Cheapest Auto Insurance in Clarksville, Tennessee (2026)

Located along Interstate 24 at the Kentucky and Tennessee border, Clarksville is one of Tennessee’s oldest cities. Clarksville drivers pay an overall average of $109 per month for car insurance — slightly higher than the statewide average of $97 per month but lower than the nationwide monthly average of $136.

Home to more than 170,000 people, Clarksville is the fifth-largest city in the state, which could partly explain its higher rates.

Here’s how to find low rates in Clarksville and secure the best car insurance for you.

3 of the cheapest car insurance companies in Clarksville

Finding the cheapest car insurance in Clarksville will depend on factors like your age, driving history, and coverage needs. State Farm, GEICO, and Mile Auto are three of the area’s most affordable insurers. While you may ultimately choose a different insurance company, it doesn’t hurt to start your search with these three.

Insurance Company	IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	Full Coverage	Liability Only	Best For
State Farm	9.3	$97	$49	Low rates
GEICO	9.2	$126	$64	Drivers with an accident
Mile Auto	8.8	$83	$45	Young drivers

Disclaimer: Table data sourced from real-time Clarksville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Clarksville may vary based on the policy buyer's unique driver profile.

• How Insurify rates insurance companies

  Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

  We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

  • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
  • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
  • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
  • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
  • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for low rates: State Farm

low rates

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User Reviews	4.0 7,299 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.3 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$50/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$110/mo

Details

Driver Reviews

4.0

Best choice in Clarksville, TNBased on 16,551 verified driver reviews and ratings

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best in Clarksville for

Customer service

Competitive rates

Discounts for safe drivers

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best in Clarksville for

Customer service

Competitive rates

Discounts for safe drivers

Showing 34 Tennessee reviews for Clarksville drivers - See all 7,299 State Farm reviews

Judy

Verified Review

Help! Need lower rate!

Reviewed in Tennessee on March 30, 2026

I just wish that the price was a little lower. I'm almost seventy years old, I'm on a fixed income, and I don't drive maybe three days out of the week, and that's mainly to church or right in town. I just think the rates could be a little lower for elderly folk.

Karissa

Verified Review

If State Farm had gap insurance, I wouldn't change.

Reviewed in Tennessee on March 29, 2026

So far, so good. I haven't had it long enough to really give an opinion.

Deborah

Verified Review

Age 69, No Claims, Insurance Tripled!

Reviewed in Tennessee on March 4, 2026

I had to switch to the minimum coverage when my full coverage cost tripled.

Doshia

Verified Review

Poor

Reviewed in Tennessee on February 24, 2026

My current insurance is a lot cheaper than State Farm insurance.

Thomas

Verified Review

Unstable Billing

Reviewed in Tennessee on February 17, 2026

My bill is always fluctuating and never the same.

Eric

Verified Review

I need better coverage

Reviewed in Tennessee on February 6, 2026

Just for one car, I'm paying almost $200 for full coverage. I feel like that's too much just for one car, and I don't have a DUI or ticket. I've been with them for over 10 years.

Cynthia

Verified Review

Good service but way too expensive and no consideration of time spent with the company, age, or very good driving record.

Reviewed in Tennessee on January 27, 2026

Good service but way too expensive and no consideration of time spent with the company, age, or very good driving record.

Victor

Verified Review

Expensive Coverages

Reviewed in Tennessee on January 12, 2026

Too pricey. The premium is way too high.

April

Verified Review

Shop around

Reviewed in Tennessee on January 11, 2026

Find a good price. These guys are the highest.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

657

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

State Farm offers emergency roadside services and rental car coverage. It also offers discounts for bundling insurance and practicing safe driving habits and has some of the lowest rates in Clarksville for liability and full coverage.

Pros

• Several discounts

• Emergency roadside assistance available

Cons

• Gap insurance and accident forgiveness not available

• Age limit on some discounts

Best insurer for drivers with an accident: GEICO

drivers with an accident

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User Reviews	4.0 7,536 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.2 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$65/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$145/mo

Details

Driver Reviews

4.0

Best choice in Clarksville, TNBased on 16,802 verified driver reviews and ratings

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best in Clarksville for

Teen drivers

Cheap rates

Accident forgiveness

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best in Clarksville for

Teen drivers

Cheap rates

Accident forgiveness

Showing 13 Tennessee reviews for Clarksville drivers - See all 7,536 GEICO reviews

Hans

Verified Review

Uninsured Coverage

Reviewed in Tennessee on March 21, 2026

In the over 20 years with Geico, I only had one claim. I got hit in the rear, the driver had no insurance, and GEICO paid 100% of the repair needed. No hassle, just courteous, fast service.

Robert

Verified Review

Great Experience

Reviewed in Tennessee on March 3, 2026

Great experience. Saved $600 a year.

Nina Marie

Verified Review

Unsatisfied

Reviewed in Tennessee on February 6, 2026

My car insurance is too expensive for a senior citizen on a fixed income.

Ocie

Verified Purchase

Good Company

Reviewed in Tennessee on January 26, 2026

I feel good about them. They are average to above average in meeting my needs.

Stephen

Verified Purchase

Great

Reviewed in Tennessee on January 21, 2026

Good, no problems.

Donna

Verified Review

Geico is good and I love all their benefits, but the price is just so high. It’s just hard for me to pay it every month.

Reviewed in Tennessee on January 18, 2026

Geico is good and I love all their benefits, but the price is just so high. It’s just hard for me to pay it every month.

Daniel

Verified Review

5 stars

Reviewed in Tennessee on December 23, 2025

Amazing

Robert

Verified Purchase

Best Value by Far

Reviewed in Tennessee on November 22, 2025

Best value for coverage.

Jason

Verified Purchase

My Experience with GEICO

Reviewed in Tennessee on November 14, 2025

I am happy and it was easy to set up.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

637

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.59

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

GEICO is an auto insurance company with cheap rates in Clarksville. If you’ve gotten into an accident, your insurance rates could increase, but GEICO offers personalized auto insurance policy options so you can pick and choose your coverages. GEICO also offers several discounts to customers who bundle coverage and complete a defensive driving course.

Pros

• Robust web and mobile offerings

• Offers multiple discounts

Cons

• Accident forgiveness not available

• Limited network of local agents

Best insurer for young drivers: Mile Auto

young drivers

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User Reviews	4.5 66 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.8 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$50/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$95/mo

Details

Driver Reviews

4.5

Best choice in Clarksville, TNBased on 193 verified driver reviews and ratings

How drivers feel about Mile Auto

Drivers appreciate the quality service but find the rates high and claim processing slow.

AI-generated from the text of verified reviews collected by Insurify

Best in Clarksville for

Low-mileage drivers

Senior drivers

Cheap full coverage

How drivers feel about Mile Auto

Drivers appreciate the quality service but find the rates high and claim processing slow.

AI-generated from the text of verified reviews collected by Insurify

Best in Clarksville for

Low-mileage drivers

Senior drivers

Cheap full coverage

Showing recent national reviews - See all 66 Mile Auto reviews

Olanrewaju

Verified Purchase

Reasonable coverage.

Reviewed in Georgia on March 17, 2026

So far, it has been very good.

Leroy

Verified Review

Why was I canceled?

Reviewed in Texas on February 9, 2026

1/14/26: Liked what I saw and purchased Auto Insurance. 1/29/26: Received an email requesting a "Physician's opinion statement." I did not see this requirement in the many pages of fine print. Was given 30 days to submit. 1/31/26: Via email, I requested information on how to cancel my policy and stated that I do not release medical data to anyone. I did not request the policy be canceled. 2/01/26: Relented. 2/03/26: Hand-delivered request to primary care doctor and made an appointment for an Ophthalmologist for 02/10/26. 2/07/26: Received a USPS letter from MileAuto stating the policy would be canceled effective 3/01/26. The reason given was that "Policy no longer meets underwriting requirements." I have no idea what requirements this refers to.

Ronald

Verified Purchase

Monthly Insurance for the Price of Takeout

Reviewed in Ohio on January 11, 2026

I don't drive much, so it makes sense to me. I feel like I would like to have more coverage than just liability. I know they offer more coverage.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

NR

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

2.18

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

NR

Why we picked this company

Car insurance rates are higher for teens and drivers younger than 25. Mile Auto can help offset those costs and maintain coverage so long as teens drive fewer than 10,000 miles annually. Mile Auto offers mileage-based car insurance options, allowing you to pay based on how often you drive.

Pros

• Option to send a monthly photo of your odometer instead of participating in telematics programs

• Offers “storage insurance” to cover your vehicle when it’s not being driven

Cons

• Must send a photo of odometer each month

• Must stick under a certain annual mileage to maintain insurance coverage

How to get the cheapest car insurance in Clarksville

Finding the cheapest car insurance in Clarksville will depend on many factors, including your driving record, age, ZIP code, and credit. While many of the deciding factors are out of your control, you can do some things to get the cheapest car insurance policy for your situation:

• Avoid violations. Practice safe driving habits so you can avoid violations like speeding tickets and other infractions. In doing so, you’ll naturally avoid at-fault accidents and maintain a clean driving record.

• Improve your credit score. Car insurance companies in Tennessee can use your credit history to determine the likelihood that you’ll file a claim, so it’s important to maintain a good credit score to keep your rates lower.

• Ask about discounts. Insurers offer several types of discounts, from bundling coverage and multi-policy discounts to having a vehicle with certain anti-theft protection or driving safely. Be sure to ask about which discounts you may qualify for.

• Shop around and compare quotes. Shop around and compare quotes from at least three different insurers to make sure you’re getting the best price. You can talk to insurance agents or get a quote online.

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Liability rates start at $50 per month

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Cheapest liability-only car insurance in Clarksville: Mile Auto

Liability-only car insurance is the most basic type of coverage, so it usually costs less. Liability insurance only covers the other person’s vehicle after an accident and their medical expenses through the bodily injury portion of your liability insurance.

If you drive an older car and can afford to pay for repairs out of pocket, liability insurance may make sense. If you’re just looking for basic coverage to avoid paying fees or penalties for not meeting your state’s minimum insurance requirements, it may be a good idea to start with liability coverage.

The average rate for liability coverage in Clarksville is $71 per month. Here are some of the cheapest liability-only car insurance rates in Clarksville.

The below rates in Clarksville, TN, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
Mile Auto	$50
State Farm	$50
Sun Coast	$50
Progressive	$56
Certainly	$57
Direct Auto	$58
USAA	$59
AssuranceAmerica	$64
GEICO	$65
Freedom National	$68
Auto-Owners	$69
Travelers	$69
The General	$71
Erie	$73
Trexis	$73
Safeco	$82
Trexis One	$83
GAINSCO	$85
Dairyland	$86
Mendota	$88
Allstate	$92
National General	$93
First Acceptance	$94
Farmers	$99
Liberty Mutual	$106
Bristol West	$108
Root	$108
Elephant	$114
Nationwide	$122
Chubb	$143
State Auto	$190

Disclaimer: Table data sourced from real-time Clarksville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Clarksville may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Clarksville: Mile Auto

Full-coverage insurance includes liability coverage but also extends to cover damages to your vehicle or your medical expenses after an accident. Full coverage typically costs more, but it’s ideal if you want to protect your own vehicle. If you have a car loan or lease, your lender may require that you carry full-coverage insurance.

On average, Clarksville-based drivers pay $146 for full-coverage car insurance per month. Here are some of the cheapest full-coverage car insurance rates in Clarksville.

The below rates in Clarksville, TN, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
Mile Auto	$95
Sun Coast	$98
Progressive	$109
State Farm	$110
Direct Auto	$130
USAA	$131
GEICO	$145
Safeco	$150
Travelers	$150
Auto-Owners	$152
National General	$153
Erie	$161
Certainly	$162
AssuranceAmerica	$164
Elephant	$172
Trexis	$174
Root	$184
Allstate	$203
Trexis One	$203
Liberty Mutual	$206
The General	$207
GAINSCO	$215
Mendota	$216
Farmers	$219
Freedom National	$229
Bristol West	$239
First Acceptance	$246
Dairyland	$261
Nationwide	$269
Chubb	$315
State Auto	$420

Disclaimer: Table data sourced from real-time Clarksville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Clarksville may vary based on the policy buyer's unique driver profile.

Car insurance requirements in Tennessee

Most states require drivers to have minimum or liability coverage insurance. In Tennessee, you must meet certain minimum-coverage limits or risk paying fines or losing your vehicle registration.^[1] Below are the minimum car insurance requirements for the state of Tennessee:

Coverage	Minimum Requirements
Bodily injury liability	$25,000 per person / $50,000 per accident
Property damage liability	$25,000 per accident

Depending on your needs, you may want to consider getting optional insurance coverage as well, including:

• 

  Uninsured/underinsured motorist coverage

  Uninsured/underinsured motorist insurance covers you if you’re in an accident with another driver who lacks insurance.

• 

  Collision coverage

  Collision insurance helps pay for the repair or replacement of your vehicle if it’s damaged in an accident.

• 

  Roadside assistance coverage

  Roadside assistance provides coverage if you’re ever broken down on the road and need help paying for services.

Cheapest car insurance for Clarksville drivers with an incident

An incident, such as a speeding ticket, at-fault accident, or driving under the influence, shows insurers you present an increased risk.

As a result, insurance companies tend to charge higher rates when you have infractions on your record. If you’re wondering how much your rates could increase with an incident on your record, here are some updated quotes from insurers serving the Clarksville area.

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Cheapest car insurance for drivers with a speeding ticket: Mile Auto

Receiving a speeding ticket in Tennessee is a traffic violation that adds points to your driving record. Different types of speeding violations exist, such as speeding in a construction zone or reckless driving. But regardless of the violation type, a speeding ticket can raise your car insurance rates.^[2] 

Clarksville drivers with a speeding ticket pay an average of $193 per month for full coverage. Here are some monthly quotes for insurers in Clarksville that offer the best deal when you have a speeding ticket on your record.

The below rates in Clarksville, TN, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With Speeding Ticket
Mile Auto	$50	$63
State Farm	$50	$65
Sun Coast	$50	$66
Progressive	$56	$74
Certainly	$57	$75
Direct Auto	$58	$74
USAA	$59	$78
GEICO	$65	$87
Freedom National	$68	$90
Auto-Owners	$69	$92
Travelers	$69	$92
The General	$71	$97
Erie	$73	$99
Trexis	$73	$96
Safeco	$82	$111
Trexis One	$83	$110
GAINSCO	$85	$104
Dairyland	$86	$111
Mendota	$88	$116
Allstate	$92	$123
National General	$93	$119
First Acceptance	$94	$124
Farmers	$99	$130
Liberty Mutual	$106	$138
Bristol West	$108	$140
Root	$108	$148
Elephant	$114	$140
Nationwide	$122	$163
Chubb	$143	$187
State Auto	$190	$259

Disclaimer: Table data sourced from real-time Clarksville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Clarksville may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: State Farm

No one wants to be involved in an accident, but if you’re in an at-fault accident, it can raise your insurance rates significantly. An accident can also stay on your driving record for three to five years, so you may see increased rates for a while.^[3] But it’s always important to compare quotes to see what you actually could be paying and what different insurers offer.

The average rate for full-coverage insurance with an accident on your record in Clarksville is $204 per month. Here are some monthly rates from Clarksville insurers when you have an at-fault accident on your record.

The below rates in Clarksville, TN, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With Accident
Mile Auto	$50	$69
State Farm	$50	$68
Sun Coast	$50	$70
Progressive	$56	$78
Certainly	$57	$80
Direct Auto	$58	$81
USAA	$59	$81
GEICO	$65	$87
Freedom National	$68	$95
Auto-Owners	$69	$94
Travelers	$69	$95
The General	$71	$100
Erie	$73	$100
Trexis	$73	$102
Safeco	$82	$118
Trexis One	$83	$116
GAINSCO	$85	$112
Dairyland	$86	$117
Mendota	$88	$123
Allstate	$92	$127
National General	$93	$127
First Acceptance	$94	$131
Farmers	$99	$136
Liberty Mutual	$106	$145
Bristol West	$108	$146
Root	$108	$148
Elephant	$114	$153
Nationwide	$122	$169
Chubb	$143	$195
State Auto	$190	$266

Disclaimer: Table data sourced from real-time Clarksville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Clarksville may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: Sun Coast

A violation for driving under the influence of alcohol or drugs is a serious crime that can result in the loss of your license in Tennessee. Insurers also see a DUI as serious, and obtaining car insurance after a DUI will cost you more money. But you still have some options. 

The average monthly cost of full-coverage car insurance in Clarksville for drivers with a DUI conviction is $209. Here are some of the monthly rates insurers are offering Clarksville drivers who have a DUI on their record.

The below rates in Clarksville, TN, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With DUI
Mile Auto	$50	$73
State Farm	$50	$73
Sun Coast	$50	$72
Progressive	$56	$80
Certainly	$57	$82
Direct Auto	$58	$85
USAA	$59	$86
GEICO	$65	$94
Freedom National	$68	$97
Auto-Owners	$69	$101
Travelers	$69	$101
The General	$71	$104
Erie	$73	$106
Trexis	$73	$104
Safeco	$82	$127
Trexis One	$83	$119
GAINSCO	$85	$124
Dairyland	$86	$125
Mendota	$88	$126
Allstate	$92	$134
National General	$93	$136
First Acceptance	$94	$135
Farmers	$99	$144
Liberty Mutual	$106	$155
Bristol West	$108	$158
Root	$108	$158
Elephant	$114	$166
Nationwide	$122	$178
Chubb	$143	$209
State Auto	$190	$260

Disclaimer: Table data sourced from real-time Clarksville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Clarksville may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: Mile Auto

Car insurance rates can increase for seniors as well as young drivers since insurers view these age groups at a greater risk to insure. But seniors can still find cheap insurance rates by keeping a clean driving record and taking advantage of discounts.

Some insurers offer specific discounts for seniors or usage-based coverage, allowing you to lower your premium by driving fewer miles per year. For Clarksville seniors, the overall average monthly cost for car insurance is $94. Here are some of the best monthly insurance quotes for seniors in Clarksville.

The below rates in Clarksville, TN, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT. 

Insurance Company	Full Coverage	Liability Only
Mile Auto	$75	$39
Sun Coast	$85	$43
State Farm	$86	$39
Progressive	$94	$48
Direct Auto	$105	$47
USAA	$106	$48
GEICO	$115	$52
Auto-Owners	$120	$55
National General	$120	$73
Travelers	$120	$55
Erie	$123	$56
Safeco	$131	$72
Certainly	$140	$49
Elephant	$142	$94
Trexis	$150	$63
Root	$154	$90
Allstate	$165	$75
Liberty Mutual	$172	$89
Farmers	$174	$79
The General	$174	$60
Trexis One	$175	$72
GAINSCO	$183	$72
Mendota	$187	$76
Freedom National	$198	$59
Bristol West	$199	$90
Nationwide	$206	$93
First Acceptance	$213	$81
Dairyland	$221	$73
Chubb	$238	$108
State Auto	$319	$144

Disclaimer: Table data sourced from real-time Clarksville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Clarksville may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: Sun Coast

Teens and young drivers also pay higher car insurance rates because insurers find that young adults under age 25 are more likely to get into an accident, and this raises the company’s financial risk. Teen drivers in Clarksville pay an overall average of $222 per month for car insurance.

But if you’re a young driver, you still have some ways to save on your insurance premiums.

Start by inquiring about a discount if you’re a student and have at least a 3.0 GPA. You’ll likely need to submit your grades for verification, but it could be worth the savings. Other insurers also offer discounts to teens who complete a driver safety course. And if you’re a college student who won’t be driving during the semester, see if your insurance company can provide a discount based on this. Finally, young drivers may also be able to save by remaining on their parents’ insurance for a while, if it makes sense.

Here are some of the best monthly car insurance quotes for young drivers in Clarksville.

The below rates in Clarksville, TN, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT. 

Insurance Company	Full Coverage	Liability Only
Sun Coast	$200	$102
Mile Auto	$206	$109
Progressive	$222	$114
State Farm	$226	$103
USAA	$257	$116
Direct Auto	$264	$118
GEICO	$275	$123
Erie	$313	$142
Safeco	$319	$174
Auto-Owners	$323	$146
Elephant	$323	$214
National General	$327	$199
Travelers	$328	$151
Certainly	$330	$116
Root	$338	$198
Trexis	$354	$149
Liberty Mutual	$386	$199
The General	$386	$132
Trexis One	$413	$169
GAINSCO	$416	$165
Allstate	$424	$192
Mendota	$440	$179
Bristol West	$453	$205
Farmers	$461	$208
Freedom National	$466	$138
Dairyland	$476	$157
First Acceptance	$501	$191
Nationwide	$556	$252
Chubb	$687	$312
State Auto	$1,069	$484

Disclaimer: Table data sourced from real-time Clarksville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Clarksville may vary based on the policy buyer's unique driver profile.

Clarksville car insurance quotes by credit tier

Many states, including Tennessee, allow insurers to use your credit history as a factor when determining your car insurance policy rates. Insurance companies use your credit history, in part, to predict the likelihood that you’ll file an insurance claim. This helps them assess risk.

An excellent credit score is considered anything above 720, and typically, the higher your credit score, the better chance you have of getting a lower insurance rate. If you have a lower credit score, you can always work to improve your credit and be mindful that insurers consider several other factors as well.

Here are the average monthly quotes in Clarksville based on your credit tier.

Is car insurance more expensive in Clarksville?

The average car insurance cost in Clarksville is $146 per month for full coverage, compared to the average cost for the state of Tennessee, which is $128 per month.

Sometimes, car insurance costs can be higher in cities with more traffic, an increased number of road accidents, higher crime rates, or higher car repair costs.

More cities in Tennessee

Here’s how the average monthly car insurance quote differs in other Tennessee cities compared to Clarksville.

City	Full Coverage	Liability Only
Chattanooga	$133	$68
Knoxville	$130	$66
Memphis	$200	$98
Murfreesboro	$145	$71
Nashville	$159	$80

Disclaimer: Table data sourced from real-time Clarksville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Clarksville may vary based on the policy buyer's unique driver profile.

Clarksville car insurance FAQs