The best car insurance in Murfreesboro, TN for 2023

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Gianetta PalmerContributing WriterGianetta Palmer is a contributing writer at Policygenius, where she covers life insurance, home insurance, and auto insurance. Her writing has also appeared in TIME, Readers Digest, Healthline, and elsewhere.&Rachael BrennanSenior Editor & Licensed Auto Insurance ExpertRachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Edited by

Anna SwartzAnna SwartzSenior Managing Editor & Auto Insurance ExpertAnna Swartz is a senior managing editor and auto insurance expert at Policygenius, where she oversees our car insurance coverage. Previously, she was a senior staff writer at Mic.com, as well as an associate writer at The Dodo.

Updated|2 min read

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The average cost of a full coverage insurance policy in Murfreesboro is $1,284 per year. That’s $45 cheaper than the statewide average in Tennessee, which is $1,329.

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Rates can vary from company to company, which is why it’s so important to compare costs when you’re shopping for new car insurance. Policygenius can help you see quotes from top companies so you can choose the best option and feel confident you’re not missing out on lower rates.

Key takeaways

  • USAA has the lowest average rates in Murfreesboro at $803 per year for full coverage

  • The ZIP code with the cheapest average rates in Murfreesboro is 37129, with a yearly rate of $1,280

  • The minimum liability car insurance requirements in Tennessee are $25,000 per person/$50,000 per accident in bodily injury liability and $15,000 in property damage liability

Methodology & why you can trust our rates

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: $50,000 per person/$100,000 per accident

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: $50,000 per person/$100,000 per accident

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.

Cheapest car insurance companies in Murfreesboro, TN

Insurance companies all use the same information to determine the cost of car insurance for an individual driver. However, they all have slightly different methods for crunching the numbers, which is why some companies will offer you cheaper rates than others.

Company

Average cost

JD Power Rating

USAA

$803

890

State Farm

$830

882

Auto-Owners Insurance

$932

865

GEICO

$1,061

874

Nationwide

$1,191

868

Cheapest car insurance rates by ZIP code in Murfreesboro, TN

Your location is one of the most important factors for determining your car insurance rates. For example, if you live in a neighborhood with higher crime rates, your rates will be more expensive, while drivers in neighborhoods with plenty of garage parking and low accident rates will pay less.

ZIP code

Average cost

37129

$1,280

37128

$1,281

37130

$1,283

37127

$1,288

37132

$1,290

Choosing the right car insurance company in Murfreesboro, TN

Cost isn’t the only factor to consider when shopping for a car insurance policy. Customer service is important, and a smooth claims process can make things easier in times of crisis. Check ratings for claims satisfactions and whether or not your company offers things like a mobile app for contacting them on-the-go. 

Policygenius can help you research your options and then show you your rates with top companies, so you can be sure you’re making the right choice.

Car insurance rates for drivers with driving violations in Murfreesboro, TN

Besides your location, your driving history is the one of the biggest factors that insurance companies use to set your rates. Speeding tickets, DUIs and accidents can all raise your rates by hundreds of dollars a year.

Violation

USAA

State Farm

Auto-Owners Insurance

GEICO

Nationwide

At-fault accident

$1,225

$998

$1,664

$1,910

$1,931

DUI

$1,617

$920

$2,334

$2,023

$2,387

Suspended license

$1,560

$920

$2,334

$2,838

$2,387

Open container

$1,137

$920

$1,232

$2,023

$1,455

Expired registration

$1,017

$920

$959

$1,222

$1,455

Driving without lights

$1,017

$920

$959

$1,265

$1,455

Running a red light

$1,017

$920

$959

$1,265

$1,455

Following too closely

$1,017

$920

$959

$1,265

$1,455

Hit and run

$1,678

$920

$2,334

$2,337

$2,387

Not-at-fault accident

$856

$843

$959

$1,048

$1,227

Passing a school bus

$1,137

$920

$1,364

$1,265

$1,455

Reckless driving

$1,137

$920

$2,334

$2,337

$2,387

Speeding

$1,017

$920

$3,216

$2,337

$1,455

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Cheapest car insurance for drivers with bad credit in Murfreesboro, TN

Insurance companies use credit scores to establish insurance rates. Too many late payments can cause your credit score to go down, which means your insurance rates could go up. That’s why it’s so important for drivers with poor credit to shop around and compare options before they pick a policy.

Company

Rates for drivers with bad credit

USAA

$1,501

GEICO

$1,602

Tennessee Farmers Mutual Insurance

$1,713

Nationwide

$1,714

Grange Insurance

$1,765

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Buying car insurance in Murfreesboro, TN

All drivers in Tennessee must meet the state’s minimum liability insurance requirements in order to hit the road:

  • Bodily Injury Liability Coverage per person: $25,000

  • Bodily Injury Liability Coverage per accident: $50,000 

  • Property Damage Liability Coverage: $20,000

  • Maintain proof of financial responsibility by posing a bond with the Department of Revenue for $65,000 or making a cash deposit with the Department of Revenue for $65,000

Tennessee is a fault state when it comes to car accidents. This means that the insurance company of the driver at fault in an accident is responsible for paying for the victim’s repairs and hospital bills. The state also uses a modified comparative fault rule, which states if you are less than 50 percent responsible for the accident, you are still entitled to damages.

How to get cheap car insurance in Murfreesboro, TN

Many insurance companies offer customers discounts as a way to save money on their insurance rates. Here are some of the most common:

  • Bundling discount: For combining home, car, or renters insurance policies with the same company

  • Pay in full discount: A discount for paying your entire premium at once instead of in monthly payments

  • Military discount: A discount for active-duty service members and their families

  • Low mileage discount: For drivers who drive fewer than 7,500 miles annually

  • Safe-driver discount: For drivers with no recent accidents or moving violations on their record

Not everyone will qualify for these discounts, so shopping around for insurance is another way to save money.

Frequently asked questions

How much is car insurance per month in Tennessee?

The average cost of car insurance in Tennessee is $111 per month, or $1,329 per year.

Does Tennessee have high car insurance rates?

Car insurance rates in Tennessee are lower than the national average, but drivers can still save money on car insurance by comparing rates between multiple companies.

Is Tennessee an at-fault state or a no-fault state?

Tennessee is an at-fault state, which means the driver who is at fault in an accident is responsible for any costs or expenses related to the accident. If you are at fault in an accident and don't have enough liability coverage, you will be expected to pay any additional costs out-of-pocket.

Is it mandatory to have car insurance in Tennessee?

Drivers in Tennesseee are required by law to have a minimum of $25,000 of bodily injury liability coverage per person, $50,000 per accident, and $20,000 in property damage liability.

Authors

Gianetta Palmer is a contributing writer at Policygenius, where she covers life insurance, home insurance, and auto insurance. Her writing has also appeared in TIME, Readers Digest, Healthline, and elsewhere.

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Editor

Anna Swartz is a senior managing editor and auto insurance expert at Policygenius, where she oversees our car insurance coverage. Previously, she was a senior staff writer at Mic.com, as well as an associate writer at The Dodo.

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