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.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Sep 30, 2021

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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 the price you’ll pay for service in Clarksville, TN
  • 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.

What are the Clarksville, TN car insurance rates vs. top US metro car insurance rates?

You might find yourself asking, “how does my current insurance stack up against other US metro car insurance rates?” A valid question, considering most drivers are concerned with paying the lowest prices that they can for coverage. We’ve got your answer below.

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What are the monthly Clarksville, TN car insurance rates by ZIP code?

Policy service options do change in price depending on where you live, though that’s not to say that you’ll get better quality service the higher the cost, so you’ll still want to make sure you’re keeping a watchful eye on the market. This TN ZIP code map gives an overview of the average annual cost and the monthly cost of insurance. Heavily populated metropolitan areas are typically the most expensive areas in a state. The average monthly cost of insurance in these ZIP codes is $275, and the average annual premium is $301.

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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.

Which Clarksville, TN auto insurance company has the cheapest rates? And how do those rates compare against the average Tennessee auto insurance company rates? We’ve got the answers below.

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What are the Clarksville, TN average annual car insurance rates by company compared to city average?

This is a graphic that takes the top insurance providers in Clarksville, TN and compares their average monthly rates of insurance against the city average of $275.

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. Even your marital status and credit score are taken into consideration with some companies. Sometimes, when your financial obligations become too much, it can be easy to sit down and research cheaper alternatives. But before you swap companies, do the research. Make an informed decision, so that you’re not sacrificing the level of coverage you currently have for the sake of a lower price tag.

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What are the Clarksville, TN car insurance rates by company and age?

Clarksville, TN auto insurance rates by company and age is an essential comparison because the top auto insurance company for one age group may not be the best company for another age group.

Insurance providers charge different rates based on the insured individual’s age. This graphic compares the average monthly premiums for Clarksville, TN’s top insurers for four different age groups. These age groups are 17-year olds, 25-year olds, 35-year olds, and 65-year olds. These average monthly premiums are an average of the rates for both males and females.

If you’re a 17-year old and are looking for the cheapest insurance provider in Clarksville, USAA has the cheapest average cost at $706. Allstate, on the other hand, is the most expensive provider, with an average cost of $1,355. The best and worst providers for 25-year olds are: Allstate ($372) and Farmers ($248). For 35-year olds, Farmers is the cheapest, and Allstate is the most expensive, at $181 and $342, respectively. And for those that are in the last age group, Farmers is the cheapest insurance provider ($166), and Allstate is the least affordable provider for 60-year olds at $316 on average.

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What are the cheapest Clarksville, TN car insurance rates by coverage level?

Your coverage level will play a major role in your Clarksville auto insurance rates. Peace of mind comes with a cost, and in most cases, the more insurance options you choose, the more you’ll end up paying.

An insurance policy’s coverage level determines what events the policy covers and how much monetary value the policy will cover. Policies have three tiers of coverage: high, medium, and low. This graphic compares the average monthly rates for these three coverage levels as offered by the top providers in the state.

The most expensive insurance provider in Clarksville, TN for high levels of auto coverage is Allstate at $417 on average per month, and the least expensive provider is USAA at $230. For medium levels of coverage, the most costly and the least expensive providers are Allstate and USAA at $400 and $222, respectively. Finally, for low coverage, the insurance provider that charges the most on average is Allstate at $387, and the one that has the lowest average monthly premium is Farmers at $213.

Remember however, that the lowest prices come with the lowest amount of coverage. You want an affordable option of course, but not if it won’t protect you on the road.

Find the cheapest Clarksville, TN auto insurance rates by coverage level below:

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What are the cheapest Clarksville, TN car insurance rates by credit score?

Your credit score will play a major role in your Clarksville auto insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. Find the cheapest Clarksville, TN auto insurance rates by credit score below. This is so a company can determine your financial strength, and what your annual rate will be.

Credit scores are represented in three distinct categories based on what the credit score rating is. These categories are: good, fair, and poor. This graphic’s purpose is to compare the top insurance providers in Clarksville, TN, and how much they charge on average in a month for each of these three credit score ratings.

If you have a good credit score, then the provider that charges the least on average in Clarksville is USAA ($156), and the provider that requires the most is Allstate ($300). For fair credit scores, the most affordable provider is USAA, and the least affordable provider is Allstate, with the former charging $189 per month and the latter charging $392. Farmers charges the lowest average monthly payment for those that have Poor credit (at $270), and Allstate charges the most (at $512).

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What are the cheapest Clarksville, TN car insurance rates by driving record?

Your driving record will also appear on the list of things a company will look at when you apply for an auto insurance policy. For example, other factors aside, a Clarksville, TN DUI may increase your auto insurance rates 40 to 50 percent. Find the cheapest Clarksville, TN auto insurance rates by driving record.

Various factors on your driving record will have an impact on your monthly insurance costs. This graphic demonstrates how much you can expect to pay for each of these factors when you have an insurance policy with one of Clarksville, TN’s top insurance providers. If you have a clean record, the insurance provider that will be the cheapest for you is USAA at $162 per month, and the provider that is the most expensive is Allstate at $335 per month.

For those that have an accident on their record, the cheapest provider and the most costly will be Allstate ($400) and Farmers ($239) respectively. If you’ve gotten a speeding ticket, Allstate and GEICO will be the most affordable and the least affordable, at $384 and $162. Finally, for those that have had a DUI, the least expensive provider is State Farm at $162, and the most costly is Allstate at $485.

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What factors are affecting car insurance rates in Clarksville, TN?

Factors affecting auto insurance rates in Clarksville, TN may include your commute, coverage level, tickets, DUIs, and credit. Controlling these factors will help you maintain cheap Clarksville, Tennessee auto insurance.

These common car insurance factors will increase your car insurance rates in Clarksville, TN by the percentage below

This graphic demonstrates which factors will affect your average monthly insurance costs the most. These factors and the percentage increase that you can expect them to have on your average insurance costs are: 6,000 versus 12,000-mile commute (1%) commute, whether or not your insurance coverage levels are low or they are high (8%), if you have a speeding ticket on your driving record (16%), if you have an at-fault accident on record (32%), if you have a DUI on your record (42%), and whether you have good credit or bad credit (116%).

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What are the average monthly car insurance rates by age & gender in Clarksville, TN?

These states no longer using gender to calculate your auto insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a significant factor because young drivers are often considered high-risk. Tennessee does use gender, so check out the average monthly auto insurance rates by age and gender in Clarksville, TN.

This graphic compares the average monthly insurance rates for males and females for the following ages: 17-year olds, 25-year olds, 30-year olds, and 60-year olds. At the two extremes, 17-year old males will pay $644, compared to $569 that 17-year old females will owe. On the other hand, 60-year old males can expect to pay an average of $147, and 60-year old females will pay $143.

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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.

What is the bottom line when it comes to Clarksville, TN car insurance?

Overall, Clarksville residents pay a higher average price for coverage 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.

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

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Clarksville, TN Car Insurance Rates vs. Top US Metro Car Insurance Rates (Copy)
Monthly Clarksville, TN Car Insurance Rates by ZIP Code
Clarksville, TN Car Insurance Rates by Company vs. City Average
Clarksville, TN Car Insurance Rates by Company and Age
The Cheapest Clarksville, TN Car Insurance Rates by Coverage Level
The Cheapest Clarksville, TN Car Insurance Rates by Credit Score
The Cheapest Clarksville, TN Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Clarksville, TN
Average Monthly Car Insurance Rates by Age & Gender in Clarksville, TN
Clarksville, TN Car Insurance Rates vs. Top US Metro Car Insurance Rates (Copy)
Monthly Clarksville, TN Car Insurance Rates by ZIP Code
Clarksville, TN Car Insurance Rates by Company vs. City Average
Clarksville, TN Car Insurance Rates by Company and Age
The Cheapest Clarksville, TN Car Insurance Rates by Coverage Level
The Cheapest Clarksville, TN Car Insurance Rates by Credit Score
The Cheapest Clarksville, TN Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Clarksville, TN
Average Monthly Car Insurance Rates by Age & Gender in Clarksville, TN