Car Insurance in Murfreesboro, TN – 2024 Rates + Cheapest Autos

• Murfreesboro car insurance rates cost an average of $1,764 per year, or approximately $147 per month.
• Car insurance rates for a few popular models in Murfreesboro include the Ram Truck at $2,040 per year, Ford F-150 at $1,974, and Nissan Sentra at $1,618.
• For cheap car insurance in Murfreesboro, TN, compact crossovers like the Volkswagen Tiguan, Mazda CX-5, Toyota Corolla Cross, and Chevrolet Trailblazer have some of the most affordable rates.

How much does car insurance cost in Murfreesboro?

In Murfreesboro, the average car insurance expense is $1,764 per year, which is 6.5% less than the overall U.S. national average rate of $1,883. Per month, Murfreesboro drivers can expect to pay an average of $147 for a policy with full coverage.

In the state of Tennessee, the average car insurance cost is $1,824 per year, so the cost in Murfreesboro averages $60 less per year. The average cost of insurance in Murfreesboro compared to other Tennessee cities is around $4 per year more than in Chattanooga, $108 per year cheaper than in Nashville, and $450 per year cheaper than in Memphis.

The age of the driver significantly impacts the price you pay for auto insurance, so the list below illustrates this point by breaking down average car insurance rates depending on driver age.

Average car insurance rates in Murfreesboro for drivers age 16 to 60

• 16-year-old rated driver – $6,284 per year or $524 per month
• 17-year-old rated driver – $6,085 per year or $507 per month
• 18-year-old rated driver – $5,454 per year or $455 per month
• 19-year-old rated driver – $4,970 per year or $414 per month
• 20-year-old rated driver – $3,548 per year or $296 per month
• 30-year-old rated driver – $1,880 per year or $157 per month
• 40-year-old rated driver – $1,764 per year or $147 per month
• 50-year-old rated driver – $1,564 per year or $130 per month
• 60-year-old rated driver – $1,464 per year or $122 per month

The chart below shows average auto insurance rates in Murfreesboro for 2024 model year vehicles not only by the age of the driver, but also by three different policy deductible amounts.

Average rates in the chart above range from $1,240 per year for a 60-year-old driver with $1,000 deductibles for comprehensive and collision coverage to $4,126 per year for a 20-year-old driver with $250 deductibles. The average rate we use for comparison of different segments, models, and locations is a 40-year-old driver with $500 comprehensive and collision coverage deductibles, which has an average cost of $1,764 per year.

As a monthly price, average car insurance cost in Murfreesboro ranges from $103 to $344 for the same deductible limits and driver ages shown in the prior chart.

Car insurance rates have different premiums for every driver and slight changes in driver risk profiles can have measureable effects on car insurance cost. Due to the high likelihood of rate variability, this increases the need for accurate auto insurance quotes when shopping online for the cheapest Murfreesboro auto insurance.

Popular models and the cost of insurance

The car insurance rates referenced up to this point are an average for all 2024 vehicle models, which is useful when making generalized comparisons such as the cost difference between two locations.

Average auto insurance rates are perfect when answering questions like “are Murfreesboro car insurance rates cheaper than in Knoxville?” or “is car insurance in Tennessee cheaper than Texas?”.

For more comprehensive rate comparisons, however, it makes better sense to use rates for the specific model of vehicle being insured. Every model has slightly different risk characteristics for determining the cost of auto insurance and this data enables cost comparisons.

The next chart breaks down average car insurance cost for the more popular models that you will find in Murfreesboro.

Models that are popular in Murfreesboro tend to be compact and midsize sedans like the Toyota Corolla, Honda Civic, and Kia K5 and compact or midsize SUVs like the Chevy Equinox and Ford Explorer.

A few additional popular vehicles in Murfreesboro from other vehicle segments include luxury models like the Tesla Model S, Cadillac XT5, and Lexus RX 350 and sports cars like the Chevy Corvette, Ford Mustang, and Nissan GT-R.

We get into additional rates a little later in this article, but before we get into that data, let’s make a quick review of some of the concepts that we covered in this first section.

• Car insurance rates decline considerably in your twenties – The average 30-year-old Murfreesboro, TN, driver will pay $1,668 less each year than a 20-year-old driver, $1,880 compared to $3,548.
• Monthly car insurance cost ranges from $122 to $524 – That’s the average car insurance cost range for drivers from age 16 to 60 in Murfreesboro.
• Insuring a teenager can cost a lot – Average rates range from $4,197 to $6,284 per year for teen driver car insurance in Murfreesboro, Tennessee.
• Murfreesboro car insurance costs less than the U.S. average – $1,764 (Murfreesboro average) compared to $1,883 (U.S. average)
• Murfreesboro auto insurance prices are cheaper than the Tennessee state average – $1,764 (Murfreesboro average) versus $1,824 (Tennessee average)

What are the cheapest vehicles to insure in Murfreesboro?

The vehicles with the best auto insurance rates in Murfreesboro, TN, tend to be crossover SUVs like the Kia Soul, Subaru Crosstrek, and Buick Envision.

Average car insurance quotes for those vehicles cost $1,430 or less per year ($119 per month) for a policy with full coverage.

Some other models that rank very well in the cost comparison table below are the Kia Niro, Honda CR-V, Nissan Murano, and Chevrolet Colorado. Average rates are marginally higher for those models than the compact SUVs at the top of the rankings, but they still have an average cost of $1,514 or less per year.

The next table ranks the cheapest vehicles to insure in Murfreesboro, ordered starting with the cheapest.

A table of 50 vehicle rankings is fine if you just want a vehicle with dirt cheap insurance rates. A better way to analyze rates in a manner that is not overwhelming is to sort them by segment. The six sections below show the vehicles with the most affordable insurance rates in Murfreesboro for the six main automotive segments.

Cheapest cars to insure in Murfreesboro

The four highest ranking non-luxury cars with the cheapest insurance rates in Murfreesboro are the Toyota GR Corolla at $1,532 per year, Nissan Leaf at $1,546 per year, Honda Civic at $1,562 per year, and Nissan Sentra at $1,618 per year.

Additional models that have affordable insurance rates include the Kia K5, Hyundai Ioniq 6, Chevrolet Malibu, and Toyota Prius, with an average cost of $1,712 per year or less.

In the lower half of the top 20 cars to insure, models like the Nissan Versa, Kia Forte, Toyota Corolla, Mitsubishi Mirage G4, and Mazda 3 average between $1,712 and $1,824 per year for auto insurance.

From a cost per month standpoint, full-coverage insurance in this segment for an average middle-age driver can cost as low as $128 per month, depending on your location. The next table ranks the twenty cars with the cheapest car insurance in Murfreesboro, starting with the Toyota GR Corolla at $1,532 per year and ending with the Mazda 3 at $1,824 per year.

See our guides for compact car insurance, midsize car insurance, and full-size car insurance to view any vehicles not shown in the table.

Don’t see insurance cost for your vehicle? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Murfreesboro car insurance quotes from top-rated auto insurance companies in Tennessee.

SUVs with cheap car insurance

Sitting at number one in Murfreesboro for cheapest auto insurance in the SUV segment is the Subaru Crosstrek, at $1,302 per year. Second place is the Chevrolet Trailblazer at $1,328 per year, ranking third is the Kia Soul, at an average of $1,378 per year, and the fourth most affordable is the Nissan Kicks, at an average of $1,388 per year.

Rounding out the top 10 are models like the Toyota Corolla Cross, Ford Bronco Sport, Buick Envision, and Mazda CX-5, with average cost of $1,444 per year or less.

Full-coverage auto insurance in this segment for a good driver will start around $109 per month, depending on your location and insurance company.

When prices are compared by vehicle size, the cheapest non-luxury compact SUV to insure in Murfreesboro is the Subaru Crosstrek at $1,302 per year. For midsize 2024 models, the Honda Passport has the best rates at $1,406 per year. And for full-size SUVs, the Chevrolet Tahoe has the cheapest rates at $1,658 per year.

The next table ranks the SUVs with the cheapest average insurance rates in Murfreesboro, starting with the Subaru Crosstrek at $1,302 per year and ending with the Honda HR-V at $1,536 per year.

See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view any vehicles not shown in the table.

Don’t see rates for your SUV? No sweat! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Murfreesboro car insurance quotes from top companies in Tennessee.

Cheap pickup trucks to insure in Murfreesboro

The most affordable pickup trucks to insure in Murfreesboro are the Chevrolet Colorado at $1,508 per year, the Nissan Titan at $1,648 per year, and the Nissan Frontier at $1,668 per year.

Not the cheapest pickups to insure, but still affordable, are trucks like the Hyundai Santa Cruz, Honda Ridgeline, Toyota Tacoma, and GMC Sierra 2500 HD, with average insurance cost of $1,814 per year or less.

Car insurance in this segment can cost as low as $126 per month, depending on the company and your location. The next table ranks the twenty pickups with the most affordable average auto insurance rates in Murfreesboro, starting with the Chevrolet Colorado at $1,508 per year and ending with the Ram Truck at $2,040 per year.

For more pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.

Don’t see insurance cost for your pickup? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top companies in Tennessee.

Cheapest luxury car insurance rates

Ranking in the top five for the most affordable Murfreesboro car insurance rates in the luxury car segment are the Acura Integra, Lexus IS 300, Mercedes-Benz CLA250, Acura TLX, and BMW 330i. Auto insurance prices for these models average $1,826 or less per year.

Other luxury cars that have affordable average insurance rates are the Lexus ES 350, Mercedes-Benz AMG CLA35, Cadillac CT4, and Lexus RC 300, with average annual insurance rates of $1,854 per year or less.

Ranked in the lower half of the top 20, cars like the Cadillac CT5, Lexus ES 250, Lexus ES 300h, BMW 228i, Jaguar XF, and BMW 330e cost between $1,854 and $1,978 per year for insurance.

Auto insurance in this segment will start around $131 per month, depending on your company and location. The comparison table below ranks the twenty cars with the cheapest average auto insurance rates in Murfreesboro, starting with the Acura Integra at $131 per month and ending with the Audi S3 at $165 per month.

See our comprehensive guide for luxury car insurance to view data for vehicles not featured in the table.

Looking for a different vehicle? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Murfreesboro car insurance quotes from top auto insurance companies in Tennessee.

Cheapest luxury SUVs to insure in Murfreesboro, TN

The four lowest-cost luxury SUV models to insure in Murfreesboro are the Acura RDX at $1,474 per year, Lexus NX 250 at $1,560 per year, Cadillac XT4 at $1,594 per year, and Jaguar E-Pace at $1,648 per year.

Additional models that have affordable insurance rates include the Lexus UX 250h, Lexus NX 450h, Lexus NX 350h, and Lincoln Corsair, with average rates of $1,700 per year or less.

Auto insurance in Murfreesboro for this segment for the average driver starts at around $123 per month, depending on the company. The next table ranks the twenty SUVs with the lowest-cost insurance rates in Murfreesboro, starting with the Acura RDX at $1,474 per year ($123 per month) and ending with the Lexus NX 350 at $1,768 per year ($147 per month).

For all luxury SUV comparisons, see our complete guide for luxury SUV insurance.

Need rates for a different luxury SUV? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Murfreesboro car insurance quotes from the best auto insurance companies in Tennessee.

Most affordable sports car insurance

Ranking in the top five for the most affordable Murfreesboro car insurance rates in the performance and sports car segment are the Subaru WRX, Mazda MX-5 Miata, Ford Mustang, Toyota GR86, and BMW Z4. Car insurance prices for these vehicles average $1,982 or less per year.

Also ranking well in our comparison are cars like the BMW M2, Lexus RC F, Nissan Z, and Subaru BRZ, with an average cost to insure of $2,110 per year or less.

Car insurance in Murfreesboro for this segment starts at an average of $136 per month, depending on your location. The rate comparison table below ranks the twenty sports cars with the most affordable insurance in Murfreesboro, starting with the Mazda MX-5 Miata at $136 per month and ending with the Porsche Taycan at $249 per month.

Don’t see insurance cost for your sports car? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from the best auto insurance companies in Murfreesboro.

What to expect when buying Murfreesboro car insurance

To reinforce the extent to which auto insurance premiums can deviate between drivers (and also stress the importance of getting lots of rate quotes), the examples below contain detailed auto insurance rates for three popular vehicles in Murfreesboro: the Ford F150, Nissan Sentra, and Kia Sorento.

Each vehicle example uses a variety of risk profiles to demonstrate how rates have significant variation based on multiple scenarios.

Ford F150 insurance rates

Auto insurance for a Ford F150 in Murfreesboro averages $1,974 per year ($165 per month) and varies from $1,636 to $4,558 for the specific drivers displayed in the insurance cost chart below.

The Ford F150 is a full-size truck, and other similar models from the same segment include the Nissan Titan, Toyota Tundra, and Ram Truck.

Nissan Sentra insurance rates

Nissan Sentra insurance in Murfreesboro averages $1,618 per year, or around $135 per month, and varies from $1,344 to $3,672 per year.

The Nissan Sentra belongs to the compact car segment, and other models in the same segment include the Chevrolet Cruze, Hyundai Elantra, Volkswagen Jetta, and Honda Civic.

Kia Sorento insurance rates

Auto insurance for a Kia Sorento in Murfreesboro costs an average of $1,674 per year (about $140 per month) and varies from $1,388 to $3,842 per year.

The Kia Sorento belongs to the midsize SUV segment, and other models in that segment include the Honda Pilot, Kia Telluride, and Toyota Highlander.

Tips for getting cheaper Murfreesboro auto insurance quotes

Murfreesboro drivers should always be searching for ways to pay less for insurance So review the savings concepts in this next list and maybe you can save some money when buying car insurance.

• Make your policy cheaper by raising deductibles. Increasing your policy deductibles from $500 to $1,000 could save around $300 per year for a 40-year-old driver and $588 per year for a 20-year-old driver.
• Pay small claims out-of-pocket. Most insurance companies offer a discount if you have not filed any claims. Auto insurance should only be used for significant claims, not for minor claims.
• Shop around anytime. Taking a couple of minutes every year or so to get free car insurance quotes could significantly reduce the cost of insurance. Rates change quite often and switching companies is very easy to do.
• Raise your credit score for cheaper rates. Having a high credit score of 800+ could save around $277 per year compared to a lower credit score of 670-739. Conversely, a below average credit rating could cost up to $321 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
• Compare rates before you buy the car. Different models, and even different trim levels of the same model, have very different car insurance rates, and insurers can price policies with a wide range of prices. Check rates before you buy a new car in order to prevent insurance sticker shock when you get your insurance bill.
• Your employment could save you money. The vast majority of auto insurance companies offer discounts for certain professions like police officers and law enforcement, high school and elementary teachers, doctors, college professors, nurses, emergency medical technicians, and others. By earning this discount, you could save between $53 and $172 on your car insurance bill, depending on the age of the driver.