Updated: December 15, 2025
Advertising & Editorial Disclosure
Auto-Owners delivers the most affordable rates for diverse driver types at $81 monthly for full coverage and $32 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 stands out as the most budget-friendly option specifically for young drivers in Clarksville.
Cheapest by Coverage and Driver Profile in Clarksville:
Auto-Owners tops Clarksville's full coverage market at $81 monthly, saving drivers 31% compared to the city average, while Farm Bureau follows closely at $87 per month with 28% savings. For minimum coverage, Farm Bureau takes the top spot at $31 monthly, delivering 28% savings. Auto-Owners comes in second at $32 with 31% below average rates.
| 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 have high insurance costs due to their inexperience behind the wheel. Auto-Owners offers the most affordable coverage at $224 monthly. Travelers follows closely at $225 per month, while Erie costs $235 monthly.
Before shopping for your own policy, consider staying on your parents' plan, which saves hundreds of dollars 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 benefit from competitive insurance rates, with Farm Bureau at just $93 monthly for full coverage. Auto-Owners follows at $120 per month, while Travelers rounds out the top three at $129.
Drivers 65 and older can save through defensive driving courses, reducing premiums by up to 10% 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 just $31 monthly, matching its rates for at-fault accidents at the same price. For DUI coverage, the monthly cost is $49.
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 highlights how location-specific factors drive your rates. 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 96 out of 100. This insurer delivers the most affordable coverage in town while maintaining good customer satisfaction ratings.
Travelers, Farm Bureau, Erie Insurance 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 the lowest rates for young drivers seeking 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
Limited flexibility for customizing policies
Extra charges for roadside assistance add-ons
Middle-tier customer service compared to competitors
Travelers excels at customer service through its 24/7 claims support and ConciergeCLAIM Service, providing quick resolutions when Clarksville drivers have accidents. Its digital-first approach includes mobile apps and online tools.
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 can 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, which puts it in the moderate range 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.
Finding affordable car insurance in Clarksville starts with understanding 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 for the best car insurance in Clarksville are calculated by a weighted score incorporating 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. 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
