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 and Best Car Insurance in Murfreesboro, TN
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.
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.
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.
Compare minimum and full coverage policies.
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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.
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.
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.
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.
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?
Has affordable premiums
Offers most of the essential coverages
Has diminished value coverage and gap insurance
Low rating for claims management
Doesn’t offer new car replacement coverage
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.
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?
Received a high score for customer satisfaction
High rating for claims management
Has original equipment manufacturer (OEM) coverage and rental reimbursement
May not have most of the essential coverages
Doesn’t have roadside assistance
Low affordability score
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?
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
Doesn’t have defensive driving and driver’s education discounts
Received a low rating for claims management
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.
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