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.
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.
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 |
Cheapest car insurance for drivers with a DUI in Murfreesboro, TN
Drivers in Murfreesboro pay an average of $1,284 per year for car insurance, but they will pay likely pay significantly higher rates if they get a DUI or DWI. Drivers in Tennessee can expect to pay an average of $2,477 per year if they have a DUI, which is a 93% increase over the average rate in Murfreesboro.
But each car insurance company sets their own rates. Even with a DUI, some companies charge much less for car insurance than others. Our research shows that State Farm, USAA, and GEICO have the lowest rates for drivers with a DUI in Murfreesboro.
Company | Rates for drivers with DUIs |
|---|---|
State Farm | $920 |
USAA | $1,617 |
GEICO | $2,023 |
Auto-Owners Insurance | $2,334 |
Nationwide | $2,387 |
Cheapest car insurance for drivers with a speeding ticket in Murfreesboro, TN
Your insurance rates will also go up if you get a speeding ticket or other moving violation. Drivers in Murfreesboro should expect to pay an average of $1,932 per year for car insurance if they have a speeding ticket on their record.
Speeding tickets can raise your insurance rates, but it is still possible to save money on your car insurance by comparing quotes from multiple companies. We found that State Farm, USAA, and Nationwide offer the lowest rates for drivers with a speeding ticket in Murfreesboro.
Company | Rates for drivers with speeding tickets |
|---|---|
State Farm | $920 |
USAA | $1,017 |
Nationwide | $1,455 |
GEICO | $2,337 |
Auto-Owners Insurance | $3,216 |
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 |
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: $25,000
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.
