Cheapest and Best Car Insurance in Clarksville, TN (2023)

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.