Murfreesboro Car Insurance

Your Complete Guide to Murfreesboro, TN Car Insurance

Find the right car insurance policy for you.

Murfreesboro is Tennessee’s fastest-growing city, and it is one of the fastest-growing cities in the nation, as well. This means that more people are on the roads every day and existing infrastructure may not be sufficient to absorb the extra usage. As a result, heavy traffic, frustration, and serious car accidents can happen at any time. Drivers in Murfreesboro can have some peace of mind when they head out on the roads if they purchase a reliable car insurance policy. 

Car accidents can cause a tremendous amount of stress and financial burden for everyone involved, but with auto insurance, you can be sure that you’ll be able to recover and move on with your life. A local independent insurance agent can help take the confusion out of car insurance. Your agent can explain your options, obtain multiple quotes for comparison, and help you make the right choice. 

Tennessee Car Insurance Requirements

If you own a vehicle in Tennessee, you are required to purchase auto insurance. But this isn’t the only reason to have car insurance. Without it, you are entirely unprotected from the financial consequences of causing a crash. The following are the minimum coverage requirements for Tennessee drivers:

  • Bodily injury liability: Required
  • Property damage liability: Required
  • Personal injury protection (PIP): Not required
  • Uninsured motorist coverage: Not required
  • Minimum liability limits: 25/50/15; coverage up to $50,000 for all persons injured in an accident, subject to a limit of $25,000 for one individual; and $15,000 coverage for property damage

The state mandates a certain amount of auto liability insurance so that you can pay for other drivers’ expenses if you cause a crash. But if you only purchase the minimum amount of coverage required by the state, you could be seriously underinsured. Major collisions often include paying medical bills for your passengers or other drivers, vehicle repair costs, and even attorney fees and settlements or judgments levied against you if you are sued for negligence. 

These can easily add up to more than the minimum liability coverage. How would you pay for the rest of what you owe? Purchasing more robust coverage limits on your auto insurance policy is a good idea. For even more coverage, you can purchase a personal umbrella policy, which offers protection beyond the limits of your auto insurance policy. An independent insurance agent can help determine how much liability coverage is necessary to adequately protect your assets should the worst happen. 

How Much Does Auto Insurance Cost in Murfreesboro, TN?

Tennessee is the 24th most expensive state for car insurance. Average car insurance rates in Murfreesboro are lower than the state average, which is great news for local residents. 

  • National average annual car insurance cost: $1,311
  • Tennessee average annual car insurance cost: $1,263
  • Murfreesboro average annual car insurance cost: $1,193

Remember, auto insurance rates often vary significantly from one driver to the next, so your rates may be more or less than average. This is because insurance companies base your rates on several of your unique characteristics that help them determine how likely you are to get into an accident or file a claim. Your age, gender, and marital status help insurance companies determine whether you might be a risky driver. They also evaluate your driving history and credit score, as well as the year, make, and model of the car you drive. 

They will evaluate the same characteristics for every driver in your household and will base your rates on your level of risk as well as the coverage limits, coverage options, and deductibles that you choose. You can usually save some money by qualifying for discounts. Most insurance companies offer discounts for customers who bundle several policies together, such as car and home insurance. An independent insurance agent in Murfreesboro can help you compare quotes, choose policy options, and maximize your discounts. 

Number of Uninsured Drivers in Tennessee

Driving without insurance is against the law in Tennessee, yet many drivers continue to drive without coverage and put everybody else on the road at risk. If you are hit by an uninsured driver, chances are you will have to pay for your own medical expenses and vehicle repairs.

  • How many US drivers are uninsured? 12.6%
  • How many Tennessee drivers are uninsured? 20%

Uninsured motorist coverage is not required in Tennessee, but it is an essential part of any complete car insurance policy. You’ll be reimbursed for your accident-related expenses, even if your insurance company can’t collect from the at-fault driver. 

Number of Auto Thefts in Tennessee

The auto theft rate across the state of Tennessee is lower than the national average, and in Murfreesboro, your chance of being a victim of auto theft is even lower. 

  • National auto theft rate per 1,000 vehicles: 2.94
  • Tennessee auto theft rate per 1,000 vehicles: 2.27
  • Murfreesboro auto theft rate per 1,000 vehicles: 1.53

Comprehensive coverage is the protection you need if your car is stolen or vandalized. It reimburses you for your lost or damaged car, and it also offers coverage for many kinds of “other than collision” vehicle damage, such as damage from falling objects, floods, structure fires, and more. Talk to a local insurance agent about comprehensive coverage and how it can help you pay to repair your car in a variety of unforeseen circumstances. 

Why Contact an Independent Insurance Agent?

Independent insurance agents can explain your coverage options, answer your questions, and provide you with customized car insurance quotes from multiple insurance companies. With the help of an independent agent, you can make an informed choice. 

Start your search by contacting an independent agent in or near Murfreesboro.

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