Cheap Car Insurance in Murfreesboro, TN

Written by Xuyun Zeng and 1 other
Updated Mar 20, 2025
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Cheap Car Insurance in Murfreesboro, TN

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Murfreesboro can be a great place to live, with its mild climate and college-town charm, and Nashville just 30 miles away. But the roads may be busy, with its fast-growing population and traffic coming from, Interstate 24 and U.S. 41. 

Make sure you have a car insurance policy in place to legally cruise around the Boro. We’ve collected data from real Jerry customers in Murfreesboro to show how rates can vary across a wide range of ages, driver profiles and coverage needs.

Cheapest minimum coverage in Murfreesboro

Here are the cheapest quotes for minimum coverage in Murfreesboro, based on Jerry’s quote data.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$32 $380 National General 64 August 23, 2024 Murfreesboro, TN 37128
$49 $592 Trexis 47 March 25, 2024 Murfreesboro, TN 37130
$49 $592 Trexis 47 April 24, 2024 Murfreesboro, TN 37130
$52 $628 Trexis 44 March 31, 2025 Murfreesboro, TN 37128
$54 $644 Trexis 42 October 24, 2024 Murfreesboro, TN 37130
$59 $706 National General 25 May 19, 2024 Murfreesboro, TN 37130
$60 $716 Trexis 56 June 11, 2024 Murfreesboro, TN 37128
$60 $719 The General 47 January 18, 2024 Murfreesboro, TN 37130
$63 $758 National General 32 July 21, 2024 Murfreesboro, TN 37130
$70 $838 Electric 55 February 28, 2025 Murfreesboro, TN 37130
Last Updated May 8, 2025

Tennessee requires drivers to carry these minimum coverage levels:

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

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Find affordable car insurance in minutes.

Cheapest full coverage insurance in Murfreesboro

If your vehicle gets damaged from collisions, vandalism, fire, theft or weather-related incidents, minimum coverage won’t pay for your repairs — but full coverage could. These are the cheapest quotes that drivers in Murfreesboro have received via Jerry for full coverage.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$64 $770 Progressive 57 March 18, 2025 Murfreesboro, TN 37130
$73 $872 Progressive 20 April 17, 2025 Murfreesboro, TN 37130
$75 $896 National General 62 April 14, 2025 Murfreesboro, TN 37127
$76 $908 Progressive 52 January 3, 2025 Murfreesboro, TN 37130
$83 $998 National General 65 May 7, 2024 Murfreesboro, TN 37129
$96 $1,146 Progressive 33 February 20, 2025 Murfreesboro, TN 37129
$100 $1,196 Progressive 53 April 17, 2024 Murfreesboro, TN 37128
$101 $1,216 Progressive 27 March 2, 2024 Murfreesboro, TN 37128
$103 $1,240 Bristol West 48 November 24, 2024 Murfreesboro, TN 37129
$109 $1,308 Progressive 51 April 6, 2025 Murfreesboro, TN 37130
Last Updated May 8, 2025

Cheapest car insurance for young drivers in Murfreesboro (18-29 years old)

Young drivers typically pay the highest premiums for auto insurance because they have less experience driving, which insurers see as risky. Here are the cheapest quotes that young drivers in Murfreesboro have received via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$59 $706 National General 25 No May 19, 2024 Murfreesboro, TN 37130
$72 $862 Progressive 26 No April 29, 2025 Murfreesboro, TN 37130
$73 $872 Progressive 20 Yes April 17, 2025 Murfreesboro, TN 37130
$82 $986 Trexis 24 No March 20, 2024 Murfreesboro, TN 37128
$87 $1,040 Electric 26 No February 9, 2025 Murfreesboro, TN 37129
Last Updated May 8, 2025

Cheapest car insurance for mature drivers in Murfreesboro (30-54 years old)

Mature drivers in Murfreesboro are likely to get lower rates than younger drivers. Compare various quotes to get the cheapest rate. These are the cheapest quotes that mature drivers in Murfreesboro have received via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$49 $592 Trexis 47 No April 24, 2024 Murfreesboro, TN 37130
$49 $592 Trexis 47 No March 25, 2024 Murfreesboro, TN 37130
$52 $628 Trexis 44 No March 31, 2025 Murfreesboro, TN 37128
$54 $644 Trexis 42 No October 24, 2024 Murfreesboro, TN 37130
$60 $719 The General 47 No January 18, 2024 Murfreesboro, TN 37130
Last Updated May 8, 2025

Cheapest car insurance for older drivers in Murfreesboro (55+ years old)

Older drivers typically pay the lowest rates for auto insurance but those rates might start ticking upwards when they reach their 70s. These are the cheapest quotes that drivers over 54 years old have received via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
Has Full Coverage
$32 $380 National General 64 August 23, 2024 Murfreesboro, TN 37128 No
$60 $716 Trexis 56 June 11, 2024 Murfreesboro, TN 37128 No
$64 $770 Progressive 57 March 18, 2025 Murfreesboro, TN 37130 Yes
$70 $838 Electric 55 February 28, 2025 Murfreesboro, TN 37130 No
$75 $896 National General 62 April 14, 2025 Murfreesboro, TN 37127 Yes
Last Updated May 8, 2025

Cheapest car insurance for drivers with clean records in Murfreesboro

Drivers with clean driving records generally pay the cheapest premiums. Here are the cheapest quotes that drivers in Murfreesboro with no accidents, violations or claims have received via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
Has Full Coverage
City, State
ZIP Code
$32 $380 National General 64 August 23, 2024 No Murfreesboro, TN 37128
$49 $592 Trexis 47 April 24, 2024 No Murfreesboro, TN 37130
$49 $592 Trexis 47 March 25, 2024 No Murfreesboro, TN 37130
$52 $628 Trexis 44 March 31, 2025 No Murfreesboro, TN 37128
$59 $706 National General 25 May 19, 2024 No Murfreesboro, TN 37130
$60 $716 Trexis 56 June 11, 2024 No Murfreesboro, TN 37128
$60 $719 The General 47 January 18, 2024 No Murfreesboro, TN 37130
$64 $770 Progressive 57 March 18, 2025 Yes Murfreesboro, TN 37130
$71 $854 Trexis 30 December 4, 2023 No Murfreesboro, TN 37130
$72 $862 Progressive 26 April 29, 2025 No Murfreesboro, TN 37130
Last Updated May 8, 2025

Cheapest car insurance for drivers with low credit scores in Murfreesboro

Insurers in Tennessee can use your credit score to determine your premium. Having a low credit score typically increases your insurance costs. Compare multiple quotes to ensure you’re getting the lowest rates. Here are the cheapest quotes that drivers in Murfreesboro with credit scores below 550 have received via Jerry.

Credit Score
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
<550 $49 $592 Trexis 47 April 24, 2024 Murfreesboro, TN 37130
<550 $49 $592 Trexis 47 March 25, 2024 Murfreesboro, TN 37130
<550 $52 $628 Trexis 44 March 31, 2025 Murfreesboro, TN 37128
<550 $72 $862 Progressive 26 April 29, 2025 Murfreesboro, TN 37130
<550 $75 $894 Trexis 31 February 1, 2024 Murfreesboro, TN 37129
Last Updated May 8, 2025

Cheapest car insurance for drivers with at-fault accidents in Murfreesboro

If you’ve been in an accident, your premium will typically rise. Rate shop to ensure you’re paying the least for auto insurance. These are the cheapest quotes for drivers in Murfreesboro with at-fault accidents on their records, based on Jerry’s data.

At-fault Accident on Record
Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
At Fault With No Injury $76 $906 Bristol West 32 No April 15, 2025 Murfreesboro, TN 37129
At Fault With No Injury $87 $1,040 Electric 26 No February 9, 2025 Murfreesboro, TN 37129
At Fault With No Injury $95 $1,140 The General 54 No January 24, 2024 Murfreesboro, TN 37128
At Fault With No Injury $96 $1,146 Progressive 33 Yes February 20, 2025 Murfreesboro, TN 37129
At Fault With No Injury $103 $1,240 Bristol West 48 Yes November 24, 2024 Murfreesboro, TN 37129
Last Updated May 8, 2025

Cheapest car insurance for drivers with speeding tickets in Murfreesboro

If you’ve received a citation for speeding, your premium will likely increase. Shop around for the cheapest rate to keep your insurance bill low. Here are the cheapest quotes that drivers with speeding tickets in Murfreesboro have received through Jerry.

Violation Summary
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
Speeding under 15 $63 $758 National General 32 July 21, 2024 Murfreesboro, TN 37130
Speeding over 15 $99 $1,192 National General 26 July 29, 2024 Murfreesboro, TN 37128
Speeding under 15 $107 $1,282 National General 37 April 30, 2025 Murfreesboro, TN 37130
Speeding over 15 $121 $1,454 Trexis 24 January 17, 2024 Murfreesboro, TN 37127
Speeding over 15 $137 $1,648 Trexis 32 August 29, 2024 Murfreesboro, TN 37130
Last Updated May 8, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS
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Xuyun Zeng

Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

meet-experts-thumbnail
Ben Moore

Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.

Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.