Car insurance in Clarksville costs $817 annually on average, which is lower than Tennessee’s average. The cheapest widely-available insurer is GEICO, costing an average of $620 yearly. Money Geek analyzed the most affordable options using coverage amount and driving history. MoneyGeek listed the best insurance companies in Clarksville to ensure that you get quality service at an affordable price.
In Clarksville, GEICO is the cheapest car insurance company for full coverage and state minimum policies and for drivers with a speeding ticket. However, your premiums can change depending on the coverage you choose, your driving history and profile. USAA offers affordable options for military members and their families, but MoneyGeek’s overall top-rated auto insurance provider in Clarksville is Erie because of its balance between cost and customer service.
bestauto insuranceClarksville2022The Cheapest and Best Car Insurance in Clarksville
The Cheapest Car Insurance Companies in Clarksville
Full coverage car insurance includes liability, comprehensive and collision coverages. It financially protects the driver from most circumstances with its wide coverage.
MoneyGeek’s research shows these insurers offer the cheapest full coverage car insurance policies for an average driver in Clarksville:
- GEICO: $620 per year
- State Farm: $713 per year
At $551 per year, USAA is another affordable option, but it’s only available to military members and their families. It is the cheapest provider in Clarksville at just over 76% less than MetLife, the city’s most expensive provider.
Cheapest Car Insurance in Clarksville
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$551
- 2.$620
- 3.$713
- 4.$716
- 5.$738
Following MoneyGeek’s methodology, the approximate auto insurance rates in this guide are for a 40-year-old male driver in Clarksville with a full coverage policy.
Full coverage insurance includes comprehensive coverage, collision coverage, and the state’s minimum required coverages. It is more expensive than a minimum coverage policy but offers extensive financial protection in case of an accident.
- Comprehensive Coverage: Pays for loss and repairs for damages due to weather events, theft, falling objects and other incidents not caused by a collision.
- Collision Coverage: Pays for vehicle repair expenses if you’re in an accident.
It’s good to remember that a full coverage insurance policy can be more expensive than your car’s replacement value if you have an older vehicle. In that case, a liability-only or state minimum insurance policy is recommended to obtain the most affordable rates possible.
Cheapest Car Insurance in Clarksville for Minimum Coverage
If you’re looking for Clarksville’s most affordable car insurance, consider a state minimum policy. Such policies are significantly cheaper than full coverage, but lack comprehensive and collision coverages, exposing the driver to serious financial risks in case of an accident.
MoneyGeek’s study reveals these companies offer the most affordable minimum coverage policies:
- GEICO: $301 per year
- Tennessee Farmers: $308 per year
USAA offers the most affordable state minimum policies for drivers in Clarksville with a military background at $289 annually. It’s $299 cheaper than Metlife, the city’s most expensive state minimum provider.
Check the table below to see how costs vary depending on liability coverage.
Cheapest Minimum Liability Car Insurance in Clarksville
State Minimum
- CompanyState Minimumper year
- 1.$289
- 2.$301
- 3.Tennessee Farmers$308
- 4.$323
- 5.$328
Drivers in the state of Tennessee are required to have a minimum coverage policy that includes coverage for bodily injury liability, property damage liability, uninsured motorist bodily injury and uninsured motorist property damage
A minimum coverage policy is the cheapest available car insurance in Clarksville — buying one will reduce your monthly premiums quite a bit. However, in case of an accident, you may end up paying much more.
In Tennessee, liability insurance covers $25,000 for bodily injuries per person. So, if you’re at-fault in an accident and the other party’s medical expenses reach $35,000, you’ll be responsible to pay the balance of $10,000 yourself.
Tennessee Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$25,000 per person, $50,000 per accident and $15,000 for property damage. A more protective level is 100/300/100.
Cheapest Car Insurance in Clarksville if You Have Driving Violations
Your car insurance rates can go up if you get a speeding ticket, are charged with a DUI, an at-fault accident or other driving violations. It’s smart to improve your driving history in order to have your rates lowered, but that takes time.
In the meantime your best option is to compare car insurance offers to find the lowest rates. MoneyGeek’s research shows that the following companies offer the cheapest car insurance policies in Clarksville for drivers with bad records:
- Cheapest after a ticket: GEICO, $706 per year
- Cheapest after an at-fault accident: Tennessee Farmers, $834 per year
- Cheapest after a DUI: State Farm, $777 per year
USAA is also an affordable option for eligible members of the military. The insurer has the most affordable car insurance premiums for drivers with a speeding ticket and an at-fault accident record.
Cheapest Car Insurance in Clarksville With a Violation
Speeding Ticket
- CompanySpeeding Ticketper year
- 1.$652
- 2.$706
- 3.$738
- 4.$777
- 5.Tennessee Farmers$834
Average Cost of Car Insurance in Clarksville
Clarksville$817
Tennessee$1,018
U.S.$1,424
The average annual car insurance price in Clarksville is $817. This is 19.7% less than the Tennessee average and 42.6% cheaper than the U.S. average.
Personalized Quotes to Get You the Cheapest Car Insurance in Clarksville
Auto insurers look at various factors to determine car insurance quotes in Clarksville. These can include the driver’s age and gender, driving record, marital status and more.
For example, the average GEICO policy for a 40-year-old male driver in Clarksville costs $620 per year. As that same driver ages, his premiums will likely change.
It’s a good idea to regularly compare car insurance quotes from several providers to find cheap coverage that matches your life circumstances.
The Best Car Insurance Companies in Clarksville
MoneyGeek analyzed Clarksville’s top car insurance providers to help you find affordable and quality insurers.
Our study reveals that overall the best car insurance companies in the city are:
- Erie: MoneyGeek score of 93 out of 100
- Auto-Owners Insurance Co: MoneyGeek score of 90 out of 100
USAA received the best scores based on MoneyGeek’s rating system. However, because it’s only available to military members, veterans and their families, it is not listed as Clarksville's best overall.
MoneyGeek reviewed various factors to determine the final scores out of 100. These include J.D. Power user satisfaction, affordability and the insurer’s financial stability ratings.
1
USAA
Score:9
2
Erie
Score:92.5
3
Auto-Owners Insurance Co
Score:9
4
GEICO
Score:8
5
State Farm
Score:82.5
6
Nationwide
Score:8
7
Travelers
Score:8
8
MetLife
Score:8
9
Safeco
Score:77.5
10
Progressive
Score:77.5
11
Allstate
Score:7
12
Liberty Mutual
Score:7
13
National General
Score:72.5
Average Cost of Car Insurance by Postal Code
Car insurance companies in Clarksville evaluate your neighborhood when calculating your auto insurance premium. Communities with more frequent instances of car thefts and accidents can be more expensive since companies view them as riskier to insure.
Drivers in Clarksville who live in the 37043 ZIP code typically pay an average of $12 less per year for their auto coverage than residents in the 37042 neighborhood.
- Zip CodeState Minimumper year
- 37043$811
- 37040$818
- 37042$823
Factors That Impact Insurance Costs in Clarksville
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Clarksville. How Clarksville ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Methodology and Assumptions
MoneyGeek’s average premium rates for Clarksville are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
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