How to find the cheapest car insurance quotes in Murfreesboro
In Murfreesboro, the average auto insurance policy costs about $60 per month for minimum coverage liability insurance, and about $171 per month for full coverage insurance. Murfreesboro drivers pay 12% less than the Tennessee average.
You can find the best auto insurance rate in Murfreesboro, Tennessee, by shopping around and comparing quotes from multiple providers. But with dozens of providers in the state, requesting quotes from individual providers can be a big (and time-consuming) task.
Don’t settle for the first quote you get—and don’t waste your time requesting individual Tennessee auto insurance quotes from carriers. The Jerry app simplifies car insurance shopping and finds personalized quotes from 55+ top providers in just 45 seconds.
Check out the table below to see actual quotes that Jerry found for drivers in Murfreesboro, TN.
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| National General | $276 | 40 | 37128 | Chevrolet Malibu Lt | 50/100 | Yes |
| Progressive | $56 | 41 | 37128 | Hyundai Elantra Gls | State Minimum | Yes |
| Progressive | $59 | 46 | 37129 | Toyota Prius | State Minimum | No |
| Progressive | $108 | 34 | 37130 | Nissan Altima | State Minimum | No |
| Bristol West | $310 | 48 | 37128 | Toyota Camry | State Minimum | Yes |
Best car insurance companies in Murfreesboro
Jerry conducted the largest insurance shopping survey in the nation and found that policyholders in Tennessee gave Bristol West, State Auto, and Travelers the highest rates for cost, customer service, and claims processing.
But the results don’t just stop there. Here’s a breakdown of other providers in the state who scored high on our survey, and their corresponding rankings for each category.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Geico | 4.6 | 4.8 | N/A | 4.6 |
| State Farm | 4.2 | 3.7 | 4.6 | 4.4 |
| Progressive | 4.2 | 3.7 | 3.8 | 4 |
| Allstate | 4.1 | 4.3 | N/A | 4 |
| Farmers | 3.7 | 2.3 | N/A | 3 |
How’d we get these scores?
Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Murfreesboro
In order to legally drive in Murfreesboro, you need to purchase at least the state minimum requirements for car insurance. While this type of policy is cheaper on a month to month basis, it may not be your best option.
Cheap minimum liability insurance quotes in Murfreesboro
Tennessee minimum car insurance requirements are as follows:
- $25,000 of bodily injury liability per person
- $50,000 of bodily injury liability per accident
- $25,000 of property damage liability per accident
This is often referred to as 25/50/25 coverage.
Uninsured/underinsured motorist coverage (UM/UIM) isn’t required in Tennessee, but insurers are legally obligated to offer it to all drivers. If you decide to opt out of UM/UIM coverage, you must declare your decision in writing.
Do you need more than minimum coverage in Murfreesboro?
While Tennessee’s car insurance requirements are similar to most other states, they’re generally not enough to provide full financial protection in the event of an accident.
For example, let’s say you’re at fault for a car crash that totals the other party’s car (valued at $40,000). If you only have minimum coverage, your insurance policy will cover $25,000, and you will be on the hook for the remaining $15,000.
And because Tennessee’s car accident laws allow drivers to file property damage lawsuits up to three years after the accident, your liability can extend beyond the original crash.
If you’re not purchasing additional coverage that includes physical damages (comprehensive and collision), most experts recommend increasing liability limits to at least 50/100/50 or 100/300/100.
Cheap full coverage car insurance quotes in Murfreesboro
Minimum liability insurance coverage protects you against expenses resulting from an at-fault accident, but it doesn’t cover your costs—however, investing in a full coverage policy does.
“Full coverage” isn’t a type of policy but an umbrella term used to describe any insurance policy that includes liability coverage and coverage for physical damages—i.e., comprehensive and collision insurance.
- Collision coverage pays for vehicle repairs or replacement following an accident with another vehicle or stationary object.
- Comprehensive coverage pays for vehicle repair or replacement costs after a non-collision-related incident, such as theft, vandalism, or severe weather events.
If you lease or loan your car, your lender may require you to purchase collision and comprehensive insurance for the duration of your lease or auto loan. You’ll also need full coverage if you plan to purchase additional coverage, such as towing and labor coverage.
Remember: Collision and comprehensive coverage are subject to deductibles—the amount you must pay before insurance covers any costs. Increasing your deductible to the highest amount you can reasonably afford in the event of an accident will help to keep your monthly payments as low as possible.
Although full coverage policies are undoubtedly more expensive than minimum coverage, you’d probably be surprised to find they’re not as expensive as you think.
Check out the table below for some of the best rates Murfreesboro drivers found on full coverage policies using Jerry.
|
Liability Limits
|
Has Full Coverage
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
|---|---|---|---|---|---|---|
| 50/100 | Yes | National General | $276 | 40 | 37128 | Chevrolet Malibu Lt |
| State Minimum | Yes | Progressive | $56 | 41 | 37128 | Hyundai Elantra Gls |
| State Minimum | No | Progressive | $59 | 46 | 37129 | Toyota Prius |
| State Minimum | No | Progressive | $108 | 34 | 37130 | Nissan Altima |
| State Minimum | Yes | Bristol West | $310 | 48 | 37128 | Toyota Camry |
Finding affordable car insurance doesn’t have to be like finding a needle in a haystack. With a comparison app and licensed insurance broker like Jerry, you can find the coverage you need at the most affordable rates in minutes. And with over 100+ licensed insurance agents helping provide end-to-end customer service, no questions will go unanswered.
Average cost of car insurance in Murfreesboro
After analyzing scores of insurance providers in Murfreesboro, we have discovered that the average price for minimum liability coverage amounts to be $60 per month or $723 per year. Additionally, residents of Murfreesboro can expect to pay an average of $171 per month or $2,046 per year for full coverage insurance. While understanding insurance averages helps estimate how much you’ll pay for car insurance, they won’t be exact for you. Rates vary between insurers and are influenced by several factors, including vehicle make and model, driving history, claims record, annual mileage, and more.
Average cost of car insurance in Murfreesboro by zip code
Your ZIP code plays a large part in your car insurance calculations since different areas of a city are subject to their own unique features. If you move to a ZIP code notorious for traffic congestion or vehicle theft, you’ll likely see higher rates than drivers in other areas of the city.
To see how your ZIP code could affect your Murfreesboro insurance rates, check out the table below.
| Zip Code | Average State Minimum Coverage Rate | Average Full Coverage Rate |
|---|---|---|
| 37127 | $64 | $138 |
| 37128 | $77 | $124 |
| 37130 | $83 | $166 |
Car insurance quotes in Murfreesboro by rating factors
Murfreesboro insurers use several rating factors when calculating auto insurance premiums. Some of them include:
- Your driving record and claims history: Drivers with a history of car accidents or moving violations often experience higher than average rates.
- Your demographics: Age, gender, and marital status can all influence how much you’ll pay for insurance in Murfreesboro.
- Your zip code: As mentioned, where you live in Murfreesboro can increase or decrease your insurance based on factors like population density, traffic, and crime.
- Your mileage: High annual mileage increases accident risk, leading to higher insurance premiums.
- The make/model of your car: Luxury cars and sport vehicles have high insurance premiums due to increased theft and vandalism rates, as well as higher replacement costs.
Cheap car insurance quotes in Murfreesboro after driving violations
Your Tennessee driving record has one of the biggest influences on car insurance rates in Murfreesboro. Whether you have a history of violations, or a single ticket, these infractions signal to insurance agents that you’re a high-risk driver, and can send rates through the roof.
A few of these violations could include:
- Speeding
- DUIs
- At fault accidents
- Reckless driving
- Driving without insurance
- Driving without a license
- Driving with a suspended license
- Texting and driving
Cheapest car insurance in Murfreesboro after speeding ticket
You’re almost certain to see an increase in your insurance rates following a Tennessee speeding ticket, but how much your rates increase is linked both to how fast you’re driving and how many times you’ve been ticketed for speeding. If you’re going fast enough to warrant a reckless driving conviction, expect major rate increases.
Here’s what Tennessee drivers pay on average after a speeding ticket:
- 11–20 mph over the speed limit: $184/month
- 21+ mph over the speed limit: $187/month
To keep your rates affordable, you’ll need to compare car insurance quotes from as many providers as possible. Take a look at the rates Jerry found for Murfreesboro drivers with a speeding ticket:
|
Speeding Type
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| Speeding Violation-Minor | Trexis | $701 | 28 | 37127 | Kia Optima Sx | State Minimum | Yes |
| Speeding Violation-Minor | Progressive | $220 | 29 | 37128 | Bmw 528 I | State Minimum | Yes |
| Speeding Violation-Major | Electric | $448 | 35 | 37128 | Gmc Acadia Slt-2 | State Minimum | Yes |
| Speeding Violation-Major | Trexis | $145 | 23 | 37127 | Honda Accord Sport | State Minimum | No |
| Speeding Violation-Major | Trexis | $162 | 28 | 37128 | Chevrolet Impala Limited Ltz | State Minimum | Yes |
Cheapest car insurance in Murfreesboro after DUI
If you’re convicted of DUI in Tennessee, it serves a major red flag for auto insurance companies, signaling you’re a high-risk driver, which can send your rates soaring. In fact, some providers may not offer coverage after a DUI, especially if it’s not your first.
In Tennessee, drivers pay around 80% more for car insurance after a DUI—which can raise your rates from $171 per month for full coverage up to $308 per month.
Cheapest car insurance in Murfreesboro after an at-fault accident
At-fault accidents are another red flag for insurers that increase car insurance rates. Insurers see high-risk drivers as more likely to file a claim than drivers with clean records.
Tennessee drivers pay an average of around $150 a month for car insurance after an at-fault accident.
If you recently had an accident and saw your car insurance policy costs increase, shopping for new car insurance quotes might get you a better rate—like it did for these Murfreesboro policyholders.
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Accident type
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| At Fault With No Injury | Progressive | $59 | 46 | 37129 | Toyota Prius | State Minimum | No |
| At Fault With Injury | Bristol West | $310 | 48 | 37128 | Toyota Camry | State Minimum | Yes |
| At Fault With No Injury | Trexis | $387 | 34 | 37128 | Buick Regal Gs | State Minimum | Yes |
| At Fault With No Injury | Trexis | $242 | 52 | 37128 | Nissan Rogue S | State Minimum | Yes |
| Not At Fault | National General | $266 | 50 | 37130 | Acura Mdx Type S | 50/100 | Yes |
Cheapest car insurance in Murfreesboro after other driving violations
DUIs, accidents, and speeding aren’t the only offenses that can lead to high insurance rates. Things like reckless driving, driving with a suspended license, and driving without insurance are all violations that can increase car insurance rates in Murfreesboro.
Here’s a look at rates Murfreesboro drivers found after various types of violations with help from Jerry.
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Violation
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| DUI | Progressive | $108 | 34 | 37130 | Nissan Altima | State Minimum | No |
| Suspension | Trexis | $387 | 34 | 37128 | Buick Regal Gs | State Minimum | Yes |
| Careless Driving | Bristol West | $103 | 47 | 37129 | Chevrolet Silverado K1500 Lt | State Minimum | Yes |
| Improper Passing | Progressive | $185 | 20 | 37127 | Toyota Corolla Base | State Minimum | Yes |
| Other Major | National General | $184 | 23 | 37129 | Ford Fiesta Se | State Minimum | Yes |
Cheap car insurance quotes in Murfreesboro by age
Age isn’t everything, but it can significantly affect how much you pay for auto insurance. New drivers and those under 25 typically see the highest rates due to a lack of driving experience, whereas middle-aged drivers tend to enjoy some of the lowest rates.
Cheapest car insurance in Murfreesboro for young drivers
Thanks to a general lack of driving experience, teen drivers (and new drivers in general) pay the most for car insurance in Murfreesboro, Tennessee and elsewhere. Lack of driving experience means an increased risk for accidents, which leads to higher insurance premiums.
Murfreesboro drivers under the age of 21 could pay around $158 a month for minimum liability coverage and $328 a month for full coverage. However, those costs are about 41% lower for young drivers who remain on a parents’ policy.
Despite higher overall premiums, you should still consider a full-coverage policy if you’re a young or new driver in Murfreesboro. Full coverage policies offer the added financial protection you’ll need if you’re involved in a crash.
Cheapest car insurance in Murfreesboro for senior drivers
Older drivers usually enjoy lower premiums, but senior drivers may see a rate increase in their mid-seventies thanks to slower reflexes and increased risk for injury.
On average, drivers 65 and up in Murfreesboro pay around $46 a month for minimum liability insurance and around $103 a month for full coverage. Here are some real quotes Jerry found for senior drivers in Murfreesboro.
Cheap car insurance quotes in Murfreesboro based on insurance history
A critical factor in your car insurance rates is your insurance history—i.e., whether or not you are currently insured. Any lapse in your insurance coverage tends to increase car insurance rates—Murfreesboro drivers pay an average of $154 per month for full coverage following a lapse.
Drivers with a long history of continuous insurance coverage typically see lower rates than drivers with limited history or coverage lapses.
The good news is that whether you have a short insurance history or have gaps in your coverage, Jerry can help you find the most affordable rate for your driver profile.
Cheap car insurance quotes in Murfreesboro for drivers with bad credit
While having poor credit doesn’t automatically mean you’re an unsafe driver, insurers have seen a correlation between low credit scores and an increased frequency of claims. That’s why drivers with bad credit tend to pay higher premiums than those with healthy credit ratings.
Generally, drivers with excellent credit (over 750) pay about 20% less for auto coverage than drivers with scores below 550.
|
Credit Score
|
Insurance Company
|
Monthly Quote
|
Age
|
Zip Code
|
Car Make Model Trim
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| 550-659 | National General | $276 | 40 | 37128 | Chevrolet Malibu Lt | 50/100 | Yes |
| 550-659 | Progressive | $56 | 41 | 37128 | Hyundai Elantra Gls | State Minimum | Yes |
| 750+ | Progressive | $59 | 46 | 37129 | Toyota Prius | State Minimum | No |
| 660-750 | Progressive | $108 | 34 | 37130 | Nissan Altima | State Minimum | No |
| 550-659 | Bristol West | $310 | 48 | 37128 | Toyota Camry | State Minimum | Yes |
Cheap car insurance quotes in Murfreesboro for popular cars
Your vehicle make and model also influence how much you’ll pay for car insurance. Vehicles with higher repair and replacement costs—new, luxury, sports, or high-performance—are generally more expensive to insure than older, non-luxury vehicles.
The table below outlines insurance rates for some of the most popular cars in Murfreesboro.
|
Popular Car
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Nissan Altima | Progressive | $108 | 34 | 37130 | State Minimum | No |
| Toyota Camry | Bristol West | $310 | 48 | 37128 | State Minimum | Yes |
| Toyota Camry Le | Electric | $462 | 23 | 37127 | 50/100 | Yes |
| Honda Civic Sport | Trexis | $205 | 24 | 37130 | State Minimum | Yes |
| Nissan Altima 2.5 | National General | $131 | 29 | 37129 | State Minimum | No |
Cheapest car insurance in Murfreesboro for new vs. old car
In addition to its make and model, your vehicle’s age also plays a role in determining what you’ll pay for insurance. As you’d likely expect, it typically costs more to insure a newer vehicle than one that’s turned over a few thousand miles.
Average insurance rates in Murfreesboro for vehicles based on age are:
In Cleveland, the average cost to insure a vehicle that’s 10 years old or older is $94 per month.
How to lower car insurance costs in Murfreesboro
1. Shop around and compare quotes
If you want to find the best rate on the right coverage, shopping around and comparing quotes from multiple providers is the best way to do it. But since your driver profile and insurer rate criteria constantly change, it’s also important to shop for new rates every six months.
With Jerry, this process is easy. Jerry will walk you through creating a personalized profile, which is then used to find individualized quotes based on your needs from 55+ top providers. Drivers can usually find and secure a cheap auto insurance policy in under two hours.
2. Look for car insurance discounts
Car insurance discounts are a quick and easy way to save. Most insurance carriers offer discounts, but what’s offered varies between them. Some of the standard discounts offered by most providers include:
- Good driver discounts: Drivers who’ve maintained a clean driving record with no points or at-fault accidents in the last few years may be eligible for a discount on their premium.
- Good student discounts: Full-time high school or college students can save on their premium by maintaining a B average or higher. This is a great option to reduce high teen insurance rates!
- Bundling: Bundling home insurance and auto insurance (or auto and renters insurance) with the same insurance provider can help reduce your monthly payments.
- Multi-car: If you have more than one vehicle registered at the same address, insure them on the same policy to receive a discount.
- Low mileage discounts: Fewer annual miles means a lower risk of accidents, translating to lower insurance rates.
Learn more: 11 ways to lower car insurance
3. Increase your deductible for comprehensive and collision coverage
If you have comprehensive and collision insurance on your policy, lowering your deductible can help reduce your monthly payments. The higher your deductible, the less you’ll pay. But before you jack it up, ensure you can reasonably afford to pay it in the event of an accident.
FAQ
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What is the best car insurance in Murfreesboro?
Andrea Barrett is an insurance writer with five years of experience in writing and publishing. Andrea specializes in car insurance, maintenance, and brand reviews, and her mission is to create comprehensive and useful content readers can use to help lower their car-related expenses. Andrea has written nearly 1,500 articles for Jerry on topics ranging from first-time buyer programs to insurance costs and vehicle life expectancies. Beore joining Jerry, Andrea co-founded a successful health food business and created content for clients in the health and wellness industry.
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.
