Murfreesboro, TN Car Insurance

How much does auto insurance cost in Murfreesboro?


The typical Murfreesboro driver pays $1,485 per year for car insurance. That's less expensive than the statewide average in Tennessee ($1,570) and less expensive than the national average of $1,548. Our guide to Murfreesboro car insurance includes average rates based on age, credit score, driving history, and marital status. Keep reading to learn more!


AUTO INSURANCE: MURFREESBORO RATES VS. STATE + NATIONAL AVERAGES
Murfreesboro Average (annual)Tennessee AverageNational Average
$1,485$1,570$1,548

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Murfreesboro auto insurance rates by company


The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the provider from which you receive the most affordable quote. For a typical driver, GEICO offers Murfreesboro's most affordable premiums. We've listed the best cheap car insurance companies in Murfreesboro below. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.


MURFREESBORO AUTO INSURANCE PREMIUMS BY COMPANY
CompanyAverage Annual Rate
GEICO$820
USAA$942
State Farm$1,013
Erie$1,140
Tennessee Farmers$1,300

Check out our guide to learn how to find the best cheap car insurance.



Auto insurance premiums by age in Murfreesboro

Murfreesboro drivers in their age_50s pay relatively affordable car insurance rates just $1,220each year, on average. Rates for Murfreesboro drivers in their age_60s are also relatively affordable, at just $1,242 per year.

Teen drivers pay Murfreesboro's most expensive auto insurance rates. One of the most effective ways to lower your car insurance rates as a driver in Murfreesboro is to age out of your teens. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Murfreesboro is $3,899. That's the biggest gap in premiums between any pair of age brackets.


CAR INSURANCE RATES BY AGE TIER IN MURFREESBORO
AgeAverage Annual Rate
Teenagers$5,914
20s$2,015
30s$1,443
40s$1,294
50s$1,220
60s$1,242
70s$1,504

Learn more about the impact of age on auto insurance rates.



Murfreesboro car insurance premiums by gender and marital status


In some cases, a driver's marital status and gender may affect their car insurance rates. Married drivers in Murfreesboro pay $115 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single. In Murfreesboro, insurance rates for those who are widowed are less expensive than rates for those who are single.

Gender is another factor that can affect car insurance rates. In Murfreesboro, the gap in car insurance costs between genders is $41 per year, with male drivers paying more than female drivers.


MURFREESBORO CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Gender/Marital StatusAverage Yearly Rate
Female$1,444
Male$1,485
Single$1,370
Married$1,370
Divorced$1,489
Widowed$1,445

Learn more about how gender and marital status have on auto insurance rates.



Murfreesboro car insurance costs by citation and accident history


No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates low. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.

Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Murfreesboro, a reckless driving citation results in an average insurance rate increase of $805 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $689 increase and a speeding ticket triggers a $316 rate hike.


MURFREESBORO CAR INSURANCE RATES AFTER A COLLISION OR CITATION
Incident/ViolationAverage Yearly Rate
DUI/DWI$2,174
Reckless Driving$2,289
At-fault Accident (damages less than $1,000)$1,948
At-fault Accident (damages greater than $2,000)$2,105
Speeding Ticket (16-20 mph over speed limit)$1,800

Learn more about citations' impact on your auto insurance rates.



Murfreesboro car insurance rates by credit level


A driver's credit level can be closely correlated with their auto insurance rates. In fact, Murfreesboro drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 63% decrease in car insurance rates. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in pursuit of better car insurance rates. In Murfreesboro, improving your credit to "Fair" corresponds with a $1,342 decrease in annual car insurance rates.


MURFREESBORO CAR INSURANCE RATES BY CREDIT LEVEL
Credit TierAverage Yearly Rate
Very Poor$3,248
Fair$1,906
Good$1,485
Very Good$1,325
Exceptional$1,193

Get additional information on how credit impacts car insurance costs.



Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.