Car Insurance in Clarksville

Farm Bureau offers the cheapest rates for most driver categories in Clarksville. Seniors with clean records pay the least at $376 per year with Farm Bureau, which is 4% less than the $392 adult drivers with clean records pay through Auto-Owners.

Drivers with DUIs face the steepest costs at $593 annually with Farm Bureau, representing a 58% increase over clean-record rates. Young drivers pay significantly more at $1,071 annually through Farm Bureau, nearly three times what adults pay.

Across all driver profiles, maintaining a clean record saves Clarksville drivers hundreds of dollars annually compared to those with violations.

Auto-Owners provides the cheapest minimum coverage in Clarksville at $392 per year, which is 59% lower than the city average of $949. For full coverage, Auto-Owners charges $974 annually, offering substantial savings for local drivers.

Farm Bureau ranks as the second most affordable option at $376 per year for minimum coverage. These rates make Clarksville one of Tennessee's most affordable cities for car insurance.

Both insurers maintain competitive pricing across multiple driver categories, making them solid choices for budget-conscious residents.

Adult drivers in Clarksville enjoy the lowest rates at $376 annually through Farm Bureau, while young drivers face the highest premiums. State Farm charges young drivers $1,071 per year, which is 185% more than what adults pay.

Seniors land in the middle at $446 annually with Farm Bureau, paying 19% more than adults but substantially less than younger drivers. The significant age-based pricing reflects insurers' risk assessments, with younger drivers' limited experience translating to higher premiums.

Shopping across multiple insurers becomes especially important for young drivers seeking affordable coverage in Clarksville.

Farm Bureau provides the cheapest rates for drivers with clean records in Clarksville at $376 per year. Rates climb to $593 annually for DUI violations through Farm Bureau, a 58% increase.

Drivers with at-fault accidents or speeding tickets maintain the same $376 rate with Farm Bureau, showing Tennessee's relatively lenient approach to minor violations. Auto-Owners charges $392 annually for clean-record adult drivers, making it another competitive option.

Maintaining a violation-free record or comparing quotes after incidents helps Clarksville drivers secure the most affordable coverage available.

Auto-Owners ranks as the best car insurance company in Clarksville, combining exceptional affordability with strong service. It earned high marks for balancing competitive rates with reliable claims handling.

Travelers ranks second with a MoneyGeek score reflecting excellent customer satisfaction despite slightly higher premiums. Auto-Owners stands out for maintaining consistently low rates across multiple driver profiles while delivering dependable coverage.

Both companies demonstrate financial stability and responsive customer service, making them trustworthy choices for Clarksville residents seeking quality protection.

Car insurance in Clarksville costs an average of $949 per year. Minimum coverage averages $79 monthly while full coverage runs about $948 annually.

These rates position Clarksville well below Tennessee's state averages, making it one of the more affordable cities for coverage. Auto-Owners and Farm Bureau both offer rates significantly below the city average, with minimum coverage starting at $376 to $392 annually.

Local drivers benefit from competitive pricing among multiple insurers, creating opportunities for substantial savings through comparison shopping.

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.

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.

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.

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.

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.