Car Insurance in Murfreesboro, Tennessee
Estimated full coverage in Murfreesboro runs about $1,480 a year ($123/month) — ▲ +12% versus the Tennessee average, ranking 1st most expensive of the 10 Tennessee cities we cover.
Why car insurance in Murfreesboro costs more than the Tennessee average
Insurers price by territory, and Murfreesboro's numbers explain most of the gap. With 168,387 residents on 64.5 square miles, the city's density (2,609 people per square mile) is 6.4 times the density where the typical Tennessee resident lives (410). The average commute is 26.7 minutes (Tennessee: 25.7), and 72% of workers drive alone. Together these put our location factor at 1.12× the state baseline for liability and collision.
| Factor | Murfreesboro | Tennessee ref. | Why it matters |
|---|---|---|---|
| Population density | 2,609 / sq mi | 410 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 26.7 min | 25.7 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 9.0% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 71.6% | — | Share of workers commuting by car. |
| Public transit to work | 0.3% | — | Transit use lowers how much residents drive. |
| Work from home | 16.2% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 3.5% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 77.1 | 78.8 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Murfreesboro
Rates can change from one ZIP code to the next. Across 5 Murfreesboro ZIP codes, our full-coverage estimate ranges from $1,365 in 37127 to $1,455 in 37128. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 37128 | 79,268 | 1,399 | 28.6 min | 1.8% | $1,455 | −2% |
| 37129 | 63,652 | 796 | 26.9 min | 2.3% | $1,395 | −6% |
| 37130 | 58,064 | 1,073 | 25.0 min | 4.8% | $1,395 | −6% |
| 37127 | 21,499 | 457 | 27.8 min | 2.4% | $1,365 | −8% |
| 37132 | 2,704 | 4,383 | 16.1 min | — | $1,390 | −6% |
Minimum car insurance in Murfreesboro
Murfreesboro drivers follow Tennessee's rules: at least 25/50/25 liability coverage. Tennessee is at-fault (tort). We estimate state-minimum coverage in Murfreesboro at $505 a year, and $730 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $25,000 per person / $50,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $25,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | — Tennessee does not require personal injury protection. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | No | — Uninsured motorist coverage is included unless the named insured affirmatively declines it. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Underinsured protection is part of Tennessee's uninsured motorist coverage. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical payments coverage is optional. | Medical bills for you and your passengers |
The minimum property damage limit was raised from $15,000.
Risk factors that shape Murfreesboro premiums
Accidents
Tennessee recorded 1,197 traffic deaths, or 1.52 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Tennessee's vehicle theft rate is 226 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Chevrolet Pickup (Full Size) (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Rutherford County as relatively low for hail, relatively high for inland flooding and relatively high for strong wind, and very low for hurricanes.
Traffic & commuting
9.0% of Murfreesboro commuters spend an hour or more getting to work, and there are 1.90 vehicles per household. 16.2% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 59.5 | Comprehensive (car); roof claims (home) | |
| Tornado | 95.0 | Comprehensive; dwelling | |
| Hurricane | 52.7 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 93.4 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 84.8 | Comprehensive; dwelling | |
| Winter weather | 96.6 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Murfreesboro by driver profile
A clean-record driver in their 50s pays the least in our Murfreesboro model (about $1,360 for full coverage); an 18-year-old on their own policy pays about $4,065, and a DUI pushes a 30-something to $2,735.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,385 | $2,010 | $4,065 | $339 |
| Young adult (22) | $805 | $1,170 | $2,365 | $197 |
| Adult in their 30s | $505 | $730 | $1,480 | $123 |
| Adult in their 50s | $465 | $675 | $1,360 | $113 |
| Senior (72) | $565 | $820 | $1,655 | $138 |
| 30s, one at-fault accident | $730 | $1,060 | $2,145 | $179 |
| 30s, DUI on record | $935 | $1,355 | $2,735 | $228 |
Minimum vs. standard vs. full coverage in Murfreesboro
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $505 | $42 | $415–$595 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $730 | $61 | $600–$865 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,480 | $123 | $1,210–$1,745 |
Estimate your premium in Murfreesboro
Runs in your browser — nothing you enter is stored or sent to insurers.
Cheap car insurance in Murfreesboro: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Murfreesboro's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $105 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $105 | You're among the 16.2% of Murfreesboro workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $410 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $750 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $325 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Murfreesboro
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 33 offices listed below.
- Check complaint records with the Tennessee Department of Commerce and Insurance (complaint information) before you buy.
- Mention your ZIP code accurately — within Murfreesboro, our estimates differ by up to $90 a year between neighborhoods.
Car insurance agents near Murfreesboro, TN
We found 33 insurance offices within about 6 miles of central Murfreesboro, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
-
Ron Steed - Allstate
1810 Old Fort Pkwy, Ste F, Murfreesboro, TN 37129 -
AAA Insurance
TN -
Stuart Hamilton - Farmers Insurance
1500 Medical Ctr Pkwy, Murfreesboro, TN 37129 -
Jeff Flowers - GEICO
804 N Thompson Ln, Unit 1C, Murfreesboro, TN 37129 -
Celeste Middleton - State Farm
804 N Thompson Lane, Suite 1H, Murfreesboro, TN 37129 -
State Farm
TN -
Christopher Poplin - Allstate
1470 Battleground Dr, Murfreesboro, TN 37129 -
Erie Insurance
1602 W Northfield Blvd, Suite 8, Murfreesboro, TN 37129 -
Erie Insurance
530 Brandies Circle, Suite C, Murfreesboro, TN 37128 -
Mitch Fitzpatrick - State Farm
809 Industrial Drive, Murfreesboro, TN 37129 -
Liberty Mutual Insurance
TN -
Nationwide - Douglas Baird Morgan
TN -
Farmer Brothers Insurance
TN -
State Farm
TN -
Erie Insurance
120 E Main Street, Suite 350, Murfreesboro, TN 37130 -
Erie Insurance
508 S Church Street, Suite C, Murfreesboro, TN 37130 -
Farmers Insurance- Jacob Young Agency
201 E Main St, Murfreesboro, TN 37130 -
Erie Insurance
1703 First Place, Suite B, Murfreesboro, TN 37129 -
Derrick Maddox - Allstate
745 S Church St, Ste 501, Murfreesboro, TN 37130 -
Allstate
TN -
Richard A Moore - Farmers Insurance
925 S Church St, Murfreesboro, TN 37130 -
Kenzi Keene - Farmers Insurance
517 Highland Ter, Murfreesboro, TN 37130 -
Nationwide Insurance: Ameriagency
TN -
Cheryl Elaine Davis - Farmers Insurance
510 Uptown Sq, Murfreesboro, TN 37129 -
Jeremy Harvey Agency
412 Golden Bear Ct, Murfreesboro, TN 37128 -
Scott Andrew Stuible - Farmers Insurance
2395 New Salem Hwy, Murfreesboro, TN 37128 -
State Farm
TN -
Farmers Insurance - Kenzi Keene
TN -
Erie Insurance
210 Arnette Street, Suite 107, Murfreesboro, TN 37130 -
Farmers Insurance - T Kanakrieh Agency
5525 Franklin Rd, Murfreesboro, TN 37128 -
David Wilson - State Farm
2744 South Church Street, Murfreesboro, TN 37127 -
Farm Bureau Insurance
TN -
Carl James Tackett - Farmers Insurance
231 Veterans Pkwy, Murfreesboro, TN 37128
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Murfreesboro
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,105 | −25% |
| Subaru Outback | Wagon | $1,100 | −26% |
| Tesla Model 3 | Midsize car | $1,570 | +6% |
| Subaru Forester | Small SUV | $1,080 | −27% |
| Honda Civic | Compact car | $1,680 | +14% |
| Toyota Corolla | Compact car | $1,565 | +6% |
| Jeep Wrangler | Midsize SUV | $1,200 | −19% |
| Mazda CX-5 | Small SUV | $1,245 | −16% |
| MINI Cooper | Subcompact car | $1,115 | −25% |
| Tesla Model Y | Midsize SUV | $1,415 | −4% |
Car insurance in nearby Tennessee cities
- Franklin $1,415/yr · 24 mi
- Nashville $1,415/yr · 30 mi
- Clarksville $1,455/yr · 71 mi
- Chattanooga $1,325/yr · 86 mi
- Jackson $1,305/yr · 136 mi
- Knoxville $1,375/yr · 139 mi
- Memphis $1,385/yr · 206 mi
- Kingsport $1,305/yr · 221 mi
- Johnson City $1,330/yr · 228 mi
All Tennessee cities and state rules · Homeowners insurance in Murfreesboro
Frequently asked questions
How much is car insurance in Murfreesboro, TN?
We estimate full coverage in Murfreesboro at about $1,480 a year ($123 a month) for a driver in their 30s with a clean record, and about $505 for Tennessee's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Murfreesboro more expensive than the Tennessee average?
Our Murfreesboro estimate is 12% higher than the statewide figure. The model reflects a population density of 2,609 people per square mile (the typical Tennessee resident lives at about 410) and an average commute of 26.7 minutes versus 25.7 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Murfreesboro?
Drivers in Murfreesboro follow Tennessee law: at least 25/50/25 liability coverage.
Which ZIP code in Murfreesboro has the cheapest car insurance?
Among Murfreesboro's 5 ZIP codes, 37127 has the lowest estimate (about $1,365 a year for full coverage) and 37128 the highest (about $1,455), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Murfreesboro?
An 18-year-old with their own full-coverage policy would pay around $4,065 a year in Murfreesboro by our estimate ($1,385 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Murfreesboro?
Yes. FEMA's National Risk Index rates Rutherford County for inland (river) flooding (relatively high) and tornado (relatively high) risk. Weather mainly affects the comprehensive part of a policy, which pays for hail, flood and wind damage.
Are there car insurance agents near me in Murfreesboro?
We list 33 insurance offices in and around Murfreesboro, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Tennessee Department of Revenue: Financial Responsibility Law
- Tennessee Department of Safety: Do I need SR-22 Insurance?
- NAIC 2022/2023 Auto Insurance Database Report, Table 41 (liability limits history)
- Tennessee Insurance: File an Insurance Complaint
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Murfreesboro and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places