Compare the Cheapest Car Insurance Quotes in Murfreesboro

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.

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The Cheapest and Best Car Insurance in Murfreesboro

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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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.

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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

4/5

Affordability

5/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

2
Erie
Score:93

4/5

Affordability

5/5

Claims Ratings

4/5

User Satisfaction

A+

Financial Stability

3
Auto-Owners Insurance Co
Score:90

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

4
GEICO
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

5
State Farm
Score:83

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

6
Nationwide
Score:80

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

7
Travelers
Score:80

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A++

Financial Stability

8
MetLife
Score:80

3/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

9
Safeco
Score:78

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

10
Progressive
Score:78

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

11
Allstate
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

12
Liberty Mutual
Score:75

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

13
National General
Score:73

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A-

Financial Stability

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:


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57Cups of Coffee
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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

  • Item
    Description
  • 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
Full Coverage
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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.

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 Code
    State Minimumper year
  • 37129
    $801
  • 37130
    $807

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.

accident2 icon
Most Accidents With Fatalities110th/300
handcuffs2 icon
Most Car Thefts119th/300
uninsured icon
Most Uninsured Motorists by State5th/50
insurance2 icon
Personal Injury Protection RequiredNo
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Most Annual Rainfall49th/300
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Most Rainy Days67th/300

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.

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About the Author


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The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers includes mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.


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