The best car insurance in Murfreesboro, TN

Gianetta Palmer

By

Gianetta Palmer

Gianetta Palmer

Freelance contributor

Gianetta Palmer is a freelance writer who lives in the Georgia mountains. Her writing on health and car insurance, has appeared on numerous sites.

Published November 10, 2021

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The average cost of a full coverage insurance policy in Murfreesboro is $1,273 per year. That’s slightly $56 below the Tennessee state average of $1,329. But insurance costs can vary from company to company, which is why it’s so important to compare costs when you’re shopping for new coverage.

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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

  • State Farm has the lowest average rates in Murfreesboro at $734 per year for full coverage

  • The ZIP code with the cheapest average rates in Murfreesboro is 37127, with a yearly rate of $1,276

  • 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

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

State Farm

$734

881

USAA

$803

890

GEICO

$932

871

Auto-Owners Insurance

$986

890

Erie

$1,175

880

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

37127

$1,276

37128

$1,273

37129

$1,269

37130

$1,274

37132

$1,274

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

State Farm

USAA

GEICO

Auto-Owners Insurance

Erie

At-fault Accident

$881

$1,225

$1,674

$2,213

$1,672

DUI

$813

$1,617

$1,755

$3,060

$1,994

Driving with a suspended license

$813

$1,560

$2,454

$3,060

$1,672

Driving with an open container

$813

$1,137

$1,755

$1,666

$1,355

Driving with expired registration

$813

$1,017

$1,073

$1,006

$1,355

Driving without Lights

$813

$1,017

$1,116

$1,006

$1,355

Failure to show documents

$813

$1,017

$1,073

$1,006

$1,355

Failure to stop at a red light

$813

$1,017

$1,116

$1,006

$1,355

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

GEICO

$1,406

USAA

$1,501

Nationwide

$1,706

Tennessee Farmers Mutual Insurance

$1,709

Grange Insurance

$1,781

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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

I’m single and getting married soon, does that cause my insurance rates to go up?

Insurance companies see married couples as more stable and less likely to file accident claims, so your rates could go down once you’re married, but probably not by a lot.

I turned 25, but my insurance rates didn’t go down. Why?

Insurance rates for young drivers typically decrease at age 25, but not always. If you drive an expensive car or have blemishes on your record, your rates might not fall. Drive safely and keep your credit score in good shape to get the best rates possible.

I got arrested for a DUI, does that affect my insurance?

Drunk driving is one of the most serious moving violations. A DUI conviction can increase your rates by thousands of dollars a year.

Methodology

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: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • 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.