Cheap Car Insurance in Murfreesboro, TN (October 2025)

Written by Xuyun Zeng and 1 other
Updated Oct 14, 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
$25 $302 Progressive 40 10/08/25 Murfreesboro, TN 37127
$37 $442 Assurance America 46 09/14/25 Murfreesboro, TN 37129
$41 $486 Progressive 43 06/21/25 Murfreesboro, TN 37127
$45 $534 Bristol West 45 09/05/25 Murfreesboro, TN 37129
$45 $540 Bristol West 40 06/17/25 Murfreesboro, TN 37130
$46 $552 Electric 51 08/20/25 Murfreesboro, TN 37129
$47 $560 Progressive 26 04/29/25 Murfreesboro, TN 37130
$49 $584 National General 43 06/22/25 Murfreesboro, TN 37130
$49 $592 Bristol West 42 06/20/25 Murfreesboro, TN 37129
$49 $592 Assurance America 36 09/29/25 Murfreesboro, TN 37130
Last Updated October 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
$58 $692 National General 42 06/20/25 Murfreesboro, TN 37129
$63 $750 National General 40 06/18/25 Murfreesboro, TN 37127
$73 $878 National General 59 10/01/25 Murfreesboro, TN 37129
$74 $892 Assurance America 60 10/06/25 Murfreesboro, TN 37127
$80 $962 National General 69 09/18/25 Murfreesboro, TN 37128
$87 $1,044 National General 42 05/20/25 Murfreesboro, TN 37130
$91 $1,092 Trexis 37 09/22/25 Murfreesboro, TN 37130
$91 $1,094 Bristol West 36 09/29/25 Murfreesboro, TN 37130
$95 $1,144 Trexis 38 06/15/25 Murfreesboro, TN 37130
$98 $1,174 Bristol West 44 06/22/25 Murfreesboro, TN 37129
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
$47 $560 Progressive 26 No 04/29/25 Murfreesboro, TN 37130
$82 $986 Safeco 26 No 05/12/25 Murfreesboro, TN 37130
$83 $990 Electric 21 No 10/06/25 Murfreesboro, TN 37127
$88 $1,055 First Acceptance 27 No 05/06/25 Murfreesboro, TN 37128
$97 $1,162 First Acceptance 28 No 08/27/25 Murfreesboro, TN 37130
$87 $1,044 National General 42 05/20/25 Murfreesboro, TN 37130
$91 $1,092 Trexis 37 09/22/25 Murfreesboro, TN 37130
$91 $1,094 Bristol West 36 09/29/25 Murfreesboro, TN 37130
$95 $1,144 Trexis 38 06/15/25 Murfreesboro, TN 37130
$98 $1,174 Bristol West 44 06/22/25 Murfreesboro, TN 37129
Last Updated October 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
$37 $442 Assurance America 46 No 09/14/25 Murfreesboro, TN 37129
$45 $540 Bristol West 40 No 06/17/25 Murfreesboro, TN 37130
$46 $552 Electric 51 No 08/20/25 Murfreesboro, TN 37129
$49 $584 National General 43 No 06/22/25 Murfreesboro, TN 37130
$49 $592 Assurance America 36 No 09/29/25 Murfreesboro, TN 37130
$87 $1,044 National General 42 05/20/25 Murfreesboro, TN 37130
$91 $1,092 Trexis 37 09/22/25 Murfreesboro, TN 37130
$91 $1,094 Bristol West 36 09/29/25 Murfreesboro, TN 37130
$95 $1,144 Trexis 38 06/15/25 Murfreesboro, TN 37130
$98 $1,174 Bristol West 44 06/22/25 Murfreesboro, TN 37129
Last Updated October 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
$52 $618 Bristol West 55 07/24/25 Murfreesboro, TN 37130 No
$55 $662 Bristol West 58 08/23/25 Murfreesboro, TN 37127 No
$70 $834 Gainsco 62 09/20/25 Murfreesboro, TN 37130 No
$71 $850 Bristol West 61 05/29/25 Murfreesboro, TN 37128 No
$73 $878 National General 59 10/01/25 Murfreesboro, TN 37129 Yes
$87 $1,044 National General 42 05/20/25 Murfreesboro, TN 37130
$91 $1,092 Trexis 37 09/22/25 Murfreesboro, TN 37130
$91 $1,094 Bristol West 36 09/29/25 Murfreesboro, TN 37130
$95 $1,144 Trexis 38 06/15/25 Murfreesboro, TN 37130
$98 $1,174 Bristol West 44 06/22/25 Murfreesboro, TN 37129
Last Updated October 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 Assurance America 46 09/14/25 No Murfreesboro, TN 37129
$45 $540 Bristol West 40 06/17/25 No Murfreesboro, TN 37130
$46 $552 Electric 51 08/20/25 No Murfreesboro, TN 37129
$47 $560 Progressive 26 04/29/25 No Murfreesboro, TN 37130
$49 $584 National General 43 06/22/25 No Murfreesboro, TN 37130
$49 $592 Assurance America 36 09/29/25 No Murfreesboro, TN 37130
$52 $618 Bristol West 55 07/24/25 No Murfreesboro, TN 37130
$53 $634 Bristol West 51 05/22/25 No Murfreesboro, TN 37128
$55 $654 Bristol West 37 09/24/25 No Murfreesboro, TN 37130
$55 $662 Bristol West 58 08/23/25 No Murfreesboro, TN 37127
Last Updated October 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 $61 $726 Assurance America 32 09/30/25 Murfreesboro, TN 37128
<550 $65 $776 National General 55 09/02/25 Murfreesboro, TN 37129
<550 $69 $830 Bristol West 49 02/02/25 Murfreesboro, TN 37130
<550 $72 $862 Progressive 26 04/29/25 Murfreesboro, TN 37130
$49 $592 Assurance America 36 Murfreesboro, TN 37130
$52 $618 Bristol West 55 Murfreesboro, TN 37130
$53 $634 Bristol West 51 Murfreesboro, TN 37128
$55 $654 Bristol West 37 Murfreesboro, TN 37130
$55 $662 Bristol West 58 Murfreesboro, TN 37127
Last Updated October 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 $57 $686 Progressive 47 No 12/20/24 Murfreesboro, TN 37129
At Fault With No Injury $61 $726 Assurance America 32 No 09/30/25 Murfreesboro, TN 37128
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
$49 $592 Assurance America 36 No Murfreesboro, TN 37130
$52 $618 Bristol West 55 No Murfreesboro, TN 37130
$53 $634 Bristol West 51 No Murfreesboro, TN 37128
$55 $654 Bristol West 37 No Murfreesboro, TN 37130
$55 $662 Bristol West 58 No Murfreesboro, TN 37127
Last Updated October 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 $50 $594 National General 35 08/21/25 Murfreesboro, TN 37130
Speeding over 15 $66 $794 Assurance America 42 10/09/25 Murfreesboro, TN 37128
Speeding over 15 $72 $860 Trexis 32 09/30/25 Murfreesboro, TN 37128
Speeding over 15 $111 $1,332 ROOT 21 10/07/25 Murfreesboro, TN 37130
Speeding over 15 $129 $1,548 Progressive 20 04/23/25 Murfreesboro, TN 37129
$49 $592 Assurance America 36 09/29/25 Murfreesboro, TN 37130
$52 $618 Bristol West 55 07/24/25 Murfreesboro, TN 37130
$53 $634 Bristol West 51 05/22/25 Murfreesboro, TN 37128
$55 $654 Bristol West 37 09/24/25 Murfreesboro, TN 37130
$55 $662 Bristol West 58 08/23/25 Murfreesboro, TN 37127
Last Updated October 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.

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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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