Clarksville, TN Auto Insurance (2023)
The cheapest Clarksville, TN auto insurance is from Travelers, but rates will vary by driver. Auto insurance in Clarksville must meet the Tennessee requirements of 25/50/15 in liability and uninsured motorist coverages. Compare Clarksville, TN auto insurance quotes online to find the cheapest rates for you.
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
UPDATED: Oct 13, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 13, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Travelers offers the cheapest average auto insurance rates to all drivers in Clarksville, TN
- Clarksville, TN auto insurance is cheaper than average
- Drivers in Clarksville can opt-out of uninsured motorist coverage in writing if they wish
Clarksville, TN auto insurance is cheaper than the national average. It’s also less expensive than Tennessee auto insurance average rates.
Even though rates are low, you still want to find the most affordable Clarksville, TN auto insurance out there. Shop around and compare rates from different companies to see who can offer you the best deal.
Monthly Clarksville, TN Car Insurance Rates by ZIP Code
Find more info about the monthly Clarksville, TN car insurance rates by ZIP Code below:
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Clarksville, TN Car Insurance Rates vs. Top US Metro Car Insurance Rates
Which city you live in will have a major affect on car insurance. That’s why it’s essential to compare Clarksville, Tennessee against other top US metro areas’ auto insurance rates.
Enter your ZIP code now to compare Clarksville, TN auto insurance quotes from multiple companies near you for free.
What is the cheapest auto insurance company in Clarksville, TN?
Although the cheapest Clarksville, TN auto insurance company is USAA, it only offers coverage to the military, veterans, and their families. If you qualify for it, visit our USAA auto insurance review for more information. The cheapest auto insurance in Clarksville offered to every driver is from Travelers. You can read our Travelers auto insurance review as well.
The cheapest Clarksville, TN auto insurance company can be discovered below. You then might be asking, “How do those rates compare against the average Tennessee auto insurance company rates?” We cover that as well.
The top Clarksville, TN auto insurance companies listed from cheapest to most expensive are:
- USAA auto insurance – $2,668.75
- Travelers auto insurance – $2,691.29
- Farmers auto insurance – $2,722.22
- State Farm auto insurance – $2,789.67
- Geico auto insurance – $3,246.78
- Nationwide auto insurance – $3,322.46
- Progressive auto insurance – $3,573.14
- Allstate auto insurance – $4,814.39
- Liberty Mutual auto insurance – $6,174.77
There are many different factors that affect your auto insurance rates, such as your age, gender, credit history, and driving record. Where you live can also affect your rates since larger cities tend to have more traffic and crime.
For example, auto insurance in Knoxville, TN is more expensive than coverage in Clarksville.
Clarksville, TN auto insurance rates by company and age is an essential comparison because the top auto insurance company for one age group may not be the best company for another age group. Car insurance for teens and young drivers will usually have the highest rates.
Your coverage level will play a significant role in your Clarksville, TN auto insurance rates. Find the cheapest Clarksville, Tennessee auto insurance rates by coverage level below:
Your credit score will play a major role in your Clarksville, TN auto insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. Find the best insurance companies for bad credit in Clarksville, Tennessee below.
Your driving record will affect your Clarksville auto insurance rates. For example, auto insurance for drivers with a DUI may have higher rates by 40 to 50 percent. Find the cheapest Clarksville, Tennessee auto insurance rates by driving record.
Factors affecting auto insurance rates in Clarksville, TN may include your commute, coverage level, tickets, DUIs, and credit. Controlling these risk factors will ensure you have the cheapest Clarksville, Tennessee auto insurance.
These states no longer use gender to calculate your auto insurance rates — Hawaii, Massachusetts, Michigan, Montana, and North Carolina, Pennsylvania. But age is still a big factor because young drivers are considered high-risk drivers in Clarksville. Tennessee does use gender, and car insurance rates are higher for male drivers. Check out the average monthly auto insurance rates by age and gender in Clarksville, TN.
What auto insurance coverage is required in Clarksville, TN?
Most states, including Tennessee, require drivers to carry auto insurance. Clarksville drivers must have at least:
- $25,000 per person and $50,000 per incident for bodily injury liability
- $15,000 per incident for property damage
- $25,000 per person and $50,000 per incident for uninsured motorist coverage for bodily injury
- $15,000 per accident uninsured motorist property damage
These limits are very low and won’t cover damages from a major accident. This means you will be left paying out of pocket for damages. Consider increasing these limits and adding more coverage to be fully insured.
It’s important to note that you can reject the uninsured motorist coverage in writing if you wish.
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What affects auto insurance rates in Clarksville, TN?
Traffic can also mean higher auto insurance rates. More cars on the road equal a great chance for an accident.
Although INRIX doesn’t have data for Clarksville, it does show nearby Nashville, TN as the 44th most congested city in the U.S.
City-Data shows that most drivers in Clarksville commute around 20 minutes.
Theft in your city can also raise your rates. According to the FBI, there were 241 motor vehicle thefts in one year in Clarksville, TN.
Clarksville, TN Auto Insurance: The Bottom Line
Although car insurance in Clarksville is cheaper than the state and national averages, you can still find the cheapest coverage out there. Before you buy Clarksville, TN auto insurance, shop around to see which company can offer you the best deal.
Enter your ZIP code now to compare Clarksville, TN auto insurance rates for free.
Frequently Asked Questions
What is Clarksville, TN auto insurance?
Clarksville, TN auto insurance refers to the insurance coverage specifically designed for vehicles owned and operated in Clarksville, Tennessee. It provides coverage for potential damages, liability, and other risks associated with owning and driving a vehicle in the Clarksville area.
Is auto insurance mandatory in Clarksville, TN?
Yes, auto insurance is mandatory in Clarksville, TN, as it is in most jurisdictions. Tennessee state law requires all drivers to carry minimum liability insurance coverage to protect themselves and others in the event of an accident.
What are the minimum auto insurance requirements in Clarksville, TN?
In Clarksville, TN, drivers must carry at least the following minimum liability insurance coverage:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $15,000 property damage liability coverage per accident
What other types of coverage are available for Clarksville, TN auto insurance?
In addition to liability coverage, other common coverage options available for Clarksville, TN auto insurance include:
- Collision coverage: This pays for repairs or replacement if your vehicle is damaged in a collision with another vehicle or object.
- Comprehensive coverage: This covers non-collision-related damages to your vehicle, such as theft, vandalism, or weather-related damage.
- Uninsured/underinsured motorist coverage: This protects you if you’re involved in an accident with a driver who doesn’t have sufficient insurance or is uninsured.
- Medical payments coverage: This helps cover medical expenses for you and your passengers in case of injuries sustained in an accident.
How are auto insurance rates determined in Clarksville, TN?
Auto insurance rates in Clarksville, TN are determined by various factors, including:
- Driving record: A clean driving record with no accidents or traffic violations generally leads to lower insurance rates.
- Vehicle make and model: The type of vehicle you drive, its age, and its safety features can influence insurance rates.
- Location: Factors such as the crime rate, population density, and frequency of accidents in Clarksville can impact rates.
- Coverage options: The coverage limits, deductibles, and additional coverage options you choose affect your premiums.
- Insurance company: Different insurance companies have their own rating algorithms and underwriting criteria, leading to variations in rates.
Where can I purchase auto insurance in Clarksville, TN?
Auto insurance can be purchased from various sources in Clarksville, TN. You can choose to work directly with insurance companies by contacting their agents or representatives. Additionally, many insurance brokers or independent agents can provide quotes and help you find suitable coverage from multiple insurance companies. Online insurance comparison websites are also a convenient option for obtaining quotes and comparing rates.
What should I do if I have questions or need assistance with my Clarksville, TN auto insurance?
If you have questions or need assistance with your Clarksville, TN auto insurance, you can:
- Contact your insurance provider: Reach out to your insurance company directly using the contact information provided on your policy documents or their website. They will be able to assist you with policy-related inquiries, claims, or any other concerns.
- Speak with an insurance agent: If you prefer personalized guidance, you can get in touch with an insurance agent or broker who can help answer your questions, provide advice, and assist you in finding suitable coverage.
- Consult with the Tennessee Department of Commerce and Insurance: The Tennessee Department of Commerce and Insurance can provide general information and resources related to auto insurance in Clarksville and the state. They can help answer regulatory questions and provide guidance on insurance-related matters.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
