Cheapest Auto Insurance in Clarksville, Tennessee (2024)

State Farm offers the cheapest car insurance in Clarksville, with minimum-coverage policies as low as $24 per month.

Choncé Maddox
Written byChoncé Maddox
Choncé Maddox
Choncé Maddox
  • 7+ years writing insurance and personal finance content

  • Certified financial education instructor (CFEI)

Choncé was a licensed life insurance agent before becoming a freelance personal finance writer. She’s passionate about helping people learn to protect themselves with insurance.

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Chris Schafer
Edited byChris Schafer
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 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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Updated May 23, 2024

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Cheapest recent rates near Clarksville, Tennessee

Drivers using Insurify have found quotes as cheap as $31/mo for liability only and $50/mo for full coverage in Clarksville and other Tennessee cities.

*Quotes generated for Insurify users in and around Clarksville, Tennessee within the last 10 days. Last updated on May 23, 2024

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 May 23, 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 May 23, 2024

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 May 23, 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 $144 per month for car insurance — slightly higher than the statewide average of $129 per month but lower than the nationwide monthly average of $160.

Home to more than 170,000 people, Clarksville is the fifth-largest city in the state, which could partly explain its higher rates.

Here’s how to find low rates in Clarksville and secure the best car insurance for you.

Quick Facts
  • State Farm, USAA, and GEICO are the three of the cheapest companies in Clarksville.

  • Liability insurance in Clarksville costs $88 per month, and full coverage costs $200 per month.

  • Clarksville drivers pay a yearly average of $2,406 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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
State Farm4.6$45$22Low rates
GEICO4.4$58$28Drivers with an accident
Mile Auto3.7$68$39Young 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 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for low rates: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$49/mo

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

  • Age limit on some discounts

Read our State Farm review
Shirley - May 22, 2024
Verified

Excellent

I need a discount because I'm a good driver.

Dana - May 22, 2024
Verified

Not Good

I don't drive much, but they keep raising my rate.

George - May 21, 2024
Verified

Still Looking...

Find a company that's cheaper with better benefits.

Best insurer for drivers with an accident: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
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.
$31/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.
$63/mo

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.

Pros
  • Robust web and mobile offerings

  • Offers multiple discounts

Cons
  • Accident forgiveness not available

  • Limited network of local agents

Read our GEICO review
Kimberly - May 22, 2024
Verified

Never Again

They are horrible at handling claims and make you feel bad.

Anita - May 22, 2024
Verified

Excellent

Good customer service. Megan Burrell is very helpful and professional.

Charles - May 22, 2024
Verified

Good Insurance

Awesome.

Best insurer for young drivers: Mile Auto

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.7
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
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.
$43/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

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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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 $88 per month. Here are some of the cheapest liability-only car insurance rates in Clarksville.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm24
USAA29
GEICO31
Travelers32
Auto-Owners33
Erie35
Mile Auto43
Allstate44
Farmers48
Nationwide59
Safeco61
Progressive64
Chubb69
Midvale Home & Auto75
Dairyland80
National General80
State Auto91
Elephant94
Liberty Mutual97
Direct Auto99
GAINSCO114
The General132
Bristol West158
Foremost173
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 $200 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm49
USAA58
GEICO63
Auto-Owners66
Travelers66
Erie71
Mile Auto75
Allstate89
Farmers96
Safeco112
Nationwide119
Progressive130
Chubb138
Midvale Home & Auto141
Elephant150
State Auto178
Liberty Mutual182
National General183
Direct Auto228
The General228
Dairyland230
GAINSCO305
Foremost328
Bristol West389
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.

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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:

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Uninsured/underinsured motorist insurance covers you if you’re in an accident with another driver who lacks insurance.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision insurance helps pay for the repair or replacement of your vehicle if it’s damaged in an accident.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Roadside assistance coverage

    Roadside assistance provides coverage if you’re ever broken down on the road and need help paying for services.

Cheapest car insurance for Clarksville drivers with an incident

An incident, such as a speeding ticket, at-fault accident, or driving under the influence, shows insurers you present an increased risk.

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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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 $282 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
State Farm2431
USAA2937
GEICO3140
Travelers3242
Auto-Owners3343
Erie3546
Mile Auto4360
Allstate4457
Farmers4861
Nationwide5977
Safeco6180
Progressive6483
Chubb6990
Midvale Home & Auto75100
Dairyland80104
National General80114
State Auto91127
Elephant94134
Liberty Mutual97138
Direct Auto99129
GAINSCO114162
The General132172
Bristol West158202
Foremost173246
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 $296 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
State Farm2432
USAA2939
GEICO3142
Travelers3244
Auto-Owners3345
Erie3548
Mile Auto4364
Allstate4460
Farmers4865
Nationwide5981
Safeco6180
Progressive6488
Chubb6994
Midvale Home & Auto75107
Dairyland80109
National General80108
State Auto91136
Elephant94126
Liberty Mutual97144
Direct Auto99137
GAINSCO114150
The General132183
Bristol West158211
Foremost173256
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 $336. 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
State Farm2440
USAA2949
GEICO3152
Travelers3254
Auto-Owners3355
Erie3559
Mile Auto4366
Allstate4474
Farmers4881
Nationwide5999
Safeco61102
Progressive64107
Chubb69116
Midvale Home & Auto75126
Dairyland80134
National General80134
State Auto91153
Elephant94158
Liberty Mutual97163
Direct Auto99166
GAINSCO114191
The General132222
Bristol West158265
Foremost173291
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 $101. Here are some of the best monthly insurance quotes for seniors in Clarksville.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
State Farm3517
USAA4221
GEICO4623
Auto-Owners4824
Erie4824
Travelers4823
Mile Auto5230
Allstate6632
Farmers6934
Nationwide8140
Safeco8345
Progressive8542
Chubb9346
Midvale Home & Auto9852
Elephant10968
State Auto12664
Liberty Mutual13270
National General13559
Direct Auto16170
Dairyland17059
The General172100
GAINSCO22986
Foremost235124
Bristol West287117
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 $236 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
State Farm7939
USAA9246
GEICO9446
Auto-Owners10854
Travelers11355
Erie11456
Mile Auto13980
Allstate14873
Farmers16181
Nationwide19396
Progressive225111
Safeco225123
Midvale Home & Auto234124
Elephant236148
Chubb243121
State Auto301154
Liberty Mutual324173
National General326143
The General351203
Dairyland367128
Direct Auto397173
GAINSCO521195
Foremost554292
Bristol West631256
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 $200 per month for full coverage, compared to the average cost for the state of Tennessee, which is $181 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.

CityFull CoverageLiability Only
Chattanooga$170$83
Knoxville$171$76
Memphis$244$115
Murfreesboro$192$85
Nashville$206$90
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 $88 per month for liability-only coverage and $200 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 $29 and $31.

    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 4.6 out of 5, and GEICO has a strong IQ Score of 4.4. 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.

Sources

  1. Tennessee Department of Revenue. "Why You Should Have Auto Insurance."
  2. Tennessee Department of Safety & Homeland Security. "Schedule of Points Values."
  3. Virginia Department of Motor Vehicles. "Four Point Violations."
Choncé Maddox
Choncé Maddox

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.

Chris Schafer
Edited byChris SchaferSenior Editor
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 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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