Cheapest and Best Car Insurance in Murfreesboro, TN (2024)

Tennessee Farm Bureau has the lowest rates for minimum coverage, while Travelers offers the cheapest full coverage in Murfreesboro, Tennessee. Families with teens can save the most with Nationwide. Cincinnati Insurance provides the best customer service, and Chubb is the best overall. Choose an insurer based on your coverage needs and service preferences.

Tennessee Farm Bureau offers Murfreesboro's cheapest minimum coverage car insurance.

• Tennessee Farm Bureau: $293 per year
• Auto-Owners: $363 per year

Allstate is the most expensive at $734 per year. The $441 difference between the cheapest and most costly policies shows why it's crucial to compare rates. This gap highlights how much you can save by getting the most affordable car insurance.

In Tennessee, the minimum required car insurance coverage includes:

• $25,000 bodily injury per person
  
• $50,000 bodily injury per accident
  
• $25,000 property damage liability per accident
  

If you cause an accident, your minimum coverage policy will pay up to $25,000 for one person's injuries and up to $50,000 for total injuries per accident. Any costs beyond these limits would be your responsibility.

Travelers is the cheapest full coverage car insurance provider in Murfreesboro.

• Travelers: $855 per year
• Tennessee Farm Bureau: $858 per year

Progressive has the most expensive full coverage policy at $1,655 per year, which is $800 more than the rate from Travelers. This large price gap underscores the importance of comparing rates, especially since full coverage includes comprehensive and collision insurance, making it more expensive than minimum coverage.

A full coverage policy includes comprehensive coverage for damage to your vehicle and collision coverage. It also comes with increased liability limits.

• Collision insurance covers your vehicle against accidents involving other vehicles, objects like trees or light poles, rollovers and pothole damage.
• Comprehensive insurance covers non-collision incidents that cause vehicle damage or loss, such as theft, natural disasters and collisions with animals like deer.

Selecting full coverage insurance is wise for new cars to protect your investment. For older vehicles, the cost of additional coverage outweighs the benefits, adding hundreds to your premiums. If you lease or loan a car, full coverage is required.

To know how much car insurance you need, weigh the pros of increased protection against the cost of higher premiums. This balance is crucial, as lower coverage could leave you underinsured.

Tennessee Farm Bureau is the most affordable option for Murfreesboro drivers with speeding and at-fault accident violations, while State Farm offers the most competitive rates for a DUI. Here are the cheapest providers for various driving offenses:

• Speeding ticket and at-fault accident: Tennessee Farm Bureau ($858 per year)
• DUI: State Farm ($1,273 per year)

Progressive and Chubb have the most expensive rates for these offenses. The annual premium difference between the cheapest option after a speeding ticket (Tennessee Farm Bureau) and after a DUI (State Farm) is $415. This shows how the severity of a driving offense can greatly impact car insurance costs.

Insurance premiums rise with the severity of a driving offense. In Murfreesboro, drivers with a DUI pay an average of $2,676 per year, while those with a speeding ticket pay about $1,769. These differences highlight the importance of comparing rates to find potential savings if you have driving offenses.

Nationwide offers the cheapest car insurance for teens in Murfreesboro. Here are the most affordable rates for a policy covering two parents and a teen driver:

• Nationwide: $1,214 per year for female teens and $1,375 per year for male teens
• State Farm: $1,560 per year for female teens
• Allstate: $1,795 per year for male teens

Progressive is the most expensive option, at $2,924 annually for female teen drivers. The $1,710 difference between the highest and lowest rates underscores the need to compare options, especially for higher-risk drivers like teenagers.

In Murfreesboro, individual policies for teen drivers cost about $5,034 annually, while adding a teen to a family plan averages $2,223. The higher cost for individual policies reflects the increased risk insurers associate with inexperienced drivers. Teens often face difficulties securing their policies due to stricter requirements and limited credit history, making family plans more affordable and often necessary.

USAA offers the cheapest full coverage car insurance for military backgrounds in Murfreesboro.

• USAA: $683 per year
• Travelers: $855 per year

USAA also provides specialized services for active-duty military members, catering to their unique needs and lifestyles.

In Murfreesboro, comparing rates helps you save on car insurance. However, it can take about 15 minutes per insurer and up to over an hour for three or more companies. MoneyGeek's car insurance calculator can help make the process much easier. Enter key details like age, driving history, credit rating and coverage preferences to get an instant estimate.

Finding the right auto insurance depends on how you prioritize factors like service, cost and coverage. Here are the top insurers based on MoneyGeek's analysis:

• Best overall: Chubb (MoneyGeek score of 84 out of 100)
• Best for service: Cincinnati Insurance (MoneyGeek score of 80 out of 100)
• Best cheap: Chubb (MoneyGeek score of 83 out of 100)

Chubb excels overall, offering a solid mix of service and affordability. It also provides great value for cost, making it the top choice for comprehensive coverage in Murfreesboro. Cincinnati Insurance is the top pick for exceptional service.

Chubb offers the best car insurance in Murfreesboro.

• Chubb: MoneyGeek score of 84 out of 100 ($1,001 per year)
• Cincinnati Insurance: MoneyGeek score of 82 out of 100 ($978 per year)

Chubb stands out with its strong customer satisfaction and excellent claims handling, making it the top choice for full coverage policies.

Cincinnati Insurance provides the best customer service in car insurance based on its high scores in customer satisfaction, claims handling, and coverage quality, excluding cost.

• Cincinnati Insurance: MoneyGeek score of 80 out of 100 ($978 per year)
• Chubb: MoneyGeek score of 79 out of 100 ($1001 per year)

Cincinnati Insurance earns the highest MoneyGeek score, reflecting its strong performance across satisfaction, claims and coverage. This balanced excellence in service makes Cincinnati Insurance a top choice for customers in Murfreesboro.

Chubb is the top choice for affordable car insurance in Murfreesboro. It stands out for its superior satisfaction and claims handling, reflecting excellent value for a minimum coverage policy.

• Chubb: MoneyGeek score of 83 out of 100 ($399 per year)
• Cincinnati Insurance: MoneyGeek score of 82 out of 100 ($388 per year)

Chubb offers the best balance between cost and service quality, ensuring drivers get great value without sacrificing coverage quality.

Murfreesboro's average car insurance premium is $1,074, lower than Tennessee's average of $1,152 and the national average of $1,781.

Location impacts insurance costs due to risk factors like crime rates and traffic density. In Tennessee, Knoxville offers the lowest premiums at $1,063, while Memphis has the highest at $1,414. The $351 difference between these cities highlights how location affects rates. Generally, areas outside major cities with less traffic may have even lower rates.