The average cost of car insurance in Murfreesboro is $374 annually for minimum coverage and $1,257 for full coverage. This means drivers in Murfreesboro may be able to pay less than the national average of $1,674 annually for full coverage. To find the best cheap coverage, residents should consider multiple carriers and get quotes.
To find the best possible rates with the best car insurance companies in Murfreesboro, Bankrate reviewed a wide range of national and regional carriers to find the best cheap insurance in the area. We considered third-party ratings, such as the J.D. Power survey for overall customer satisfaction in auto insurance and the AM Best financial ratings and other factors such as coverage options, discounts and the digital experience were also examined.
Best car insurance companies in Murfreesboro
Geico, USAA, Nationwide and State Farm all offer competitive rates. But each of these carriers offer other assets for drivers in Murfreesboro too. When looking for the best car insurance companies in Murfreesboro, it is essential to look at points such as third-party ratings, the digital experience, rates and discounts available for each one.
|Insurance company||J.D. Power score
|Average annual premium for minimum coverage||Average annual premium for full coverage|
|Geico||843 / 1,000||$227||$895|
|USAA||890 / 1,000||$325||$1,073|
|Nationwide||831 / 1,000||$344||$1,084|
|State Farm||859 / 1,000||$368||$1,120|
Geico not only has the least expensive rates among the carriers reviewed, but Geico continues to offer a tremendous amount of discounts for drivers. Geico offers the standard discounts, such as bundling a policy or maintaining good grades for students. Other discounts available include affiliation discounts for simply being a member of an approved association or alumni group. You can save even more with Geico by adding multiple cars to the policy or choosing a vehicle with added safety equipment.
USAA earns the highest number of points among the J.D. Power survey for overall customer satisfaction. USAA places a big emphasis on customer service, with multiple ways of contacting the carrier through an app, online or on the phone. Although the rates are already competitive, you can find additional discounts with USAA, including extra savings for each year you remain a customer. USAA serves members of the military and veterans, so many of the coverage options and discounts are tailored to military families.
Nationwide scored the lowest among these carriers on the J.D. Power survey, but the competitive rates and discounts offered make it worth a second look. Nationwide’s generous offering of discounts includes an Easy Pay (if you sign up for automatic drafts from your bank account), accident forgiveness and SmartRide are two options may help you pay less out of pocket over the long run.
State Farm has operated since 1922 and is now the largest provider of auto insurance in the U.S. If you like to have access to your carrier online, through a customer service phone number, a mobile app or a local agent, State Farm could be a great option for you. State Farm is also one of the highest-rated carriers in the Southeast with J.D. Power, further highlighting the emphasis on strong customer service.
Cheapest car insurance in Murfreesboro
The average cost of car insurance in Murfreesboro is $374 annually for minimum coverage and $1,257 for full coverage. On a national level, the average cost of car insurance is $1,674 for full coverage on an annual basis — which places Murfreesboro well below this average. Drivers in Tennessee pay an average of $1,338 across the state, again, making Murfreesboro less expensive.
Bankrate reviewed the carriers with the least expensive rates for drivers in Murfreesboro. Not only do Geico, USAA, Nationwide, State Farm and Travelers offer cheap rates, but each one has multiple advantages. USAA consistently scores the highest among the J.D. Power customer satisfaction ratings, but it is exclusive to members of the military or veterans. State Farm and Nationwide have highly-rated apps and online portals for policy management convenience.
|Insurance company||Average annual premium for minimum coverage||Average annual premium for full coverage|
Murfreesboro insurance requirements
Drivers in Tennessee are legally required to carry 25/50/15 in liability insurance. This includes:
- $25,000 for each injury or death per accident.
- $50,000 for total injuries or deaths per accident.
- $15,000 for property damage per accident.
It may be tempting to purchase the bare minimum to fit within a certain budget, but keep in mind you may be required to purchase well above the minimum. For example, if you lease or finance a vehicle, most lenders require you to purchase the optional comprehensive and collision coverage. If it is a newer vehicle, the lender may also require you to purchase otherwise optional gap insurance.
Car insurance discounts in Murfreesboro
Car insurance in Murfreesboro may be less than the national average, but drivers may still want to take advantage of as many discounts as possible for extra savings. Discounts vary from carrier to carrier, but most offer discounts such as:
- Multi-policy: If you purchase a policy from the same carrier as your homeowners, renters or other insurance product, you should receive a bundling discount.
- Pay in full: If you pay your premiums upfront instead of dividing them into monthly or quarterly payments, you might be eligible for a paid-in-full discount.
- Good student: Most carriers reward good students with a B average or higher with an extra discount. Plus it gives you more of an incentive to keep your grades up each year.
- Safety equipment: If you drive a vehicle with extra safety features such as airbags or anti-lock brakes, you may qualify for a safety equipment discount.
Discounts are a simple way to save on premiums, but it is only one of many options available to you. Comparing quotes from multiple carriers is another way to ensure you are getting the most competitive rate possible for your circumstances. The rates from one carrier to another can vary quite drastically, so it pays to review more than one.
Frequently asked questions
What is the best car insurance company?
There are multiple considerations to choosing the best car insurance company. Bankrate has reviewed third-party ratings, rate information, available discounts and digital assets of several carriers to help you start. Once you have determined providers that may be a good fit for you, consider getting quotes to help you determine your best options.
How much does car insurance in Murfreesboro cost?
The average cost of car insurance in Murfreesboro is $374 annually for minimum coverage and $1,257 for full coverage. Keep in mind your exact rates could be higher or lower than average, depending on a variety of factors. This includes your zip code, credit score, vehicle, miles driven each year and other individual considerations.
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should be used for comparative purposes only. Your quotes may be different.