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Murfreesboro Car Insurance

How much does car insurance cost in Murfreesboro, TN? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Murfreesboro?

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Tennessee has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Murfreesboro typically pay around $84.67 per month compared to the national average of $135.66 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $135.66
Tennessee $84.70
Murfreesboro, Tennessee $84.67

Murfreesboro, TN Best Car Insurance Companies

car insurance in Murfreesboro

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Direct Auto generally has the most affordable car insurance in Murfreesboro coming in around $62.77 per month. Other companies to consider if you live in Murfreesboro is USAA with an average cost of $81.69 per month and Penn National which typically runs around $84.02 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Murfreesboro.

RankCompanyAverage Monthly RateComparison State Average
1 Direct Auto $62.77-25.88%
2 USAA $81.69-3.55%
3 Penn National $84.02-0.80%
4 State Farm $100.5018.65%
5 Auto-Owners Insurance Co $111.6131.78%
6 Direct General Insurance $115.0135.79%
7 Grange Mutual $122.2044.28%
8 Erie $125.6548.35%
9 Travelers $125.7948.51%
10 Chubb $126.8149.72%

How Much is Car Insurance in Murfreesboro, TN?

how much is auto insurance in Murfreesboro

Rates can vary from city to city. The residents of Chattanooga typically pay $75.43 per month while people who live in Knoxville will pay $76.94 per month on average. See what people pay for car insurance in other cities in Tennessee.

Tennessee CitiesMonthly Average Rate
Chattanooga $75.43
Knoxville $76.94
Memphis $111.41
Murfreesboro $84.29
Nashville $88.16

Cheap Car Insurance in Murfreesboro by Zip Codes

find cheap auto insurance in Murfreesboro

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Tennessee. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Murfreesboro, TN ZIP CodeAverage Monthly Rate
37127$82.25
37128$91.87
37129$80.62
37130$81.96
37133$32.69

Car Insurance Rates by Driver's Age Group in Murfreesboro

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $176.16 per month in Murfreesboro. Compare that to drivers in their 30’s who typically pay around $61.59 per month drivers in their 40s at $58.84 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$176.16
20s$101.25
30s$61.59
40s$58.84
50s$49.11
60s$55.12
70+$78.49

Cheapest Insurance for Teenage Drivers in Murfreesboro

If you are teen in Murfreesboro you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Penn National typically charges around $165.07 per month. This is likely the most affordable option in Murfreesboro. You might also want to consider USAA and Direct Auto who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
Penn National$165.07
USAA$165.69
Direct Auto$165.87
Grange Mutual$204.92
State Farm$219.56

Cheapest Insurance for 20 Year-olds in Murfreesboro

20 year-olds in Murfreesboro might want to consider Direct Auto who, on average, offers car insurance rates around $73.74 per month. USAA, Penn National , State Farm and Auto-Owners Insurance Co are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
Direct Auto$73.74
USAA$97.93
Penn National$108.72
State Farm$127.15
Auto-Owners Insurance Co$132.35

Cheapest Insurance for 30 Year-olds in Murfreesboro

If you are in your 30s in Murfreesboro our research has found that Direct Auto typically has the most affordable coverage coming in around $43.24 per month, followed by Penn National at $65.04 and USAA at $68.46.

CompanyAverage Monthly Rate
Direct Auto$43.24
Penn National$65.04
USAA$68.46
Travelers$82.05
State Farm$83.19

Cheapest Insurance for 40 Year-olds in Murfreesboro

On average, Direct Auto offers car insurance for 40 year-olds in Murfreesboro for around $40.61 per month. If you are looking for affordable coverage, you may also want to consider Penn National or USAA. The full list of top companies is below.

CompanyAverage Monthly Rate
Direct Auto$40.61
Penn National$58.63
USAA$66.48
SAFECO$67.92
State Farm$75.84

Cheapest Insurance for 50 Year-olds in Murfreesboro

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Murfreesboro we found that Direct Auto generally offers the most affordable coverage at $33.65 per month.

CompanyAverage Monthly Rate
Direct Auto$33.65
Penn National$52.25
USAA$54.59
Auto-Owners Insurance Co$55.50
State Farm$64.25

Cheapest Insurance for 60 Year-olds in Murfreesboro

If you live in Murfreesboro and you’re in your 60s, our data indicates that Direct Auto usually has the best rates at $37.63 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
Direct Auto$37.63
SAFECO$46.34
USAA$54.05
Penn National$58.63
Direct General Insurance$59.56

Driver's Coverage Auto Insurance Rates in Murfreesboro, TN

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Murfreesboro, the average monthly rate for a driver who is currently insured is $89.93 while drivers who are not currently covered will pay around $81.54.

CoverageAverage Monthly Rate
Not Currently Insured $81.54
Currently Insured $89.93

Compare Recent Car Insurance Quotes in Murfreesboro

auto insurance quotes in Murfreesboro city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Murfreesboro a driver of a 2014 Honda Civic can expect to pay around $38.72 per month while someone that owns a 2007 Nissan Altima may pay around $44.25 per month. Check out the list of recent quotes in Murfreesboro below.

VehicleAverage Monthly Rate
2014 Honda Civic$38.72
2007 Nissan Altima$44.25
2011 Nissan Rogue$60.84
2009 Nissan Maxima$37.96
2012 Dodge Journey$34.44
2018 Nissan Altima$52.17
2010 Hyundai Elantra$95.75
2005 Toyota Highlander$51.80
2016 Mercedes-Benz Cla$34.70
2011 Jeep Compass$47.27

FAQ's for Drivers in Murfreesboro, TN

driver’s frequently asked question in Murfreesboro

What Is the Minimum Liability Coverage Requirement in Murfreesboro, TN?

Every state requires drivers to have a minimum amount of liability coverage. Tennessee drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.

  • $25,000; Bodily injury coverage per person; Maximum payment for serious or permanent injury or death to a single person
  • $50,000; Bodily injury coverage per accident; Maximum payment for serious or permanent injury or death to multiple people
  • $15,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

The state requires drivers to carry a minimum of $25,000 of bodily injury liability per person and $50,000 per accident. You’re also required to have $15,000 of property damage liability insurance. These coverages protect you if you’re found at-fault in an accident.

Tennessee is a “fault” state, which means the at-fault driver in a car accident is responsible for paying for damages. This means you should carry as much liability insurance as you can afford to protect yourself should you be found at-fault in an accident.

What Is the Blood Alcohol Concentration (BAC) limit in Murfreesboro, TN?

It’s illegal to operate a vehicle in Tennessee with the following BAC percentages:

.08%+ for 21 years old or older

.04%+ for commercial vehicle drivers

.02%+ for under 21 years old

Tennessee has a no-tolerance policy regarding underage drinking and driving. If you’re under the age of 21 and register 0.02% or higher BAC, regardless of impairment, you can be convicted of a DUI and have your license revoked for 1 year, plus be fined up to $250 and sentenced to community service.

What are the consequences of being convicted of a DUI?

Many variables affect punishment in the event of a DUI conviction, such as how many prior offenses you have, whether you’ve injured or killed someone, whether you had a minor in the vehicle while driving under the influence, and whether your BAC is at 0.20% or higher.

Even without any of these other circumstances, first-time offenders receive stiff penalties in Tennessee. They face mandatory jail time of at least 48 hours and up to 1 year, license revocation for 1 year, $350 to $1,500 in fines, mandatory participation in a drug and alcohol treatment program, up to several thousand dollars in related fees, and possible installation of an ignition interlock device at their own expense (which can run to $1,000 in a year).

For more comprehensive explanations of DUI penalties, including mitigating circumstances and for repeat offenders, visit the Tennessee Department of Safety and Homeland Security website.

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Commute Time in Murfreesboro, TN

25.7 Miles
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Commute Time in United States

26.4 Miles
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Number of Nearest Insurance Agents in Murfreesboro, TN

316

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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