Best Cheap Auto Insurance in Clarksville, TN (2021)

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. The cheapest auto insurance in Clarksville offered to every driver is from Travelers.

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 – $2,668.75
• Travelers – $2,691.29
• Farmers – $2,722.22
• State Farm – $2,789.67
• GEICO – $3,246.78
• Nationwide – $3,322.46
• Progressive – $3,573.14
• Allstate – $4,814.39
• Liberty Mutual – $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.

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, Massachusetts, and North Carolina. Find the cheapest Clarksville, Tennessee auto insurance rates by credit score below.

Your driving record will affect your Clarksville auto insurance rates. For example, a Clarksville, Tennessee DUI may increase your auto insurance rates 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, so 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 bodily injury coverage
• $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.