Best Cheap Auto Insurance in Clarksville, TN (2021)
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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Written by
Mathew B. Sims
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Reviewed by
Daniel Walker
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UPDATED: Apr 29, 2021
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- 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.
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 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.
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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.
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.