Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 13, 2022

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Just What's Essential

  • The cheapest car insurance company in Murfreesboro for teen drivers is Travelers
  • Average car insurance rates in Murfreesboro, TN for senior drivers are $1,740/year
  • The cheapest car insurance company in Murfreesboro after a DUI is State Farm

Average car insurance rates in Murfreesboro, Tennessee are $271 a month. But with a little research you can get a great deal from the top car insurance companies in Murfreesboro, TN. Before you buy Murfreesboro, Tennessee car insurance, make sure your coverage meets or exceeds the Tennessee minimum of 25/50/15.

It may even be helpful to compare Murfreesboro car insurance rates with Jackson car insurance rates, Johnson City car insurance rates, or Clarksville car insurance rates to make sure you’re getting the best Murfreesboro, TN car insurance quotes available.

Need affordable Murfreesboro, TN car insurance? Enter your ZIP code to compare Murfreesboro car insurance quotes from multiple car insurance companies near you.

Murfreesboro, TN Minimum Car Insurance Coverage

Murfreesboro, Tennessee law requires drivers carry a minimum of 25/50/15 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Murfreesboro, Tennessee

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $15,000 minimum

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Murfreesboro, TN Car Insurance Rates by Coverage Level

Some Murfreesboro drivers can get by with the Tennessee minimum coverage of 25/50/15. Other drivers may need more. See how much your Murfreesboro, Tennessee car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Murfreesboro, Tennessee

Insurance Company Low Medium High
Allstate $4,288 $4,447 $4,640
Farmers $3,000 $3,156 $3,353
GEICO $2,879 $3,030 $3,194
Liberty Mutual $5,559 $5,802 $6,040
Nationwide $3,576 $3,482 $3,610
Progressive $3,389 $3,620 $3,840
State Farm $2,530 $2,703 $2,836
Travelers $2,587 $2,751 $2,920
USAA $2,629 $2,708 $2,817

Murfreesboro, TN Car Insurance Rates by Age, Gender, and Marital Status

Murfreesboro, Tennessee car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Murfreesboro, TN car insurance, get quotes from multiple car insurance companies in the Murfreesboro area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Murfreesboro, Tennessee

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,572 $2,469 $2,322 $2,410 $9,728 $10,610 $2,734 $2,821
Farmers $1,715 $1,748 $1,543 $1,687 $6,732 $7,169 $2,315 $2,450
GEICO $1,993 $2,008 $1,832 $1,832 $6,191 $6,288 $2,033 $2,098
Nationwide $2,261 $2,277 $2,026 $2,056 $6,293 $8,108 $2,604 $2,823
Progressive $1,856 $1,750 $1,517 $1,581 $8,265 $9,297 $2,236 $2,429
State Farm $1,612 $1,612 $1,464 $1,464 $5,075 $6,333 $1,826 $2,130
Travelers $1,787 $1,883 $1,620 $1,726 $4,953 $6,142 $1,905 $2,005
USAA $1,528 $1,552 $1,381 $1,379 $5,485 $6,298 $1,998 $2,122

Murfreesboro, TN Car Insurance Rates for Teens

How much is Murfreesboro, Tennessee car insurance for teens? Compare rates from top Murfreesboro car insurance companies below to help find the cheapest teen car insurance in Murfreesboro, TN.

Annual Car Insurance Rates for Teen Drivers in Murfreesboro, Tennessee

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,728 $10,610
Farmers $6,732 $7,169
GEICO $6,191 $6,288
Nationwide $6,293 $8,108
Progressive $8,265 $9,297
State Farm $5,075 $6,333
Travelers $4,953 $6,142
USAA $5,485 $6,298

Murfreesboro, TN Car Insurance Rates for Seniors

Before seniors buy Murfreesboro, Tennessee car insurance, they should make sure to shop around. Some Murfreesboro, TN car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Murfreesboro, Tennessee

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,322 $2,410
Farmers $1,543 $1,687
GEICO $1,832 $1,832
Nationwide $2,026 $2,056
Progressive $1,517 $1,581
State Farm $1,464 $1,464
Travelers $1,620 $1,726
USAA $1,381 $1,379

Murfreesboro, TN Car Insurance Rates by Credit History

How does your credit history affect Murfreesboro, TN car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Murfreesboro, Tennessee

Insurance Company Poor Fair Good
Allstate $5,679 $4,361 $3,334
Farmers $3,777 $2,946 $2,786
GEICO $3,440 $2,949 $2,713
Liberty Mutual $8,295 $5,110 $3,997
Nationwide $4,260 $3,395 $3,014
Progressive $4,068 $3,506 $3,275
State Farm $3,906 $2,343 $1,819
Travelers $3,506 $2,746 $2,006
USAA $3,933 $2,312 $1,909

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Murfreesboro, TN Car Insurance Rates by Driver History

How does a single speeding ticket affect your Murfreesboro, Tennessee car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Murfreesboro.

Annual Murfreesboro, Tennessee Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,734 $4,452 $5,376 $4,271
Farmers $2,712 $3,341 $3,410 $3,216
GEICO $2,215 $2,956 $4,751 $2,215
Liberty Mutual $4,696 $6,791 $6,310 $5,405
Nationwide $3,076 $3,076 $4,624 $3,449
Progressive $3,187 $4,133 $3,394 $3,751
State Farm $2,443 $2,937 $2,690 $2,690
Travelers $2,233 $2,865 $3,167 $2,744
USAA $1,975 $2,965 $3,480 $2,452

Murfreesboro, TN Car Insurance Rates With a DUI

Even a single DUI can increase your Murfreesboro, TN car insurance rates. Compare rates below to see which Murfreesboro car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Murfreesboro, Tennessee

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,376
Farmers $3,410
GEICO $4,751
Liberty Mutual $6,310
Nationwide $4,624
Progressive $3,394
State Farm $2,690
Travelers $3,167
USAA $3,480

Murfreesboro, TN Car Insurance Rates by ZIP Code

Just like Murfreesboro car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Murfreesboro, TN car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Murfreesboro, Tennessee

ZIP Code Average Annual Rates
37127 $3,584
37128 $3,609
37129 $3,580
37130 $3,584
37132 $3,578

Murfreesboro, TN Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Murfreesboro, TN car insurance rates may be. Let’s take a look at average car insurance rates from top Murfreesboro companies based on commute time.

Annual Car Insurance Rates by Commute Length in Murfreesboro, Tennessee

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,458 $4,458
Farmers $3,170 $3,170
GEICO $3,014 $3,055
Liberty Mutual $5,800 $5,800
Nationwide $3,556 $3,556
Progressive $3,616 $3,616
State Farm $2,625 $2,754
Travelers $2,644 $2,861
USAA $2,642 $2,794

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Murfreesboro, TN Cheapest Car Insurance Rates

How do the top Murfreesboro, Tennessee car insurance companies’ average rates stack up against the Murfreesboro average monthly car insurance rates of $271? Take a look and see.

Best Annual Car Insurance Rates by Company in Murfreesboro, Tennessee

Category Insurance Company
Teenagers Travelers
Seniors USAA
Clean Record USAA
With 1 Accident Travelers
With 1 DUI State Farm
With 1 Speeding Violation GEICO

Murfreesboro, TN Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Murfreesboro, Tennessee car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Murfreesboro, Tennessee

Insurance Company Average Annual Rates
Allstate $4,458
Farmers $3,170
GEICO $3,034
Nationwide $3,556
Progressive $3,616
State Farm $2,690
Travelers $2,753
USAA $2,718

Other Factors Affecting Murfreesboro, TN Car Insurance Rates

Before you buy Murfreesboro, Tennessee car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Murfreesboro, TN Commute Time

How does your Murfreesboro, TN commute time compare with the average driver? In Murfreesboro, the average commute is 26.9 minutes.

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Murfreesboro, TN Car Insurance Quotes

Compare Murfreesboro, TN car insurance quotes from multiple companies by entering your ZIP code now.