The best car insurance companies in Murfreesboro balance quality service with affordability. MoneyGeek compared policies with varying coverage amounts for drivers with different driving histories to help you find suitable rates. Drivers in Murfreesboro pay, on average, $804 per year for auto insurance, which is 21% lower than Tennessee’s average. The cheapest policy from a widely available insurer comes from GEICO, costing an average of $634 per year.
bestauto insuranceMurfreesboro2021The Cheapest and Best Car Insurance in Murfreesboro
Cheapest Overall - GEICO
Best Overall - Erie
Cheapest State Minimum - USAA
Cheapest With a Driving Violation - State Farm
The Cheapest Car Insurance Companies in Murfreesboro
If you’re looking for affordable rates, the best car insurance companies in Murfreesboro offering cheap full coverage policies are:
- USAA: $545 per year (available only to military members, veterans and their families)
- GEICO: $634 per year
Car insurance providers in Murfreesboro offer varying rates, which means you can save up to $403 each year if you take the time to compare quotes. Farmers offers a policy with similar coverage for an average annual rate of $948, 73.9% more expensive than USAA. It’s also 49.5% higher than coverage from GEICO, a widely available insurer.
These Murfreesboro rates are for a full coverage policy for a 40-year-old male driver, including liability insurance to cover third-party expenses and collision and comprehensive insurance to cover the driver’s own costs.
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- CompanyAmountper year
- 1.$545
- 2.$634
- 3.$649
- 4.$667
- 5.$690
Average Cost of Car Insurance in Murfreesboro
Murfreesboro$804
Tennessee$1,018
U.S.$1,424
Drivers in Murfreesboro pay a lower annual premium for car insurance than both the state and national averages. Compared to the state’s annual average rate, which is $1,018, the average cost of car insurance in Murfreesboro is $804 a year. With a difference of $214, that’s 21% lower. Compared to the rest of the country, Murfreesboro’s average is 43.5% lower than the national average of $1,424 per year.
The Best Car Insurance Companies in Murfreesboro
The best car insurance companies in Murfreesboro provide high-quality service while offering affordable rates. After evaluating several carriers, those ranked highest are:
- Erie Insurance: MoneyGeek score of 92.5 out of 100
- Auto-Owners Insurance: MoneyGeek score of 90 out of 100
USAA actually ranked highest, but only military personnel and their families can purchase its policies. To determine the rankings, MoneyGeek compared carriers using several parameters, including customer experience from J.D. Power surveys, affordability and financial strength.
1
USAA
Score:95
2
Erie
Score:93
3
Auto-Owners Insurance Co
Score:90
4
GEICO
Score:85
5
State Farm
Score:83
6
Nationwide
Score:80
7
Travelers
Score:80
8
MetLife
Score:80
9
Safeco
Score:78
10
Progressive
Score:78
11
Allstate
Score:75
12
Liberty Mutual
Score:75
13
National General
Score:73
Personalized Quotes to Get You the Cheapest Car Insurance in Murfreesboro
You can save on policy premiums with rebates or discounts, which is why you should compare quotes from different carriers. Rates vary based on factors like your age, gender, marital status, credit history and postal code, so it’s a good idea to get personalized car insurance quotes in Murfreesboro regularly.
Shopping around for car insurance in Murfreesboro could save you $170, which is enough to buy:
57Cups of Coffee
13Months of Your Favorite Streaming Service
Cheapest Car Insurance in Murfreesboro by Coverage Amount
Insurers use a variety of factors when computing car insurance rates in Murfreesboro. The amount of coverage you want to purchase has the most impact on your premium. For example, a policy that only meets the minimum insurance requirements of Tennessee costs an average of $380 per year. If you increase your coverage limits to 100/300/100 with comprehensive and collision coverage, the premium becomes roughly $804 annually — that’s an average difference of $424.
Tennessee Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$25,000 per person, $50,000 per accident and $15,000 for property damage. A more protective level is 100/300/100.
A liability-only policy is a cheap car insurance option in Murfreesboro, but it doesn’t have the best protection. Progressive offers liability-only policies with 50/100/50 coverage for $358 yearly on average. This means you’re protected from costs of damages up to $100,000 for all persons injured in a covered accident, with a $50,000 limit per person. It also covers costs from property damage up to $50,000. If you can afford an extra $219, you can purchase a full coverage policy with the same limits. For $577 per year, you not only get liability coverage but protection for your vehicle as well.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
Liability Only
- CompanyState Minimumper year50 / 100 / 50per year
- 1.$285$307
- 2.$298$358
- 3.$309$353
- 4.$292$351
- 5.$322$373
Full Coverage
- Company50 / 100 / 50per year100 / 300 / 100per year
- 1.$515$545
- 2.$577$649
- 3.$592$634
- 4.$615$667
- 5.$650$690
Cheapest Car Insurance in Murfreesboro if You Have Driving Violations
The cheapest car insurance policy in Murfreesboro is for drivers with clean records. Driving violations will increase your rates. A GEICO policyholder with no violations in this city pays an average of $634 per year, but a speeding ticket adds $87. Meanwhile, an at-fault accident adds around $369, while a DUI adds an average of $488.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
- 1.$728$789$728
- 2.$644$774$994
- 3.$843$1,055$702
- 4.$711$880$1,049
- 5.$721$1,003$1,122
Average Cost of Car Insurance by Postal Code
You can use ZIP codes to compare insurance rates in different areas in Tennessee because prices vary depending on your location. Your postal code allows insurers to determine your neighborhood’s level of risk. If car accidents or auto thefts are common in your area, you will likely pay higher rates. However, the difference in the average rate of car insurance between ZIP codes in Murfreesboro is insubstantial. Drivers with a 37129 postal code pay about $801 per year for car insurance, while those in the 37130 ZIP pay $6 more on average
- Zip CodeState Minimumper year
- 37129$801
- 37130$807
Insurance Providers That Serve Murfreesboro
Factors That Impact Insurance Costs in Murfreesboro
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Murfreesboro. How Murfreesboro ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Methodology and Assumptions
MoneyGeek’s average premium rates for Murfreesboro are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
About the Author
sources
- Kaiser Family Foundation. "2019 Employer Health Benefits Survey." Accessed January 16, 2020.