Cheapest Auto Insurance in Murfreesboro, Tennessee (2025)

If you’re looking for car insurance in Murfreesboro, the bad news is the city is one of the more expensive areas for coverage in Tennessee. Murfreesboro is one of the state’s more urban areas, and factors like higher rates of vehicle crime and accidents likely contribute to the city's higher insurance costs.1

The overall average monthly cost of car insurance in Murfreesboro is $112, according to Insurify data. By comparison, the Tennessee state average is $102 per month.

We’ll take a look at what causes rates to climb or decrease so you can see how you can get the most affordable coverage in Murfreesboro by comparing car insurance quotes from multiple companies. 

3 of the cheapest car insurance companies in Murfreesboro

The price you pay for insurance will depend on several individual rating factors, such as your driving history, age, ZIP code, marital status, and more. That’s why it’s always best to gather at least three quotes, so you can find the cheapest price for your individual situation.

As you begin your search, keep the following insurers in mind:

Best insurer for low rates: State Farm

Best insurer for military members: USAA

Best insurer for area alumni: GEICO

How to get the cheapest car insurance in Murfreesboro

Each insurer has its own underwriting formula for determining rates, and there’s not much you can do to change some of the factors that go into that calculation, such as your age, gender, marital status, and where you live.

However, many more factors are under your control, and you can follow these strategies to get even cheaper rates on your car insurance:

• Look for specific discounts relevant to you, such as buying home insurance or life insurance with the same company.

• Use telematics devices that offer cheaper rates and coach you toward safer driving skills.

• Choose a higher collision or comprehensive deductible to lower your premium. Just make sure you have enough tucked away in an emergency fund in case you ever need to file a claim.

• Check your credit report and your credit score for errors and look for ways you can improve your credit standing. This can also help you pay less for loans and credit in general.

• Try to drive less, and consider mileage-based insurance if you’re a really low-mileage driver.

Cheapest liability-only car insurance in Murfreesboro: Mile Auto

Liability-only coverage helps pay for any damage or injuries suffered by the other party in an accident you cause. However, it’s important to remember that liability coverage doesn’t protect you, your car, or your passengers.

Many drivers choose liability-only coverage because it’s the cheapest option, and the price can vary with different insurers. The average rate for liability coverage in Murfreesboro is $78, and you can see how rates vary from top insurers below.

Cheapest full-coverage car insurance in Murfreesboro: Mile Auto

If you’re looking to protect yourself and your vehicle against damage, you’ll want to opt for a full-coverage policy instead. Your lender or leasing company may require this type of policy if you’re financing or leasing your car. Full-coverage insurance typically includes comprehensive and collision insurance, which pays to restore or replace your vehicle if it’s damaged in an accident or through non-collision causes.

Full coverage is more expensive because of its extended protections, and the average rate in Murfreesboro is $146 per month. Here’s a collection of quotes from top insurers.

Car insurance requirements in Tennessee

Tennessee is an at-fault — or tort liability — state. If you’re injured in a car accident, you may be able to sue the other party, and vice versa.

To make sure you’re able to pay for any potential losses you cause, Tennessee auto insurance laws require you to purchase a minimum amount of liability insurance as follows:

Tennessee doesn’t require you to purchase any other coverage options beyond this amount. However, if you’re interested in coverage that extends beyond the required minimum, you may want to consider:

Cheapest car insurance for drivers with an incident

Your driving history is one of the most important factors insurers use to determine your car insurance premium. Any past incidents — such as speeding tickets, at-fault accidents, or convictions for driving under the influence (DUI) — can make your insurance cost a lot more for several years. In the sections that follow, you’ll see how individual incident types affect your car insurance rates in Murfreesboro.

Cheapest car insurance for drivers with a speeding ticket: Mile Auto

Everyone speeds at some point in time, but that doesn’t mean it isn’t dangerous. In 2023, speed was a factor in 17% of all Murfreesboro crashes that resulted in fatalities or serious injuries, according to state data. That’s why insurers raise your rates if you’re caught speeding: You’re statistically more likely to cause a fatal accident.

You can expect to pay an average rate of $191 for full coverage with a speeding ticket on your record. However, some insurers will offer coverage below that rate, and you can see a breakdown here of liability rates for Murfreesboro drivers with speeding tickets.

Cheapest car insurance for drivers with an at-fault accident: Mile Auto

If police have determined that you were responsible for an accident, you can expect your auto insurance rates to go up for three to five years. The average rate for full-coverage insurance with an accident on your record is $195.

The table below shows the cheapest liability insurance quotes for Murfreesboro drivers with an at-fault accident on their driving record, according to Insurify data.

Cheapest car insurance for drivers with a DUI: Mile Auto

A DUI conviction is a very serious offense, and your rates will surely climb if you have one on record. In some cases, insurers may cancel your policy mid-term or deny you coverage altogether. In Tennessee, a DUI stays on your motor vehicle record permanently. About 1 out of every 4 drivers with a DUI conviction will do it again, according to the National Highway Traffic Safety Administration.8 In Tennessee, about 1 out of every 3 fatal crashes involves a drunk driver.9

The average cost of full-coverage car insurance in Murfreesboro for drivers with a DUI conviction is $188. This table shows the liability-only rates Murfreesboro drivers with DUIs can expect to pay from insurers in the area.

Cheapest car insurance for seniors: Mile Auto

Middle-aged drivers typically pay less for car insurance because they have a lot of experience in navigating Tennessee roadways safely. Most insurers begin to lower rates for drivers once they reach age 25. But around age 70, rates start to increase slightly because research shows drivers may be more likely to get into an accident as they age.10

The average monthly cost of car insurance for seniors in Murfreesboro is $93, and you can see a collection of rates offered by area insurers here.

Cheapest car insurance for teens: Mile Auto

As any parent knows, most insurers charge much higher rates for teen drivers, who are more likely to get into an accident due to a combination of inexperience and unsafe driving habits. The same is true in Murfreesboro, where the average monthly rate for teen drivers is $229.

Luckily, teen drivers have a lot of ways to save money. Many insurers charge lower premiums if teens stay on their parents’ policies instead of buying a solo policy. Minor teens can't legally buy their own policies without the written consent of a parent or guardian.

Insurers also commonly offer discounts for things like getting good grades or leaving your car at home with family while you’re away at college. Buying a car with higher safety ratings can also help. 

Here’s the average cost of the cheapest options for car insurance for teens in Murfreesboro.

Murfreesboro car insurance quotes by credit tier

The state of Tennessee allows insurers to consider your credit history when setting your car insurance rates. If you have good or excellent credit, you can expect to pay a lot less for car insurance compared to a driver with a poor credit.

This chart shows how much Murfreesboro drivers with different credit scores pay, on average, according to Insurify data.

Is car insurance more expensive in Murfreesboro?

Murfreesboro drivers generally pay more for auto insurance compared to the rest of the state but less than the national average. Murfreesboro residents pay $146 per month for a full-coverage insurance policy, compared to $134 for the statewide average and $172 for the nationwide average.

Murfreesboro is within a relatively urban area in the greater Nashville metro region. Most insurers charge urban residents higher rates due to associated increases in accidents, auto theft, and more.

More cities in Tennessee

Murfreesboro residents pay higher costs than people living in most other cities in Tennessee. Here, you can see how the rates residents pay in other cities match up against Murfreesboro.

Murfreesboro car insurance FAQs