The Cheapest Auto Insurance Companies in Murfreesboro, Tennessee, in 2025
Mile Auto offers the cheapest car insurance in Murfreesboro, at just $48 per month.
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Written byJ.J. Starr
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J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
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Edited byLequita Westbrooks
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Lequita WestbrooksSenior Editor
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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In This Article
Car insurance costs an average of $110 per month in Murfreesboro — slightly higher than the Tennessee statewide average. Murfreesboro’s higher rates may be due to its growing population and traffic density, given its close proximity to Nashville. Local claim rates and accident rates also likely play a role.[1]
Still, many drivers find coverage for less from companies like Mile Auto, State Farm, and Sun Coast.
In this article, we’ll cover everything you need to know to find the best car insurance companies in town.
Key Takeaways
Mile Auto offers the cheapest car insurance rates in Murfreesboro, with an average monthly premium of $48.
The average cost of liability coverage in Murfreesboro is $77 per month, while full coverage averages $144.
Several insurers, including Erie, Nationwide, and State Farm, offer affordable rates and great policy options for Murfreesboro drivers.
The Cheapest Car Insurance Companies in Murfreesboro, Tennessee
Your location plays a significant role in determining car insurance rates. Drivers in Murfreesboro pay an average of $110 per month for car insurance, but many find cheaper rates by comparing quotes from multiple insurance companies.
A great place to start comparing is with the cheapest insurers in your area. The table below shows the cheapest companies in Murfreesboro, according to Compare.com data.
The below rates are estimated rates current as of: Thursday, December 4 at 11:00 AM PST.
Company  | Average Monthly Premium |
|---|---|
| Mile Auto | $48 |
| State Farm | $53 |
| Sun Coast | $56 |
| Progressive | $57 |
| Direct Auto | $61 |
| USAA | $63 |
| GEICO | $70 |
| Auto-Owners | $73 |
| Travelers | $73 |
| Erie | $78 |
| The General | $82 |
| Safeco | $85 |
| Dairyland | $88 |
| GAINSCO | $96 |
| Allstate | $98 |
| Root | $101 |
| Farmers | $106 |
| Elephant | $113 |
| Foremost | $113 |
| Bristol West | $114 |
| National General | $114 |
| Nationwide | $131 |
| Liberty Mutual | $135 |
| Chubb | $152 |
| State Auto | $203 |
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest Car Insurance in Murfreesboro by Driver and Coverage Type
Car insurance rates can vary considerably depending on several factors, including your coverage type, age, driving record, and credit history. It’s smart to review rates for drivers similar to you to help you estimate what you might pay for car insurance.
The table below lists the cheapest car insurance companies in Murfreesboro for different driver profiles and coverages, according to Compare.com data.
Driver or Coverage Type | Cheapest Insurer | Average Monthly Premium |
|---|---|---|
| Liability only | Mile Auto | $48 |
| Full coverage | Mile Auto | $84 |
| Teens | Mile Auto | $104 |
| Seniors | Mile Auto | $37 |
| Recent speeding ticket | Mile Auto | $59 |
| Recent at-fault accident | Mile Auto | $66 |
| DUI conviction | Mile Auto | $68 |
| Excellent credit | Mile Auto | $40 |
| Poor credit | Mile Auto | $59 |
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Cheapest state-minimum coverage: Mile Auto
State-minimum coverage provides the basic liability insurance Tennessee requires. It covers other drivers’ injuries and property damage when you cause an accident. But it doesn’t cover your own medical or repair bills. While these policies typically come with the cheapest premiums, they also provide the least amount of protection.
The average premium for minimum coverage in Murfreesboro costs $77 per month. The chart below highlights the five cheapest insurers for state-minimum coverage in Murfreesboro, according to Compare.com data.
Cheapest Liability Rates by Company
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full coverage: Mile Auto
Full coverage for car insurance offers broad protection against accidents, theft, and damage. It typically includes liability insurance, comprehensive coverage, and collision insurance. It’s the best option for drivers who want full protection. It’s also a common choice for drivers who have a car loan or lease, since lenders typically require it.
The average rate for a full-coverage policy in Murfreesboro is $144 per month. Check out the chart below to find the insurers with the cheapest full-coverage premiums, according to our research.
Cheapest Full-Coverage Rates by Company
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest for teens: Mile Auto
Teen drivers pay notoriously high rates for car insurance due to their inexperience and higher risk of accidents. In fact, teen crash rates are almost three times higher per mile driven than those of drivers age 20 and older, according to the Insurance Institute for Highway Safety.[2]
The average car insurance rate for teens in Murfreesboro costs $228 per month. But some companies offer much lower rates to young drivers. Here are the cheapest companies for teens in Murfreesboro, according to Compare.com data.
Cheapest Rates for Teens
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest for seniors: Mile Auto
Of all age groups, senior drivers usually pay the lowest car insurance premiums. Their lower annual mileage and lower rate of accidents help keep costs down compared to younger drivers.
Murfreesboro seniors pay an average monthly car insurance premium of $93, though many can find even lower rates by comparing top insurers. Here are the cheapest insurers in Murfreesboro for seniors, according to Compare.com data.
Cheapest Rates for Seniors
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest after a ticket: Mile Auto
Getting speeding tickets can raise your car insurance rates significantly, and higher premiums can last for years. That’s because insurers tie speeding violations closely to risky driving behaviors. In fact, speeding is a top contributing factor in nearly 30% of traffic fatalities.[3]
Murfreesboro drivers with a recent ticket spend an average of $143 per month, according to our data. Fortunately, some insurers still offer more affordable rates. We’ve listed the cheapest insurers in the city for drivers with a recent ticket in the chart below.
Cheapest Rates With a Ticket
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest after an accident: Mile Auto
An at-fault car accident can lead to higher insurance premiums, as it shows insurers that you’re an increased risk. The average Murfreesboro driver pays $143 per month after an accident. But you can often save by switching car insurance companies and stacking car insurance discounts.
The chart below lists the cheapest car insurance companies in Murfreesboro for drivers with an accident on their records, according to our data.
Cheapest Rates With an Accident
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest after a DUI: Mile Auto
A driving under the influence (DUI) conviction will increase your car insurance rates even more than getting into an accident. Insurers view drivers with a DUI as high risk and likely to cause future accidents. Some insurers might even choose to cancel your policy.
In Murfreesboro, the average monthly car insurance premium for drivers with a DUI is $149. But it’s possible to find competitive rates even with a DUI. Here are five companies offering more affordable rates after a DUI conviction, according to Compare.com data.
Cheapest Rates With a DUI
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest for bad credit: Mile Auto
It’s common for car insurance companies to review your credit history (in some states) when pricing your car insurance policy. Maintaining good credit helps keep your premium low.
Murfreesboro drivers with poor credit pay an average monthly premium of $138. That said, you can use several strategies to lower your rate, including discounts, adjusting your coverage, and switching insurers.
In the chart below, we’ve highlighted the five cheapest insurers in Murfreesboro if you’re a driver with poor credit.
Cheapest Rates With Bad Credit
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Our Picks for the Best Auto Insurance in Murfreesboro
No single company is perfect for every driver, but some insurers tend to stand out from the competition. We selected three of the best car insurance companies in Murfreesboro based on customer ratings and reviews, average premiums, available discounts, and coverage options.
While not exhaustive — Allstate, GEICO, and Direct Auto could’ve also made the list — the companies below are an excellent starting point for comparing quotes to find the right coverage for your needs.
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.2 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $71/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $137/mo |
4.3
Best choiceBased on 19 verified guest reviews and ratings
How drivers feel about Erie Insurance
Drivers value the excellent coverage and quick claim responses but dislike the significant rate increases and lack of responsiveness to emails.
AI-generated from the text of verified reviews collected by Compare.com
How drivers feel about Erie Insurance
Drivers value the excellent coverage and quick claim responses but dislike the significant rate increases and lack of responsiveness to emails.
AI-generated from the text of verified reviews collected by Compare.com
Reviews (9)
Enrique
Verified Review
Disappointed
Reviewed in Virginia on May 2025
I had to chase them for weeks to follow up on a claim. My case was switched from one agent to another several times. Even though the claim was for a no-fault accident and the party at fault had full coverage, they increased my premium by 200%.
Eric
Verified Review
Average
Reviewed in Pennsylvania on February 2025
This is a great insurance company! However, be aware that if you have an accident, your rates will double. They offer a rate lock, which is a fantastic option, but they don't disclose that if you purchase a new vehicle or change your policy, the rate lock becomes void and they update your rate. In my case, it more than doubled.
Maria
Verified Review
Excellent but Expensive
Reviewed in Maryland on February 2025
I have been with Erie for auto and home insurance for over 45 years. They provide excellent coverage and respond quickly to claims. However, I am now facing a 24% increase in my rate.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
676NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRAM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NRWhy we picked this company
Erie offers premium car insurance coverage at lower-than-average prices. Tennessee drivers can find common coverage options and add Erie Auto Plus, which includes benefits like a diminishing deductible and extended rental car coverage.
In addition to affordable rates, Erie has a reputation for excellent customer service provided by more than 10,000 independent agents. This is especially important, as you can only purchase policies through an agent.
Pros
Highest customer satisfaction in the region
Usually offers cheap rates
Ranks No. 1 for claims satisfaction
Cons
Can’t purchase a quote online
Poor reviews for the Android app
Limited online management tools
| User Reviews | 3.1 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $118/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $228/mo |
3.1
A solid optionBased on 20 verified guest reviews and ratings
How drivers feel about Nationwide
Drivers appreciate the available discounts but dislike the high prices and lack of communication.
AI-generated from the text of verified reviews collected by Compare.com
How drivers feel about Nationwide
Drivers appreciate the available discounts but dislike the high prices and lack of communication.
AI-generated from the text of verified reviews collected by Compare.com
Reviews (7)
David
Verified Review
Too late to change to another company
Reviewed in North Carolina on December 2025
I would shop around depending on how much coverage you need. Nationwide has handled my past claims, although, as you might suspect, there were some frustrating times spent trying to glean information from representatives. Nationwide has changed since I first started with them. They used to have independent agencies; now they seem to be just representative agencies with no real concern for people—just customers who pay their bills every month if they "accept" your business.
Ron
Verified Review
Nationwide is becoming a Chintzy Picky Company
Reviewed in Missouri on May 2025
I like Nationwide, but they have become very picky and want me to do too many repairs before they take my money and purchase insurance.
Richard
Verified Review
Ready for a Change...
Reviewed in Pennsylvania on January 2025
It seems expensive, and there's no communication with me!
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
669NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.7AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
You’ll find a strong range of coverage options with Nationwide, including diminishing deductibles, accident forgiveness, gap insurance, and total loss deductible waiver.
Low-mileage drivers can also find savings with SmartMiles, Nationwide’s top-rated usage-based insurance program. Nationwide offers fewer discounts than some competitors, and coverage isn’t available in every state.
Pros
High customer satisfaction scores
Great claims satisfaction
Highly rated mobile app
Cons
Not available in all states
Average range of discounts
No electric vehicle discount
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $49/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $94/mo |
3.9
A solid optionBased on 604 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
AI-generated from the text of verified reviews collected by Compare.com
Best For
How drivers feel about State Farm
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
AI-generated from the text of verified reviews collected by Compare.com
Best For
Reviews (303)
Edwin
Verified Review
Okay, but I would like a lower rate since a few companies are offering me rates of $450 for 6 months.
Reviewed in New York on December 2025
Okay, but I would like a lower rate since a few companies are offering me rates of $450 for 6 months.
Chester
Verified Review
Too Expensive
Reviewed in New York on December 2025
State Farm is too expensive, which is why I'm transferring.
Donald
Verified Review
Rates Too High
Reviewed in North Carolina on December 2025
I liked it up until they raised my rate to an unbelievably high amount, so now I'm looking for a different company.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
673NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm offers a wide range of coverages and a solid selection of discounts. The insurer is a good choice if you’re seeking affordable rates and dependable customer service. It has a large network of over 19,000 insurance agents ready to deliver personalized support.
That said, State Farm offers fewer discounts than competitors like GEICO. But its Drive Safe & Save program remains a strong telematics option. But drivers purchasing a new vehicle may want to look for another company that offers gap coverage.
Pros
AM Best financial strength rating of A++ (Superior)[4]
Above-average claims satisfaction rating
Strong customer satisfaction scores
Cons
Gap insurance not available
Accident forgiveness not available
Fewer discounts than some competitors
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Tennessee Auto Insurance Requirements
)
As is the case in most states, Tennessee law requires drivers to have minimum liability insurance that meets the following limits:
Bodily injury liability: $25,000 per person and $50,000 per accident
Property damage liability: $25,000 per accident
You can also add optional coverages such as:
Uninsured/underinsured motorist (UM/UIM) protection
Personal injury protection (PIP) or medical payment coverage (MedPay)
Tennessee also allows drivers to satisfy its financial responsibility requirements by posting a $65,000 bond with the state’s Department of Revenue.[5]
Is minimum coverage enough in Murfreesboro?
Even though state-minimum coverage satisfies Tennessee’s legal insurance requirements, the state’s low limits can leave you vulnerable. For example, if you cause an accident involving multiple vehicles, you could quickly exceed the $25,000 property damage limit. Any costs exceeding the limit are your responsibility.
That’s why insurance experts recommend raising your coverage limits and adding uninsured/underinsured motorist coverage.
Murfreesboro Auto Insurance FAQs
Here are answers to some of the most common questions drivers in Murfreesboro ask about car insurance and its costs.
How much is car insurance in Murfreesboro?
Our research shows that the average car insurance policy costs $110 per month in Murfreesboro. The average liability-only policy costs $77 per month, and the average full-coverage policy costs $144.
What’s the cheapest auto insurance company in Murfreesboro?
Mile Auto is the cheapest auto insurance company in Murfreesboro, with average rates costing $48 per month.
Is car insurance in Murfreesboro expensive?
Whether you see higher-than-average car insurance rates depends on several factors, including your vehicle, ZIP code, driving history, and age. That said, our data shows the average premium costs $110 per month in Murfreesboro, while the national average is $137 per month.
What is the cheapest car insurance company in Tennessee?
Our data shows that Sun Coast offers the cheapest car insurance rates on average in Tennessee, with rates starting at $44 per month.
Methodology
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
Sources
- Census.gov. "City and Town Population Totals: 2020-2024."
- Insurance Institute for Highway Safety. "Teenagers."
- National Highway Traffic Safety Administration. "Speeding."
- Ambest.com. "AM Best Affirms Credit Ratings of State Farm Mutual Automobile Insurance Company and Core Subsidiaries."
- Tennessee Department of Revenue. "DIFD-1 - Insurance Verification Overview."
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J.J. StarrInsurance Writer
J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
Lequita WestbrooksSenior Editor
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.