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Cheapest recent rates near Clarksville, Tennessee
Drivers in and around Clarksville, Tennessee have found policies from National General, Bristol West, First Acceptance, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Clarksville, Tennessee within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Clarksville, Tennessee within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Located along Interstate 24 at the Kentucky and Tennessee border, Clarksville is one of Tennessee’s oldest cities. Clarksville drivers pay an overall average of $126 per month for car insurance — slightly higher than the statewide average of $115 per month but lower than the nationwide monthly average of $153.
Home to more than 170,000 people, Clarksville is the fifth-largest city in the state, which could partly explain its higher rates.
State Farm, USAA, and GEICO are the three of the cheapest companies in Clarksville.
Liability insurance in Clarksville costs $78 per month, and full coverage costs $174 per month.
Clarksville drivers pay a yearly average of $2,085 for full-coverage insurance.
3 of the cheapest car insurance companies in Clarksville
Finding the cheapest car insurance in Clarksville will depend on factors like your age, driving history, and coverage needs. State Farm, GEICO, and Mile Auto are three of the area’s most affordable insurers. While you may ultimately choose a different insurance company, it doesn’t hurt to start your search with these three.
Insurance Company
▲▼
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
▲▼
Full Coverage
▲▼
Liability Only
▲▼
Best For
▲▼
State Farm
9.3
$44
$22
Low rates
GEICO
9.0
$58
$28
Drivers with an accident
Mile Auto
7.5
$69
$39
Young drivers
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$24/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$48/mo
4.2
Best choiceBased on 9,243 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,080)
Al
December 19, 2024
Verified Review
My Opinion
Way too high premium.
Agnes
December 19, 2024
Verified Review
Best Insurance Company
I have been with them for a long time. Claims are handled quickly. I never had a problem, even when I had three teenagers driving.
Gabriel
December 18, 2024
Verified Review
My Experience with State Farm
Beware, some companies are more interested in making money than meeting the customers' needs. My wife had a medical issue while driving, and they covered it. A year later, there was a fender bender involving two moving vehicles. To me, it was no fault, but they considered it a second incident. We also had hail damage to our roof. They said there wasn't enough damage, yet my next-door neighbors received a new one. Now, they're canceling me for too much.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
State Farm offers emergency roadside services and rental car coverage. It also offers discounts for bundling insurance and practicing safe driving habits and has some of the lowest rates in Clarksville for liability and full coverage.
Pros
Several discounts
Emergency roadside assistance available
Cons
Gap insurance and accident forgiveness not available
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.0 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$30/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$62/mo
4.0
Best choiceBased on 10,464 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,755)
Dianna
December 19, 2024
Verified Review
Roadside Assistance
When I needed emergency services on the road, they wanted me to go online. That was not possible at the time and they were not helpful.
Alan
December 18, 2024
Verified Review
Satisfied but too expensive
My experience with GEICO was good. They offer great coverage for the price and I'd recommend them to a friend. However, they are a bit more pricey but provide great services all the way around.
Samol
December 18, 2024
Verified Review
Geico is Good Insurance
It's excellent, but after a few accidents, the rates are creeping upwards.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
GEICO is an auto insurance company with cheap rates in Clarksville. If you’ve gotten into an accident, your insurance rates could increase, but GEICO offers personalized auto insurance policy options so you can pick and choose your coverages. GEICO also offers several discounts to customers who bundle coverage and complete a defensive driving course.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.5 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$42/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$75/mo
4.1
Best choiceBased on 61 verified guest reviews and ratings
Reviews (32)
Ambrosher
December 18, 2024
Verified Purchase
Too Expensive
Too expensive.
Marilyn
December 16, 2024
Verified Purchase
Mile Auto: Jury's Still Out
Please inform me about my monthly charge. Also, avoid using all caps. The photo link needs fixing.
Eva
December 4, 2024
Verified Purchase
Good
Good savings for people who don't drive a lot of miles.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NR
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Why we picked this company
Car insurance rates are higher for teens and drivers younger than 25. Mile Auto can help offset those costs and maintain coverage so long as teens drive fewer than 10,000 miles annually. Mile Auto offers mileage-based car insurance options, allowing you to pay based on how often you drive.
Pros
Option to send a monthly photo of your odometer instead of participating in telematics programs
Offers “storage insurance” to cover your vehicle when it’s not being driven
Cons
Must send a photo of odometer each month
Must stick under a certain annual mileage to maintain insurance coverage
How to get the cheapest car insurance in Clarksville
Finding the cheapest car insurance in Clarksville will depend on many factors, including your driving record, age, ZIP code, and credit. While many of the deciding factors are out of your control, you can do some things to get the cheapest car insurance policy for your situation:
Avoid violations. Practice safe driving habits so you can avoid violations like speeding tickets and other infractions. In doing so, you’ll naturally avoid at-fault accidents and maintain a clean driving record.
Improve your credit score. Car insurance companies in Tennessee can use your credit history to determine the likelihood that you’ll file a claim, so it’s important to maintain a good credit score to keep your rates lower.
Ask about discounts. Insurers offer several types of discounts, from bundling coverage and multi-policy discounts to having a vehicle with certain anti-theft protection or driving safely. Be sure to ask about which discounts you may qualify for.
Shop around and compare quotes. Shop around and compare quotes from at least three different insurers to make sure you’re getting the best price. You can talk to insurance agents or get a quote online.
Find Car Insurance in Clarksville, Tennessee
Liability rates start at $24 per month
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Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Clarksville: State Farm
Liability-only car insurance is the most basic type of coverage, so it usually costs less. Liability insurance only covers the other person’s vehicle after an accident and their medical expenses through the bodily injury portion of your liability insurance.
If you drive an older car and can afford to pay for repairs out of pocket, liability insurance may make sense. If you’re just looking for basic coverage to avoid paying fees or penalties for not meeting your state’s minimum insurance requirements, it may be a good idea to start with liability coverage.
The average rate for liability coverage in Clarksville is $78 per month. Hereare some of the cheapest liability-only car insurance rates in Clarksville.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Average Monthly Quote
▲▼
State Farm
$24
USAA
$28
GEICO
$30
Travelers
$32
Auto-Owners
$33
Erie
$35
Mile Auto
$42
Allstate
$43
Farmers
$47
Nationwide
$58
Progressive
$63
Chubb
$67
Direct Auto
$74
Safeco
$79
Dairyland
$86
State Auto
$89
National General
$97
Elephant
$101
The General
$105
GAINSCO
$106
Liberty Mutual
$136
Foremost
$138
Bristol West
$144
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Clarksville: State Farm
Full-coverage insurance includes liability coverage but also extends to cover damages to your vehicle or your medical expenses after an accident. Full coverage typically costs more, but it’s ideal if you want to protect your own vehicle. If you have a car loan or lease, your lender may require that you carry full-coverage insurance.
On average, Clarksville-based drivers pay $174 for full-coverage car insurance per month. Here are some of the cheapest full-coverage car insurance rates in Clarksville.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Average Monthly Quote
▲▼
State Farm
$48
USAA
$56
GEICO
$62
Auto-Owners
$65
Travelers
$65
Erie
$71
Mile Auto
$75
Allstate
$88
Farmers
$95
Nationwide
$116
Progressive
$127
Chubb
$137
Safeco
$150
Elephant
$162
Direct Auto
$179
State Auto
$181
National General
$203
The General
$226
Dairyland
$235
Liberty Mutual
$256
Foremost
$274
GAINSCO
$297
Bristol West
$358
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Clarksville, Tennessee
Drivers in and around Clarksville, Tennessee have found policies from Liberty Mutual, Certainly, Elephant, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Clarksville, Tennessee within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Clarksville, Tennessee within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Tennessee
Most states require drivers to have minimum or liability coverage insurance. In Tennessee, you must meet certain minimum-coverage limits or risk paying fines or losing your vehicle registration.[1] Below are the minimum car insurance requirements for the state of Tennessee:
Coverage
▲▼
Minimum Requirements
▲▼
Bodily injury liability
$25,000 per person / $50,000 per accident
Property damage liability
$25,000 per accident
Depending on your needs, you may want to consider getting optional insurance coverage as well, including:
As a result, insurance companies tend to charge higher rates when you have infractions on your record. If you’re wondering how much your rates could increase with an incident on your record, here are some updated quotes from insurers serving the Clarksville area.
Shop for Car Insurance in Clarksville, TN
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4.8/5
Cheapest car insurance for drivers with a speeding ticket: State Farm
Receiving a speeding ticket in Tennessee is a traffic violation that adds points to your driving record. Different types of speeding violations exist, such as speeding in a construction zone or reckless driving. But regardless of the violation type, a speeding ticket can raise your car insurance rates.[2]
Clarksville drivers with a speeding ticket pay an average of $250 per month for full coverage. Here are some monthly quotes for insurers in Clarksville that offer the best deal when you have a speeding ticket on your record.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With Speeding Ticket
▲▼
State Farm
$24
$31
USAA
$28
$37
GEICO
$30
$40
Travelers
$32
$43
Auto-Owners
$33
$44
Erie
$35
$47
Mile Auto
$42
$56
Allstate
$43
$57
Farmers
$47
$62
Nationwide
$58
$77
Progressive
$63
$83
Chubb
$67
$89
Direct Auto
$74
$98
Safeco
$79
$105
Dairyland
$86
$113
State Auto
$89
$126
National General
$97
$128
Elephant
$101
$143
The General
$105
$141
GAINSCO
$106
$150
Liberty Mutual
$136
$192
Foremost
$138
$195
Bristol West
$144
$191
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
No one wants to be involved in an accident, but if you’re in an at-fault accident, it can raise your insurance rates significantly. An accident can also stay on your driving record for three to five years, so you may see increased rates for a while.[3] But it’s always important to compare quotes to see what you actually could be paying and what different insurers offer.
The average rate for full-coverage insurance with an accident on your record in Clarksville is $259 per month. Here are some monthly rates from Clarksville insurers when you have an at-fault accident on your record.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With Accident
▲▼
State Farm
$24
$33
USAA
$28
$39
GEICO
$30
$41
Travelers
$32
$44
Auto-Owners
$33
$46
Erie
$35
$50
Mile Auto
$42
$59
Allstate
$43
$59
Farmers
$47
$65
Nationwide
$58
$81
Progressive
$63
$88
Chubb
$67
$93
Direct Auto
$74
$104
Safeco
$79
$109
Dairyland
$86
$118
State Auto
$89
$133
National General
$97
$133
Elephant
$101
$137
The General
$105
$148
GAINSCO
$106
$140
Liberty Mutual
$136
$200
Foremost
$138
$203
Bristol West
$144
$199
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
A violation for driving under the influence of alcohol or drugs is a serious crime that can result in the loss of your license in Tennessee. Insurers also see a DUI as serious, and obtaining car insurance after a DUI will cost you more money. But you still have some options.
The average monthly cost of full-coverage car insurance in Clarksville for drivers with a DUI conviction is $293. Here are some of the monthly rates insurers are offering Clarksville drivers who have a DUI on their record.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With DUI
▲▼
State Farm
$24
$40
USAA
$28
$47
GEICO
$30
$50
Travelers
$32
$53
Auto-Owners
$33
$55
Erie
$35
$58
Mile Auto
$42
$70
Allstate
$43
$72
Farmers
$47
$78
Nationwide
$58
$97
Progressive
$63
$105
Chubb
$67
$112
Direct Auto
$74
$123
Safeco
$79
$119
Dairyland
$86
$143
State Auto
$89
$148
National General
$97
$162
Elephant
$101
$168
The General
$105
$175
GAINSCO
$106
$177
Liberty Mutual
$136
$227
Foremost
$138
$230
Bristol West
$144
$240
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
Car insurance rates can increase for seniors as well as young drivers since insurers view these age groups at a greater risk to insure. But seniors can still find cheap insurance rates by keeping a clean driving record and taking advantage of discounts.
Some insurers offer specific discounts for seniors or usage-based coverage, allowing you to lower your premium by driving fewer miles per year. For Clarksville seniors, the overall average monthly cost for car insurance is $90. Here are some of the best monthly insurance quotes for seniors in Clarksville.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Full Coverage
▲▼
Liability Only
▲▼
State Farm
$35
$17
USAA
$42
$21
GEICO
$46
$22
Travelers
$47
$23
Auto-Owners
$48
$24
Erie
$51
$25
Mile Auto
$52
$29
Allstate
$66
$32
Farmers
$69
$34
Nationwide
$80
$40
Progressive
$85
$42
Chubb
$92
$45
Safeco
$120
$63
Elephant
$123
$77
State Auto
$125
$62
Direct Auto
$129
$53
National General
$144
$69
The General
$170
$79
Dairyland
$174
$64
Liberty Mutual
$200
$106
Foremost
$204
$103
GAINSCO
$232
$83
Bristol West
$267
$107
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
Teens and young drivers also pay higher car insurance rates because insurers find that young adults under age 25 are more likely to get into an accident, and this raises the company’s financial risk. Teen drivers in Clarksville pay an overall average of $223 per month for car insurance.
But if you’re a young driver, you still have some ways to save on your insurance premiums.
Start by inquiring about a discount if you’re a student and have at least a 3.0 GPA. You’ll likely need to submit your grades for verification, but it could be worth the savings. Other insurers also offer discounts to teens who complete a driver safety course. And if you’re a college student who won’t be driving during the semester, see if your insurance company can provide a discount based on this. Finally, young drivers may also be able to save by remaining on their parents’ insurance for a while, if it makes sense.
Here are some of the best monthly car insurance quotes for young drivers in Clarksville.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Full Coverage
▲▼
Liability Only
▲▼
State Farm
$85
$42
USAA
$96
$48
GEICO
$102
$49
Auto-Owners
$112
$57
Travelers
$121
$59
Erie
$122
$60
Mile Auto
$148
$83
Allstate
$161
$79
Farmers
$170
$84
Nationwide
$208
$104
Progressive
$228
$113
Chubb
$269
$132
Elephant
$269
$168
Safeco
$291
$153
State Auto
$329
$162
Direct Auto
$335
$138
The General
$368
$171
Dairyland
$387
$142
National General
$408
$195
Liberty Mutual
$448
$238
Foremost
$498
$251
GAINSCO
$523
$187
Bristol West
$617
$248
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Clarksville car insurance quotes by credit tier
Many states, including Tennessee, allow insurers to use your credit history as a factor when determining your car insurance policy rates. Insurance companies use your credit history, in part, to predict the likelihood that you’ll file an insurance claim. This helps them assess risk.
An excellent credit score is considered anything above 720, and typically, the higher your credit score, the better chance you have of getting a lower insurance rate. If you have a lower credit score, you can always work to improve your credit and be mindful that insurers consider several other factors as well.
Here are the average monthly quotes in Clarksville based on your credit tier.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Clarksville?
The average car insurance cost in Clarksville is $174 per month for full coverage, compared to the average cost for the state of Tennessee, which is $157 per month.
Sometimes, car insurance costs can be higher in cities with more traffic, an increased number of road accidents, higher crime rates, or higher car repair costs.
More cities in Tennessee
Here’s how the average monthly car insurance quote differs in other Tennessee cities compared to Clarksville.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Clarksville car insurance FAQs
Looking to find more information about cheap car insurance in Clarksville? The answers presented below can help you in your search to find the most affordable car insurance rates possible.
How much is car insurance in Clarksville, Tennessee?
Residents of the Clarksville area pay $78 per month for liability-only coverage and $174 per month for full coverage, on average.
Which company has the cheapest car insurance in Clarksville?
State Farm has the cheapest car insurance in Clarksville, with monthly liability rates as low as $24. USAA and GEICO also offer affordable coverage, with respective monthly liability rates of $28 and $30.
But the cheapest insurer for you will depend on many factors, such as your age, ZIP code, the type of car you drive, and the coverage levels you choose.
What are the best car insurance companies in Clarksville?
State Farm, GEICO, and Mile Auto rank as some of the best insurers in Clarksville. State Farm has a high Insurify Quality (IQ) Score of 9.3 out of 5, and GEICO has a strong IQ Score of 9.0. It’s also among the leaders in digital offerings with robust web and mobile support. Mile Auto, meanwhile, allows you to customize your auto insurance payments based on the amount you drive. The less time you spend in your vehicle, the lower your rate will be.
How much car insurance is required in Tennessee?
In Tennessee, you’re required to carry insurance that meets the minimum requirements of $25,000 per person and $50,000 per accident in bodily injury liability coverage. You must also carry property damage liability coverage of $25,000 per accident.
Is Tennessee a no-fault state?
No. Tennessee is an at-fault state. This means if you’re involved in an accident and the other driver is determined to be at fault, you may have the right to sue them for damages you incurred or injuries you suffered.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Choncé Maddox is a Certified Financial Education Instructor (CFEI) and personal finance freelance writer. She graduated from Northern Illinois University with a degree in Journalism and has been covering personal finance topics surrounding saving, debt payoff, credit, and home insurance for seven years. Chonce briefly held a life insurance license in Illinois where she developed a passion for helping people learn how to protect themselves and their property through insurance coverage. Her work has been featured on LendingTree, Business Insider, RateGenius and more.
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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