Car insurance rates are cheaper than average in Murfreesboro. If you're paying too much for car insurance, check out our guide and learn how to save.
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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!
|Murfreesboro Average (annual)||Tennessee Average||National Average|
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.
|Company||Average Annual Rate|
Murfreesboro drivers in their 50s pay relatively affordable car insurance rates just $1,220 each year, on average. Rates for Murfreesboro drivers in their 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.
|Age||Average Annual Rate|
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.
|Gender/Marital Status||Average Yearly Rate|
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.
|Incident/Violation||Average Yearly Rate|
|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|
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.
|Credit Tier||Average Yearly Rate|
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.