The Cheapest Auto Insurance Companies in Murfreesboro, Tennessee, in 2026

Sun Coast offers the cheapest car insurance in Murfreesboro, at just $48 per month.

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Car insurance costs an average of $108 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 Sun Coast, Mile Auto, and State Farm.

In this article, we’ll cover everything you need to know to find the best car insurance companies in town.

Key Takeaways
  • Sun Coast offers the cheapest car insurance rates in Murfreesboro, with an average monthly premium of $48.

  • The average cost of liability coverage in Murfreesboro is $74 per month, while full coverage averages $141.

  • 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 $108 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 in Murfreesboro, TN, are estimated rates current as of: Sunday, March 8 at 5:00 PM PDT. 
Company
sort ascsort desc
Average Monthly Premium
sort ascsort desc
Sun Coast$48
Mile Auto$51
State Farm$54
Progressive$57
Direct Auto$61
USAA$64
GEICO$71
Auto-Owners$74
Travelers$74
Erie$78
The General$78
Safeco$84
Dairyland$88
GAINSCO$93
Allstate$98
Farmers$107
National General$108
Root$109
Bristol West$114
Foremost$114
Elephant$116
Liberty Mutual$128
Nationwide$131
Chubb$153
State Auto$204
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on Sunday, March 8 at 5:00 PM PDT.

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
sort ascsort desc
Cheapest Insurer
sort ascsort desc
Average Monthly Premium
sort ascsort desc
Liability onlySun Coast$48
Full coverageSun Coast$89
TeensSun Coast$98
SeniorsSun Coast$41
Recent speeding ticketSun Coast$63
Recent at-fault accidentSun Coast$67
DUI convictionSun Coast$69
Excellent creditSun Coast$43
Poor creditSun Coast$60
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .

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Cheapest state-minimum coverage: Sun Coast

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 $74 per month. The chart below highlights the five cheapest insurers for state-minimum coverage in Murfreesboro, according to Compare.com data.

The below rates in Murfreesboro, TN, are estimated rates current as of: Sunday, March 8 at 5:00 PM PDT. 

Cheapest Liability Rates by Company

Company
Average Monthly Premium
Sun Coast$48
Mile Auto$51
State Farm$54
Progressive$57
Direct Auto$61
USAA$64
GEICO$71
Auto-Owners$74
Travelers$74
Erie$78
The General$78
Safeco$84
Dairyland$88
GAINSCO$93
Allstate$98
Farmers$107
National General$108
Root$109
Bristol West$114
Foremost$114
Elephant$116
Liberty Mutual$128
Nationwide$131
Chubb$153
State Auto$204

Cheapest full coverage: Sun Coast

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 $141 per month. Check out the chart below to find the insurers with the cheapest full-coverage premiums, according to our research.

The below rates in Murfreesboro, TN, are estimated rates current as of: Sunday, March 8 at 5:00 PM PDT. 

Cheapest Full-Coverage Rates by Company

Company
Average Monthly Premium
Mile Auto$89
Sun Coast$89
State Farm$105
USAA$123
Direct Auto$127
Progressive$131
GEICO$137
Auto-Owners$143
Travelers$143
Safeco$149
Erie$153
National General$169
The General$173
Elephant$174
Root$182
Allstate$192
Farmers$207
Liberty Mutual$217
GAINSCO$229
Bristol West$253
Nationwide$256
Foremost$266
Dairyland$269
Chubb$299
State Auto$398

Cheapest for teens: Sun Coast

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 $220 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.

The below rates in Murfreesboro, TN, are estimated rates current as of: Sunday, March 8 at 5:00 PM PDT. 

Cheapest Rates for Teens

Company
Average Monthly Premium
Sun Coast$98
Mile Auto$111
State Farm$111
Progressive$116
Direct Auto$124
USAA$126
GEICO$135
The General$145
Erie$152
Auto-Owners$157
Dairyland$161
Travelers$162
Safeco$179
GAINSCO$180
Root$200
Allstate$205
Bristol West$216
Elephant$218
Farmers$225
National General$231
Liberty Mutual$240
Nationwide$271
Chubb$334
State Auto$519

Cheapest for seniors: Sun Coast

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.

The below rates in Murfreesboro, TN, are estimated rates current as of: Sunday, March 8 at 5:00 PM PDT. 

Cheapest Rates for Seniors

Company
Average Monthly Premium
Mile Auto$40
Sun Coast$41
State Farm$42
Direct Auto$49
Progressive$49
USAA$52
GEICO$56
Auto-Owners$59
Travelers$59
Erie$60
The General$66
Safeco$73
Dairyland$74
GAINSCO$79
Allstate$80
Farmers$85
National General$85
Root$91
Bristol West$95
Elephant$96
Nationwide$100
Liberty Mutual$107
Chubb$116
State Auto$155

Cheapest after a ticket: Sun Coast

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.

The below rates in Murfreesboro, TN, are estimated rates current as of: Sunday, March 8 at 5:00 PM PDT. 

Cheapest Rates With a Ticket

Company
Average Monthly Premium
Sun Coast$63
Mile Auto$64
State Farm$70
Progressive$75
Direct Auto$78
USAA$85
GEICO$95
Travelers$99
Auto-Owners$99
Erie$106
The General$107
Dairyland$113
Safeco$113
GAINSCO$114
Allstate$131
National General$138
Farmers$141
Elephant$143
Bristol West$147
Root$149
Liberty Mutual$167
Nationwide$175
Chubb$200
State Auto$279

Cheapest after an accident: Sun Coast

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.

The below rates in Murfreesboro, TN, are estimated rates current as of: Sunday, March 8 at 5:00 PM PDT. 

Cheapest Rates With an Accident

Company
Average Monthly Premium
Sun Coast$67
Mile Auto$71
State Farm$73
Progressive$80
Direct Auto$85
USAA$88
GEICO$95
Auto-Owners$101
Travelers$102
Erie$106
The General$110
Dairyland$120
Safeco$121
GAINSCO$122
Allstate$135
Farmers$147
National General$147
Root$150
Bristol West$154
Elephant$156
Liberty Mutual$175
Nationwide$181
Chubb$209
State Auto$286

Cheapest after a DUI: Sun Coast

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 $155. 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.

The below rates in Murfreesboro, TN, are estimated rates current as of: Sunday, March 8 at 5:00 PM PDT. 

Cheapest Rates With a DUI

Company
Average Monthly Premium
Sun Coast$69
Mile Auto$74
State Farm$79
Progressive$82
Direct Auto$89
USAA$93
GEICO$102
Auto-Owners$108
Travelers$108
Erie$113
The General$114
Dairyland$128
Safeco$130
GAINSCO$136
Allstate$143
Farmers$156
National General$158
Root$159
Bristol West$166
Elephant$169
Liberty Mutual$187
Nationwide$191
Chubb$223
State Auto$279

Cheapest for bad credit: Sun Coast

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 $135. 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.

The below rates in Murfreesboro, TN, are estimated rates current as of: Sunday, March 8 at 5:00 PM PDT. 

Cheapest Rates With Bad Credit

Company
Average Monthly Premium
Sun Coast$60
Mile Auto$63
Progressive$71
Direct Auto$75
State Farm$78
USAA$78
GEICO$87
Travelers$91
The General$96
Safeco$103
Dairyland$108
Auto-Owners$110
Erie$114
GAINSCO$115
Allstate$121
Farmers$132
National General$133
Root$134
Bristol West$140
Elephant$143
Liberty Mutual$153
Nationwide$161
Chubb$245
State Auto$252

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.

Erie Insurance logo
User Reviews
4.9
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.
4.2 /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.
$78/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.
$153/mo
4.9
Best choiceBased on 19 verified guest reviews and ratings
Erie Insurance's score
Industry average
Coverage options4.23.2
Customer service4.23.6
Discounts3.42.9
Policy transparency4.23.1
Value4.22.9
Showing recent national reviewsSee all 9 Erie Insurance reviews
Enrique
Verified Review
Disappointed
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%.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
676
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
Not rated
AM 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).
Not rated
Why 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

Nationwide logo
User Reviews
3.5
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.
$131/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.
$256/mo
3.5
A solid optionBased on 22 verified guest reviews and ratings
Nationwide's score
Industry average
Coverage options3.03.2
Customer service4.03.6
Discounts3.02.9
Policy transparency0.03.1
Value3.02.9
Showing recent national reviewsSee all 7 Nationwide reviews
David
Verified Review
Too late to change to another company
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
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.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
669
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.7
AM 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

State Farm logo
User Reviews
4.1
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.
4.7 /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.
$54/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.
$105/mo
4.1
Best choiceBased on 742 verified guest reviews and ratings
State Farm's score
Industry average
Coverage options4.13.2
Customer service4.43.6
Discounts3.82.9
Policy transparency4.03.1
Value3.72.9
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
Showing recent national reviewsSee all 317 State Farm reviews
David
Verified Review
Good
Very good, but prices are going up.
Kimberly
Verified Review
Excellent
They are very friendly and helpful. They offer the cheapest price I've found.
Robert S
Verified Review
I have been with State Farm since 1959. I was 21, just out of the Navy. They have always taken care of my needs.
I have been with State Farm since 1959. I was 21, just out of the Navy. They have always taken care of my needs.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
673
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
AM 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

Find the Best Company for You

Local rates start as low as $48 per month.

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Tennessee Auto Insurance Requirements

Aerial view of a cityscape at sunset, featuring a prominent tall building and surrounding urban architecture under a colorful sky.

As is the case in most states, Tennessee law requires drivers to have minimum liability insurance that meets the following limits:

You can also add optional coverages such as:

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 $108 per month in Murfreesboro. The average liability-only policy costs $74 per month, and the average full-coverage policy costs $141.

  • What’s the cheapest auto insurance company in Murfreesboro?

    Sun Coast 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 $108 per month in Murfreesboro, while the national average is $136 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 $45 per month.

Sources

  1. Census.gov. "City and Town Population Totals: 2020-2024."
  2. Insurance Institute for Highway Safety. "Teenagers."
  3. National Highway Traffic Safety Administration. "Speeding."
  4. Ambest.com. "AM Best Affirms Credit Ratings of State Farm Mutual Automobile Insurance Company and Core Subsidiaries."
  5. Tennessee Department of Revenue. "DIFD-1 - Insurance Verification Overview."

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.

J.J. Starr
Written byJ.J. StarrInsurance Writer
J.J. Starr
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.

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