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Car Insurance in Murfreesboro, Tennessee: What You Should Know

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Like most states, Tennessee requires drivers to carry a minimum amount of car insurance to operate a motor vehicle on state roadways. Car insurance Murfreesboro, Tennessee, rates will vary from one driver to the next depending on a variety of factors, including driving history, driver age, and ZIP code.

Tennessee Car Insurance Requirements

SmartFinancial reports that Tennessee is a “fault” state, which is why it requires drivers to carry a minimum amount of liability insurance. If you’re a Murfreesboro driver, you should make sure your insurance policy includes the following:

  • Bodily Injury Coverage: $25,000 per person/$50,000 per accident.
  • Property Damage Coverage: $15,000 per accident.

    SmartFinancial points out that in the event of a serious accident, Tennessee’s minimum coverage requirements may not be enough to pay for all the damage. It suggests upping your liability limits to as much coverage as you can afford.

    How Much Do Murfreesboro Drivers Pay for Car Insurance?

    According to The Zebra, Murfreesboro drivers pay, on average, $1485 a year for car insurance. That’s less than both the statewide average of $1570 and the national average of $1548. Cheap Car Insurance notes that one reason Murfreesboro drivers pay less is that they have slightly shorter commute times than other drivers in the Nashville metro area and across the country. When drivers spend less time on the road, there’s less of a chance they’ll get in an accident.

    What Factors Affect Individual Car Insurance Rates?

    Depending on your profile, you could end up paying more or less for car insurance than the average Murfreesboro driver. The Zebra recommends that you shop around for quotes because each insurance provider uses a different formula to calculate rates, meaning that prices vary across the industry. Here’s what some of the leading providers in Murfreesboro charge, on average:

    • GEICO: $820 a year.
    • USAA: $942 a year.
    • State Farm: $1013 a year.
    • Erie: $1140 a year.
    • Tennessee Farmers: $1300 a year.

      No matter which car insurance provider you choose, you can count on your age to have a huge impact on the rates you pay. Drivers in their 50s, seen as the most responsible and lowest risk age group, tend to pay the lowest rates. Teen drivers, who have less driving experience and aren’t always the most responsible drivers, tend to pay the highest rates. Here’s what you can expect to pay based on your age group:

      • Ages 16 to 19: $5914 a year.
      • Ages 20 to 29: $2015 a year.
      • Ages 30 to 39: $1443 a year.
      • Ages 40 to 49: $1294 a year.
      • Ages 50 to 59: $1220 a year.
      • Ages 60 to 69: $1242 a year.
      • Ages 70 to 79: $1504 a year.

        The next factors that insurance companies look at when calculating rates are your gender and marital status. Because the data shows that female drivers are responsible for fewer accidents, they usually pay less than male drivers. The data also shows that married drivers tend to file fewer claims, earning them lower insurance rates than single drivers. The Zebra provides a breakdown of rates based on gender and marital status:

        • Female Drivers: $1444 a year.
        • Male Drivers: $1485 a year.
        • Single Drivers: $1370 a year.
        • Married Drivers: $1255 a year.
        • Divorced Drivers: $1489 a year.
        • Widowed Drivers: $1445 a year.

          Murfreesboro drivers who want to keep their car insurance rates down should focus on maintaining a clean driving record. If you are at fault in an accident, get a speeding ticket, or are cited for a DUI, you can count on a rate increase. Here’s what you can expect to pay for car insurance depending on the violation:

          • DUI/DWI: $2174 a year.
          • Reckless Driving: $2289 a year.
          • At-Fault Accident (with damages under $1000): $1948 a year.
          • At-Fault Accident (with damages over $2000): $2105 a year.
          • Speeding Ticket (16 to 20 mph over the speed limit): $1800 a year.

            Your credit rating also plays a significant part in determining your car insurance rates. You can earn a 63 percent decrease in rates by improving your credit rating from “Very Poor” to “Exceptional.” Just moving from the “Very Poor” tier to the “Fair” tier can yield significant savings. The Zebra reports that Murfreesboro drivers can expect to pay the following rates depending on their credit rating:

            • Poor (300 to 579): $3248 a year.
            • Fair (580 to 669): $1906 a year.
            • Good (670 to 739): $1485 a year.
            • Very Good (740 to 799): $1325 a year.
            • Exceptional (800 to 850): $1193 a year.

              Finally, your insurance provider will look at your ZIP code to see if you live in an area with high rates of car theft and vandalism. If you do, you can expect to pay higher rates. SmartFinancial provides the average rates Murfreesboro drivers pay depending on their ZIP code:

              • 37127: $950 a year.
              • 37128: $1086 a year.
              • 37129: $938 a year.
              • 37130: $977 a year.
              • 37133: $437 a year.

                How Can Murfreesboro Drivers Save Money on Car Insurance?

                Even if you’re a Murfreesboro driver in a high-risk group, you can save money on your car insurance. WalletHub suggests you take the following steps to get the best price possible:

                • Shop around for quotes. Whether you’re purchasing car insurance for the first time or you’re about to renew your current policy, shopping for and comparing quotes can save you money. While you might be tempted to go with a national provider, don’t rule out smaller regional companies. They might be more willing to offer you lower rates, and they often have excellent customer service ratings.
                • Maintain your coverage. Even if you don’t currently own a car, you should carry the minimum amount of insurance required by law. Insurance companies look at your coverage history and will charge you higher rates if you have any lapses in coverage.
                • Look for discounts. Most insurance companies offer an array of discounts you might qualify for. These include bundling discounts, safe driver discounts, and discounts for adding anti-theft devices to your vehicle.

                  Now that you know how insurance companies calculate insurance rates for Murfreesboro drivers, you can take the necessary steps to get a great deal on rates. The money you’ll save is well worth the time it takes to shop around for quotes.

                  Check this out if you need additional information, resources, or guidance on car insurance.


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