Average car insurance cost in Murfreesboro, Tennessee

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Our analysis shows that drivers in Murfreesboro pay about $2,124 per year for car insurance. It is $90 less than the Tennessee average and $389 less than the nationwide average.

Where you live plays a big role in how much you pay for car insurance. Areas with high population density, theft and accident rates tend to have higher premiums.

Comparing car insurance rates in Murfreesboro to state and national averages can help you determine if you’re getting a good deal or if it’s time to explore other options. Below, we outline local trends, rate differences and ways to save.

Cheap car insurance companies in Murfreesboro

GEICO provides the lowest full coverage car insurance rate in Murfreesboro, with an annual premium of $1,593 for the liability limits of $100,000 per person, $300,000 per accident and $100,000 for property damage.

Travelers also offers cheap full coverage car insurance rates at an average annual cost of $1,754.

Every insurance company calculates premiums differently based on its unique underwriting guidelines. This means prices can vary widely, so getting quotes from multiple insurers is one of the best ways to find affordable coverage tailored to you.

Below is a breakdown of average yearly and monthly car insurance rates from different insurers in Murfreesboro.

Read about the best car insurance companies.

Average car insurance cost in Murfreesboro by coverage limits

Here’s a breakdown of average car insurance rates in Murfreesboro by coverage type.

• State minimum coverage: $552 per year (limits are $25,000 bodily injury liability per person, $50,000 total bodily injury liability per accident and $25,000 property damage liability per accident).
• Liability only coverage: $662 per year (limits are $50,000 bodily injury liability per person, $100,000 total bodily injury liability per accident and $50,000 property damage liability per accident).
• Full coverage: $2,124 per year (limits are $100,000 bodily injury liability per person, $300,000 total bodily injury liability per accident and $100,000 property damage liability per accident).
• Non-owners coverage: $437 per year

Most states require drivers to carry a minimum amount of liability insurance to legally operate a vehicle, but the specific coverage limits vary by state. Liability insurance is designed to cover injuries or property damage you cause to others in an accident.

However, it’s important to understand that minimum coverage won’t pay for your own medical bills or repairs to your vehicle if you’re at fault. If you want protection for your own car, you’ll need to add collision and comprehensive coverage to your policy.

Average car insurance rates by gender in Murfreesboro

Female drivers in Murfreesboro pay about $2,116 per year for car insurance, while male drivers spend $2,133, which is $17 more than what females pay.

Gender is commonly used to calculate premiums in most states, but some states, including California, Hawaii, Massachusetts, Michigan, Montana, North Carolina and Pennsylvania, don’t allow insurers to use gender to calculate premiums.

According to the Insurance Information Institute, or Triple-I, women generally demonstrate safer driving habits and are less likely to be involved in severe accidents. Insurers account for this elevated risk, resulting in increased insurance premiums for male drivers.

Read more on how gender affects car insurance rates.

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Average car insurance rates by age in Murfreesboro

Teen drivers in Murfreesboro face the highest car insurance rates, at $7,771 per year or $648 per month. According to the Insurance Information Institute, insurance costs are higher for teens aged 16 to 19 due to their increased risk of accidents and limited driving experience. On average, teen drivers pay $4,300 more for car insurance than young adults.

Car insurance premiums typically drop as teens age and gain more experience behind the wheel. On average, young adults (ages 20 to 24) pay $3,471 annually for coverage – that’s $4,300 less than what teens usually pay.

Adults between 25 and 55 and senior drivers between 60 and 75 in Murfreesboro pay an average of $2,109 and $2,002 per year for car insurance, respectively.

Read more on auto insurance for seniors.

Below is a breakdown of average annual full coverage car insurance rates by age group.

Car insurance rate trends in Murfreesboro

From 2023 to 2025, drivers in Murfreesboro experienced an upward trend in car insurance premiums, with average rates Increased by 33% or about $524.

The graph below tracks insurance costs from 2022 to 2025, highlighting long-term trends that help explain today’s rate changes.

How drivers can save on insurance even with higher rates

Car insurance rates in Murfreesboro are lower than the Tennessee state average. Drivers can get affordable insurance rates by shopping around and comparing quotes from at least three to five insurance companies. You should also look for available discounts, such as a safe driver discount, low mileage and bundling discounts.

Methodology

Insure.com commissioned car insurance rates in 2025 from Quadrant Information Services. To determine the average premiums, our team of data analysts and expert editors analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes.

The insurance rates are based on a sample profile of a 40-year-old male and female driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:

• $100,000 bodily injury per person
• $300,000 bodily injury per accident
• $100,000 property damage per accident
• $500 comprehensive and collision deductible

The quoted insurance rates are for comparison purposes, and your rates may vary.

Shivani Gite

Contributing Writer

 

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Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.