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.
bestauto insuranceClarksville2021The Cheapest and Best Car Insurance in Clarksville
The Cheapest Car Insurance Companies in Clarksville
The auto insurance companies in Clarksville that offer the most affordable full coverage policy on average are:
- USAA: $551 annually (only available to current and former military)
- GEICO: $620 annually
USAA is the best car insurance company in Clarksville when it comes to cost. However, USAA is only available to current military members, veterans and their families.
The second most affordable provider is GEICO. Rates at GEICO are an average of 56.6% cheaper per year than MetLife, Clarksville’s most expensive auto insurance company.
The prices above are for a 40-year-old male driver with a full coverage policy, including liability insurance as well as comprehensive and collision insurance.
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- CompanyAmountper year
- 1.$551
- 2.$620
- 3.$713
- 4.$716
- 5.$738
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.
The Best Car Insurance Companies in Clarksville
If you’re a driver who wants a balance of cost-effectiveness and outstanding service, MoneyGeek found the best insurers in Clarksville. Using an internal scoring system, MoneyGeek determined that the best auto insurance companies for most drivers are:
- Erie: MoneyGeek score of 93 out of 100
- Auto-owners: MoneyGeek score of 90 out of 100
USAA received the highest score in Clarksville by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
MoneyGeek uses factors such as J.D. Power user satisfaction, affordability and financial stability to compute the scores.
1
USAA
Score:95
2
Erie
Score:93
3
Auto-Owners Insurance Co
Score:90
4
GEICO
Score:85
5
State Farm
Score:83
6
Nationwide
Score:80
7
Travelers
Score:80
8
MetLife
Score:80
9
Safeco
Score:78
10
Progressive
Score:78
11
Allstate
Score:75
12
Liberty Mutual
Score:75
13
National General
Score:73
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.
Shopping around for car insurance in Clarksville could save you $197, which is enough to buy:
66Cups of Coffee
15Months of Your Favorite Streaming Service
Cheapest Car Insurance in Clarksville by Coverage Amount
The amount of coverage you buy is one of the primary factors affecting the price of your policy. An insurance policy that meets Tennessee’s minimum liability requirements costs $402 yearly on average. In comparison, a policy that offers full coverage with higher liability limits costs $817 annually on average, which is a difference of $415.
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.
GEICO offers cheap car insurance in Clarksville for both liability-only and full-coverage packages with 50/100/50 limits. These limits mean you get coverage for no more than $50,000 in medical bills per person, up to $100,000 total per accident and $50,000 for property damage repair.
While a liability-only policy just covers costs to the other driver when you are at fault in an accident, a full-coverage plan will pay for both your costs and the other driver’s if you cause an accident. Full coverage from GEICO is an average of $235 more per year compared to liability-only coverage.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
Liability Only
- CompanyState Minimumper year50 / 100 / 50per year
- 1.$289$312
- 2.$301$344
- 3.$323$372
- 4.$328$393
- 5.$347$417
Full Coverage
- Company50 / 100 / 50per year100 / 300 / 100per year
- 1.$521$551
- 2.$579$620
- 3.$670$716
- 4.$657$713
- 5.$653$738
Cheapest Car Insurance in Clarksville if You Have Driving Violations
It's always a good idea to drive safely. Having driving violations on your record could increase your car insurance premium.
For example, State Farm customers in Clarksville may pay an average of $127 more per year for a recorded at-fault accident. Those who have a speeding ticket or DUI could pay an average of $64 more each year.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
- 1.$652$783$1,006
- 2.$777$840$777
- 3.$706$974$1,084
- 4.$738$905$1,074
- 5.$964$1,219$798
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
Insurance Providers That Serve Clarksville
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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