Cheap Auto Insurance Quotes in Clarksville, TN (2021)

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Clarksville has 158,000 country-music-loving residents, and most drive as their main mode of transportation. While they're humming their favorite tune, they might as well fall in love with a car insurance policy that sounds like music to their ears.

Over 95 percent of Clarksville households own cars. With all those cars rocking down the roadways, every driver volunteers to find the right price in the Volunteer State.

Car Insurance in Clarksville, TN

The average cost of Tennessee car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Clarksville, TN to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
$66
$73
$93
$150
$165
ProgressiveGEICOState FarmAmerican FamilyThe General
Monthly $

Cheapest Car Insurance in Clarksville, TN

Here are the cheapest carriers in Clarksville for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance in Clarksville, TN

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Clarksville. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$128
$159
$112
$125
$125
$120
TennesseeMemphisKnoxvilleChattanoogaMurfreesboroClarksville
Monthly $

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Clarksville, TN Driving Facts

tennessee

Minimum Car Insurance Requirements in TN

All motor vehicles operated or parked on Tennessee roadways are required to be insured. The minimum liability car insurance requirements for private passenger vehicles in Tennessee are as follows:

  • $30,000 per person/$60,000 per accident for Bodily Injury (BI)

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Tennessee state law are $30,000 for the death or injury of a single victim as a result of a car accident and $60,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 30/60, referring to the dollar limitations of each minimum. If you’re in an accident, liability coverage will cover the cost of a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Tennessee law.

 

  • $15,000 per accident for Property Damage (PD)

The state minimum amount of property damage liability coverge required in the state of Tennessee is $15,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

Clarksville Car Insurance Rates by Driver Age

Age is everything when it comes to setting car insurance prices in Tennessee’s Top Spot. As you can see in the table below, younger Clarksville motorists pay more to insure their ride than older drivers do. Why? Because statistically speaking, they are at a greater risk of having an accident or making a claim. At $301, teen drivers pay nearly three times as much for car insurance as those in their 70s. With age comes experience, however. By the time they reach their 20s, young drivers’ insurance rates drop 63 percent to $185.

Driving History
No Violation$186
Speeding Ticket$202
At-Fault Accident$218
Failure to Stop for Red Light / Stop Sign$215

Clarksville Car Insurance Rates by Driving and Accident History

Most motorists recognize the strong ties between insurance rates and driving behavior. This is because the way you behave on the road (whether you take risks or play it safe) helps insurance companies predict the likelihood of you making a claim. While motorists without any offenses on their driving record pay the least for insurance in Clarksville, at $185, insurance rates increase according to the mistakes you make. Speeding, causing an accident and failing to stop cost drivers increased rates of $201, $217, and $214, respectively.

Clarksville Car Insurance Rates by Credit Tier

Setting insurance rates is all about understanding an individual’s risk. How likely is it that the motorist will make an insurance claim? One way insurance companies uncover risk is by considering a person’s credit score. While it might not seem related to the road, how a person manages their money speaks volumes to whether they are considered a good or bad risk. Pay your bills on time? Good risk. Have a bankruptcy on record? Bad risk. In Clarksville, drivers with an average credit score can expect to pay $200 for their car insurance monthly, while premiums for drivers with excellent credit scores average out to $178.

Clarksville, TN DMV Information

The Clarksville Driver Services Center is at 220 W Dunbar Cave Rd., Clarksville, TN 37040. The hours are Monday through Friday from 8:30 a.m. to 5 p.m., and the phone number is 1 (931) 648-5596. You can also get help at the Dickson Driver Services Center, Erin/Houston County Clerk, Springfield Driver Services Center, Ashland City/Cheatham County Clear, and the City of Clarksville.

Public Transportation in Clarksville, TN

Most people in Clarksville drive, but the city also provides public transportation. Clarksville Transit System has buses, paratransit, and help through The Lift for qualified disabled and elderly passengers. If the bus isn't your speed, you can opt for rideshare services such as Uber or Lyft. Traditional taxi companies like ABC Veterans Cab Service and 101st Airborne Cab also offer ways to get to your destination. If you want to get fresh air, you can ride along with BCycle, a bikeshare program.

Conclusion: How to get the best and cheapest car insurance in Clarksville, TN

Clarksville residents live in a historic city, but that doesn't mean a good insurance rate is a thing of the past. If you wish for a sweeter deal than the best BBQ, why not try Insurify for that sizzling price? Compare dozens of insurance quotes in just a few seconds.

When one out of five Tennessee drivers has no insurance, there's too much risk in skipping protection. Use Insurify to get the coverage you need and give your wallet a "Titan up."

Find local Clarksville agents

Mann, Smith & Cummings Insurance, LLC 
1997 Madison St, Clarksville, TN 37043
Hamric Insurance Agency 
798 Iron Wood Cir, Clarksville, TN 37043
Ross Insurance 
112 Franklin Street, Clarksville, TN 37040-3438
Protected Partners Insurance Group, LLC 
1310 Madison St, Clarksville, TN 37040
Higgins Insurance, Inc. 
120 Center Pointe Drive, Clarksville, TN 37040
Mid South Insurance Inc. 
35 Crossland Ave Ste B, Clarksville, TN 37040-8753
BFS Insurance Group, LLC 
1820 Madison St Ste G, Clarksville, TN 37043-8037
Rubel Halliburton Northington et al 
330 North Second Street, Ste. 101, Clarksville, TN 37041-0708
Wyatt Insurance Services, Inc. 
25 Jefferson St Ste 200D, Clarksville, TN 37040-5268
SouthPoint Risk - Clarksville 
409 Madison St, Clarksville, TN 37040-3649

Insurify Insights: How Clarksville Drivers Measure Up

nissan
Nissan Altima
Most Popular Car in
Clarksville, TN
suspended licenses
#37
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Clarksville drivers measure up to their fellow Tennessee motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Clarksville

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Clarksville drivers rank 19 in the number of car accidents per driver across all cities in Tennessee.

  • Rank within state: #19
  • Percent of drivers in Clarksville with an accident: 12.21%
  • Drivers in Clarksville, TN with an accident in their driving history paid on average 41.4% more than drivers with a clean record

Speeding Clarksville

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Tennessee, Clarksville drivers rank 9 in the number of speeding infractions per driver.

  • Rank within state: #9
  • Percent of drivers in Clarksville with a speeding ticket: 12.93%
  • Drivers in Clarksville, TN with a speeding ticket in their driving history paid on average 15.92% more than drivers with a clean record

DUI/DWIs Clarksville

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Clarksville drivers rank 24 in the number of DUI’s per driver across all cities in Tennessee.

  • Rank within state: #24
  • Percent of drivers in Clarksville with a DUI: 1.71%
  • Drivers in Clarksville, TN with a DUI in their driving history paid on average 15.29% more than drivers with a clean record

Most Popular Vehicle Clarksville

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Clarksville is the Nissan Altima.

Rude Clarksville

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Tennessee, Clarksville drivers rank 6 in rude driving infractions.

  • Rank within state: #6
  • Percent of drivers in Clarksville with a reckless driving violation: 2.38%
  • Drivers in Clarksville, TN with a reckless driving violation in their driving history paid on average 26.11% more than drivers with a clean record.

Safest Drivers Clarksville

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Clarksville drivers rank 12 in clean driving records across all cities in Tennessee.

  • Rank within state: #12
  • Percent of drivers in Clarksville with clean record: 76.08%

Failure to Yield the Right of Way Clarksville

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Clarksville drivers rank 4 in failure to yield violations per driver across all cities in Tennessee.

  • Rank within state: #4
  • Percent of drivers in Clarksville with a failure to yield violation: 0.5%
  • Drivers in Clarksville, TN with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers Clarksville

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Tennessee, Clarksville drivers rank 6 in the number of reckless driving offenses per driver.

  • Rank within state: #6
  • Percent of drivers in Clarksville with a reckless driving offense: 0.17%

Hybrid/Electric Vehicle Ownership Clarksville

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Clarksville drivers rank 15 in hybrid and electric vehicle ownership across all cities in Tennessee.

  • Rank within state: #15
  • Percent of drivers in Clarksville with a hybrid/electric vehicle: 0.46%
Most Patriotic City

Most Patriotic City

Clarksville

Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Clarksville won Insurify's Most Patriotic Cities Award for the state of Tennessee. It is situated close to the Fort Cambell army installation.


FAQs - Clarksville, TN Car Insurance

Why is car insurance so expensive in Clarksville?

Clarksville ranks first for DUIs in Tennessee, first for moving violations, and fifth for speeding tickets. Insurers assign higher premiums to match the higher risk.

How can I get the cheapest car insurance in Clarksville?

The absolute cheapest price will come when you get state minimum coverage. It's the lowest amount of coverage Tennessee law allows. If you're financing your car, you may have to buy comprehensive and collision coverage. In that case, to keep the bill down, increase your deductibles to the most you can afford out of pocket if a wreck happens.

Who offers the cheapest car insurance in Clarksville?

Car insurance premiums change by city, company, and driver. If you want rates tailored to your driver profile, try Insurify to compare up to 10+ real quotes. You'll unlock savings and discounts and get the coverage you deserve at a price you can afford.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.