Murfreesboro Car Insurance

The Zebra
May 30, 2018

Car Insurance in Murfreesboro

Tennessee premiums are known for being low-cost. They are generally 8% less than the national average. Let’s take a look at how to save on car insurance in Murfreesboro.

  • City Average: $1,275
  • State Average: $1,315
  • National Average: $1,427

Murfreesboro Car Insurance by Gender and Marital Status

Car insurance premiums in Murfreesboro vary based on driver traits such as gender and marital status. 2% is the amount by which men's and women's car insurance premiums differ. Individuals who are single spend close to 7% more per year compared to those who are married. Rates for those who are widowed are marginally cheaper than rates for those who are single.

  • Female: $1,253
  • Male: $1,275
  • Single: $1,275
  • Married: $1,195
  • Divorced: $1,275
  • Widowed: $1,257

Murfreesboro Car Insurance by Credit Rating

Improving your credit tier from Very Poor credit (300-579) to Exceptional credit (800-850) can save you an average of $1,528 each year on car insurance. Drivers will see the largest percent decrease in premiums when they improve their credit from Good (670-739) to Very Good (740-799). That change can save them 20% per year.

  • Very Poor: $2,624
  • Fair: $2,104
  • Good: $1,689
  • Very Good: $1,346
  • Exceptional: $1,096

Murfreesboro Car Insurance by Accident or Violation History

Do you have a history of accidents or violations? That can influence your prices on car insurance. A DUI will increase your car insurance premiums more than other driving violations. In Murfreesboro, drivers with a DUI need to spend 47% more than the city average to insure their vehicle. Reckless driving will also push your premiums up, with typical rates of $1,819. That is 43% higher than the city average. Being at-fault in an accident costs drivers an extra $464 per year to insure your vehicle in Murfreesboro.

  • DUI: $1,875
  • Reckless Driving: $1,819
  • At-fault Accident (damages less than $1000): $1,739
  • At-fault Accident (damages greater than $2000): $1,739
  • Speeding Ticket (16-20 mph over speed limit): $1,512

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Murfreesboro Car Insurance by Age

Looking across all age groups, drivers in their 50s tend to have the lowest rates. Their rates normally average $1,091. However, those in their 60s ($1,111) aren’t paying significantly more. Teenage drivers are the ones who pay the most in car insurance premiums, with typical rates of $5,508. The biggest drop in premiums between any age group is from the teenage age bracket to the 20s, as drivers in Murfreesboro start saving an average of 68%. The first time drivers can anticipate their age to trigger an increase in insurance rates is when they turn 60.

  • Teenagers: $5,508
  • 20s: $1,765
  • 30s: $1,249
  • 40s: $1,151
  • 50s: $1,091
  • 60s: $1,111
  • 70s: $1,350