Best Cheap Auto Insurance in Clarksville, Tennessee (2023)

Located along Interstate 24 at the Kentucky and Tennessee border, Clarksville is one of Tennessee’s oldest cities. Home to more than 170,000 people, many of the area’s lowest auto insurance rates come from long-standing companies like State Farm and USAA.

Finding cheap car insurance in Clarksville depends on your situation and desired level of coverage. While liability insurance costs $138 per month, on average, and full coverage costs $245, several insurance companies in the city offer more affordable rates.

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

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Best 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.

Best insurer for low rates: State Farm

Best insurer for drivers with an accident: GEICO

Best insurer for young drivers: Mile Auto

Cheapest liability-only car insurance in Clarksville

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. Here are some of the cheapest liability-only car insurance rates in Clarksville.

Cheapest full-coverage car insurance in Clarksville

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. In fact, if you have a car loan or lease, your lender may require that you carry full-coverage insurance.

Here are some of the cheapest full-coverage car insurance rates in Clarksville.

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:

Depending on your needs, you may want to consider getting optional insurance coverage as well, including:

• 

  Uninsured/underinsured motorist coverage

  This covers you if you’re in an accident with another driver who lacks insurance.

• 

  Collision coverage

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

• 

  Roadside assistance

  This 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.

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Cheapest car insurance for drivers with a speeding ticket

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] 

Here are some monthly quotes for insurers in Clarksville that offer the best deal when you have a speeding ticket on your record.

Cheapest car insurance for drivers with an at-fault accident

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]

However, it’s always important to compare quotes to see what you actually could be paying and what different insurers offer.

Here are some monthly rates from Clarksville insurers when you have an at-fault accident on your record.

Cheapest car insurance for drivers with a DUI

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. However, you still have some options. 

Here are some of the monthly rates insurers are offering Clarksville drivers who have a DUI on their record.

Cheapest car insurance for Clarksville seniors

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. Here are some of the best monthly insurance quotes for seniors in Clarksville.

Cheapest car insurance for Clarksville teens

Teens and young drivers also tend to pay higher car insurance rates because insurers find that young adults under the age of 25 are more likely to get into an accident, and this raises the company’s financial risk. 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.

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.

Start by enacting these strategies:

• 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 score 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.

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Clarksville car insurance quotes by credit tier

Many states, including Tennessee, allow insurers to use your credit score as a factor when determining your car insurance policy rates. Insurance companies use your credit score, 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 score tier.

Is car insurance more expensive in Clarksville?

The average car insurance cost in Clarksville is $245 for full coverage, compared to the average cost for the state of Tennessee, which is $227. Still, car insurance in Clarksville is lower than in Memphis but higher than in Chattanooga or Nashville. 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.

Clarksville car insurance FAQs