Updated: January 23, 2026
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Auto-Owners offers the most affordable rates for most drivers at $81 monthly for full coverage and $33 for minimum coverage, saving drivers 13% compared to Clarksville's average.
Farm Bureau ranks as the runner-up for affordability with $87 monthly full coverage and $31 minimum coverage rates. It's competitive for senior drivers, drivers with an accident and drivers with a DUI.
Travelers is the most budget-friendly option specifically for young drivers in Clarksville.
Cheapest by Coverage and Driver Profile in Clarksville:
Auto-Owners leads Clarksville's full coverage market at $81 monthly, saving drivers 31% compared to the city average. Farm Bureau costs $88 per month with 28% savings. For minimum coverage, Farm Bureau ranks first at $31 monthly, 28% below average. Auto-Owners costs $33 with 31% savings.
| Farm Bureau | $31 | $88 | -28% |
| Auto Owners | $33 | $81 | -31% |
| Erie Insurance | $43 | $110 | -8% |
| Travelers | $46 | $90 | -18% |
| Farmers | $50 | $100 | -9% |
Not in Clarksville? Read more about the cheapest car insurance in Tennessee or the best car insurance in Tennessee.
Young drivers in Clarksville pay high insurance costs because of limited driving experience. Auto-Owners offers the cheapest coverage at $224 monthly. Travelers costs $225 per month, and Erie charges $236.
Stay on your parents' plan before buying your own policy. You'll save hundreds compared to individual coverage.
| Auto Owners | $224 | $2,691 | -21% |
| Travelers | $225 | $2,705 | -20% |
| Erie Insurance | $236 | $2,831 | -16% |
| Farm Bureau | $238 | $2,852 | -16% |
| Geico | $240 | $2,882 | -15% |
Seniors in Clarksville get low insurance rates. Farm Bureau costs just $94 monthly for full coverage. Auto-Owners charges $121 per month, and Travelers costs $130.
Drivers 65 and older save through defensive driving courses — up to 10% off premiums for three years.
| Farm Bureau | $94 | $1,127 | -36% |
| Auto Owners | $121 | $1,447 | -18% |
| Travelers | $130 | $1,557 | -12% |
| Farmers | $135 | $1,614 | -9% |
| Penn National Insurance | $137 | $1,643 | -7% |
Farm Bureau offers the cheapest coverage for drivers with speeding tickets at $31 monthly, which is the same rate it charges for at-fault accidents. DUI coverage costs $49 monthly.
Auto-Owners comes in second for speeding violations at $45 monthly and at-fault accidents at $58, while State Farm takes the runner-up spot for DUI coverage at $55.
| At-Fault Accident | Farm Bureau | $31 | -58% |
| At-Fault Accident | Auto Owners | $58 | -22% |
| DUI | Farm Bureau | $49 | -42% |
| DUI | State Farm | $56 | -35% |
| Speeding Ticket | Farm Bureau | $31 | -52% |
| Speeding Ticket | Auto Owners | $46 | -30% |
Drivers in 37040 have monthly premiums around $112 for full coverage, while those in 37043 pay just $100. That $12 difference shows how crime rates, traffic patterns and local accident data affect what you pay. Crime statistics, traffic patterns and local accident data all influence what insurers charge.
| 37040 | $112 |
| 37042 | $112 |
| 37044 | $103 |
| 37043 | $100 |
| 37043 | $100 |
| 37044 | $103 |
| 37040 | $112 |
| 37042 | $112 |
Auto-Owners has a MoneyGeek score of 97 out of 100. This insurer offers the most affordable coverage in town and has good customer satisfaction ratings.
Travelers, Farm Bureau, Erie and Farmers round out the city's best options. These companies share a reputation for reliable service and reasonable pricing.
| Auto Owners | 97 | 1 | 1 | 6 |
| Travelers | 90 | 3 | 3 | 5 |
| Farm Bureau | 88 | 2 | 5 | 8 |
| Erie Insurance | 88 | 5 | 2 | 3 |
| Farmers | 81 | 4 | 10 | 1 |
Most affordable rates for Clarksville drivers
Fast claims processing with high satisfaction rates
TrueRide program rewards safe driving habits
No gap insurance for financed vehicles
Lacks online quote system for convenience
Fewer discount options than competitors
Auto-Owners ranks first in Clarksville for customer service and offers the lowest rates for young drivers who need full coverage. The company's local agents provide personalized support and fast claims handling. It also has 24/7 digital tools.
ConciergeCLAIM® service speeds up claims processing
IntelliDrive® program rewards safe driving habits
24/7 support through phone and mobile app
Less policy customization than competitors
Charges extra for roadside assistance
Average customer service ratings
Travelers offers 24/7 claims support and ConciergeCLAIM Service for quick resolutions when Clarksville drivers have accidents. Its mobile app and online tools make managing policies simple.
Clarksville drivers can find affordable coverage.
Combine your auto policy with home or renters insurance for 15% to 25% savings. Stack on multi-car discounts (10% to 25% per vehicle) plus good driver and paperless billing perks. These combined savings often reach 30% to 40% off your total premium.
Increasing your deductible from $500 to $1,000 cuts your annual premium by 10% to 15%. Make sure you have that deductible amount readily available in your emergency fund before making this adjustment.
Annual shopping ensures you're getting the most competitive pricing available.
We answer common questions about finding affordable coverage that fits your needs in Clarksville.
Clarksville car insurance runs about $107 monthly for full coverage, a moderate rate for Tennessee. While Bristol offers the cheapest rates at $37 per month, Memphis drivers pay more at $142 monthly, making Clarksville a reasonable middle ground for coverage costs.
To find affordable car insurance in Clarksville, understand how insurers price policies across the city. Traffic congestion, theft risk and Tennessee’s insurance requirements all shape your premium.
We partnered with the Tennessee Department of Commerce and Insurance and Quadrant Information Services to analyze hundreds of thousands of quotes from 12 insurers across every Clarksville ZIP code.
Our ratings combine affordability (60%), customer experience (30%) and coverage options (10%).
Read more about our methodology, which reveals which insurers maintain competitive rates across Clarksville neighborhoods and driver categories while delivering reliable claims service, not just advertised rates for perfect-record drivers.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
