Cheapest car insurance in Murfreesboro, Tennessee (Sep 2024)

state minimum requirements

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

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.

Take a look at recent rates that real Jerry customers have received with some of the cheapest companies for liability-only coverage:

Ada (52 years old)

Coverage

State Minimum

Murfreesboro, TN
(Zip Code: 37128)

Nissan Rogue S

$142

per month

Safeco

Edwin (56 years old)

Coverage

State Minimum

Murfreesboro, TN
(Zip Code: 37129)

Chevrolet Malibu LS

$79

per month

Sophie (24 years old)

Coverage

State Minimum

Murfreesboro, TN
(Zip Code: 37130)

Ford Fusion SE

$67

per month

Tennessee’s car accident laws

Lilly (37 years old)

Coverage

State Minimum

Murfreesboro, TN
(Zip Code: 37127)

Dodge Journey SXT

$153

per month

Assurance America

Leroy (38 years old)

Coverage

State Minimum

Murfreesboro, TN
(Zip Code: 37128)

Chrysler PT Cruiser Touring

$61

per month

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

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.

Insurance coverage	Insurance company	Premium (monthly)	Customer	Car
• State Minimum Liability • Comp / Collision	Progressive	$142	Ada, 52 Zip: 37128	Nissan Rogue S
• 100,000/300,000 Liability • Comp / Collision	Allstate	$144	Marvin, 60 Zip: 37130	Ford F150 Super Cab
• 50,000/100,000 Liability • Comp / Collision	Travelers	$92	Craig, 37 Zip: 37130	Jaguar XJS
• 50,000/100,000 Liability • Comp / Collision	Nationwide	$130	Lloyd, 50 Zip: 37130	Acura MDX Advance
• State Minimum Liability • Comp / Collision	State Auto	$101	Sarah, 81 Zip: 37129	Dodge Grand Caravan SE

Last Updated Sep 13, 2024

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.

"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"

Sean S.

| Verified Jerry Customer

Lower my car insurance too!

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

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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.

How do different factors impact your car insurance costs in Murfreesboro?

Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history

Prohibited (or effectively prohibited): Tennessee currently does not disallow any common insurance rating factors when calculating insurance premiums.

Learn more about the car insurance rating factors in Murfreesboro:

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)	Customer	Car	Insurance Coverage
Speeding 1-5	Progressive	$137	Marguerite, 26 Zip: 37128	Hyundai Sonata Sport	• State Minimum Liability • Comp / Collision
Speeding 11-15	National General	$131	Ronald, 24 Zip: 37129	Volkswagen Jetta S	• State Minimum Liability
Speeding 16-20	Safeco	$118	Larry, 41 Zip: 37130	Toyota Sienna XLE	• State Minimum Liability • Comp / Collision

Last Updated Sep 13, 2024

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.

Luckily, Jerry can help you get a quote for affordable coverage even after a major conviction, like a DUI.

driving without insurance

Allen (39 years old)

Coverage

State Minimum

Murfreesboro, TN
(Zip Code: 37129)

Ford Escape SEL

$101

per month

Trexis

Mark (39 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Murfreesboro, TN
(Zip Code: 37129)

Acura 3.5RL

$110

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.

Accident type	Insurance company	Premium (monthly)	Customer	Car	Insurance coverage
At Fault With Injury	Safeco	$125	George, 22 Zip: 37128	Chevrolet Tahoe K1500 LTZ	• State Minimum Liability
At Fault With No Injury	Progressive	$186	Leroy, 28 Zip: 37128	Chevrolet Impala Limited LTZ	• State Minimum Liability • Comp / Collision
Not At Fault	Nationwide	$130	Nelle, 49 Zip: 37130	Acura MDX Advance	• 50,000/100,000 Liability • Comp / Collision
At Fault With No Injury	Allstate	$163	Sallie, 27 Zip: 37128	Chevrolet Impala Limited LTZ	• 50,000/100,000 Liability • Comp / Collision

Last Updated Sep 12, 2024

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

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.

Violation	Insurance company	Premium (monthly)	Customer	Car	Insurance coverage
Failure to Obey Signal	Progressive	$337	Lettie, 41 Zip: 37130	Ford Focus SE	• State Minimum Liability • Comp / Collision
Cell Phone	The General	$80	Andre, 44 Zip: 37130	Ford Taurus SE	• State Minimum Liability
Careless Driving	Progressive	$109	Rosetta, 33 Zip: 37129	Nissan Sentra 2.0	• State Minimum Liability
Driving on Sus. License	Safeco	$125	Bertie, 22 Zip: 37128	Chevrolet Tahoe K1500 LTZ	• State Minimum Liability
Failure to Obey Signal	Progressive	$337	Eugene, 41 Zip: 37130	Ford Focus SE	• State Minimum Liability • Comp / Collision
Improper Passing	Progressive	$137	Olga, 26 Zip: 37128	Hyundai Sonata Sport	• State Minimum Liability • Comp / Collision

Last Updated Sep 13, 2024

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.

Leona (21 years old)

Coverage

State Minimum

Murfreesboro, TN
(Zip Code: 37128)

Nissan Altima 2.5

$123

per month

Jorge (24 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Murfreesboro, TN
(Zip Code: 37130)

Nissan Versa S

$284

per month

Sophie (24 years old)

Coverage

State Minimum

Murfreesboro, TN
(Zip Code: 37130)

Ford Fusion SE

$67

per month

Safeco

Jim (21 years old)

Coverage

State Minimum

Murfreesboro, TN
(Zip Code: 37130)

Volkswagen Jetta SE

$409

per month

Gainsco

Leila (24 years old)

Coverage

State Minimum

Murfreesboro, TN
(Zip Code: 37129)

KIA Sorento EX

$230

per month

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.

Thomas (78 years old)

Coverage

State Minimum

Murfreesboro, TN
(Zip Code: 37129)

Ford Fusion Titanium HEV

$143

per month

Loretta (78 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Murfreesboro, TN
(Zip Code: 37128)

Nissan Altima 2.5

$132

per month

Trexis

Gene (81 years old)

Coverage

State Minimum

Murfreesboro, TN
(Zip Code: 37129)

Dodge Grand Caravan SE

$111

per month

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.

Leroy (28 years old)

Currently Insured

Coverage

State Minimum

Murfreesboro, TN
(Zip Code: 37128)

Chevrolet Impala Limited LTZ

$186

per month

Nationwide

Jesse (22 years old)

Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Murfreesboro, TN
(Zip Code: 37129)

Volkswagen GTI S

$299

per month

Safeco

Sean (30 years old)

Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Murfreesboro, TN
(Zip Code: 37129)

Chevrolet Blazer 1LT

$79

per month

Charlie (27 years old)

Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Murfreesboro, TN
(Zip Code: 37128)

Toyota Corolla L

$186

per month

Gainsco

Hester (25 years old)

Currently Insured

Coverage

State Minimum

Murfreesboro, TN
(Zip Code: 37128)

Chevrolet Malibu LT

$213

per month

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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 Range	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
> 750	Progressive	$135	Katherine, 44 Zip: 37128	Ford Edge Titanium	• State Minimum Liability • Comp / Collision
660 - 750	Safeco	$89	Teresa, 25 Zip: 37128	Hyundai Genesis 3.8L	• State Minimum Liability • Comp / Collision
660 - 750	National General	$131	Garrett, 24 Zip: 37129	Volkswagen Jetta S	• State Minimum Liability
550 - 659	Allstate	$163	Sallie, 27 Zip: 37128	Chevrolet Impala Limited LTZ	• 50,000/100,000 Liability • Comp / Collision
< 550	Gainsco	$260	Helen, 29 Zip: 37130	Acura RDX	• State Minimum Liability • Comp / Collision

Last Updated Sep 12, 2024

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)	Customer	Insurance Coverage
RAM 1500 ST	Progressive	$98	Hannah, 32 Zip: 37127	• State Minimum Liability • Comp / Collision
Honda Civic LX	National General	$61	Zachary, 27 Zip: 37130	• State Minimum Liability
Nissan Altima 2.5	Allstate	$132	Louise, 77 Zip: 37128	• 100,000/300,000 Liability • Comp / Collision
Toyota Camry L	Progressive	$89	Lelia, 24 Zip: 37129	• State Minimum Liability • Comp / Collision

Last Updated Sep 13, 2024

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 $123 per month.

Ada (52 years old)

2012 Nissan Rogue S

Coverage

State Minimum

Murfreesboro, TN
(Zip Code: 37128)

$142

per month

Nationwide

Lloyd (50 years old)

2019 Acura MDX Advance

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Murfreesboro, TN
(Zip Code: 37130)

$130

per month

Marvin (60 years old)

2013 Ford F150 Super Cab

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Murfreesboro, TN
(Zip Code: 37130)

$144

per month