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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.

MoneyGeek Logo IconCheapest + BestCar InsuranceMurfreesboro
2023

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.

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.

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.

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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.

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.

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.

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.

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USAA

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?

Auto-Owners and American National

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?

Chubb

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?

Auto-Owners and American National

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 headshot

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.