Rutherford County Auto Insurance Rates, Quotes, Agents & Reviews in TN

Rutherford County, TN Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Rutherford County, TN, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Rutherford County, TN are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Rutherford County, TN Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Rutherford County, TN with that of other cities in and around Rutherford County.

Rutherford County Nolensville Walterhill Eagleville Murfreesboro Smyrna
Average Insurance Rates $1,250 $1,681 $1,471 $1,452 $1,076 $1,074

Rutherford County, TN Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Rutherford County, TN based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Rutherford County $1,450 $1,225
Murfreesboro $1,751 $1,479
Walterhill $2,070 $1,749
Smyrna $1,655 $1,398
La Vergne $1,653 $1,396
Eagleville $1,465 $1,237
Nolensville $1,473 $1,244
Bell Buckle $1,378 $1,164

Rutherford County, TN Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Rutherford County, TN usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $4,056
20 Years $1,606
30 Years $1,237
40 Years $1,190
50 Years $1,102
60 Years $1,118
70 Years $1,301

Rutherford County, TN Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Rutherford County, TN can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,150 $350
3 Vehicles $3,225 $525
4 Vehicles $4,300 $700

Savings on 2 Vehicles bundle:$350

Savings on 3 Vehicles bundle:$525

Savings on 4 Vehicles bundle:$700


Rutherford County, TN Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Rutherford County, TN.

Location Average Insurance Cost Post DUI Insurance Rate
Rutherford County $1,250 $2,239
Murfreesboro $1,076 $1,928
Walterhill $1,471 $2,635
Smyrna $1,074 $1,924
La Vergne $1,075 $1,926
Eagleville $1,452 $2,601
Nolensville $1,681 $3,011
Bell Buckle $1,464 $2,623

Rutherford County, TN Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,072
Excellent (740-799) $1,224
Good (670-739) $1,303
Average (580-669) $1,699
Poor (300-579) $2,039

Rutherford County, TN Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
James Knight Allstate 416 Medical Center Pkwy Ste C, Murfreesboro, 37129 (615) 962-8662
Jason Sebastian State Farm 1614 Lee Victory Pkwy, Smyrna, 37167-6529 615-462-5626
Brindley Insurance Agency Travelers 515 ENON SPRINGS RD E, SMYRNA, 37167 615-220-1983
Bobby Allen State Farm 5249b Hickry Holw Pkwy, Antioch, 37013-3003 615-731-7457
Patrick H Carpenter Agency Nationwide 567 Cason Ln STE F, Murfreesboro, 37128 (615) 896-8484
Trey Helton State Farm 2650 Memorial Blvd Ste C, Murfreesboro, 37129-5138 615-895-0500
Mjc Insurance Group Liberty Mutual Independent 1506 Church St Ste 3, NASHVILLE, 37203 (615) 873-1988
Winsurance Agency Erie 750 Old Hickory Blvd Suite 150-1, Brentwood, 37027 None
Shane Miller Liberty Mutual 2615 Medical Center Parkway Suite 680, Murfreesboro, 37129 1-615-896-5339
Leonard Jordan State Farm 1408 Antioch Pike, Antioch, 37013-2711 615-834-0067

Rutherford County, TN Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$55 $1,305
Driver's Failure In Showing Documents +$121 $1,371
Driving With An Expired Registration +$129 $1,379
Driving At A Considerably Slow Pace +$271 $1,521
Using A Cellphone While Driving +$286 $1,536
Running A Red Light +$291 $1,541
Speeding +$306 $1,556
Driving A Vehicle Without The Required Permission +$389 $1,639
Driving With An Expired/Suspended License +$843 $2,093

Rutherford County, TN Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,200
Active Disabling Device $1,200
Tracking Device $1,175
Passive Disabling Device $1,163