Services, LLC
1507 Memorial Blvd,
Murfreesboro, TN 37129-2103
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.
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.
FAQs - Murfreesboro, TN Car Insurance
The average cost of car insurance in Murfreesboro is $125 per month, which is comparable to the average premium for Tennessee and much less than the national average of $234 per month. You may be able to get an even lower premium if you use a quote-comparison tool like Insurify to find the best deal. At the very least, you’ll need liability coverage for up to $25,000 per person for injury or death, $50,000 total per accident, and $15,000 in property damage coverage per accident. If you finance your vehicle with a loan, you’ll likely need collision and comprehensive coverage as well. Even if you own your car outright, you should consider getting full coverage so you’re not on the hook for damages to your vehicle if you cause an accident. If you’re caught driving without insurance in Tennessee, you’ll be charged a $300 fine and have your license suspended until you can provide proof of insurance. You’ll also need to retake the driver’s license exam and pay fees to get your license back. Your insurer will need to file an SR-22 for three years to prove you have insurance, and you might pay a higher premium because you’ll be viewed as a risky driver.
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Methodology
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.
Insurify Insights
How Murfreesboro Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Murfreesboro, Tennessee below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Murfreesboro drivers measure up to their fellow motorists across Tennessee in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Nissan Altima
Most Popular Car in Murfreesboro
#15
City with the Most Speeding Tickets Rank in Tennessee
#9
City with the Most Moving Violations Rank in Tennessee
#26
City with the Most DUIs Rank in Tennessee
#37
City with the Most Suspended Licenses in Tennessee
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.
- Rank within state: #10
- Percent of drivers in Murfreesboro with an accident: 13.24%
- Drivers in Murfreesboro, TN with an accident in their driving history pay on average 33.77% more than drivers with a clean record
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.
- Rank within state: #15
- Percent of drivers in Murfreesboro with a speeding ticket: 11.99%
- Drivers in Murfreesboro, TN with a speeding ticket in their driving history pay on average 27.15% more than drivers with a clean record
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.
- Rank within state: #26
- Percent of drivers in Murfreesboro with a DUI: 1.61%
- Drivers in Murfreesboro, TN with a DUI in their driving history pay on average -95.36% more than drivers with a clean record
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.
- Rank within state: #2
- Percent of drivers in Murfreesboro with a reckless driving violation: 2.62%
- Drivers in Murfreesboro, TN with a reckless driving violation in their driving history pay on average 34.44% more than drivers with a clean record.
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.
- Rank within state: #13
- Percent of drivers in Murfreesboro with clean record: 75.85%
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.
- Rank within state: #5
- Percent of drivers in Murfreesboro with a failure to yield violation: 0.48%
- Drivers in Murfreesboro, TN with a failure to yield violation in their driving history pay on average 0% more than drivers with a clean record
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.
- Rank within state: #5
- Percent of drivers in Murfreesboro with a reckless driving offense: 0.18%
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.
- Rank within state: #12
- Percent of drivers in Murfreesboro with a hybrid/electric vehicle: 0.54%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Content Specialist at Insurify
Olivia Oksenhorn is a content specialist at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.
Sources
- Tennessee Department of Revenue. "State Minimum Car Insurance Requirements." Accessed May 28, 2022