Start Saving Money
GoAuto can save you money on car insurance, even if you’re a high-risk driver. Here’s how:
NO COMMISSIONED AGENTS
NO EXPENSIVE ADD-ONS
LOW AND AFFORDABLE DOWN PAYMENTS
CUSTOM PAYMENT PLANS
Choose your payment date
From the Stones River to the Geographic Center of Tennessee
Murfreesboro is a city where deep Civil War history meets the rapid-fire growth of a modern university town. Known as the “Heart of Tennessee,” it’s home to the Stones River, the historic Oaklands Mansion, and a thriving downtown square that serves as the anchor for the entire county. From walking the hallowed grounds of the Stones River National Battlefield to enjoying a summer concert on the Courthouse lawn, Murfreesboro offers a blend of historic reverence and high-energy expansion that’s entirely its own.
The Murfreesboro Public Square serves as the city’s social heart, lined with locally owned shops, restaurants, and the iconic pre-war courthouse. Beyond the center, neighborhoods like Blackman, Northfield, and the areas surrounding Middle Tennessee State University offer a mix of suburban comfort and student life that make “The Boro” a fast-paced and family-friendly place to call home.
With major commuter arteries like I-24, Old Fort Parkway (Hwy 96), and Broad Street—plus the heavy campus traffic on Rutherford Boulevard and Middle Tennessee Blvd—having the right car insurance is essential for every Murfreesboro driver. GoAuto Insurance understands the specific needs of Rutherford County residents and provides affordable coverage options to keep you protected whether you’re commuting to Nashville or heading to class.
The Boro
Murfreesboro’s food scene is a tribute to Southern hospitality and college-town staples—from classic meat-and-threes to the city’s growing variety of international cuisines. Whether you’re grabbing a quick bite near the university or enjoying a sit-down meal in the historic Gateway district, the flavors here reflect a city that is proud of its heritage while embracing its future.
The city is steeped in academic and athletic tradition. As the home of Middle Tennessee State University, the city turns blue on game days to support the MTSU Blue Raiders. Between the cheers at Floyd Stadium and the activity at Murphy Center, the university’s influence is woven into the very fabric of the community. Murfreesboro is a city of pioneers, from its days as the state’s early capital to its current status as one of the fastest-growing cities in the United States.
But Murfreesboro drivers also know the importance of staying prepared for Middle Tennessee’s unique conditions—from heavy spring thunderstorm systems to the intense morning and evening commuter rushes on I-24. That’s why so many choose GoAuto Insurance. With deep local experience and an understanding of Tennessee’s at-fault insurance laws, we offer dependable coverage so you can focus on the local history, the Blue Raider games, and the life you love in Murfreesboro.
Tennessee Car Insurance Requirements
Financial Responsibility and Liability Coverage
Tennessee is an at-fault state, which means the driver responsible for causing an accident is financially liable for the resulting damages. To drive legally in the Volunteer State, you must provide proof of financial responsibility. Most drivers meet this requirement by carrying a liability insurance policy with the following minimum limits:
Bodily Injury Liability: $25,000 per person
Total Bodily Injury Liability: $50,000 per accident
Property Damage Liability: $25,000 per accident
These “25/50/25” limits are the legal floor. They help pay for the medical bills, lost wages, and vehicle repairs of other parties if you are found to be at fault in a collision.
Modified Comparative Fault (The 50% Rule)
Tennessee follows a modified comparative negligence system. This means your ability to recover damages depends on your percentage of fault:
The 50% Bar: You can only recover money if you are found to be less than 50% responsible for the accident. If you are 50% or more at fault, you cannot collect any damages from the other driver.
Proportional Reduction: If you are partially at fault (e.g., 20%), your total compensation will be reduced by that percentage.
Optional Coverages for Tennessee Drivers
While only liability is mandated by state law, many Tennessee residents choose additional protections to account for the state’s high rate of uninsured drivers and unpredictable weather.
Uninsured or Underinsured Motorist (UM/UIM)
Tennessee has one of the highest percentages of uninsured drivers in the nation. By law, insurance companies must offer you UM/UIM coverage. While you can reject it in writing, most experts recommend keeping it. This coverage protects you if you are hit by a driver who has no insurance or whose limits are too low to cover your medical bills.
Medical Payments (MedPay)
Since Tennessee is not a “no-fault” state, it does not use Personal Injury Protection (PIP). Instead, you can add MedPay, which covers the medical expenses for you and your passengers regardless of who caused the accident.
Comprehensive and Collision
Comprehensive: Covers “acts of God” and non-collision events, such as damage from frequent spring storms, hail, falling branches, or theft.
Collision: Pays to repair or replace your own vehicle after an accident, even if you were at fault.
Note: If your vehicle is currently financed or leased, your lender will likely require you to carry both Comprehensive and Collision coverage as part of your agreement.
Recent Content
Frequently Asked Questions
Who has the cheapest car insurance in Murfreesboro?
While it’s difficult to say who has the absolute cheapest rate, GoAuto Insurance helps you save through its direct-to-consumer model with no commissioned agents, no unnecessary add-ons, and customizable payment options that fit your budget.
Instead of one-size-fits-all pricing, GoAuto Insurance focuses on providing essential coverage at affordable rates so you can stay protected on the road without paying for extras you don’t need.
In Murfreesboro, do national car insurance providers have lower rates than regional options?
Regional providers like GoAuto Insurance operate with lower overhead and more local insight, allowing competitive rates tailored to Murfreesboro drivers.
We understand the factors that affect drivers in Murfreesboro, from coastal weather conditions to urban traffic patterns, helping us design coverage that’s practical, cost-effective, and straightforward.
How do I lower my car insurance in Murfreesboro?
Maintaining a clean driving record, opting for higher deductibles, and exploring discount opportunities can also make a difference.
At GoAuto Insurance, we keep things simple — offering flexible payment plans and affordable coverage options without the hidden costs. You can explore money-saving tips and car insurance insights on our blog to make informed decisions about your coverage.
Explore Murfreesboro Car Insurance Quotes
Get the best coverage options in Murfreesboro by connecting with a dedicated agent, finding a sales office near you or receiving your free online quote today.