Murfreesboro’s average car insurance cost is $374 per year for minimum coverage, and $1,257 annually for full coverage. This means drivers in Murfreesboro may be able to pay less than the national average of $1,674 annually for full coverage. Residents should compare quotes from multiple carriers to find the most affordable coverage.
To find the best possible rates with the best car insurance companies in Murfreesboro, Bankrate reviewed a wide range of national and regional carriers to find the best cheap insurance in the area. Third-party ratings such as those from J.D. We also looked at the Power survey to assess customer satisfaction with auto insurance, the AM Best financial ratings, and other factors like coverage options and digital experience.
Best car insurance in Murfreesboro
All of the competitive rates offered by Geico, USAA and Nationwide are available through State Farm, State Farm, USAA, Nationwide, and Nationwide. Each of these companies also offers other benefits for Murfreesboro drivers. It is important to consider factors such as third-party ratings and digital experience, rates, discounts, and other details when searching for Murfreesboro’s best car insurance company.
Geico
Geico has the lowest rates of all the carriers, and Geico offers drivers a lot of discounts. Geico offers standard discounts such as bundling policies or keeping good grades for students. Affiliate discounts are available for being a member or an alumni group. Geico offers additional savings by purchasing multiple vehicles or adding safety equipment to your policy.
USAA
USAA is the J.D.’s top-ranked company. The Power survey measures customer satisfaction. USAA puts a lot of emphasis on customer service. There are many ways to contact the carrier via an app, online, or by phone. USAA offers additional discounts, as well as savings, for every year that you are a customer. USAA provides coverage for military personnel and veterans. Many of the discounts and coverage options are also available to military families.
All over the country
On the J.D., Nationwide was the lowest-scoring carrier. The Nationwide score was the lowest among these carriers on the J.D. Power survey. However, the attractive rates and discounts make it well worth your time. Nationwide offers generous discounts, including an Easy Pay (if your bank accounts allow automatic drafts), accident forgiveness and SmartRide. These options can help you save money over the long-term.
State Farm
State Farm has operated since 1922 and is now the largest provider of auto insurance in the U.S. State Farm is a great choice if you want to be able to contact your carrier online, via a customer service number, a mobile application, or a local agent. J.D. also rates State Farm as one of the top-rated carriers in Southeast. Power, which further highlights the importance of strong customer service.
Murfreesboro has the lowest car insurance
Murfreesboro’s average car insurance cost is $374 per year for minimum coverage, and $1,257 annually for full coverage. On a national level, the average cost of car insurance is $1,674 for full coverage on an annual basis — which places Murfreesboro well below this average. Drivers in Tennessee pay an average of $1,338 across the state, again, making Murfreesboro less expensive.
Bankrate compared the rates of the most affordable carriers for Murfreesboro drivers. Geico, USAA and State Farm offer low rates. Each carrier has its own advantages. The J.D. consistently ranks USAA as the best among all the J.D. The J.D. Power customer satisfaction ratings are only available to military personnel and veterans. Nationwide and State Farm have highly-rated online portals and apps for policy management convenience.
Murfreesboro insurance requirements
Drivers in Tennessee are legally required to carry 25/50/15 in liability insurance. This includes:
- $25,000 per injury or death in an accident.
- $50,000 per accident for total injuries/deaths
- $15,000 per accident for property damage
While it may seem tempting to buy the minimum amount to keep within your budget, you might be required to buy more than the minimum. Most lenders will require that you purchase optional collision and comprehensive coverage if you lease or finance a vehicle. If it is a newer vehicle, the lender may also require you to purchase otherwise optional gap insurance.
Murfreesboro: Car insurance discounts
Although Murfreesboro’s average car insurance policy is lower than the national average for drivers, they may still be interested in taking advantage of any discounts that are available to them. While discounts vary from one carrier to the next, most offer discounts like:
- Multi-policy: You should get a discount if you buy a policy from the same company as your homeowners, renters, or other insurance products.
- You may be eligible for a paid in-full discount if you pay your premiums upfront, instead of splitting them into quarterly or monthly payments.
- Good student: Many carriers offer additional discounts for students who have a minimum B average. It also gives you more incentive to improve your grades each year.
- Safety equipment: You may be eligible for a safety equipment rebate if you have a vehicle that has extra safety features like anti-lock brakes or airbags.
While discounts are an easy way to reduce premiums, they are only one option. You can also compare quotes from different carriers to make sure you get the best rate for your situation. It is a good idea to compare rates from multiple carriers.
Questions frequently asked
Which is the best auto insurance company?
There are multiple considerations to choosing the best car insurance company. To help you get started, Bankrate has reviewed third party ratings, rate information and digital assets from several carriers. After you have identified providers that you like, get quotes to find the best fit.
What is the cost of Murfreesboro car insurance?
Murfreesboro’s average car insurance cost is $374 per year for minimum coverage, and $1,257 annually for full coverage. Your exact rates may be different depending on many factors. These factors include your zip code, credit score and vehicle mileage.