Cheap Car Insurance in Murfreesboro, TN (October 2025)

Written by Xuyun Zeng and 1 other
Updated Oct 6, 2025
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Cheap Car Insurance in Murfreesboro, TN (October 2025)

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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.

More: Best car insurance in Florida

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 Quote
City, State
ZIP Code
$34 $408 Progressive 45 06/25/25 Murfreesboro, TN 37129
$37 $442 Progressive 61 05/29/25 Murfreesboro, TN 37128
$39 $466 Progressive 38 06/17/25 Murfreesboro, TN 37128
$48 $572 Progressive 30 09/27/25 Murfreesboro, TN 37127
$49 $586 Progressive 38 06/15/25 Murfreesboro, TN 37130
$50 $596 Progressive 55 07/28/25 Murfreesboro, TN 37128
$53 $636 Progressive 28 06/21/25 Murfreesboro, TN 37129
$54 $643 The General 57 08/22/25 Murfreesboro, TN 37129
$56 $668 The General 50 08/21/25 Murfreesboro, TN 37130
$58 $694 Electric 30 09/23/25 Murfreesboro, TN 37129
Last Updated Oct. 5, 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.

Jerry finds quotes from 50 insurance partners fast.

More: Cheapest car insurance in Florida

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 Quote
City, State
ZIP Code
$39 $470 Progressive 44 06/23/25 Murfreesboro, TN 37128
$62 $748 National General 44 06/22/25 Murfreesboro, TN 37129
$72 $868 Progressive 36 09/29/25 Murfreesboro, TN 37130
$73 $874 Progressive 41 08/31/25 Murfreesboro, TN 37129
$75 $902 National General 38 06/15/25 Murfreesboro, TN 37129
$77 $926 National General 44 06/23/25 Murfreesboro, TN 37128
$82 $980 Gainsco 37 06/14/25 Murfreesboro, TN 37129
$86 $1,031 Safeco 40 08/02/25 Murfreesboro, TN 37127
$89 $1,072 Electric 61 05/29/25 Murfreesboro, TN 37128
$90 $1,080 Progressive 38 06/15/25 Murfreesboro, TN 37128
Last Updated October 2025

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Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

  • 35-45 years old.
  • Clean driving record.
  • $50,000 in bodily injury liability, per person.
  • $100,000 in bodily injury liability, per accident.
  • $1,000 deductible for comprehensive and collision insurance.

More: Best car insurance companies

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 Quote
City, State
ZIP Code
$74 $882 Trexis 25 No 08/18/25 Murfreesboro, TN 37128
$79 $951 The General 24 No 08/21/25 Murfreesboro, TN 37130
$80 $956 Assurance America 28 No 08/27/25 Murfreesboro, TN 37130
$87 $1,042 First Acceptance 28 No 07/07/25 Murfreesboro, TN 37129
$107 $1,284 The General 20 No 05/31/25 Murfreesboro, TN 37130
$77 $926 National General 44 06/23/25 Murfreesboro, TN 37128
$82 $980 Gainsco 37 06/14/25 Murfreesboro, TN 37129
$86 $1,031 Safeco 40 08/02/25 Murfreesboro, TN 37127
$89 $1,072 Electric 61 05/29/25 Murfreesboro, TN 37128
$90 $1,080 Progressive 38 06/15/25 Murfreesboro, TN 37128
Last Updated Oct. 4, 2025

More: Get cheap car insurance the smart way, today

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 Quote
City, State
ZIP Code
$39 $466 Progressive 38 No 06/17/25 Murfreesboro, TN 37128
$39 $470 Progressive 44 Yes 06/23/25 Murfreesboro, TN 37128
$48 $572 Progressive 30 No 09/27/25 Murfreesboro, TN 37127
$56 $668 The General 50 No 08/21/25 Murfreesboro, TN 37130
$58 $694 Electric 30 No 09/23/25 Murfreesboro, TN 37129
$77 $926 National General 44 06/23/25 Murfreesboro, TN 37128
$82 $980 Gainsco 37 06/14/25 Murfreesboro, TN 37129
$86 $1,031 Safeco 40 08/02/25 Murfreesboro, TN 37127
$89 $1,072 Electric 61 05/29/25 Murfreesboro, TN 37128
$90 $1,080 Progressive 38 06/15/25 Murfreesboro, TN 37128
Last Updated Oct. 4, 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 Quote
City, State
ZIP Code
Has Full Coverage
$37 $442 Progressive 61 05/29/25 Murfreesboro, TN 37128 No
$50 $596 Progressive 55 07/28/25 Murfreesboro, TN 37128 No
$54 $643 The General 57 08/22/25 Murfreesboro, TN 37129 No
$70 $838 First Acceptance 58 08/23/25 Murfreesboro, TN 37127 No
$73 $876 Liberty Mutual 62 09/20/25 Murfreesboro, TN 37130 No
$77 $926 National General 44 06/23/25 Murfreesboro, TN 37128
$82 $980 Gainsco 37 06/14/25 Murfreesboro, TN 37129
$86 $1,031 Safeco 40 08/02/25 Murfreesboro, TN 37127
$89 $1,072 Electric 61 05/29/25 Murfreesboro, TN 37128
$90 $1,080 Progressive 38 06/15/25 Murfreesboro, TN 37128
Last Updated Oct. 4, 2025

More: Best car insurance for seniors

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 Quote
Has Full Coverage
City, State
ZIP Code
$37 $442 Progressive 61 05/29/25 No Murfreesboro, TN 37128
$39 $466 Progressive 38 06/17/25 No Murfreesboro, TN 37128
$39 $470 Progressive 44 06/23/25 Yes Murfreesboro, TN 37128
$48 $572 Progressive 30 09/27/25 No Murfreesboro, TN 37127
$50 $596 Progressive 55 07/28/25 No Murfreesboro, TN 37128
$54 $643 The General 57 08/22/25 No Murfreesboro, TN 37129
$56 $668 The General 50 08/21/25 No Murfreesboro, TN 37130
$58 $694 Electric 30 09/23/25 No Murfreesboro, TN 37129
$58 $700 National General 51 08/20/25 No Murfreesboro, TN 37129
$62 $740 Bristol West 31 09/08/25 No Murfreesboro, TN 37128
Last Updated Oct. 3, 2025

Cheapest car insurance for drivers with low credit scores in Murfreesboro

Insurers in Tennessee can use credit-based insurance scores 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 $43 $518 Progressive 36 09/29/25 Murfreesboro, TN 37130
<550 $49 $592 Trexis 47 04/24/24 Murfreesboro, TN 37130
<550 $56 $670 Trexis 49 02/02/25 Murfreesboro, TN 37130
<550 $65 $776 National General 55 09/02/25 Murfreesboro, TN 37129
<550 $72 $862 Progressive 26 04/29/25 Murfreesboro, TN 37130
$54 $643 The General 57 Murfreesboro, TN 37129
$56 $668 The General 50 Murfreesboro, TN 37130
$58 $694 Electric 30 Murfreesboro, TN 37129
$58 $700 National General 51 Murfreesboro, TN 37129
$62 $740 Bristol West 31 Murfreesboro, TN 37128
Last Updated Oct. 2, 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 $47 $566 Progressive 40 Yes 07/24/25 Murfreesboro, TN 37129
At Fault With No Injury $56 $670 Trexis 49 No 02/02/25 Murfreesboro, TN 37130
At Fault With No Injury $57 $686 Progressive 47 No 12/20/24 Murfreesboro, TN 37129
At Fault With No Injury $61 $734 Progressive 38 No 09/18/25 Murfreesboro, TN 37128
At Fault With No Injury $65 $782 Progressive 38 No 06/24/25 Murfreesboro, TN 37128
$54 $643 The General 57 No Murfreesboro, TN 37129
$56 $668 The General 50 No Murfreesboro, TN 37130
$58 $694 Electric 30 No Murfreesboro, TN 37129
$58 $700 National General 51 No Murfreesboro, TN 37129
$62 $740 Bristol West 31 No Murfreesboro, TN 37128
Last Updated Oct. 4, 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 Quote
City, State
ZIP Code
Speeding over 15 $48 $576 Assurance America 32 09/30/25 Murfreesboro, TN 37128
Speeding over 15 $62 $746 Electric 26 05/16/25 Murfreesboro, TN 37130
Speeding over 15 $184 $2,208 Gainsco 26 07/28/25 Murfreesboro, TN 37129
Speeding over 15 $189 $2,268 Bristol West 26 06/08/25 Murfreesboro, TN 37128
Speeding over 15 $200 $2,398 Dairyland 68 08/18/25 Murfreesboro, TN 37128
$54 $643 The General 57 08/22/25 Murfreesboro, TN 37129
$56 $668 The General 50 08/21/25 Murfreesboro, TN 37130
$58 $694 Electric 30 09/23/25 Murfreesboro, TN 37129
$58 $700 National General 51 08/20/25 Murfreesboro, TN 37129
$62 $740 Bristol West 31 09/08/25 Murfreesboro, TN 37128
Last Updated Oct. 7, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from 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 $89 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.
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