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.
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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:
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.
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.
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.
|Failure to Stop for Red Light / Stop Sign||$215|
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.
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.
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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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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."
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.