Cheapest and Best Car Insurance in Clarksville, TN (June 2024)


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ByMark Fitzpatrick
Reviewed byMark Friedlander
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ByMark Fitzpatrick
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Reviewed byMark Friedlander
Edited bySarah Mattie
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Updated: May 29, 2024

Advertising & Editorial Disclosure

In Clarksville, Tennessee, Auto-Owners has the lowest rates for full coverage and is also best overall, balancing price and service quality. For families with teens, Nationwide is the most cost-effective. For customer service, Cincinnati Insurance stands out. The best insurance for you hinges on personal coverage preferences.

MoneyGeek Logo IconCheapest + BestCar InsuranceClarksville
2024

Cheapest and Best Car Insurance in Clarksville

Why Trust MoneyGeek? We analyzed 59,840 quotes in Tennessee, including Clarksville, from 16 companies. We used six sources and original research to rate the cheapest companies and develop a scoring system for Clarksville insurance providers based on ZIP codes in the city only. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered and financial stability.

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These rates reflect the cheapest car insurance quotes in Clarksville, TN, as of June 2024.

59,840Quotes Analyzed
 
16Companies Compared

Cheapest Minimum Coverage Car Insurance in Clarksville

Auto-Owners is the cheapest option in Clarksville, offering the most affordable minimum coverage for car insurance. For those looking to economize, here are the top two providers:

  • Auto-Owners: $275 per year
  • Tennessee Farm Bureau: $304 per year

Allstate offers the most expensive minimum coverage policy in Clarksville, with an annual premium of $670. This stark difference — a substantial $395 more than Auto-Owners — underscores the significance of comparison shopping to ensure you are receiving the best rate for your car insurance needs.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
Auto-Owners Insurance CoAnnual Premium$275Monthly Premium$23
Tennessee Farm BureauAnnual Premium$304Monthly Premium$25
ErieAnnual Premium$367Monthly Premium$31
WestfieldAnnual Premium$388Monthly Premium$32
FarmersAnnual Premium$393Monthly Premium$33
TravelersAnnual Premium$415Monthly Premium$35
NationwideAnnual Premium$417Monthly Premium$35
Grange InsuranceAnnual Premium$432Monthly Premium$36

State Minimum Liability Requirements

From Memphis to Clarksville, car insurance coverage minimums are set by Tennessee state law. Here’s what drivers are required to have:

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

Say you have the minimum coverage and are at fault in an accident, your policy might cover $25,000 for one person's injuries. But if two people are hurt, and each has $30,000 in medical bills, your policy will only pay $50,000 total. In that case, any amount over those limits comes out of your pocket.

Cheapest Full Coverage Car Insurance in Clarksville

MoneyGeek found that Auto-Owners offers the cheapest full coverage car insurance in Clarksville.

  • Auto-Owners: $726 per year
  • Farmers: $771 per year

The most expensive full coverage policy in Clarksville comes from Progressive, at $1,515 annually. This is $789 more than the cheapest option, highlighting the importance of comparing rates for full coverage, which often costs more due to the comprehensive protection it offers.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Auto-Owners Insurance CoAnnual Premium$726Monthly Premium$61
FarmersAnnual Premium$771Monthly Premium$64
TravelersAnnual Premium$812Monthly Premium$68
Tennessee Farm BureauAnnual Premium$865Monthly Premium$72
ErieAnnual Premium$870Monthly Premium$73
NationwideAnnual Premium$910Monthly Premium$76
Grange InsuranceAnnual Premium$970Monthly Premium$81
ChubbAnnual Premium$1,053Monthly Premium$88

Do You Need Full Coverage in Tennessee?

In Clarksville, full coverage elevates liability levels from the state-mandated minimum to a more robust limit: $100,000 for bodily injury per individual, $300,000 per accident for bodily injury and $100,000 for property damage per accident. This is concisely referred to as a 100/300/100 policy.

Full coverage policies also include both comprehensive and collision coverage:

  • Collision Insurance: This is designed to cover the costs of repairing your vehicle when it’s damaged in a collision, whether with another vehicle or an object like a fence or street light. It also covers rollover accidents and pothole damage.
  • Comprehensive Insurance: Comprehensive coverage is for scenarios where damage to your vehicle arises from non-collision events. This would include theft, vandalism, natural disasters and being struck by an animal like a deer.

If you've recently purchased a new vehicle, it's advisable to opt for full coverage insurance. But you're typically required to carry it if you're leasing or have a car loan.

But owners of older vehicles may find that the additional cost of full coverage — which can run into hundreds of extra dollars — may not justify the benefits. More extensive coverage typically means a higher premium, but choosing a plan with less coverage could leave you vulnerable if you're underinsured. Consider how much car insurance you need To make an informed decision that strikes the right balance between coverage and cost.

Cheapest Car Insurance in Clarksville After a Driving Offense

The cheapest company for drivers with a poor driving record in Clarksville varies depending on the type of driving offense:

  • Speeding ticket: Tennessee Farm Bureau ($865 per year)
  • At-fault accident: Tennessee Farm Bureau ($865 per year)
  • DUI: Auto-Owners ($1,876 per year)

Companies like Chubb and Westfield present some of the highest rates for these offenses. The disparity in annual rates between the cheapest option after a speeding ticket and a DUI is significant, with a difference of $1,011, highlighting how a more severe violation like a DUI can impact car insurance costs greatly.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
Tennessee Farm BureauAnnual Premium$865Monthly Premium$72
ErieAnnual Premium$909Monthly Premium$76
FarmersAnnual Premium$1,006Monthly Premium$84
Auto-Owners Insurance CoAnnual Premium$1,045Monthly Premium$87
NationwideAnnual Premium$1,108Monthly Premium$92
TravelersAnnual Premium$1,150Monthly Premium$96
ChubbAnnual Premium$1,194Monthly Premium$99
WestfieldAnnual Premium$1,292Monthly Premium$108

In Clarksville and beyond, insurance rates are typically higher for drivers with serious offenses due to the increased risk they pose. For example, drivers with a DUI in Clarksville can expect an average annual rate of $2,645 compared with $1,736 for those with a speeding ticket — a significant difference of $909. Driver with infractions must therefore diligently compare insurance quotes to potentially save hundreds of dollars and find the most favorable rates.

Cheapest Car Insurance in Clarksville for Teens and Their Families

Nationwide offers the cheapest car full coverage insurance for teens.

  • Nationwide: $1,284 per year for female teens and $1,453 per year for male teens
  • Farmers: $1,575 per year for female teens and $1,670 per year for male teens

Progressive has most costly teen family policy in the area, with costs peaking at $2,699 for female teens. This staggering $1,415 difference when compared with Nationwide underscores the importance of shopping around, especially when adding higher-risk teenage drivers to a policy.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
NationwideFamily Plan Annual Premium$1,284Individual Plan Monthly Premium$3,001
FarmersFamily Plan Annual Premium$1,575Individual Plan Monthly Premium$5,640
State FarmFamily Plan Annual Premium$1,654Individual Plan Monthly Premium$2,297
AllstateFamily Plan Annual Premium$1,781Individual Plan Monthly Premium$5,647
TravelersFamily Plan Annual Premium$2,125Individual Plan Monthly Premium$3,835
GEICOFamily Plan Annual Premium$2,324Individual Plan Monthly Premium$4,595
Auto-Owners Insurance CoFamily Plan Annual Premium$2,577Individual Plan Monthly Premium$2,409
ProgressiveFamily Plan Annual Premium$2,699Individual Plan Monthly Premium$7,797

In Clarksville, teens purchasing car insurance independently will confront high premiums averaging $5,007 annually, a stark contrast with the average yearly cost of $2,232 when they opt into a family plan. The disparity is due to the perceived risk insurers associate with young, inexperienced drivers. These risk factors make individual policies not only expensive but often challenging for teens to secure. It's more feasible and cost-efficient for young drivers to leverage the collective benefit of a family insurance plan.

Cheapest Car Insurance in Clarksville for Military Drivers

USAA is the cheapest car insurance for military backgrounds for people in Clarksville.

  • USAA: $671 per year
  • Auto-Owners: $726 per year

Not only is USAA the cheapest option in Clarksville, but it also offers insurance that tailors to the needs of active duty military members..

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
USAAAnnual Premium$671Monthly Premium$56
Auto-Owners Insurance CoAnnual Premium$726Monthly Premium$61
FarmersAnnual Premium$771Monthly Premium$64
TravelersAnnual Premium$812Monthly Premium$68
Tennessee Farm BureauAnnual Premium$865Monthly Premium$72
ErieAnnual Premium$870Monthly Premium$73
NationwideAnnual Premium$910Monthly Premium$76
Grange InsuranceAnnual Premium$970Monthly Premium$81

How to Compare Cheap Clarksville Car Insurance Quotes Online

In Clarksville, finding the best car insurance rates typically entails a time investment of over 15 minutes per insurer. Save time with MoneyGeek's car insurance calculator, crafted to center on variables that significantly influence insurance costs in the area. Just input details such as age, driving history, credit score and coverage preferencesto obtain a personalized rate estimate.

Car Insurance Calculator

MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Rates updated:

Jun 17, 2024

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Best Car Insurance in Clarksville: Overview

Service quality, cost, coverage and more are important elements in finding the right auto insurance. Utilizing different scoring metrics for each category, MoneyGeek's research pinpoints the top car insurance providers in Clarksville for various preferences:

  • Best overall: Auto-Owners (MoneyGeek score: 80 out of 100)
  • Best for service: Cincinnati Insurance (MoneyGeek score: 80 out of 100)
  • Best cheap: Auto-Owners (MoneyGeek score: 85 out of 100)

For a comprehensive option, Auto-Owners is the standout in Clarksville for overall value and affordability. Cincinnati Insurance is the go-to if you prioritize top-tier service. If you want to keep costs low without compromising on service, Auto-Owners delivers again with the highest score for affordable coverage.

Overall Best Car Insurance in Clarksville

Auto-Owners offers the best car insurance in Clarksville.

  • Auto-Owners: MoneyGeek score of 80 out of 100 ($726 per year)
  • Chubb: MoneyGeek score of 79 out of 100 ($1,053 per year)

Auto-Owners distinguishes itself with the highest overall customer satisfaction and unparalleled affordability in Clarksville. The insurer's score is particularly notable for a full coverage policy, reflecting a comprehensive package that balances value and service.

Company logo for Auto-Owners
Best OverallAuto-Owners
MoneyGeek Score:
80/ of 100

Overview

Auto-Owners achieves an exceptional MoneyGeek score due to its high scores for affordability and claims handling. This company offers roadside assistance and rental car and/or travel reimbursement, marking it as a solid choice for essentials. It also provides gap insurance and accident forgiveness.

Auto-Owners offers a rare coverage, diminished value coverage. After an accident, a car may lose value even after repairs, and this coverage can compensate for that loss. Its Personal Automobile Plus Package, simplifies adding multiple protective features, creating a comprehensive safety net. Lastly, deductible modification can waive your collision deductible under certain circumstances, further exemplifying the insurer's commitment to flexible and customer-focused solutions.

Best Car Insurance in Clarksville for Customer Service

Cincinnati Insurance is the best option in Clarksville for exceptional car insurance based on customer service.

  • Cincinnati Insurance: MoneyGeek score of 80 out of 100 ($1,111 per year)
  • Chubb: MoneyGeek score of 79 out of 100 ($1,053 per year)

Cincinnati Insurance distinguishes itself with a strong focus on customer service. With the highest satisfaction and coverage scores among its peers, the company demonstrates a commitment to providing extensive coverage options and a positive customer service experience.

Company logo for Cincinnati Insurance
Best for Customer ServiceCincinnati Insurance
MoneyGeek Score:
80/ of 100

Overview

Cincinnati Insurance boasts strong satisfaction and claims scores, contributing to its high MoneyGeek score of 80. It offers common coverages such as rental car and/or travel reimbursement and roadside assistance. But it lacks gap insurance and new car replacement.

Cincinnati Insurance provides several valuable coverages. The glass deductible modification eliminates deductibles for glass repairs, an exceptional benefit for anyone prone to windshield cracks or chips. Antique/classic car insurance is specifically tailored for vintage car enthusiasts, ensuring prized possessions get specialized coverage. The safety restraint benefit doubles medical coverage in the event of an accident and is a boon for safety-conscious drivers.

Best Cheap Car Insurance Companies in Clarksville

Auto-Owners is the best cheap car insurance option in Clarksville for drivers looking to save without compromising on quality service. This company balances affordability and efficient claims handling, ensuring customers are satisfied with their coverage and support.

  • Auto-Owners: MoneyGeek score of 85 out of 100 ($275 per year)
  • Westfield: MoneyGeek score of 79 out of 100 ($388 per year)

Auto-Owners stands out for its high affordability and customer satisfaction. The company has earned the top spot also due solid claims service, providing coverage that meets the needs of Clarksville drivers looking for minimum coverage policies.

Company logo for Auto-Owners
Best Cheap CompanyAuto-Owners
MoneyGeek Score:
85/ of 100

Overview

Auto-Owners stands out predominantly for its perfect scores in affordability and coverage. Its average annual premium for minimum coverage is $275, which means the average driver pays only about $23 per month. However, it does lack common discounts such as bundling, multiple car or safe driving.

Average Cost of Car Insurance in Clarksville

In Clarksville, Tennessee, the average car insurance cost is around $1,059. This figure is slightly less than the state average of $1,109. However, both the city and state average car insurance costs in Tennessee are significantly lower than the national average of $1,720.

Car insurance premiums are influenced by a range of factors, with location playing a key role in determining the rates. Geographic area impacts insurance costs due to variables like traffic density, accident rates and theft incidents. For example, MoneyGeek’s analysis reveals that the premiums can vary broadly within Tennessee itself. Knoxville boasts the cheapest premium at $1,036, while Memphis holds the title for the most expensive at $1,358. Rates in non-city areas with lower traffic density may be even less.

ChattanoogaAnnual Premium$1,057
ClarksvilleAnnual Premium$1,059
KnoxvilleAnnual Premium$1,036
MemphisAnnual Premium$1,358
MurfreesboroAnnual Premium$1,037
NashvilleAnnual Premium$1,135

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick 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 knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.