Cheap Car Insurance in Murfreesboro, TN (July 2025)

Written by Xuyun Zeng and 1 other
Updated Jul 18, 2025
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Cheap Car Insurance in Murfreesboro, TN (July 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 Policy
City, State
ZIP Code
$32 $380 National General 64 August 23, 2024 Murfreesboro, TN 37128
$38 $460 Progressive 47 April 24, 2025 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
$53 $632 Progressive 31 June 5, 2025 Murfreesboro, TN 37130
$57 $686 Progressive 47 December 20, 2024 Murfreesboro, TN 37129
$57 $687 Progressive 27 March 16, 2025 Murfreesboro, TN 37128
$60 $716 Trexis 56 June 11, 2024 Murfreesboro, TN 37128
$60 $719 The General 47 January 18, 2024 Murfreesboro, TN 37130
Last Updated Jul 17, 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.

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 Policy
City, State
ZIP Code
$38 $460 Progressive 47 April 24, 2025 Murfreesboro, TN 37128
$60 $724 Progressive 34 October 27, 2024 Murfreesboro, TN 37128
$93 $1,120 Progressive 37 August 6, 2024 Murfreesboro, TN 37128
$97 $1,166 The General 41 June 17, 2024 Murfreesboro, TN 37130
$102 $1,227 Progressive 27 March 16, 2025 Murfreesboro, TN 37128
$110 $1,317 Trexis 37 July 15, 2025 Murfreesboro, TN 37129
$111 $1,328 Progressive 29 October 3, 2024 Murfreesboro, TN 37128
$115 $1,382 Electric 46 July 9, 2025 Murfreesboro, TN 37129
$117 $1,398 Progressive 27 July 7, 2025 Murfreesboro, TN 37129
$118 $1,414 Progressive 71 April 12, 2024 Murfreesboro, TN 37130
Last Updated Jul 17, 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 Policy
City, State
ZIP Code
$72 $862 Progressive 26 No April 29, 2025 Murfreesboro, TN 37130
$79 $942 Progressive 25 No January 19, 2025 Murfreesboro, TN 37128
$82 $986 Trexis 24 No March 20, 2024 Murfreesboro, TN 37128
$89 $1,064 Trexis 29 No February 9, 2024 Murfreesboro, TN 37130
$89 $1,070 National General 26 No July 29, 2024 Murfreesboro, TN 37128
Last Updated Jul 18, 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 Policy
City, State
ZIP Code
$38 $460 Progressive 47 Yes April 24, 2025 Murfreesboro, TN 37128
$49 $592 Trexis 47 No March 25, 2024 Murfreesboro, TN 37130
$49 $592 Trexis 47 No April 24, 2024 Murfreesboro, TN 37130
$53 $632 Progressive 31 No June 5, 2025 Murfreesboro, TN 37130
$57 $686 Progressive 47 No December 20, 2024 Murfreesboro, TN 37129
Last Updated Jul 17, 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
$94 $1,130 National General 62 July 16, 2024 Murfreesboro, TN 37130 No
$118 $1,414 Progressive 71 April 12, 2024 Murfreesboro, TN 37130 Yes
$122 $1,466 National General 62 September 3, 2024 Murfreesboro, TN 37129 Yes
Last Updated Jul 17, 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 Policy
Has Full Coverage
City, State
ZIP Code
$32 $380 National General 64 August 23, 2024 No Murfreesboro, TN 37128
$38 $460 Progressive 47 April 24, 2025 Yes Murfreesboro, TN 37128
$49 $592 Trexis 47 March 25, 2024 No Murfreesboro, TN 37130
$49 $592 Trexis 47 April 24, 2024 No Murfreesboro, TN 37130
$53 $632 Progressive 31 June 5, 2025 No Murfreesboro, TN 37130
$60 $716 Trexis 56 June 11, 2024 No Murfreesboro, TN 37128
$60 $724 Progressive 34 October 27, 2024 Yes Murfreesboro, TN 37128
$66 $788 Electric 38 September 30, 2024 No Murfreesboro, TN 37130
$66 $796 Trexis 46 October 14, 2024 No Murfreesboro, TN 37129
$70 $839 The General 35 July 11, 2025 No Murfreesboro, TN 37128
Last Updated Jul 18, 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 $49 $592 Trexis 47 March 25, 2024 Murfreesboro, TN 37130
<550 $49 $592 Trexis 47 April 24, 2024 Murfreesboro, TN 37130
<550 $70 $842 Bristol West 41 July 5, 2025 Murfreesboro, TN 37129
<550 $72 $862 Progressive 26 April 29, 2025 Murfreesboro, TN 37130
<550 $76 $906 Bristol West 32 May 21, 2025 Murfreesboro, TN 37129
Last Updated Jul 19, 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 $57 $686 Progressive 47 No December 20, 2024 Murfreesboro, TN 37129
At Fault With No Injury $76 $906 Bristol West 32 No May 21, 2025 Murfreesboro, TN 37129
At Fault With No Injury $91 $1,093 The General 38 No June 24, 2025 Murfreesboro, TN 37128
At Fault With No Injury $93 $1,118 Electric 26 No January 13, 2025 Murfreesboro, TN 37128
At Fault With No Injury $96 $1,146 First Acceptance 49 No February 2, 2025 Murfreesboro, TN 37130
Last Updated Jul 17, 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 over 15 $89 $1,070 National General 26 July 29, 2024 Murfreesboro, TN 37128
Speeding under 15 $93 $1,118 Electric 26 January 13, 2025 Murfreesboro, TN 37128
Speeding over 15 $111 $1,328 Progressive 29 October 3, 2024 Murfreesboro, TN 37128
Speeding over 15 $129 $1,544 National General 27 February 3, 2025 Murfreesboro, TN 37128
Speeding under 15 $134 $1,602 Bristol West 32 July 21, 2024 Murfreesboro, TN 37130
Last Updated Jul 17, 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.