Murfreesboro has 161,445 residents in 60,683 households. We list 4 agencies for health insurance in Murfreesboro. Here is what the local numbers say about the cover people here need.

Murfreesboro at a glance

4health insurance agencies listed
47.6%of households rentRenters insurance
$402,100median home valueHome insurance
2002median year homes were builtRebuild cost calculator
3.5%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Rutherford County

FEMA rates the overall natural hazard risk in Rutherford County, where most Murfreesboro agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:

Winter weatherVery High
TornadoRelatively High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Tennessee
Inland floodingRelatively High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance
LightningRelatively High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Tennessee
Strong windRelatively High
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Tennessee

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Tennessee

Tennessee requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $25,000 of property damage liability, often written 25/50/25.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Tennessee How much liability cover do you need?

Source: tn.gov. Checked 2026-10-24.

Where Murfreesboro agencies are

Murfreesboro agencies we list sit in 2 ZIP codes, mostly in Rutherford County.

371303 agencies
371281 agency

Questions

Health insurance in Murfreesboro

All insurance agencies in Murfreesboro · Health insurance across Tennessee

Where can I find health insurance in Murfreesboro?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does health insurance cover?

Individual and family medical cover outside an employer plan.

Do I need flood insurance in Murfreesboro?

FEMA's National Risk Index rates inland flooding risk in Rutherford County as Relatively High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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