Compare Clarksville, TN Car Insurance Rates (2021)

The cheapest Clarksville, TN car insurance company is USAA, followed by Travelers. On average, Clarksville residents pay $296 per month or $3,555 per year for auto insurance. However, your Clarksville, TN car insurance rates vary based on your driving record, age, and coverage needs. Legally, Clarksville drivers must carry the Tennessee minimum car insurance limits of 25/50/15 in liability coverage.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

Full Bio →

Written by

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Mar 26, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's What You Need to Know

  • The cheapest Clarksville, TN car insurance company is USAA, followed by Travelers
  • Severe weather, minor traffic congestion, and auto theft rates influence your Clarksville, TN car insurance costs
  • Clarksville insurance rates are average compared to the rest of Tennessee

Clarksville, Tennessee car insurance costs average $296 per month or $3,555 annually. Overall, Clarksville, TN car insurance rates are average compared to the rest of the state.

Below, discover what insurance companies in Clarksville are cheapest, and learn how to secure cheap car insurance in your city regardless of your age, driving record, and coverage needs.

When you’re ready to buy Clarksville, TN car insurance, enter your ZIP code into our free quote tool above to receive rates from reputable providers near you immediately.

What is the cheapest car insurance company in Clarksville, TN?

The cheapest Clarksville, TN car insurance company is USAA, but only military personnel can use its services.

The next most affordable Clarksville, TN car insurance quotes available to everyone come from Travelers.

Below, compare the top Clarksville insurance providers from least to most expensive:

  • USAA – $2,668.75
  • Travelers – $2,691.29
  • Farmers – $2,722.22
  • State Farm – $2,789.67
  • GEICO – $3,246.78
  • Nationwide – $3,322.46
  • Progressive – $3,573.14
  • Allstate – $4,814.39
  • Liberty Mutual – $6,174.77

For genuinely affordable Clarksville, TN auto insurance rates, compare quotes from more than one of the providers listed above.

Each company calculates rates in slightly different ways. Your age, driving record, and coverage needs all influence your total premiums.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

What car insurance coverage is required in Clarksville, TN?

Clarksville drivers need to meet the Tennessee car insurance requirements to drive on the roads legally.

Currently, Tennessee residents must carry the following limits:

  • $25,000 per person and $50,000 per incident in bodily injury liability coverage
  • $15,000 in property damage liability coverage

Tennesee is an at-fault or tort state. If you are found responsible for causing an accident, you use your liability car insurance coverage to pay for the damages to the other party involved.

What is the penalty for driving without car insurance in Tennessee? You face immediate suspension of your license and registration, as well as potential fines.

What affects car insurance rates in Clarksville, TN?

Minor traffic congestion and auto theft statistics influence your Clarksville insurance costs. The Clarksville, TN weather also affects what you pay overall.

While there is no data specifically for Clarksville, INRIX ranked the nearby city of Nashville as the 44th most congested city in America.

According to City-Data, the average commute time for Clarksville residents is 24.5 minutes. Driving often during rush hour sometimes causes your insurance rates to increase.

Fortunately, auto theft in Clarksville mirrors the state average. The Federal Bureau of Investigation (FBI) recorded 241 car thefts in 2017, a rate of 157.2 vehicle thefts per every 100,000 people.

Annual tornadoes, flash flooding, and other severe weather patterns in Tennessee also increases your regional car insurance averages.

Clarksville, TN Car Insurance: The Bottom Line

Overall, Clarksville residents pay an average amount for car insurance compared to the rest of Tennessee.

By seeking out car insurance discounts and comparing rates from multiple companies online, you can secure cheaper Clarksville rates.

Find the best Clarksville, TN car insurance company for you by entering your ZIP code into our free quote tool below.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Average Monthly Car Insurance Rates by State