120+ more*Quotes generated for Insurify users in and around Clarksville, Tennessee within the last 10 days. Last updated on September 14, 2026. 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 September 14, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
)
)
Plutus Award winner
Over 12 years writing about insurance and personal finance
Featured in
){kind=small}
){kind=small}
){kind=small}
)
)
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
){kind=small}
){kind=small}
)
)
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Updated
Liability-only car insurance in Clarksville, which only provides the minimum Tennessee car insurance requirements, costs an average of $64 per month. Clarksville drivers who want full-coverage car insurance, which includes collision and comprehensive coverage, pay an average of $143 per month.
Car insurance quotes in Clarksville are somewhat higher than the average rates across Tennessee, although drivers in Nashville and Murfreesboro pay higher premiums than Clarksville drivers do.
Clarksville is a moderately sized city with a population just under 200,000.[1] This high population density helps explain why rates are slightly higher than the state average and smaller cities, but lower than larger metro areas.
If you’re looking for cheap liability car insurance in Clarksville, Sun Coast offers the cheapest rates, with prices significantly lower than the state average rates for liability coverage.
Tennessee’s car insurance requirements mandate minimum coverage of $25,000 per person and $50,000 per accident in bodily injury liability coverage, as well as $25,000 in property damage liability coverage per accident.[2]
Check out the table below to find the most affordable car insurance in Clarksville for liability-only coverage.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $39 |
| Sun Coast | $39 |
| Mile Auto | $40 |
| Certainly | $43 |
| Direct Auto | $43 |
| Progressive | $43 |
| Freedom National | $44 |
| USAA | $47 |
| AssuranceAmerica | $50 |
| GEICO | $51 |
| Auto-Owners | $53 |
| The General | $53 |
| Travelers | $53 |
| Trexis | $55 |
| Erie | $56 |
| Safeco | $62 |
| GAINSCO | $63 |
| National General | $64 |
| Trexis One | $64 |
| Dairyland | $67 |
| Mendota | $67 |
| First Acceptance | $68 |
| Allstate | $72 |
| Insurify Car | $76 |
| Liberty Mutual | $77 |
| Farmers | $78 |
| Bristol West | $79 |
| Root | $81 |
| Elephant | $82 |
| Hugo | $100 |
| Chubb | $112 |
| State Auto | $148 |
Liability quotes start at $39/mo.
Full-coverage car insurance typically includes collision and comprehensive coverage in addition to the required minimum liability coverage.
Purchasing full-coverage car insurance in Clarksville can help protect drivers from property damage to their vehicle from things like falling branches and flooding. Not only is Clarksville vulnerable to tornadoes, but the Cumberland River, which runs through the heart of Clarksville, is susceptible to flooding.[3]
Progressive offers the cheapest full-coverage car insurance in Clarksville, per Insurify data.
In the table below, you’ll find the most affordable car insurance in Clarksville for full-coverage policies.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| Progressive | $78 |
| Mile Auto | $79 |
| Sun Coast | $80 |
| State Farm | $83 |
| USAA | $100 |
| Direct Auto | $101 |
| GEICO | $109 |
| National General | $109 |
| Auto-Owners | $115 |
| Travelers | $115 |
| Safeco | $116 |
| AssuranceAmerica | $123 |
| Erie | $123 |
| Certainly | $128 |
| Trexis | $133 |
| Root | $141 |
| Elephant | $145 |
| Allstate | $154 |
| Liberty Mutual | $157 |
| The General | $158 |
| Trexis One | $158 |
| GAINSCO | $159 |
| Mendota | $160 |
| Farmers | $167 |
| Freedom National | $168 |
| Bristol West | $174 |
| First Acceptance | $185 |
| Dairyland | $205 |
| Chubb | $239 |
| State Auto | $320 |
Drivers in Clarksville pay some of the highest average rates for car insurance in the state of Tennessee. Nashville and Memphis, which have populations about three to four times the size of Clarksville, have higher average rates.
Johnson City, whose population is less than half the size of Clarksville’s, has the lowest average rates for auto insurance coverage in the state, according to the U.S. Census Bureau.
A city’s population directly affects the number of drivers on the road, especially during rush hour. This can affect your insurance premiums because of the increased accident risk.
Although its population is much smaller than Nashville’s, the average commute time in Clarksville is 29 minutes, compared to only 25 minutes in Nashville, which may help explain the relatively high cost of Clarksville car insurance. On the other hand, drivers in Johnson City only spend an average of 19 minutes commuting.[4]
Compare the average car insurance quote in Clarksville with quotes from other cities in Tennessee in the table below:
City | Average Monthly Quote |
|---|---|
| Johnson City | $76 |
| Bristol | $79 |
| Maryville | $80 |
| Kingsport | $81 |
| Oak Ridge | $85 |
| Cleveland | $91 |
| Franklin | $94 |
| Knoxville | $94 |
| Chattanooga | $97 |
| Hendersonville | $97 |
| Jackson | $98 |
| Smyrna | $101 |
| Murfreesboro | $104 |
| Nashville | $116 |
| Memphis | $144 |
*Quotes generated for Insurify users in and around Clarksville, Tennessee within the last 10 days. Last updated on September 14, 2026. 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 September 14, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
If you have a speeding ticket, an at-fault accident, or a DUI on your driving history, you may pay higher rates than drivers with a clean record.
Here are the cheapest insurers for drivers in Clarksville, TN, based on driving record:
Cheapest car insurance for Clarksville drivers with a clean driving record: Sun Coast
Cheapest car insurance for drivers with a speeding ticket in Clarksville: Sun Coast
Cheapest car insurance for Clarksville drivers with an at-fault accident: Sun Coast
Cheapest car insurance for drivers with a DUI in Clarksville: Sun Coast
In Clarksville, 6% of drivers have a speeding ticket, 7% of drivers have an at-fault accident, and 0.91% have a DUI on their driving record, according to Insurify data.
If you get a traffic ticket in Clarksville, you’ll have to pay $141.75 for each violation listed on the ticket, which may include speeding violations.[5] Tennessee also takes DUI convictions very seriously, imposing penalties like loss of driving privileges, jail time, and fines ranging from $350 to $15,000. You may also need to file an SR-22.[6]
In addition, Tennessee is an at-fault state. The state requires drivers to report any accident that results in a fatality or injury, or with more than $1,500 in personal property damage, via an Owner Operator Report. All drivers involved in such accidents, regardless of fault, must file an Owner Operator Report.[7]
Compare the average rates for Clarksville car insurance according to driving history in the table below.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $104 |
| Speeding ticket | $138 |
| At-fault accident | $148 |
| DUI | $156 |
Expert’s insight
“Your driving record has the biggest effect on your car insurance rates. If you have an infraction on your record, it’s important to compare multiple quotes. Every insurer rates incidents differently, so you can still find affordable coverage even after an accident, ticket, or DUI.”
){kind=small}
While navigating around Clarksville, keep these important safe-driving tips in mind:
Transportation 2020+ construction: In 2021, the government of Clarksville adopted the “Transportation 2020+” plan for improving and updating the city’s streets, intersections, traffic signals, and road safety. The plan follows three tiers of importance, starting with the construction and improvement of transportation infrastructure to meet current needs, while saving projects that will prepare Clarksville for future mobility needs for later. This is a long-term, $462 million effort, and drivers in Clarksville can expect ongoing Transportation 2020+ construction for many years to come.[8]
Uninsured motorists: The Insurance Information Institute (Triple-I) reports that 21% of Tennessee drivers are uninsured. Since 2022, Clarksville has seen 3,452 car accidents that involved a driver without insurance, according to data from the Tennessee Department of Safety and Homeland Security.
Flood risk: In May 2010, the Cumberland River crested at 63 feet, flooded Clarksville, and caused over $137 million in damage, according to city records. As bad as this flood was, it’s only the third-worst flood in the city’s history. Although major flooding like this is still a once-in-a-lifetime event, the Cumberland River does crest higher than its 30-foot flood stage frequently enough that residents should be cognizant of the flood risk.
Many of the major thoroughfares running through Clarksville are state highways, and congestion is already a regular issue in Clarksville, as evidenced by the city’s traffic cameras at major intersections. The area is expected to grow by 40% in the next 15 years, according to city data.
The city is currently working on a new road, Spring Creek Parkway, which will intersect two major state highways: Trenton Road (also known as state route 48) and Wilma Rudolph Boulevard. Once completed, Spring Creek Parkway should directly relieve traffic pressures on the state highways and indirectly lessen traffic on Interstate 24, which runs northeast of the city.
This construction will help reduce traffic congestion and the amount of time Clarksville drivers spend behind the wheel. But until the parkway is completed, the construction may increase traffic and the likelihood of accidents. Average rates for auto insurance in Clarksville may remain high while this construction is ongoing.
Let us do the work getting quotes from 120+ companies. You sit back and save!
In Clarksville, teen drivers pay an average of $205 per month for auto insurance. Teenagers typically pay the highest average rates of any age demographic because of their limited driving experience. The high cost of insurance for teen drivers may affect a good portion of Clarksville’s households, since 27% of the city’s residents are younger than 18, per the U.S. Census Bureau.
Below, you’ll find the cheapest auto insurance rates for teenage drivers in Clarksville.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Sun Coast | $77 |
| State Farm | $78 |
| Certainly | $85 |
| Progressive | $85 |
| Mile Auto | $85 |
| Direct Auto | $87 |
| USAA | $89 |
| GEICO | $96 |
| The General | $99 |
| Erie | $106 |
| AssuranceAmerica | $107 |
| Trexis | $108 |
| Auto-Owners | $110 |
| Travelers | $113 |
| GAINSCO | $115 |
| Dairyland | $120 |
| Trexis One | $126 |
| Root | $128 |
| Safeco | $130 |
| National General | $131 |
| Mendota | $132 |
| First Acceptance | $134 |
| Liberty Mutual | $140 |
| Allstate | $142 |
| Bristol West | $145 |
| Insurify Car | $150 |
| Elephant | $155 |
| Farmers | $161 |
| Hugo | $197 |
| Chubb | $236 |
| State Auto | $362 |
Drivers in their 60s typically pay the lowest average rates for any age demographic since they have decades of safe driving under their belts. Sun Coast offers the cheapest car insurance for senior drivers in Clarksville. Senior drivers make up a small portion of Clarksville drivers, as only 10% of the city’s population is older than 65, according to the U.S. Census Bureau.
The cheapest rates for senior drivers in Clarksville are listed below.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $31 |
| Mile Auto | $31 |
| Sun Coast | $34 |
| Direct Auto | $35 |
| Certainly | $37 |
| Progressive | $37 |
| USAA | $38 |
| AssuranceAmerica | $39 |
| GEICO | $40 |
| Auto-Owners | $42 |
| Travelers | $42 |
| Erie | $43 |
| The General | $45 |
| Trexis | $47 |
| National General | $50 |
| Safeco | $54 |
| GAINSCO | $54 |
| Trexis One | $55 |
| Dairyland | $57 |
| Mendota | $58 |
| First Acceptance | $58 |
| Farmers | $62 |
| Allstate | $62 |
| Liberty Mutual | $64 |
| Insurify Car | $65 |
| Bristol West | $66 |
| Elephant | $66 |
| Root | $74 |
| Chubb | $84 |
| Hugo | $86 |
| State Auto | $112 |
If you’re looking for cheap Clarksville car insurance, the answers to the following common questions can help you find the affordable coverage you need.
The average cost of liability insurance in Clarksville is $64 per month, while full-coverage auto insurance costs $143 per month.
The average rates for Clarksville car insurance are among the highest in the state. Only Nashville, Murfreesboro, and Memphis have higher car insurance quotes compared to Clarksville. Drivers can help lower their rates by exploring discounts, such as bundling homeowners insurance or renters insurance with car insurance, or by taking advantage of safe driver discounts.
Tennessee requires drivers to carry a minimum amount of $25,000 per person and $50,000 per accident in bodily injury liability coverage, as well as $25,000 in property damage liability coverage per accident.
Tennessee doesn’t require uninsured motorist insurance, but drivers should consider buying this coverage. Triple-I reports that 21% of Tennessee drivers are uninsured. Since 2022, Clarksville has had 3,452 car accidents involving a driver without insurance.
Uninsured motorists in Tennessee face a $100 fine and suspension of vehicle registration.[9]
Insurify data scientists analyzed more than 250 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 500+ 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
)
)
)
)
)
)
)
)
)
)
)
)
)
)
Plutus Award winner
Over 12 years writing about insurance and personal finance
Featured in
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
