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 |
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
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 |
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote: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 |
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 |
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 |
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 |
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 |
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 |
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 |
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.
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.
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.
