Cheapest Auto Insurance in Clarksville, Tennessee (2024)
State Farm offers the cheapest car insurance in Clarksville, with minimum-coverage policies as low as $25 per month.
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Written byChoncé Maddox
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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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Updated October 30, 2024
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Table of contents
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 $142 per month for car insurance — slightly higher than the statewide average of $121 per month but lower than the nationwide monthly average of $158.
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 $86 per month, and full coverage costs $197 per month.
Clarksville drivers pay a yearly average of $2,366 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 Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| State Farm | 9.3 | $44 | $22 | Low rates |
| GEICO | 9.0 | $57 | $28 | Drivers with an accident |
| Mile Auto | 7.5 | $70 | $39 | Young 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 more than 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. The team weighted criteria 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 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses 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 28,000 customer reviews across 155 car insurance companies. We also consider 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 U.S., 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 scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for low rates: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| 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. | $25/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 |
4.2
Best choiceBased on 8831 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,847)
Jannie
October 29, 2024
Verified Review
Good
The insurance is higher than other companies' policies.
Marsha
October 29, 2024
Verified Review
Friendly agents!
Check out their prices!
Linda
October 29, 2024
Verified Review
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.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).
A++Why we picked this company
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
Best insurer for drivers with an accident: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
| 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. | $65/mo |
4.0
Best choiceBased on 10113 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,563)
Herman
October 29, 2024
Verified Review
Excellent
For us, it came down to cost and having all of our insurance with the same company, not farmed out.
Greg
October 29, 2024
Verified Review
It's Expensive
It's expensive.
Robert
October 29, 2024
Verified Review
Unpleasant Experience on Cape Cod
My insurance has gone from $37 a month to $82. Stay far away from this company.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.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).
A++Why we picked this company
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
Best insurer for young drivers: Mile Auto
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.5 /10 |
| 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. | $44/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. | $79/mo |
4.1
Best choiceBased on 50 verified guest reviews and ratings
Reviews (29)
Cookie
October 15, 2024
Verified Purchase
Excellent
Low mileage rate.
Tasha
October 10, 2024
Verified Purchase
Not pleased
Don't opt for this insurance if you're on a budget. I was unaware that this was a cost-per-mile insurance. I was never informed about it, and now I'm paying an extra $20 for roadside assistance that I thought was included. I had mentioned to the representative that I couldn't afford expensive insurance, yet the cost has increased.
Thomas
October 8, 2024
Verified Purchase
Mixed Review
Mixed. One representative was confusing and couldn't guide me regarding a text I received which stated my payment, which I had been informed had been processed, had actually gone through. To ensure I was covered, I made the payment. The previous representative had been professional and direct. So, I have a mixed reaction.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.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).
NRWhy we picked this company
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 $25 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 $86 per month. Here are some of the cheapest liability-only car insurance rates in Clarksville.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $25 |
| USAA | $29 |
| GEICO | $31 |
| Travelers | $32 |
| Auto-Owners | $34 |
| Erie | $36 |
| Mile Auto | $44 |
| Allstate | $45 |
| Farmers | $48 |
| Nationwide | $59 |
| Progressive | $65 |
| Chubb | $69 |
| Safeco | $69 |
| Midvale Home & Auto | $79 |
| Dairyland | $82 |
| National General | $84 |
| State Auto | $92 |
| Direct Auto | $94 |
| Elephant | $96 |
| Liberty Mutual | $102 |
| GAINSCO | $114 |
| The General | $127 |
| Bristol West | $158 |
| Foremost | $172 |
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 $197 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: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $49 |
| USAA | $59 |
| GEICO | $65 |
| Auto-Owners | $68 |
| Travelers | $68 |
| Erie | $73 |
| Mile Auto | $79 |
| Allstate | $92 |
| Farmers | $98 |
| Safeco | $119 |
| Nationwide | $121 |
| Progressive | $132 |
| Midvale Home & Auto | $139 |
| Chubb | $142 |
| Elephant | $154 |
| State Auto | $189 |
| Liberty Mutual | $190 |
| National General | $195 |
| Direct Auto | $220 |
| The General | $231 |
| Dairyland | $235 |
| GAINSCO | $309 |
| Foremost | $333 |
| Bristol West | $389 |
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 recent rates near Clarksville, Tennessee
Drivers in and around Clarksville, Tennessee have found policies from State Farm, Mile Auto, GAINSCO, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Clarksville, Tennessee within the last 10 days. Last updated on October 30, 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 October 30, 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 October 30, 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 October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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:
Coverage ▲▼ | Minimum 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:
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist insurance covers you if you’re in an accident with another driver who lacks insurance.
Collision coverage
Collision insurance helps pay for the repair or replacement of your vehicle if it’s damaged in an accident.
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.
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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 $283 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: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| State Farm | $25 | $32 |
| USAA | $29 | $38 |
| GEICO | $31 | $41 |
| Travelers | $32 | $42 |
| Auto-Owners | $34 | $45 |
| Erie | $36 | $48 |
| Mile Auto | $44 | $59 |
| Allstate | $45 | $59 |
| Farmers | $48 | $62 |
| Nationwide | $59 | $78 |
| Progressive | $65 | $85 |
| Chubb | $69 | $92 |
| Safeco | $69 | $92 |
| Dairyland | $82 | $108 |
| National General | $84 | $110 |
| State Auto | $92 | $131 |
| Direct Auto | $94 | $123 |
| Elephant | $96 | $136 |
| Liberty Mutual | $102 | $144 |
| GAINSCO | $114 | $161 |
| The General | $127 | $168 |
| Bristol West | $158 | $207 |
| Foremost | $172 | $243 |
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 $292 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: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| State Farm | $25 | $34 |
| USAA | $29 | $40 |
| GEICO | $31 | $43 |
| Travelers | $32 | $44 |
| Auto-Owners | $34 | $47 |
| Erie | $36 | $50 |
| Mile Auto | $44 | $63 |
| Allstate | $45 | $62 |
| Farmers | $48 | $65 |
| Nationwide | $59 | $82 |
| Progressive | $65 | $90 |
| Chubb | $69 | $95 |
| Safeco | $69 | $92 |
| Dairyland | $82 | $112 |
| National General | $84 | $116 |
| State Auto | $92 | $138 |
| Direct Auto | $94 | $131 |
| Elephant | $96 | $129 |
| Liberty Mutual | $102 | $149 |
| GAINSCO | $114 | $150 |
| The General | $127 | $177 |
| Bristol West | $158 | $215 |
| Foremost | $172 | $252 |
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 $331. 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: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| State Farm | $25 | $42 |
| USAA | $29 | $48 |
| GEICO | $31 | $52 |
| Travelers | $32 | $53 |
| Auto-Owners | $34 | $57 |
| Erie | $36 | $60 |
| Mile Auto | $44 | $73 |
| Allstate | $45 | $75 |
| Farmers | $48 | $80 |
| Nationwide | $59 | $98 |
| Progressive | $65 | $108 |
| Chubb | $69 | $115 |
| Safeco | $69 | $115 |
| Dairyland | $82 | $137 |
| National General | $84 | $140 |
| State Auto | $92 | $153 |
| Direct Auto | $94 | $157 |
| Elephant | $96 | $160 |
| Liberty Mutual | $102 | $170 |
| GAINSCO | $114 | $190 |
| The General | $127 | $211 |
| Bristol West | $158 | $263 |
| Foremost | $172 | $286 |
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 $99. Here are some of the best monthly insurance quotes for seniors in Clarksville.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| State Farm | $35 | $18 |
| USAA | $43 | $21 |
| GEICO | $48 | $23 |
| Auto-Owners | $49 | $25 |
| Travelers | $49 | $23 |
| Erie | $50 | $25 |
| Mile Auto | $55 | $30 |
| Allstate | $68 | $33 |
| Farmers | $70 | $34 |
| Nationwide | $83 | $40 |
| Progressive | $86 | $42 |
| Safeco | $92 | $54 |
| Chubb | $95 | $46 |
| Elephant | $115 | $72 |
| State Auto | $132 | $64 |
| National General | $137 | $59 |
| Liberty Mutual | $146 | $78 |
| Direct Auto | $158 | $67 |
| Dairyland | $172 | $60 |
| The General | $173 | $95 |
| GAINSCO | $239 | $88 |
| Foremost | $243 | $125 |
| Bristol West | $286 | $116 |
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 $246 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: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| State Farm | $83 | $42 |
| USAA | $98 | $48 |
| GEICO | $103 | $49 |
| Auto-Owners | $115 | $57 |
| Erie | $122 | $60 |
| Travelers | $122 | $58 |
| Mile Auto | $153 | $85 |
| Allstate | $162 | $79 |
| Farmers | $171 | $84 |
| Nationwide | $208 | $102 |
| Progressive | $234 | $115 |
| Safeco | $237 | $137 |
| Elephant | $251 | $156 |
| Chubb | $267 | $130 |
| Liberty Mutual | $335 | $180 |
| State Auto | $335 | $163 |
| The General | $367 | $202 |
| National General | $383 | $165 |
| Dairyland | $384 | $134 |
| Direct Auto | $399 | $171 |
| GAINSCO | $538 | $198 |
| Foremost | $590 | $305 |
| Bristol West | $656 | $266 |
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 $197 per month for full coverage, compared to the average cost for the state of Tennessee, which is $167 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.
City ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Chattanooga | $170 | $82 |
| Knoxville | $173 | $75 |
| Memphis | $238 | $112 |
| Murfreesboro | $191 | $83 |
| Nashville | $204 | $89 |
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 $86 per month for liability-only coverage and $197 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 $25. 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 9.3 out of 5, and GEICO has a strong IQ Score of 9.0. 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
- 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.
Related articles
More cities in Tennessee
Sources
- Tennessee Department of Revenue. "Why You Should Have Auto Insurance."
- Tennessee Department of Safety & Homeland Security. "Schedule of Points Values."
- Virginia Department of Motor Vehicles. "Four Point Violations."
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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.
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