Cheapest and Best Car Insurance Companies in Murfreesboro, TN

Auto-Owners Insurance Co is the cheapest company in Murfreesboro, TN, for a minimum coverage policy based on the latest quotes for 2023. It is also the best overall company, as it offers quality service and affordable rates.

Auto-Owners Insurance Co is the cheapest option for minimum coverage policies. State Farm is the cheapest company for full coverage policies and for those with speeding tickets, at-fault accidents and DUIs on their records. The other most affordable companies are Nationwide for teens and USAA for military members. Chubb is best for customer service.

The cheapest insurer for you will vary based on your driver profile and needs.

Cheapest + BestCar InsuranceMurfreesboro

2023

Cheapest and Best Car Insurance in Murfreesboro, TN

Cheapest Overall - Auto-Owners and American National

Cheapest Full Coverage - State Farm

Cheapest After Driving Offense - State Farm

Cheapest for Teens - Nationwide

Cheapest for Military - USAA

Best Overall - Auto-Owners and American National

Best for Customer Service - Chubb

Best Cheap - Auto-Owners and American National

Cheapest Minimum Liability Car Insurance in Murfreesboro

The cheapest car insurance companies for a minimum coverage policy in Murfreesboro are:

Auto-Owners Insurance Co: approximately $230 per year
State Farm: approximately $236 per year

The most expensive company is Allstate, with an average premium of $534 per year. Texas Farm Bureau offers the cheapest car insurance in Tennessee for minimum coverage policies. As of October 2022, it’s a bit cheaper in Tennessee overall, at $276 per year. This shows that location is one of the factors that can affect the cost of car insurance.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
State Farm	$222	$18
Auto-Owners Insurance Co	$230	$19
Auto-Owners Insurance Co	$231	$19
State Farm	$236	$20
Erie	$277	$23
Erie	$278	$23
Tennessee Farm Bureau	$285	$24
State Farm	$287	$24
Tennessee Farm Bureau	$298	$25
Cincinnati Insurance	$312	$26
Chubb	$328	$27
Grange Insurance	$330	$27
Westfield	$330	$28
Auto-Owners Insurance Co	$331	$28
Grange Insurance	$333	$28
Farmers	$353	$29
Chubb	$355	$30
Westfield	$364	$30
Cincinnati Insurance	$366	$31
Grange Insurance	$367	$31
Farmers	$369	$31
Erie	$372	$31
GEICO	$382	$32
Westfield	$389	$32
Tennessee Farm Bureau	$400	$33
GEICO	$419	$35
Travelers	$423	$35
Farmers	$434	$36
American National P&C	$440	$37
Progressive	$450	$37
Cincinnati Insurance	$456	$38
Travelers	$467	$39
Nationwide	$468	$39
Travelers	$471	$39
Nationwide	$479	$40
GEICO	$482	$40
Progressive	$482	$40
American National P&C	$506	$42
State Farm	$528	$44
American National P&C	$528	$44
Allstate	$534	$44
Nationwide	$536	$45
Allstate	$539	$45
Auto-Owners Insurance Co	$569	$47
Allstate	$573	$48
State Farm	$576	$48
Chubb	$582	$49
Auto-Owners Insurance Co	$599	$50
Progressive	$600	$50
Erie	$688	$57
Erie	$694	$58
Farmers	$716	$60
Nationwide	$722	$60
Cincinnati Insurance	$733	$61
State Farm	$741	$62
Grange Insurance	$753	$63
Tennessee Farm Bureau	$758	$63
Farmers	$769	$64
Westfield	$771	$64
Westfield	$776	$65
Nationwide	$781	$65
Chubb	$807	$67
GEICO	$819	$68
Grange Insurance	$827	$69
GEICO	$839	$70
Auto-Owners Insurance Co	$862	$72
Tennessee Farm Bureau	$866	$72
Allstate	$883	$74
Travelers	$900	$75
Travelers	$901	$75
Cincinnati Insurance	$906	$76
Chubb	$907	$76
Nationwide	$918	$77
Grange Insurance	$919	$77
Farmers	$920	$77
Erie	$926	$77
Allstate	$935	$78
Allstate	$949	$79
Westfield	$984	$82
Travelers	$1,055	$88
GEICO	$1,069	$89
Progressive	$1,082	$90
American National P&C	$1,130	$94
Cincinnati Insurance	$1,139	$95
American National P&C	$1,144	$95
Progressive	$1,193	$99
Tennessee Farm Bureau	$1,195	$100
Chubb	$1,317	$110
American National P&C	$1,452	$121
Progressive	$1,539	$128

According to state laws, a minimum coverage policy only covers bodily injury liability and property damage liability. More specifically, it has the following limits in Tennessee:

$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$15,000 property damage liability per accident

Liability coverage pays for the expenses of an injured person in an accident. Your insurance can cover $25,000 of these expenses for one person, but it can only cover up to $50,000 if there are two or more injured persons. You will have to pay any additional costs out of pocket.

Cheapest Full Coverage Car Insurance in Murfreesboro

The cheapest car insurance companies for a full coverage policy in Murfreesboro are:

State Farm: approximately $576 per year
Auto-Owners Insurance Co: approximately $599 per year

The most expensive company for full coverage policies is Progressive. Its average premium is $1,193 per year. The cheapest full coverage car insurance in Tennessee is from Erie. It has an average premium of $768 per year, which is more expensive than the cheapest company in Murfreesboro and shows that location is an important factor in determining your rates.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
State Farm	$222	$18
Auto-Owners Insurance Co	$230	$19
Auto-Owners Insurance Co	$231	$19
State Farm	$236	$20
Erie	$277	$23
Erie	$278	$23
Tennessee Farm Bureau	$285	$24
State Farm	$287	$24
Tennessee Farm Bureau	$298	$25
Cincinnati Insurance	$312	$26
Chubb	$328	$27
Grange Insurance	$330	$27
Westfield	$330	$28
Auto-Owners Insurance Co	$331	$28
Grange Insurance	$333	$28
Farmers	$353	$29
Chubb	$355	$30
Westfield	$364	$30
Cincinnati Insurance	$366	$31
Grange Insurance	$367	$31
Farmers	$369	$31
Erie	$372	$31
GEICO	$382	$32
Westfield	$389	$32
Tennessee Farm Bureau	$400	$33
GEICO	$419	$35
Travelers	$423	$35
Farmers	$434	$36
American National P&C	$440	$37
Progressive	$450	$37
Cincinnati Insurance	$456	$38
Travelers	$467	$39
Nationwide	$468	$39
Travelers	$471	$39
Nationwide	$479	$40
GEICO	$482	$40
Progressive	$482	$40
American National P&C	$506	$42
State Farm	$528	$44
American National P&C	$528	$44
Allstate	$534	$44
Nationwide	$536	$45
Allstate	$539	$45
Auto-Owners Insurance Co	$569	$47
Allstate	$573	$48
State Farm	$576	$48
Chubb	$582	$49
Auto-Owners Insurance Co	$599	$50
Progressive	$600	$50
Erie	$688	$57
Erie	$694	$58
Farmers	$716	$60
Nationwide	$722	$60
Cincinnati Insurance	$733	$61
State Farm	$741	$62
Grange Insurance	$753	$63
Tennessee Farm Bureau	$758	$63
Farmers	$769	$64
Westfield	$771	$64
Westfield	$776	$65
Nationwide	$781	$65
Chubb	$807	$67
GEICO	$819	$68
Grange Insurance	$827	$69
GEICO	$839	$70
Auto-Owners Insurance Co	$862	$72
Tennessee Farm Bureau	$866	$72
Allstate	$883	$74
Travelers	$900	$75
Travelers	$901	$75
Cincinnati Insurance	$906	$76
Chubb	$907	$76
Nationwide	$918	$77
Grange Insurance	$919	$77
Farmers	$920	$77
Erie	$926	$77
Allstate	$935	$78
Allstate	$949	$79
Westfield	$984	$82
Travelers	$1,055	$88
GEICO	$1,069	$89
Progressive	$1,082	$90
American National P&C	$1,130	$94
Cincinnati Insurance	$1,139	$95
American National P&C	$1,144	$95
Progressive	$1,193	$99
Tennessee Farm Bureau	$1,195	$100
Chubb	$1,317	$110
American National P&C	$1,452	$121
Progressive	$1,539	$128

A full coverage policy has comprehensive and collision insurance. These cover the following costs:

Collision Insurance: This covers damages on your vehicle caused by an at-fault accident.
Comprehensive Insurance: This covers damages on your vehicle that don’t come from an accident.

A full coverage policy may not be worth the expensive rates if you have an older car with low value.

Cheapest Car Insurance in Murfreesboro After a Driving Offense

The cheapest car insurance companies after driving violations in Murfreesboro are:

Speeding ticket: State Farm (approximately $632 per year)
At-fault accident: State Farm (approximately $689 per year)
DUI: State Farm (approximately $632 per year)

On average, Progressive is the most expensive company after a speeding ticket ($1,569 per year) and an at-fault accident ($2,132 per year). Chubb costs the most after a DUI, at $3,594 per year on average. Having a violation in your driving record may make your rate higher. The cheapest option for you may still be more expensive than the options for drivers with spotless records.

Age Group

Coverage

Incident

Company	Annual Premium	Monthly Premium
State Farm	$246	$20
State Farm	$246	$20
State Farm	$262	$22
State Farm	$262	$22
State Farm	$271	$23
Tennessee Farm Bureau	$285	$24
Tennessee Farm Bureau	$285	$24
State Farm	$288	$24
Erie	$289	$24
Erie	$290	$24
Tennessee Farm Bureau	$298	$25
Tennessee Farm Bureau	$298	$25
State Farm	$319	$27
State Farm	$319	$27
Auto-Owners Insurance Co	$323	$27
Auto-Owners Insurance Co	$325	$27
State Farm	$351	$29
Cincinnati Insurance	$371	$31
Chubb	$372	$31
Erie	$380	$32
Erie	$380	$32
Erie	$388	$32
Westfield	$396	$33
Tennessee Farm Bureau	$400	$33
Tennessee Farm Bureau	$400	$33
Chubb	$403	$34
Auto-Owners Insurance Co	$419	$35
Auto-Owners Insurance Co	$422	$35
GEICO	$424	$35
Cincinnati Insurance	$435	$36
Farmers	$435	$36
Westfield	$437	$36
Tennessee Farm Bureau	$446	$37
Grange Insurance	$447	$37
Grange Insurance	$458	$38
GEICO	$466	$39
Westfield	$466	$39
Auto-Owners Insurance Co	$466	$39
Tennessee Farm Bureau	$468	$39
Erie	$469	$39
Erie	$472	$39
Farmers	$488	$41
Grange Insurance	$491	$41
Grange Insurance	$498	$41
Farmers	$503	$42
Erie	$506	$42
Farmers	$513	$43
Nationwide	$514	$43
GEICO	$520	$43
Nationwide	$526	$44
Farmers	$529	$44
Grange Insurance	$530	$44
American National P&C	$534	$45
Progressive	$541	$45
Cincinnati Insurance	$544	$45
Grange Insurance	$546	$46
Chubb	$556	$46
Travelers	$557	$46
Farmers	$565	$47
Grange Insurance	$566	$47
Westfield	$569	$47
Progressive	$573	$48
Grange Insurance	$575	$48
Allstate	$577	$48
State Farm	$580	$48
State Farm	$580	$48
Travelers	$581	$48
Farmers	$582	$49
Nationwide	$582	$49
Allstate	$585	$49
Travelers	$586	$49
Farmers	$587	$49
GEICO	$595	$50
Westfield	$603	$50
Auto-Owners Insurance Co	$604	$50
Chubb	$605	$50
Farmers	$610	$51
Travelers	$612	$51
Nationwide	$612	$51
American National P&C	$612	$51
Allstate	$625	$52
Erie	$626	$52
Nationwide	$626	$52
Westfield	$627	$52
Tennessee Farm Bureau	$632	$53
Auto-Owners Insurance Co	$632	$53
State Farm	$632	$53
State Farm	$632	$53
Grange Insurance	$633	$53
State Farm	$633	$53
American National P&C	$636	$53
Auto-Owners Insurance Co	$636	$53
American National P&C	$640	$53
Progressive	$642	$54
Travelers	$649	$54
Allstate	$657	$55
Travelers	$662	$55
Allstate	$666	$56
Cincinnati Insurance	$666	$56
Chubb	$667	$56
Progressive	$668	$56
Allstate	$669	$56
GEICO	$669	$56
Travelers	$679	$57
Allstate	$679	$57
State Farm	$689	$57
Progressive	$692	$58
Travelers	$698	$58
Nationwide	$700	$58
Nationwide	$705	$59
Erie	$714	$60
Allstate	$717	$60
Cincinnati Insurance	$718	$60
Erie	$720	$60
Nationwide	$720	$60
American National P&C	$722	$60
American National P&C	$730	$61
Allstate	$730	$61
GEICO	$738	$61
GEICO	$738	$62
Tennessee Farm Bureau	$758	$63
Tennessee Farm Bureau	$758	$63
American National P&C	$762	$64
Progressive	$766	$64
Travelers	$776	$65
Cincinnati Insurance	$790	$66
Nationwide	$794	$66
GEICO	$807	$67
State Farm	$815	$68
State Farm	$815	$68
Auto-Owners Insurance Co	$824	$69
American National P&C	$828	$69
Nationwide	$843	$70
Cincinnati Insurance	$846	$71
GEICO	$848	$71
Auto-Owners Insurance Co	$863	$72
Tennessee Farm Bureau	$866	$72
Tennessee Farm Bureau	$866	$72
American National P&C	$866	$72
Cincinnati Insurance	$866	$72
State Farm	$888	$74
Progressive	$889	$74
Nationwide	$902	$75
Erie	$907	$76
Erie	$909	$76
Auto-Owners Insurance Co	$912	$76
Chubb	$912	$76
Westfield	$924	$77
Westfield	$932	$78
GEICO	$932	$78
Erie	$960	$80
Farmers	$969	$81
Cincinnati Insurance	$976	$81
GEICO	$976	$81
Allstate	$979	$82
Farmers	$980	$82
Progressive	$988	$82
Chubb	$1,023	$85
Chubb	$1,029	$86
Progressive	$1,034	$86
Auto-Owners Insurance Co	$1,036	$86
Nationwide	$1,039	$87
Allstate	$1,041	$87
Cincinnati Insurance	$1,052	$88
Allstate	$1,054	$88
Farmers	$1,059	$88
Farmers	$1,059	$88
Cincinnati Insurance	$1,076	$90
Auto-Owners Insurance Co	$1,078	$90
Nationwide	$1,088	$91
Erie	$1,094	$91
Erie	$1,099	$92
Grange Insurance	$1,103	$92
Farmers	$1,106	$92
Farmers	$1,107	$92
Westfield	$1,118	$93
Grange Insurance	$1,126	$94
Grange Insurance	$1,127	$94
Farmers	$1,130	$94
Allstate	$1,140	$95
Grange Insurance	$1,141	$95
Westfield	$1,153	$96
Nationwide	$1,164	$97
GEICO	$1,175	$98
Allstate	$1,175	$98
Westfield	$1,177	$98
Westfield	$1,181	$98
Tennessee Farm Bureau	$1,195	$100
Tennessee Farm Bureau	$1,195	$100
Tennessee Farm Bureau	$1,203	$100
Farmers	$1,209	$101
Erie	$1,210	$101
Westfield	$1,210	$101
Westfield	$1,217	$101
Allstate	$1,220	$102
Allstate	$1,231	$103
Grange Insurance	$1,235	$103
Auto-Owners Insurance Co	$1,251	$104
Travelers	$1,253	$104
Farmers	$1,260	$105
Allstate	$1,260	$105
Allstate	$1,270	$106
Chubb	$1,293	$108
American National P&C	$1,298	$108
Travelers	$1,303	$109
American National P&C	$1,308	$109
Grange Insurance	$1,324	$110
GEICO	$1,330	$111
Nationwide	$1,332	$111
Progressive	$1,335	$111
Nationwide	$1,342	$112
Travelers	$1,346	$112
Cincinnati Insurance	$1,353	$113
Progressive	$1,356	$113
Chubb	$1,357	$113
Grange Insurance	$1,373	$114
Travelers	$1,376	$115
Tennessee Farm Bureau	$1,377	$115
Travelers	$1,407	$117
Nationwide	$1,409	$117
GEICO	$1,410	$117
Chubb	$1,415	$118
American National P&C	$1,418	$118
Westfield	$1,424	$119
Travelers	$1,430	$119
Travelers	$1,441	$120
American National P&C	$1,446	$121
Grange Insurance	$1,453	$121
Erie	$1,462	$122
Chubb	$1,503	$125
Auto-Owners Insurance Co	$1,511	$126
American National P&C	$1,520	$127
Cincinnati Insurance	$1,520	$127
Chubb	$1,541	$128
GEICO	$1,554	$130
Auto-Owners Insurance Co	$1,557	$130
Travelers	$1,560	$130
American National P&C	$1,562	$130
Progressive	$1,569	$131
Auto-Owners Insurance Co	$1,571	$131
Travelers	$1,577	$131
Nationwide	$1,586	$132
Progressive	$1,613	$134
Grange Insurance	$1,617	$135
American National P&C	$1,646	$137
GEICO	$1,672	$139
Cincinnati Insurance	$1,680	$140
Progressive	$1,708	$142
GEICO	$1,709	$142
American National P&C	$1,792	$149
GEICO	$1,800	$150
Cincinnati Insurance	$1,894	$158
Tennessee Farm Bureau	$1,905	$159
American National P&C	$1,912	$159
Progressive	$1,943	$162
Cincinnati Insurance	$2,087	$174
Progressive	$2,132	$178
Westfield	$2,225	$185
Westfield	$2,231	$186
Progressive	$2,264	$189
Auto-Owners Insurance Co	$2,287	$191
Chubb	$2,293	$191
Cincinnati Insurance	$2,370	$198
Westfield	$2,439	$203
Chubb	$2,448	$204
Progressive	$2,575	$215
Cincinnati Insurance	$2,622	$219
Chubb	$3,135	$261
Chubb	$3,594	$300
Chubb	$5,451	$454

Rates can increase for more severe violations, although that’s not always the case. Annual premiums after a DUI can increase by $726, but they only increase by $176 after a speeding ticket. You can save money by comparing rates to find the cheapest car insurance for drivers with bad driving records. Some insurers also offer discounts and coverages to keep your premiums affordable.

Cheapest Car Insurance in Murfreesboro for Teens and Their Families

The cheapest car insurance companies for teens on a family policy in Murfreesboro are:

Nationwide: approximately $1,214 per year for girls and $1,375 per year for boys
State Farm: approximately $1,560 per year for girls
Allstate: approximately $1,795 per year for boys

The most expensive company is Progressive, which costs around $2,686 per year for girls and $2,924 per year for boys. Insurers perceive teenage boys are higher-risk clients than teenage girls, so boys have more expensive premiums than girls. For example, car insurance from Nationwide costs $161 more for boys. This difference declines in adulthood.

Age

Gender

Company	Family Plan Annual Premium	Individual Plan Monthly Premium
State Farm	$808	$1,664
Nationwide	$843	$1,515
Nationwide	$849	$1,621
Nationwide	$889	$2,112
State Farm	$905	$1,865
Farmers	$918	$1,679
Nationwide	$933	$1,676
State Farm	$935	$1,890
Nationwide	$937	$2,437
State Farm	$954	$2,285
Nationwide	$967	$1,995
Nationwide	$982	$1,764
Farmers	$984	$1,874
Nationwide	$985	$1,881
State Farm	$994	$2,047
State Farm	$1,018	$2,484
Nationwide	$1,018	$2,280
Auto-Owners Insurance Co	$1,027	$2,847
Auto-Owners Insurance Co	$1,038	$2,791
Nationwide	$1,043	$1,992
State Farm	$1,063	$2,149
Travelers	$1,067	$1,796
Auto-Owners Insurance Co	$1,090	$2,931
Allstate	$1,098	$1,541
Allstate	$1,125	$1,554
State Farm	$1,128	$2,706
Auto-Owners Insurance Co	$1,129	$3,129
Auto-Owners Insurance Co	$1,133	$3,362
Nationwide	$1,135	$3,821
Nationwide	$1,142	$3,266
Travelers	$1,152	$1,880
Auto-Owners Insurance Co	$1,154	$3,101
Allstate	$1,161	$2,069
Nationwide	$1,165	$2,770
State Farm	$1,174	$2,865
State Farm	$1,174	$3,249
State Farm	$1,177	$2,380
Allstate	$1,187	$1,667
Auto-Owners Insurance Co	$1,190	$3,814
Travelers	$1,193	$2,008
Travelers	$1,203	$2,213
Nationwide	$1,214	$4,223
Auto-Owners Insurance Co	$1,225	$4,221
Auto-Owners Insurance Co	$1,229	$3,408
Allstate	$1,233	$2,301
Allstate	$1,234	$4,618
Travelers	$1,235	$2,078
Allstate	$1,249	$2,005
Nationwide	$1,254	$4,223
GEICO	$1,254	$1,878
State Farm	$1,261	$3,018
Allstate	$1,281	$1,770
Nationwide	$1,281	$4,870
GEICO	$1,282	$1,938
Auto-Owners Insurance Co	$1,283	$3,579
Allstate	$1,283	$1,802
Nationwide	$1,287	$4,205
GEICO	$1,295	$1,938
Farmers	$1,302	$1,442
GEICO	$1,306	$1,974
Nationwide	$1,308	$3,402
GEICO	$1,310	$2,734
Travelers	$1,311	$2,141
Farmers	$1,324	$1,466
Allstate	$1,327	$2,085
Farmers	$1,333	$1,475
Travelers	$1,342	$2,401
Farmers	$1,349	$1,590
Travelers	$1,352	$2,514
GEICO	$1,354	$2,915
State Farm	$1,354	$3,737
Allstate	$1,358	$2,419
GEICO	$1,367	$2,046
Allstate	$1,370	$2,835
Farmers	$1,371	$1,562
Nationwide	$1,375	$5,404
GEICO	$1,385	$2,435
GEICO	$1,392	$2,105
Allstate	$1,393	$1,925
Farmers	$1,397	$1,592
Travelers	$1,404	$2,293
Allstate	$1,411	$5,234
Farmers	$1,415	$6,052
Auto-Owners Insurance Co	$1,416	$4,878
Farmers	$1,420	$1,618
Nationwide	$1,422	$5,404
Farmers	$1,422	$3,224
Auto-Owners Insurance Co	$1,424	$5,616
Auto-Owners Insurance Co	$1,424	$3,973
GEICO	$1,426	$2,607
Auto-Owners Insurance Co	$1,430	$4,413
Farmers	$1,436	$1,776
State Farm	$1,485	$4,088
State Farm	$1,487	$3,559
Farmers	$1,487	$3,471
Allstate	$1,492	$3,144
Farmers	$1,494	$6,557
State Farm	$1,553	$4,284
Allstate	$1,557	$2,905
Travelers	$1,559	$2,789
State Farm	$1,560	$4,894
Travelers	$1,566	$2,801
Travelers	$1,569	$3,216
Farmers	$1,585	$2,898
GEICO	$1,632	$3,958
Progressive	$1,638	$2,524
Farmers	$1,645	$7,037
Farmers	$1,655	$3,152
Allstate	$1,666	$6,234
GEICO	$1,689	$3,526
Allstate	$1,702	$8,258
Progressive	$1,712	$2,642
GEICO	$1,715	$4,319
State Farm	$1,728	$4,693
Farmers	$1,745	$7,657
Travelers	$1,765	$4,047
GEICO	$1,785	$3,844
GEICO	$1,789	$4,847
Allstate	$1,795	$7,927
Farmers	$1,814	$10,198
Progressive	$1,821	$2,807
Travelers	$1,830	$3,274
Allstate	$1,837	$6,816
Travelers	$1,844	$3,833
Progressive	$1,852	$3,806
Progressive	$1,875	$3,231
Farmers	$1,923	$11,106
Progressive	$1,933	$2,983
GEICO	$1,934	$5,314
Progressive	$1,947	$3,001
State Farm	$1,979	$5,375
State Farm	$1,989	$6,138
Progressive	$2,044	$3,684
GEICO	$2,071	$5,612
Progressive	$2,128	$4,483
Progressive	$2,144	$3,308
Travelers	$2,145	$4,913
Travelers	$2,159	$4,951
GEICO	$2,186	$7,307
Travelers	$2,236	$6,383
GEICO	$2,272	$6,243
Auto-Owners Insurance Co	$2,349	$6,376
GEICO	$2,351	$7,824
Auto-Owners Insurance Co	$2,363	$8,345
Progressive	$2,414	$5,937
Progressive	$2,499	$5,134
Progressive	$2,524	$12,365
Auto-Owners Insurance Co	$2,559	$7,468
Auto-Owners Insurance Co	$2,576	$6,990
Auto-Owners Insurance Co	$2,637	$10,277
Auto-Owners Insurance Co	$2,638	$9,316
Travelers	$2,680	$6,141
Progressive	$2,686	$12,700
Progressive	$2,759	$6,955
Travelers	$2,788	$8,106
Progressive	$2,798	$14,098
Progressive	$2,847	$5,999
Progressive	$2,924	$14,110
Progressive	$2,943	$14,420
Progressive	$3,175	$15,997

Individual car insurance policies are much more expensive than being covered by your family policy. Car insurance for a 16-year-old teenage boy can cost $2,891 more if they get their own policy instead of being on a family policy. This demonstrates that adding them to a family policy may be the best way to find the cheapest car insurance for teenagers.

Cheapest Car Insurance in Murfreesboro for Military Drivers

The cheapest car insurance for military members in Murfreesboro include:

USAA: approximately $549 per year
State Farm: approximately $576 per year

On average, the most affordable options for minimum coverage policies are USAA ($217 per year) and Auto-Owners Insurance Co ($230 per year). USAA is consistently the cheapest option because its services are specifically made for active duty members, veterans and their eligible family members.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
USAA	$217	$18
USAA	$219	$18
State Farm	$222	$18
Auto-Owners Insurance Co	$230	$19
Auto-Owners Insurance Co	$231	$19
State Farm	$236	$20
Erie	$277	$23
Erie	$278	$23
USAA	$280	$23
Tennessee Farm Bureau	$285	$24
State Farm	$287	$24
Tennessee Farm Bureau	$298	$25
Cincinnati Insurance	$312	$26
Chubb	$328	$27
Grange Insurance	$330	$27
Westfield	$330	$28
Auto-Owners Insurance Co	$331	$28
Grange Insurance	$333	$28
Farmers	$353	$29
Chubb	$355	$30
Westfield	$364	$30
Cincinnati Insurance	$366	$31
Grange Insurance	$367	$31
Farmers	$369	$31
Erie	$372	$31
GEICO	$382	$32
Westfield	$389	$32
Tennessee Farm Bureau	$400	$33
GEICO	$419	$35
Travelers	$423	$35
Farmers	$434	$36
American National P&C	$440	$37
Progressive	$450	$37
Cincinnati Insurance	$456	$38
Travelers	$467	$39
Nationwide	$468	$39
Travelers	$471	$39
Nationwide	$479	$40
GEICO	$482	$40
Progressive	$482	$40
American National P&C	$506	$42
USAA	$527	$44
State Farm	$528	$44
American National P&C	$528	$44
Allstate	$534	$44
Nationwide	$536	$45
Allstate	$539	$45
USAA	$549	$46
Auto-Owners Insurance Co	$569	$47
Allstate	$573	$48
State Farm	$576	$48
Chubb	$582	$49
Auto-Owners Insurance Co	$599	$50
Progressive	$600	$50
Erie	$688	$57
Erie	$694	$58
USAA	$701	$58
Farmers	$716	$60
Nationwide	$722	$60
Cincinnati Insurance	$733	$61
State Farm	$741	$62
Grange Insurance	$753	$63
Tennessee Farm Bureau	$758	$63
Farmers	$769	$64
Westfield	$771	$64
Westfield	$776	$65
Nationwide	$781	$65
Chubb	$807	$67
GEICO	$819	$68
Grange Insurance	$827	$69
GEICO	$839	$70
Auto-Owners Insurance Co	$862	$72
Tennessee Farm Bureau	$866	$72
Allstate	$883	$74
Travelers	$900	$75
Travelers	$901	$75
Cincinnati Insurance	$906	$76
Chubb	$907	$76
Nationwide	$918	$77
Grange Insurance	$919	$77
Farmers	$920	$77
Erie	$926	$77
Allstate	$935	$78
Allstate	$949	$79
Westfield	$984	$82
Travelers	$1,055	$88
GEICO	$1,069	$89
Progressive	$1,082	$90
American National P&C	$1,130	$94
Cincinnati Insurance	$1,139	$95
American National P&C	$1,144	$95
Progressive	$1,193	$99
Tennessee Farm Bureau	$1,195	$100
Chubb	$1,317	$110
American National P&C	$1,452	$121
Progressive	$1,539	$128

How to Compare Cheap Murfreesboro Car Insurance Quotes Online

Getting a car insurance quote online in Murfreesboro, Tennessee, may take 15 minutes or more. Insurers will ask for a lot of personal information to determine your rates.

If you want to simplify the process, you can use MoneyGeek’s car insurance calculator. Our calculator can help you get a ballpark estimate. It will only request your age, vehicle type, coverage level and driving record.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

State

Tennessee

Gender

Female

Age

30-65

Driving Record

Clean

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click an insurer below to visit their review page or continue to your personalized quote.

CompanyAverage Annual Rates

1.USAA

$336

2.GEICO

$389

3.State Farm

$396

4.Tennessee Farmers

$398

5.Erie

$429

Best Car Insurance in Murfreesboro: Summary

The best car insurance for you depends on your needs, budget and other factors. In Murfreesboro, Tennessee, the best options are:

Best overall: Auto-Owners Insurance Co (MoneyGeek score 81 out of 100)
Best for service: Chubb (MoneyGeek score 76 out of 100)
Best cheap: Auto-Owners Insurance Co (MoneyGeek score 84 out of 100)

MoneyGeek scores may vary because of changes in weightings. Auto-Owners Insurance Co is also the best car insurance in Tennessee. For military drivers, we recommend USAA, with a MoneyGeek score of 85 out of 100.

Best Overall Car Insurance in Murfreesboro

The best companies for car insurance in Murfreesboro are:

Auto-Owners Insurance Co: MoneyGeek score 81 out of 100 (approximately $599 per year)
Erie: MoneyGeek score 78 out of 100 (approximately $694 per year)

Auto-Owners Insurance Co’s highest scores are for affordability and coverage. It’s one of the cheapest options for car insurance and also offers most of the essential coverages to protect you and your car.

USAA is our top recommendation for military drivers. It received a MoneyGeek score of 85 out of 100, with an average premium of $549 per year.

How was this MoneyGeek score calculated?

pros

Has affordable premiums

Offers most of the essential coverages

Has diminished value coverage and gap insurance

cons

Low rating for claims management

Doesn’t offer new car replacement coverage

COMPANY HIGHLIGHTS

Auto-Owners Insurance Co offers diminished value coverage and gap insurance. Using these coverages, you can be covered for the value of your car and your loan in case of a covered accident.

Diminished value coverage can pay for the difference in your car’s value before and after an accident. This can be useful for you, especially because a car’s value drastically decreases after an accident. Even if your car has a high value, it might not be worth as much if it has been in an accident despite repairs.

In the event that your car is totaled after an accident, gap insurance can compensate you for the difference between the market value of your car and the remaining balance on your loan or lease. If you’re still paying off your car, this can be of great help to you.

Read MoneyGeek's Auto-Owners and American National Auto Insurance Review

Best Car Insurance in Murfreesboro for Customer Service

After excluding cost from our scoring system, we found that the best companies for customer service in Murfreesboro are:

Chubb: MoneyGeek score 76 out of 100 (approximately $907 per year)
Cincinnati Insurance: MoneyGeek score 74 out of 100 (approximately $906 per year)

Chubb received good scores for customer satisfaction and claims management. Aside from providing quality customer service, this company handles claims well, which is helpful when you’re going through a tough time after a covered loss.

Chubb is one of the more expensive companies in this city, which means that you might pay more for quality customer service.

How was this MoneyGeek score calculated?

pros

Received a high score for customer satisfaction

High rating for claims management

Has original equipment manufacturer (OEM) coverage and rental reimbursement

cons

May not have most of the essential coverages

Doesn’t have roadside assistance

Low affordability score

COMPANY HIGHLIGHTS

Chubb can help you with your car’s maintenance through its original equipment manufacturer (OEM) coverage. While your car’s being repaired, Chubb can also provide you with a rental car to help you with transportation.

OEM coverage ensures that your car will not have aftermarket parts during the repairs. This helps with its maintenance and keeps it feeling brand new. This is a good coverage to have if you’re intent on using high-quality and original parts for your vehicle. OEM coverage can pay for the cost of your repairs.

Sometimes, repairs can take days, leaving you without a vehicle in the process. Through its rental reimbursement coverage, Chubb gives you a temporary car by paying for a rental car for up to $15,000 without the daily limit. As long as you don’t exceed this limit, you can rent an SUV or a sedan.

Best Cheap Car Insurance in Murfreesboro

Based on an analysis of affordability and service quality for policies that only meet Tennessee’s minimum coverage requirements, the best companies in Murfreesboro are:

Auto-Owners Insurance Co: MoneyGeek score 84 out of 100 (approximately $230 per year)
Erie: MoneyGeek score 78 out of 100 (approximately $278 per year)

The cheapest minimum coverage policies have the most affordable premiums but also have the least liability coverage. These policies offer no property damage protection. In an accident, they may not be able to significantly help you with the cost of treating an injured person or repairing your vehicle.

How was this MoneyGeek score calculated?

pros

An affordable minimum coverage policy, at around $230 per year

Has bundling, pay-in-full and life bundling discounts

Offers most of the coverages you need

cons

Doesn’t have defensive driving and driver’s education discounts

Received a low rating for claims management

COMPANY HIGHLIGHTS

Auto-Owners Insurance Co is the most affordable insurer in Murfreesboro. Its average premium is $230 per year, and you can receive most of the essential coverages. Your policy can include roadside assistance, rental car reimbursement and gap insurance. This company also has several opportunities to save.

Auto-Owners Insurance Co has all of the most common discounts, such as bundling, good student, multiple car and safe driving discounts. You can bundle your car insurance with other policies, like home insurance. This company can also give you a discount for insuring several cars with it, having good grades in school and being accident-free.

This company has a separate discount for bundling your car insurance policy with a life insurance policy. It can help you earn more savings while staying protected with Auto-Owners Insurance Co policies.

Read MoneyGeek's Auto-Owners and American National Auto Insurance Review

Average Cost of Car Insurance in Murfreesboro

On average, car insurance in Murfreesboro costs $841 per year as of October 2022. This annual rate is $58 cheaper than the average cost of car insurance in Tennessee. Meanwhile, the average cost of car insurance in the U.S. is $424 more expensive than this city’s average rate.

These rates are based on a full coverage policy with $100,000 bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.

About Mark Fitzpatrick

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.

Cheapest and Best Car Insurance Companies in Murfreesboro, TN

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On This Page:

Cheapest Minimum Liability Car Insurance in Murfreesboro

Cheapest Full Coverage Car Insurance in Murfreesboro

Cheapest Car Insurance in Murfreesboro After a Driving Offense

Cheapest Car Insurance in Murfreesboro for Teens and Their Families

Cheapest Car Insurance in Murfreesboro for Military Drivers

How to Compare Cheap Murfreesboro Car Insurance Quotes Online

Best Car Insurance in Murfreesboro: Summary

Best Overall Car Insurance in Murfreesboro

pros

cons

COMPANY HIGHLIGHTS

Best Car Insurance in Murfreesboro for Customer Service

pros

cons

COMPANY HIGHLIGHTS

Best Cheap Car Insurance in Murfreesboro

pros

cons

COMPANY HIGHLIGHTS

Average Cost of Car Insurance in Murfreesboro