GoAuto can save you money on car insurance, even if you’re a high-risk driver. Here’s how:
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.
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 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.
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.
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.
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.
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: 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. For official guidelines on state requirements and registration, you can visit the official Tennessee Department of Safety & Homeland Security website.
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.