Compare Rates and Save on Auto Insurance

widget-location-pin

Auto-Owners Insurance Co is the cheapest company for minimum and full coverage policies. State Farm is the cheapest after a speeding ticket, an at-fault accident and a DUI. The other most affordable companies are Nationwide for teens, and USAA is the cheapest for military drivers. Chubb is the best option for customer service. The best insurer for you will vary based on your needs and profile.

MoneyGeek Logo IconCheapest + BestCar InsuranceClarksville
2023

Cheapest and Best Car Insurance in Clarksville

Cheapest Minimum Liability Car Insurance in Clarksville

The cheapest car insurance companies for a minimum coverage policy in Clarksville are:

  • Auto-Owners Insurance Co: $219 per year
  • State Farm: $250 per year

Allstate offers the most expensive minimum coverage policy, with an average premium of $534 per year. As of October 2022, Auto-Owners Insurance Co is also the cheapest car insurance in Tennessee, at $207 per year. The same policy is slightly more expensive in Clarksville.

The cost of policies varies by city, even if they’re in the same state. Several factors, like location, can affect the cost of car insurance.

Company
Annual Premium
Monthly Premium

Auto-Owners Insurance Co

$219

$18

Auto-Owners Insurance Co

$220

$18

State Farm

$236

$20

State Farm

$250

$21

Erie

$275

$23

Erie

$277

$23

Tennessee Farm Bureau

$296

$25

Chubb

$304

$25

State Farm

$305

$25

Tennessee Farm Bureau

$310

$26

Auto-Owners Insurance Co

$316

$26

Cincinnati Insurance

$327

$27

Chubb

$328

$27

Westfield

$329

$27

Farmers

$342

$28

Farmers

$357

$30

Westfield

$363

$30

Grange Insurance

$367

$31

Erie

$369

$31

Grange Insurance

$370

$31

Cincinnati Insurance

$384

$32

Westfield

$387

$32

GEICO

$399

$33

Grange Insurance

$408

$34

Tennessee Farm Bureau

$417

$35

Farmers

$420

$35

Travelers

$436

$36

American National P&C

$436

$36

GEICO

$436

$36

Progressive

$444

$37

Progressive

$476

$40

Cincinnati Insurance

$479

$40

Travelers

$484

$40

Travelers

$488

$41

Nationwide

$490

$41

American National P&C

$500

$42

Nationwide

$502

$42

GEICO

$503

$42

American National P&C

$524

$44

Allstate

$534

$44

Chubb

$536

$45

Allstate

$540

$45

State Farm

$563

$47

Nationwide

$566

$47

Auto-Owners Insurance Co

$571

$48

Allstate

$574

$48

Progressive

$591

$49

Auto-Owners Insurance Co

$604

$50

State Farm

$618

$52

Farmers

$632

$53

Farmers

$664

$55

Erie

$720

$60

Erie

$727

$61

Tennessee Farm Bureau

$763

$64

Nationwide

$765

$64

Chubb

$777

$65

Cincinnati Insurance

$789

$66

State Farm

$790

$66

Farmers

$801

$67

Westfield

$806

$67

Westfield

$809

$67

Grange Insurance

$826

$69

Nationwide

$828

$69

Travelers

$856

$71

Auto-Owners Insurance Co

$868

$72

Tennessee Farm Bureau

$872

$73

Travelers

$874

$73

GEICO

$875

$73

Chubb

$877

$73

GEICO

$891

$74

Grange Insurance

$905

$75

Allstate

$914

$76

Erie

$965

$80

Allstate

$966

$81

Nationwide

$978

$82

Cincinnati Insurance

$978

$82

Allstate

$986

$82

Travelers

$1,002

$83

Grange Insurance

$1,006

$84

Westfield

$1,039

$87

American National P&C

$1,084

$90

Progressive

$1,084

$90

American National P&C

$1,098

$92

GEICO

$1,145

$95

Progressive

$1,196

$100

Tennessee Farm Bureau

$1,200

$100

Cincinnati Insurance

$1,231

$103

Chubb

$1,260

$105

American National P&C

$1,390

$116

Progressive

$1,543

$129

A minimum coverage policy only covers bodily injury liability and property damage liability. According to Tennessee law, each policy must include the following limits:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $15,000 property damage liability per accident

Bodily injury liability pays for the expenses of an injured person in an accident. Each person can be covered for $25,000. If there are multiple injured parties, all of them can only be covered for up to $50,000. Anything in excess of this limit will result in you having to pay out of pocket.

Cheapest Full Coverage Car Insurance in Clarksville

The most affordable car insurance companies for a full coverage policy in Clarksville are:

  • Auto-Owners Insurance Co: $604 per year
  • State Farm: $618 per year

The most expensive company is Progressive, where a full coverage policy can cost $1,196 per year. As of October 2022, State Farm also offers the cheapest full coverage car insurance in Tennessee at $576 per year. This is cheaper than the cost of coverage in Clarksville, demonstrating how premiums can differ by location.

Company
Annual Premium
Monthly Premium

Auto-Owners Insurance Co

$219

$18

Auto-Owners Insurance Co

$220

$18

State Farm

$236

$20

State Farm

$250

$21

Erie

$275

$23

Erie

$277

$23

Tennessee Farm Bureau

$296

$25

Chubb

$304

$25

State Farm

$305

$25

Tennessee Farm Bureau

$310

$26

Auto-Owners Insurance Co

$316

$26

Cincinnati Insurance

$327

$27

Chubb

$328

$27

Westfield

$329

$27

Farmers

$342

$28

Farmers

$357

$30

Westfield

$363

$30

Grange Insurance

$367

$31

Erie

$369

$31

Grange Insurance

$370

$31

Cincinnati Insurance

$384

$32

Westfield

$387

$32

GEICO

$399

$33

Grange Insurance

$408

$34

Tennessee Farm Bureau

$417

$35

Farmers

$420

$35

Travelers

$436

$36

American National P&C

$436

$36

GEICO

$436

$36

Progressive

$444

$37

Progressive

$476

$40

Cincinnati Insurance

$479

$40

Travelers

$484

$40

Travelers

$488

$41

Nationwide

$490

$41

American National P&C

$500

$42

Nationwide

$502

$42

GEICO

$503

$42

American National P&C

$524

$44

Allstate

$534

$44

Chubb

$536

$45

Allstate

$540

$45

State Farm

$563

$47

Nationwide

$566

$47

Auto-Owners Insurance Co

$571

$48

Allstate

$574

$48

Progressive

$591

$49

Auto-Owners Insurance Co

$604

$50

State Farm

$618

$52

Farmers

$632

$53

Farmers

$664

$55

Erie

$720

$60

Erie

$727

$61

Tennessee Farm Bureau

$763

$64

Nationwide

$765

$64

Chubb

$777

$65

Cincinnati Insurance

$789

$66

State Farm

$790

$66

Farmers

$801

$67

Westfield

$806

$67

Westfield

$809

$67

Grange Insurance

$826

$69

Nationwide

$828

$69

Travelers

$856

$71

Auto-Owners Insurance Co

$868

$72

Tennessee Farm Bureau

$872

$73

Travelers

$874

$73

GEICO

$875

$73

Chubb

$877

$73

GEICO

$891

$74

Grange Insurance

$905

$75

Allstate

$914

$76

Erie

$965

$80

Allstate

$966

$81

Nationwide

$978

$82

Cincinnati Insurance

$978

$82

Allstate

$986

$82

Travelers

$1,002

$83

Grange Insurance

$1,006

$84

Westfield

$1,039

$87

American National P&C

$1,084

$90

Progressive

$1,084

$90

American National P&C

$1,098

$92

GEICO

$1,145

$95

Progressive

$1,196

$100

Tennessee Farm Bureau

$1,200

$100

Cincinnati Insurance

$1,231

$103

Chubb

$1,260

$105

American National P&C

$1,390

$116

Progressive

$1,543

$129

A full coverage policy includes collision and comprehensive coverage. These can cover:

  • Collision insurance: The cost of repairs or replacements when your vehicle collides with another vehicle or a stationary object when you’re at fault.
  • Comprehensive Insurance: Your insurance can cover repairs or replacements without the at-fault requirement.

Full coverage policies have expensive premiums that may not be worth it for low-value vehicles, such as old cars.

Cheapest Car Insurance in Clarksville After a Driving Offense

The cheapest car insurance companies after driving violations in Clarksville are:

  • Speeding ticket: State Farm ($676 per year)
  • At-fault accident: State Farm ($734 per year)
  • DUI: State Farm ($676 per year)

On average, the most expensive company after a speeding ticket or an at-fault accident is Progressive, which costs $1,573 per year or $2,137 per year, respectively. Chubb is the most expensive company after a DUI, with an average rate of $3,453 per year.

Car insurance premiums may rise due to traffic violations, making your coverage more expensive than that of drivers with clean records.

Company
Annual Premium
Monthly Premium

State Farm

$262

$22

State Farm

$262

$22

State Farm

$278

$23

State Farm

$278

$23

Erie

$287

$24

State Farm

$288

$24

Erie

$289

$24

Tennessee Farm Bureau

$296

$25

Tennessee Farm Bureau

$296

$25

State Farm

$306

$26

Auto-Owners Insurance Co

$308

$26

Auto-Owners Insurance Co

$310

$26

Tennessee Farm Bureau

$310

$26

Tennessee Farm Bureau

$310

$26

State Farm

$339

$28

State Farm

$339

$28

Chubb

$343

$29

Chubb

$372

$31

State Farm

$373

$31

Erie

$376

$31

Erie

$376

$31

Erie

$384

$32

Cincinnati Insurance

$391

$33

Westfield

$395

$33

Auto-Owners Insurance Co

$399

$33

Auto-Owners Insurance Co

$401

$33

Tennessee Farm Bureau

$417

$35

Tennessee Farm Bureau

$417

$35

Farmers

$421

$35

Westfield

$436

$36

GEICO

$442

$37

Auto-Owners Insurance Co

$444

$37

Cincinnati Insurance

$457

$38

Westfield

$465

$39

Tennessee Farm Bureau

$465

$39

Erie

$466

$39

Erie

$466

$39

Farmers

$472

$39

GEICO

$485

$40

Farmers

$486

$40

Tennessee Farm Bureau

$487

$41

Grange Insurance

$497

$41

Farmers

$498

$41

Erie

$502

$42

Grange Insurance

$509

$42

Chubb

$511

$43

Farmers

$512

$43

American National P&C

$528

$44

Progressive

$534

$45

GEICO

$542

$45

Nationwide

$542

$45

Grange Insurance

$546

$46

Farmers

$547

$46

Grange Insurance

$553

$46

Nationwide

$553

$46

Chubb

$557

$46

Farmers

$564

$47

Progressive

$565

$47

Westfield

$568

$47

Farmers

$568

$47

Cincinnati Insurance

$572

$48

Auto-Owners Insurance Co

$575

$48

Travelers

$577

$48

Allstate

$579

$48

Allstate

$586

$49

Grange Insurance

$589

$49

Farmers

$592

$49

Westfield

$601

$50

Auto-Owners Insurance Co

$602

$50

Travelers

$604

$50

Grange Insurance

$606

$50

Auto-Owners Insurance Co

$606

$51

American National P&C

$606

$51

Travelers

$609

$51

Chubb

$613

$51

Nationwide

$617

$51

State Farm

$617

$51

State Farm

$617

$51

Erie

$619

$52

GEICO

$621

$52

Westfield

$625

$52

Allstate

$625

$52

American National P&C

$628

$52

Grange Insurance

$629

$52

Progressive

$633

$53

American National P&C

$634

$53

Grange Insurance

$638

$53

Travelers

$640

$53

Nationwide

$650

$54

Tennessee Farm Bureau

$658

$55

Progressive

$659

$55

Allstate

$659

$55

Nationwide

$666

$56

Allstate

$668

$56

Travelers

$669

$56

Allstate

$671

$56

State Farm

$672

$56

State Farm

$676

$56

State Farm

$676

$56

Allstate

$680

$57

Progressive

$681

$57

Travelers

$690

$57

Travelers

$700

$58

Grange Insurance

$701

$58

Cincinnati Insurance

$701

$58

GEICO

$701

$58

American National P&C

$712

$59

Allstate

$717

$60

American National P&C

$722

$60

Travelers

$731

$61

Allstate

$732

$61

State Farm

$734

$61

Erie

$745

$62

Nationwide

$749

$62

Erie

$752

$63

American National P&C

$754

$63

Nationwide

$754

$63

Cincinnati Insurance

$754

$63

Progressive

$755

$63

Tennessee Farm Bureau

$763

$64

Tennessee Farm Bureau

$763

$64

Nationwide

$770

$64

GEICO

$773

$64

GEICO

$773

$64

Travelers

$804

$67

American National P&C

$820

$68

Auto-Owners Insurance Co

$827

$69

Cincinnati Insurance

$832

$69

GEICO

$846

$71

Farmers

$850

$71

Nationwide

$854

$71

American National P&C

$856

$71

Farmers

$858

$71

State Farm

$865

$72

State Farm

$865

$72

Auto-Owners Insurance Co

$868

$72

Auto-Owners Insurance Co

$869

$72

Tennessee Farm Bureau

$872

$73

Tennessee Farm Bureau

$872

$73

Progressive

$878

$73

Chubb

$878

$73

GEICO

$888

$74

Cincinnati Insurance

$889

$74

Nationwide

$896

$75

Farmers

$926

$77

Cincinnati Insurance

$934

$78

Chubb

$937

$78

Erie

$939

$78

Erie

$939

$78

State Farm

$941

$78

Farmers

$945

$79

Nationwide

$959

$80

Westfield

$967

$81

Farmers

$970

$81

Westfield

$971

$81

Progressive

$974

$81

Farmers

$986

$82

Farmers

$988

$82

Chubb

$994

$83

Erie

$996

$83

GEICO

$999

$83

Allstate

$1,015

$85

Progressive

$1,020

$85

Cincinnati Insurance

$1,025

$85

Auto-Owners Insurance Co

$1,038

$87

GEICO

$1,038

$87

Farmers

$1,063

$89

Allstate

$1,078

$90

Auto-Owners Insurance Co

$1,082

$90

Allstate

$1,098

$92

Cincinnati Insurance

$1,105

$92

Farmers

$1,108

$92

Nationwide

$1,109

$92

Westfield

$1,115

$93

Erie

$1,126

$94

Erie

$1,129

$94

Westfield

$1,149

$96

Cincinnati Insurance

$1,163

$97

Nationwide

$1,163

$97

Westfield

$1,173

$98

Chubb

$1,183

$99

Allstate

$1,184

$99

Travelers

$1,199

$100

Tennessee Farm Bureau

$1,200

$100

Tennessee Farm Bureau

$1,200

$100

Grange Insurance

$1,209

$101

Tennessee Farm Bureau

$1,212

$101

Allstate

$1,223

$102

Grange Insurance

$1,238

$103

Grange Insurance

$1,241

$103

Nationwide

$1,245

$104

Westfield

$1,248

$104

Erie

$1,248

$104

Grange Insurance

$1,249

$104

American National P&C

$1,250

$104

Travelers

$1,251

$104

GEICO

$1,259

$105

Auto-Owners Insurance Co

$1,260

$105

American National P&C

$1,260

$105

Westfield

$1,262

$105

Allstate

$1,264

$105

Westfield

$1,266

$106

Allstate

$1,283

$107

Chubb

$1,294

$108

Chubb

$1,302

$109

Travelers

$1,307

$109

Allstate

$1,308

$109

Travelers

$1,313

$109

Allstate

$1,327

$111

Progressive

$1,341

$112

Grange Insurance

$1,352

$113

Progressive

$1,358

$113

Travelers

$1,366

$114

American National P&C

$1,366

$114

Travelers

$1,375

$115

Travelers

$1,380

$115

Tennessee Farm Bureau

$1,385

$115

American National P&C

$1,396

$116

GEICO

$1,421

$118

Nationwide

$1,429

$119

Chubb

$1,438

$120

Nationwide

$1,439

$120

Grange Insurance

$1,454

$121

Cincinnati Insurance

$1,463

$122

American National P&C

$1,468

$122

Chubb

$1,484

$124

Westfield

$1,496

$125

GEICO

$1,496

$125

Travelers

$1,499

$125

Erie

$1,499

$125

Grange Insurance

$1,504

$125

Auto-Owners Insurance Co

$1,509

$126

Nationwide

$1,510

$126

American National P&C

$1,512

$126

Travelers

$1,522

$127

Auto-Owners Insurance Co

$1,559

$130

Progressive

$1,573

$131

Auto-Owners Insurance Co

$1,578

$132

American National P&C

$1,580

$132

Grange Insurance

$1,590

$133

Progressive

$1,614

$135

Cincinnati Insurance

$1,636

$136

GEICO

$1,650

$138

Nationwide

$1,704

$142

Progressive

$1,712

$143

American National P&C

$1,722

$144

Grange Insurance

$1,771

$148

GEICO

$1,787

$149

GEICO

$1,805

$150

Cincinnati Insurance

$1,811

$151

American National P&C

$1,842

$154

Tennessee Farm Bureau

$1,910

$159

GEICO

$1,916

$160

Progressive

$1,946

$162

Cincinnati Insurance

$2,043

$170

Progressive

$2,137

$178

Chubb

$2,188

$182

Chubb

$2,234

$186

Cincinnati Insurance

$2,255

$188

Progressive

$2,266

$189

Auto-Owners Insurance Co

$2,291

$191

Westfield

$2,314

$193

Westfield

$2,318

$193

Westfield

$2,549

$212

Cincinnati Insurance

$2,563

$214

Progressive

$2,579

$215

Cincinnati Insurance

$2,838

$237

Chubb

$3,003

$250

Chubb

$3,453

$288

Chubb

$5,192

$433

The increase in your premiums depends on your violation. Your premium may increase by roughly $192 a year following a speeding ticket, while it may increase by around $792 annually following a DUI.

Insurers often see drivers with infractions as high-risk individuals who are more prone to make claims. As a result, premiums can be significantly higher, but it’s not always the case. You can still get affordable car insurance with a bad record by comparing rates.

Cheapest Car Insurance in Clarksville for Teens and Their Families

The cheapest car insurance companies for teens on a family policy in Clarksville are:

  • Nationwide: $1,282 per year for girls and $1,453 per year for boys
  • Farmers: $1,575 per year for girls and $1,670 per year for boys

The most expensive company is Progressive, with average premiums of $2,699 per year for girls and $2,938 per year for boys. Boys' premiums are higher than girls' because insurers view boys as high-risk individuals. Nationwide's car insurance for teens is more expensive for boys by $169 per year. This difference tapers off in early adulthood.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

Farmers

$797

$1,470

Farmers

$854

$1,641

State Farm

$857

$1,763

Nationwide

$891

$1,614

Nationwide

$897

$1,727

Nationwide

$939

$2,251

State Farm

$960

$1,976

Nationwide

$986

$1,786

Nationwide

$990

$2,597

State Farm

$991

$2,003

State Farm

$1,012

$2,422

Travelers

$1,014

$1,707

Nationwide

$1,022

$2,126

Auto-Owners Insurance Co

$1,034

$2,856

Nationwide

$1,038

$1,880

Nationwide

$1,041

$2,005

Auto-Owners Insurance Co

$1,046

$2,800

State Farm

$1,054

$2,170

Nationwide

$1,076

$2,430

State Farm

$1,079

$2,633

Travelers

$1,094

$1,787

Auto-Owners Insurance Co

$1,098

$2,940

Nationwide

$1,103

$2,123

State Farm

$1,127

$2,278

Farmers

$1,131

$1,263

Travelers

$1,134

$1,909

Auto-Owners Insurance Co

$1,137

$3,139

Auto-Owners Insurance Co

$1,141

$3,372

Travelers

$1,143

$2,103

Allstate

$1,149

$1,623

Farmers

$1,149

$1,284

Farmers

$1,157

$1,292

Auto-Owners Insurance Co

$1,162

$3,111

Farmers

$1,171

$1,392

Travelers

$1,173

$1,975

Allstate

$1,177

$1,636

Farmers

$1,190

$1,368

State Farm

$1,196

$2,868

Auto-Owners Insurance Co

$1,199

$3,827

Nationwide

$1,199

$4,072

Nationwide

$1,207

$3,480

Farmers

$1,213

$1,394

Allstate

$1,215

$2,178

Farmers

$1,228

$5,300

Nationwide

$1,232

$2,952

Farmers

$1,232

$1,417

Auto-Owners Insurance Co

$1,234

$4,234

Farmers

$1,235

$2,824

Auto-Owners Insurance Co

$1,238

$3,419

Allstate

$1,243

$1,755

State Farm

$1,245

$3,037

State Farm

$1,245

$3,443

Travelers

$1,246

$2,035

Farmers

$1,247

$1,555

State Farm

$1,248

$2,523

Travelers

$1,275

$2,282

Nationwide

$1,284

$4,501

Travelers

$1,284

$2,389

Allstate

$1,290

$2,422

Farmers

$1,291

$3,040

Allstate

$1,291

$4,862

Auto-Owners Insurance Co

$1,292

$3,590

Farmers

$1,297

$5,742

Allstate

$1,307

$2,111

Nationwide

$1,326

$4,501

GEICO

$1,334

$1,997

Travelers

$1,334

$2,179

State Farm

$1,337

$3,199

Allstate

$1,341

$1,864

Allstate

$1,343

$1,897

Nationwide

$1,354

$5,190

Nationwide

$1,361

$4,482

GEICO

$1,364

$2,061

Farmers

$1,376

$2,538

GEICO

$1,377

$2,061

Nationwide

$1,383

$3,626

GEICO

$1,388

$2,099

Allstate

$1,389

$2,194

GEICO

$1,393

$2,907

Allstate

$1,421

$2,547

Auto-Owners Insurance Co

$1,426

$4,894

Farmers

$1,428

$6,163

Allstate

$1,433

$2,984

Auto-Owners Insurance Co

$1,434

$5,634

Auto-Owners Insurance Co

$1,434

$3,985

State Farm

$1,436

$3,960

Farmers

$1,437

$2,761

GEICO

$1,440

$3,100

Auto-Owners Insurance Co

$1,440

$4,427

GEICO

$1,453

$2,176

Nationwide

$1,453

$5,759

Allstate

$1,458

$2,027

GEICO

$1,473

$2,589

Allstate

$1,476

$5,510

GEICO

$1,480

$2,238

Travelers

$1,481

$2,651

Travelers

$1,488

$2,662

Travelers

$1,491

$3,057

Nationwide

$1,503

$5,759

Farmers

$1,515

$6,706

GEICO

$1,517

$2,773

Allstate

$1,561

$3,309

State Farm

$1,575

$4,332

Farmers

$1,575

$8,932

State Farm

$1,576

$3,772

Allstate

$1,629

$3,058

Progressive

$1,645

$2,538

State Farm

$1,646

$4,541

State Farm

$1,654

$5,187

Farmers

$1,670

$9,726

Travelers

$1,677

$3,846

Progressive

$1,720

$2,657

GEICO

$1,735

$4,209

Travelers

$1,738

$3,111

Allstate

$1,743

$6,562

Travelers

$1,752

$3,643

Allstate

$1,781

$8,692

GEICO

$1,796

$3,749

GEICO

$1,824

$4,593

Progressive

$1,830

$2,823

State Farm

$1,832

$4,974

Progressive

$1,861

$3,827

Allstate

$1,878

$8,345

Progressive

$1,884

$3,249

GEICO

$1,899

$4,087

GEICO

$1,902

$5,154

Allstate

$1,922

$7,175

Progressive

$1,942

$2,999

Progressive

$1,956

$3,018

Travelers

$2,038

$4,670

Travelers

$2,052

$4,705

Progressive

$2,054

$3,705

GEICO

$2,057

$5,651

State Farm

$2,098

$5,697

State Farm

$2,109

$6,505

Travelers

$2,125

$6,067

Progressive

$2,138

$4,509

Progressive

$2,154

$3,327

GEICO

$2,202

$5,967

GEICO

$2,324

$7,770

Auto-Owners Insurance Co

$2,366

$6,396

Auto-Owners Insurance Co

$2,380

$8,372

GEICO

$2,416

$6,639

Progressive

$2,425

$5,970

GEICO

$2,500

$8,320

Progressive

$2,511

$5,163

Progressive

$2,536

$12,434

Travelers

$2,547

$5,836

Auto-Owners Insurance Co

$2,577

$7,492

Auto-Owners Insurance Co

$2,594

$7,012

Travelers

$2,649

$7,704

Auto-Owners Insurance Co

$2,656

$10,310

Auto-Owners Insurance Co

$2,657

$9,346

Progressive

$2,699

$12,771

Progressive

$2,772

$6,994

Progressive

$2,811

$14,177

Progressive

$2,861

$6,033

Progressive

$2,938

$14,189

Progressive

$2,957

$14,501

Progressive

$3,190

$16,086

Individual insurance for teens can be more expensive compared to when they're covered by their parent's policy. A 16-year-old boy's car insurance in Clarksville costs $2,890 more per year if they get their own policy vs. being added to a family policy. Adding a teen to the family policy could be the best way to find the cheapest car insurance for teenagers.

Cheapest Car Insurance in Clarksville for Military Drivers

The cheapest car insurance companies for active or veteran military families in Clarksville are:

  • USAA: $542 per year
  • Auto-Owners Insurance Co: $604 per year

The same companies offer the cheapest car insurance for military drivers looking for a minimum coverage policy. USAA is also the most affordable, with an average premium of $213 per year. This is followed by Auto-Owners Insurance Co, which costs an average of $219 per year.

Company
Annual Premium
Monthly Premium

USAA

$213

$18

USAA

$215

$18

Auto-Owners Insurance Co

$219

$18

Auto-Owners Insurance Co

$220

$18

State Farm

$236

$20

State Farm

$250

$21

USAA

$275

$23

Erie

$275

$23

Erie

$277

$23

Tennessee Farm Bureau

$296

$25

Chubb

$304

$25

State Farm

$305

$25

Tennessee Farm Bureau

$310

$26

Auto-Owners Insurance Co

$316

$26

Cincinnati Insurance

$327

$27

Chubb

$328

$27

Westfield

$329

$27

Farmers

$342

$28

Farmers

$357

$30

Westfield

$363

$30

Grange Insurance

$367

$31

Erie

$369

$31

Grange Insurance

$370

$31

Cincinnati Insurance

$384

$32

Westfield

$387

$32

GEICO

$399

$33

Grange Insurance

$408

$34

Tennessee Farm Bureau

$417

$35

Farmers

$420

$35

Travelers

$436

$36

American National P&C

$436

$36

GEICO

$436

$36

Progressive

$444

$37

Progressive

$476

$40

Cincinnati Insurance

$479

$40

Travelers

$484

$40

Travelers

$488

$41

Nationwide

$490

$41

American National P&C

$500

$42

Nationwide

$502

$42

GEICO

$503

$42

USAA

$520

$43

American National P&C

$524

$44

Allstate

$534

$44

Chubb

$536

$45

Allstate

$540

$45

USAA

$542

$45

State Farm

$563

$47

Nationwide

$566

$47

Auto-Owners Insurance Co

$571

$48

Allstate

$574

$48

Progressive

$591

$49

Auto-Owners Insurance Co

$604

$50

State Farm

$618

$52

Farmers

$632

$53

Farmers

$664

$55

USAA

$690

$57

Erie

$720

$60

Erie

$727

$61

Tennessee Farm Bureau

$763

$64

Nationwide

$765

$64

Chubb

$777

$65

Cincinnati Insurance

$789

$66

State Farm

$790

$66

Farmers

$801

$67

Westfield

$806

$67

Westfield

$809

$67

Grange Insurance

$826

$69

Nationwide

$828

$69

Travelers

$856

$71

Auto-Owners Insurance Co

$868

$72

Tennessee Farm Bureau

$872

$73

Travelers

$874

$73

GEICO

$875

$73

Chubb

$877

$73

GEICO

$891

$74

Grange Insurance

$905

$75

Allstate

$914

$76

Erie

$965

$80

Allstate

$966

$81

Nationwide

$978

$82

Cincinnati Insurance

$978

$82

Allstate

$986

$82

Travelers

$1,002

$83

Grange Insurance

$1,006

$84

Westfield

$1,039

$87

American National P&C

$1,084

$90

Progressive

$1,084

$90

American National P&C

$1,098

$92

GEICO

$1,145

$95

Progressive

$1,196

$100

Tennessee Farm Bureau

$1,200

$100

Cincinnati Insurance

$1,231

$103

Chubb

$1,260

$105

American National P&C

$1,390

$116

Progressive

$1,543

$129

How to Compare Cheap Clarksville Car Insurance Quotes Online

You can request a car insurance quote online from most companies in Clarksville, Tennessee. They might ask you to enter a lot of personal data, and it can take 15 minutes or more per company to get a quote.

MoneyGeek’s car insurance calculator can give you an estimate of how much your premiums can be. Our rough estimate will only be based on your age, car type, amount of coverage and driving history.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

Tennessee
Female
30-65
Clean

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click an insurer below to visit their review page or continue to your personalized quote.

USAA

Best Car Insurance in Clarksville: Summary

The best car insurance for you depends on the factors that are most important to you. The best companies in Clarksville, Tennessee, are:

  • Best overall: Auto-Owners Insurance Co (MoneyGeek score of 82 out of 100)
  • Best for service: Chubb (MoneyGeek score of 76 out of 100)
  • Best cheap: Auto-Owners Insurance Co (MoneyGeek score of 84 out of 100)

Weightings were adjusted per category, which may change the company’s score. The best car insurance in Tennessee is Erie. Location and other factors can impact the ideal insurer. USAA’s MoneyGeek score is 85 out of 100, making it the best for military drivers.

Best Overall Car Insurance in Clarksville

The best companies for car insurance in Clarksville are:

  • Auto-Owners Insurance Co: MoneyGeek score of 82 out of 100 ($604 per year)
  • Erie: MoneyGeek score of 77 out of 100 ($727 per year)

Auto-Owners Insurance Co received good scores for affordability and coverage. It’s the most affordable company, and it provides essential coverages that make it the best overall option for drivers in Clarksville. USAA’s score of 85 out of 100 makes it the best for military drivers.

Auto-Owners Insurance

pros

Offers the cheapest premiums

Good score for coverage options

Has diminished value coverage, accident forgiveness and gap insurance.

cons

Received a low score for claims satisfaction

Doesn’t offer rideshare insurance

COMPANY HIGHLIGHTS

Auto-Owners Insurance Co offers coverages that can help you stay protected after an accident. You can have diminished value coverage and accident forgiveness in your policy to prevent getting the lower cost of your car and the increased rate of your insurance.

Diminished value coverage pays for the difference between your car’s value before and after an accident. This protects you from losing money as the value of your car depreciates after repairs.

It also offers accident forgiveness, which can help you save money in case you get into an at-fault accident. Certain driving offenses increase the cost of your car insurance because insurers may think you’re more likely to file claims in the future. However, you can avoid this by having accident forgiveness included in your policy.

Read MoneyGeek's Auto-Owners Insurance Auto Insurance Review

Best Car Insurance in Clarksville for Customer Service

Excluding cost from our rankings, the best companies for customer service in Clarksville are:

  • Chubb: MoneyGeek score of 76 out of 100 ($877 per year)
  • Cincinnati Insurance: MoneyGeek score of 74 out of 100 ($978 per year)

Aside from having a high score for satisfaction, Chubb received the best score for claims among its competitors. This means you can get quality customer service and have a better experience when you’re filing claims. Chubb is one of the more expensive options in the city, so you might pay more for good service.

Chubb

pros

Received a high score for customer satisfaction

Has good claims ratings

Has original equipment manufacturer (OEM) coverage and rental car and/or travel reimbursement

cons

Only has a few essential coverages

Doesn’t have roadside assistance

COMPANY HIGHLIGHTS

Chubb may not have a wide range of coverages, but it offers original equipment manufacturer (OEM), which is rare among insurers. It also offers a more common coverage that pays for the expenses of your car rental when your car is in the shop.

Original equipment manufacturer (OEM) coverage can give you an assurance that the components used to fix your vehicle are brand-new. Old or surplus car parts cannot be installed in your vehicle. This allows your vehicle to stay well-maintained and guarantees the quality of its parts.

Rental car and/or travel reimbursement can pay for the cost of your commute or car rentals while your car is being repaired. This coverage can help you with your transportation during the period when your car is being repaired after a covered loss.

Best Cheap Car Insurance Companies in Clarksville

Based on an analysis of affordability and service quality for minimum coverage policies, the best companies in Clarksville are:

  • Auto-Owners Insurance Co: MoneyGeek score of 84 out of 100 ($219 per year)
  • Erie: MoneyGeek score of 77 out of 100 ($277 per year)

The most affordable minimum coverage policies in Clarksville have the lowest premiums and the least coverage. You might sacrifice liability and damage coverage by choosing minimal coverage. Although your insurance premiums are lower, the expenses of your liability and repairs or replacements for car damage are not covered. Evaluate your needs before purchasing auto insurance.

Auto-Owners Insurance

pros

An affordable option, at around $219 per year

Offers discounts for bundling and safe driving

Has roadside assistance, rental car reimbursement and gap insurance

cons

Doesn’t offer a discount for defensive driving

May not have the best claims rating

COMPANY HIGHLIGHTS

Auto-Owners Insurance Co is the cheapest option among the other companies we reviewed. It also received a high score for coverage options since it offers roadside assistance, rental car reimbursement and gap insurance. This company offers many chances to save money on your premiums, as long as you have the right vehicles, insurance plans and even with the way you pay your dues.

You can get a bundling discount by combining your auto insurance policy with other Auto-Owners Insurance Co plans. You can also save money on your premiums if you insure more than one vehicle with this company. It provides discounts if your vehicle has safety equipment like airbags, ABS or anti-theft devices.

You may even save money by paying your premium in full and on time. It also has a paperless discount if you enroll in paperless billing and pay your premiums online.

Read MoneyGeek's Auto-Owners Insurance Auto Insurance Review

Average Cost of Car Insurance in Clarksville

The average cost of car insurance for full coverage insurance in Clarksville is $853 per year. This policy has $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.

This is $46 cheaper than the average cost of car insurance in Tennessee and $412 cheaper than the average cost of car insurance in the U.S.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.