Murfreesboro, TN Car Insurance

Residents of Murfreesboro pay, on average, about $55 per month for car insurance. To learn more about what you're likely to pay in the Murfreesboro area, read our guide below.
Compared to their surrounding area, how do rates in Murfreesboro stack up? What about against the rest of Tennessee? What rates should residents of Murfreesboro expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Murfreesboro?

Area Average Monthly Car Insurance Premium
Murfreesboro$55
TN$52
United States$80

Based on the chart above, you can see that auto insurance rates in Murfreesboro are in line with rates across the rest of Tennessee.

On the flip side, car insurance rates in Murfreesboro are more affordable than the national average. It's around $25 less to insure your vehicle compared to the average rate for the U.S. as a whole.

Although these are the average monthly costs for an auto insurance policy in Murfreesboro, that doesn't mean it's exactly what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the bill you'll see each month.

We've done the heavy lifting for you and broken down the average rate for Murfreesboro so that you can get a more accurate idea of what your policy will cost you. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$176
18-24$77
25-34$48
35-44$44
45-54$42
55-64$39
65+$39

More time behind the wheel makes you a more experienced driver. That experience can lead to some serious savings when it comes to auto insurance bills. In this case, 18-24-year-olds pay a lot more than someone who is at retirement age.

For every 10 years, you can expect to see a drop in your monthly premium. Drivers in Murfreesboro may see their rates start to rise again once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$55
Female$55

Male drivers pay, on average. slightly more than female drivers for auto insurance. Male and female drivers in Murfreesboro, however, both pay around $55 a month for car insurance.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$70
Multiple Accidents$78
1 Ticket$75
Multiple Tickets$115

Rates can vary wildly depending on your driving record. Those with clean records can expect to pay significantly less than those with infractions. In Murfreesboro, having a single accident on your record will usually get you rates around $70 a month. In addition, drivers with a single ticket on their record can expect to pay around $75 a month on average.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$65
2-3 Years$53
4-5 Years$44
6-7 Years$55
8-10 Years$57
11-14 Years$58
15 Years or Older$52

If you look at the first table above, the cheapest vehicles to insure in Murfreesboro are typically trucks and vans, at $48 per month.

SUV drivers will see rates of about $49 for auto insurance, while car owners usually pay around $58 per month.

Depending on the age of your vehicle, you can also expect to see slightly different rates. Generally, the most expensive vehicles to insure are going to be newer ones. However, your rates may start to drop back down once your car is a few years old. In Murfreesboro, the most expensive vehicles to insure are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$60
Married$44
Divorced$41
Widowed$50

More often than not, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.

The difference in rates based on relationship status in Murfreesboro can be as much as $16 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$43
Rent$57
Live with parents$88

Another factor that comes into play is your housing status. If you rent your home or apartment, expect to pay around $14 a month more than if you own your own home in Murfreesboro. But if you live with your parents, you can expect to pay a lot more.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance premiums, depending on your insurance company.

Car Insurance Companies in Murfreesboro, TN

Recent trends in car insurance for Murfreesboro drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an auto insurance policy.

The rates for car insurance in Murfreesboro had been decreasing from 2016-2017, before leveling out in 2018. They finished down in 2021, at $54 a month

How does Murfreesboro compare to neighboring areas?

Why are car insurance rates in Murfreesboro different from other areas?

Car insurance companies will take into account several factors when they're choosing how much to charge for a policy. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you park your car. These include things like:

  • Availability of off-street parking
  • Total amount of drivers in the area
  • Crime
  • Community regulations
  • Road Safety (frequency of local car accidents)

An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Murfreesboro?

While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

But wait! Compare.com will handle the heavy lifting for you. Just put in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies offering policies in Murfreesboro.

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Murfreesboro Insurance FAQs

What factors affect car insurance quotes in Murfreesboro?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Murfreesboro different from other neighboring cities?

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, parking situations, and crime rates when calculating your quote -- all of which can change from city to city.

Which car insurance company will offer me the cheapest rate in Murfreesboro?

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Murfreesboro?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Murfreesboro or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

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