In Clarksville, Farm Bureau offers the lowest annual rate for minimum coverage at $376, while Auto-Owners provides the cheapest full coverage at $974 per year. Erie, Travelers and Farmers also offer competitive rates in the city.
Car Insurance in Clarksville
Updated: August 4, 2025
Advertising & Editorial Disclosure
Key Takeaways
The cheapest car insurance companies in Clarksville are Auto-Owners, Farm Bureau and Travelers, with savings up to 31% compared to the city average.
Monthly car insurance costs in Clarksville average $107 for full coverage and $51 for minimum coverage.
To find the best cheap auto insurance in Clarksville, choose appropriate coverage levels and compare quotes from multiple sources.
Who Has the Cheapest Car Insurance in Clarksville?
| Auto-Owners | $33 | $81 | -31% |
| Farm Bureau | $31 | $88 | -28% |
| Travelers | $46 | $90 | -18% |
| Farmers | $50 | $100 | -9% |
| Erie | $43 | $110 | -8% |
Cheapest Clarksville Car Insurance by Category
Farm Bureau offers the cheapest rates in four driver categories in Clarksville. Auto-Owners wins for young drivers, adult drivers and those with older vehicles, while Penn National ranks most affordable for drivers with bad credit.
| Young Drivers | Auto-Owners | $94 |
| Adult Drivers | Auto-Owners | $33 |
| Senior Drivers | Farm Bureau | $37 |
| Drivers With an Accident | Farm Bureau | $31 |
| Drivers With a DUI | Farm Bureau | $49 |
| Drivers With a Speeding Ticket | Farm Bureau | $31 |
| Drivers With Bad Credit | Penn National | $103 |
| Drivers With Newer Cars | Travelers | $46 |
| Drivers With Old Cars | Auto-Owners | $23 |
Compare the Cheapest Clarksville Car Insurance for You
Your car insurance rate depends on your driving history and personal details, like age and credit score. Find the cheapest insurance company for your situation in the table below.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| Farm Bureau | $31 | $376 | -42% |
| Auto Owners | $33 | $392 | -39% |
| Erie Insurance | $43 | $514 | -20% |
| Penn National Insurance | $43 | $521 | -19% |
| Travelers | $46 | $551 | -14% |
Best Car Insurance Companies in Clarksville
In Clarksville, the top car insurance companies are Auto-Owners, Travelers, Farm Bureau and Erie. These providers stand out for offering competitive rates, reliable customer service and comprehensive coverage options.
| Auto-Owners | 97 | 1 | 1 | 6 |
| Travelers | 90 | 3 | 3 | 5 |
| Farm Bureau | 88 | 2 | 5 | 8 |
| Erie | 88 | 5 | 2 | 3 |
| Farmers | 81 | 4 | 10 | 1 |
Auto-Owners: Best Overall Value
pros
Top-rated customer service
Excellent rates for most drivers
Multiple discounts available
cons
Limited online tools
Basic coverage options
COMPANY HIGHLIGHTS
Auto-Owners ranks first in Clarksville for both customer satisfaction and affordability. Its rates come in well below the city average, making it an excellent value for most drivers. The company particularly stands out for young drivers, adult drivers, and those with older cars. While its coverage options are basic, the exceptional customer service and claims handling make it a reliable choice.
Travelers: Best for New Cars
pros
Strong coverage options
Good digital tools
Competitive rates
cons
Average customer service ratings
Limited local office presence
COMPANY HIGHLIGHTS
Travelers earns its second-place ranking by offering comprehensive coverage at competitive rates. The company excels at insuring newer vehicles, with specialized options for modern car features. While customer service ratings aren't top-tier, Travelers makes up for it with user-friendly digital tools and below-average rates. The company's broad coverage selection helps drivers customize their policies to specific needs.
How Much Is Car Insurance in Clarksville?
In Clarksville, minimum coverage costs about $51 per month or $615 per year, ranking 518th out of all Tennessee cities for affordability. Full coverage averages $107 monthly or $1,282 annually, ranking 508th among Tennessee cities.
| Full Coverage | $107 | $1,282 |
| Minimum Coverage | $51 | $615 |
Clarksville Car Insurance Cost by Category
In Clarksville, monthly coverage costs vary from $49 to $301 depending on your driver profile. Check the table below to see rates for your category.
| Young Drivers | $128 | $271 |
| Adult Drivers | $51 | $107 |
| Senior Drivers | $72 | $142 |
| Drivers With an Accident | $72 | $151 |
| Drivers With a DUI | $82 | $175 |
| Drivers With a Speeding Ticket | $62 | $133 |
| Drivers With Bad Credit | $145 | $301 |
| Drivers With Newer Cars | $64 | $134 |
| Drivers With Old Cars | $49 | $99 |
Clarksville Car Insurance Costs by ZIP Code
In Clarksville, car insurance rates by ZIP code range from $46 to $56 per month. ZIP code 37040 is the most expensive, while 37043 is the cheapest. Check the average rates for your ZIP code on the table below.
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ZIP Code:37040
| 37040 | $56 | $112 |
Compare Personalized Clarksville Car Insurance Costs
Filter our local rate data by age, driving record and other key factors below to find car insurance costs that match your exact profile.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| $55 | $656 | 10% |
How to Get the Best Cheap Clarksville Car Insurance
With Clarksville drivers facing steep insurance rates and complex coverage choices, our step-by-step guide helps you find affordable car insurance that fits your needs.
- 1
Calculate your coverage needs
Start by determining exactly how much coverage you need for your situation in Clarksville. Use our car insurance coverage needs calculator to understand your requirements. Consider your car's value, your assets and Tennessee's minimum coverage requirements.
- 2
Explore different coverage types
Look into various types of car insurance to find what fits your lifestyle. If you drive infrequently, consider pay-per-mile insurance. Don't own a car? A non-owner policy might be your best option.
- 3
Know the average costs
Research average vehicle insurance costs in Clarksville to set realistic expectations. This knowledge helps you recognize good deals and avoid overpaying.
- 4
Check available discounts
Maximize your savings with car insurance discount opportunities. Consider bundling multiple policies or getting multi-car discounts. Many insurers offer additional savings for good driving records, safety features, and automatic payments.
- 5
Research insurance company ratings
Check each insurance company's financial strength and customer service ratings. Look for reviews from other Clarksville drivers about their claims experience. A company's reputation for fair claims handling and responsive customer service is just as important as competitive rates.
- 6
Get and compare multiple quotes
Contact at least three different insurance companies for quotes. Use a mix of local agents, online tools, and direct carrier websites to ensure you're getting the best rates.
- 7
Review your policy annually
Mark your calendar to review your car insurance policy each year. Life changes like improving credit scores, moving within Clarksville, or buying a new car can affect your rates.
Cheapest Car Insurance in Clarksville: Bottom Line
Car insurance rates in Clarksville depend on your driving record, age and vehicle type. Auto-Owners and Farm Bureau offer the lowest average premiums in the area, but compare quotes from multiple providers to find your best rate.
Cheap Clarksville Car Insurance: FAQ
Looking for cheap car insurance in Clarksville? Our research team answers your most common questions about finding affordable coverage that fits your budget. We'll help you understand your options and make confident choices about auto insurance in Montgomery County.
What is the cheapest car insurance company in Clarksville, Tennessee?
Farm Bureau offers the lowest minimum coverage rates at $376 annually in Clarksville, while Auto-Owners provides full coverage at $974. Rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Clarksville?
Auto-Owners leads Clarksville's car insurance market with a MoneyGeek score of 97 out of 100, scoring 7 points higher than Travelers. The company excels in both affordability and service quality.
What is the average cost of car insurance in Clarksville?
In Clarksville, drivers pay $1,282 per year for full coverage and $615 for minimum coverage car insurance. Your actual rates will vary based on individual factors.
Is car insurance in Clarksville expensive?
Car insurance in Clarksville is more expensive than average, ranking 518th for minimum coverage affordability and 508th for full coverage compared to other Tennessee cities.
How We Chose the Best and Cheapest Car Insurance in Clarksville, TN
To help Clarksville drivers find the most affordable auto insurance companies, MoneyGeek analyzed auto insurance rates based on data and information from the Tennessee Department of Commerce and Insurance and Quadrant Information Services. We studied all ZIP codes in the city and hundreds of thousands of quotes for 12 companies offering auto insurance in Tennessee to tailor options as closely as possible to you.
Clarksville Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted certain factors, such as age, driving record, credit score and military affiliation, to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Clarksville
MoneyGeek compared the most affordable insurance providers for minimum and full coverage auto insurance policies.
The minimum coverage requirements in Tennessee are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies based on the following rating scale:
- Affordability (60% of score): To get this score, we evaluated quotes for various common driver profiles and compared rates to the competition within the city.
- Customer experience (30% of score): We used sources such as agency reviews on Google, J.D. Power, AM Best and forums like Reddit to gauge customer sentiment and experiences across the board.
- Coverage options (10% of score): This score considers the number of coverage options a provider offers and the uniqueness of the offering and benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Progressive. "Progressive Insurance Reviews." Accessed August 2, 2025.