How to find the cheapest car insurance quotes in Clarksville

In Clarksville, the average auto insurance policy costs about $78 per month for minimum coverage liability insurance, and about $108 per month for full coverage insurance. Clarksville drivers pay 5% less than the Tennessee average.

While it would certainly make shopping easy, there’s no single car insurance company that offers the cheapest rates for everyone. That’s why it pays for drivers to shop around and compare quotes to find the best cheap auto insurance policy for them. Fortunately, Jerry makes it easy for Clarksville drivers to do just that—and once you find the policy you want at the right rate, our licensed insurance agents can help you cancel your old one completely hassle-free.

Insurance Company	Premium (monthly)	Age	Zip Code	Car	Liability Limits	Has Full Coverage
Trexis	$96	34	37040	Mazda B3000	State Minimum	Yes
Trexis	$148	52	37042	Kia Optima Ex	State Minimum	Yes
Trexis	$188	48	37040	Jeep Grand Cherokee Summit	State Minimum	Yes
Trexis	$157	26	37043	Ford Fusion Se	State Minimum	No
Gainsco	$89	23	37043	Lexus Gs 300	State Minimum	No

Last Updated Dec 17, 2024

Best car insurance companies in Clarksville

Car insurance might not seem like a personal thing, but it is. Finding the right auto insurance policy depends on your needs as a driver, which means no single provider will offer the best rate for everyone. Apart from cost, other factors like claims handling and customer service are also important when choosing a carrier.

If you’re struggling to find the best company in Clarksville, we’ve made it easy. We wanted to find out what car insurance companies offered the cheapest car insurance rates in Clarksville, so we conducted the largest insurance shopping survey in the nation.

Our findings: Policyholders in Tennessee gave Bristol West, GEICO, and Travelers the highest rates for cost, customer service, and claims processing.

After finding new car insurance policies with Jerry, here’s what Tennessee drivers have had to say about working with their providers.

Insurance company	Overall rating	Price	Claims experience	Customer service
Geico	4.6	4.8	N/A	4.6
State Farm	4.2	3.7	4.6	4.4
Progressive	4.2	3.7	3.8	4
Allstate	4.1	4.3	N/A	4
Farmers	3.7	2.3	N/A	3

Best cheap car insurance quotes in Clarksville

Tennessee’s minimum car insurance requirements reflect how much insurance you need the carry to legally drive as well as the cheapest coverage option in Clarksville. However, minimum liability coverage provides minimal financial protection.

You’ll need full coverage if you want to cover the cost of repairing or replacing your own vehicle–but that’s not as easy to get in the Volunteer State as it once was thanks to the current car insurance crisis. Take a listen to what Jerry’s experts have to say about the state of the insurance industry in Tennessee, and how it could affect your policy choices in Clarksville.

https://youtu.be/UYT6wttF8gY

Cheap minimum liability insurance quotes in Clarksville

In Clarksville, Tennessee, drivers must satisfy the state’s minimum car insurance requirements. Here’s a breakdown of what you’ll need:

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

Uninsured/underinsured motorist coverage is offered by insurers in Tennessee but isn’t required by law. If drivers choose to reject coverage, they must do so in writing.

Purchasing liability coverage is the easiest way to reduce monthly insurance payments, but it can leave you susceptible to significant expenses if you’re involved in an at-fault accident that causes injury or property damage.

Do you need more than minimum coverage in Clarksville?

Generally speaking, most drivers would benefit from having more than Tennessee’s required 25/50/25 liability insurance.

The reason why: More severe accidents can easily exceed these limits, and if you were found at fault for an accident, you’d need to find another way to pay for others’ injuries and damages once that limit is reached. And because Tennessee’s car accident laws allow drivers to file property damage lawsuits up to three years after the accident, your liability can extend long beyond the original crash.

For better financial protection, insurance experts commonly recommend choosing higher liability limits, such as 50/100/50 or 100/300/100.

Cheap full coverage car insurance quotes in Clarksville

Liability coverage won’t cover damage to your vehicle—you’d need collision and comprehensive coverage for that.

Full coverage car insurance generally refers to a policy that includes both comprehensive and collision coverage. Collision coverage pays to repair or replace your vehicle after an accident with another vehicle or stationary object, while comprehensive coverage applies to damages caused by various other non-collision-related events, like theft, severe weather, or animal damage.

If you lease or finance a car, your lenders will likely require that you keep full coverage on your car for the duration of your loan.

Check out the rates other Clarksville drivers have found for full coverage car insurance with Jerry’s help.

Liability Limits	Has Full Coverage	Insurance Company	Premium (monthly)	Age	Zip Code	Car
State Minimum	Yes	Trexis	$96	34	37040	Mazda B3000
State Minimum	Yes	Trexis	$148	52	37042	Kia Optima Ex
State Minimum	Yes	Trexis	$188	48	37040	Jeep Grand Cherokee Summit
State Minimum	No	Trexis	$157	26	37043	Ford Fusion Se
State Minimum	No	Gainsco	$89	23	37043	Lexus Gs 300

Last Updated Dec 17, 2024

Finding affordable car insurance doesn’t have to be like finding a needle in a haystack. With a comparison app and licensed insurance broker like Jerry, you can find the coverage you need at the most affordable rates in minutes. And with over 100+ licensed insurance agents helping provide end-to-end customer service, no questions will go unanswered.

Average cost of car insurance in Clarksville

After analyzing scores of insurance providers in Clarksville, we have discovered that the average price for minimum liability coverage amounts to be $78 per month or $936 per year. Additionally, residents of Clarksville can expect to pay an average of $108 per month or $1,299 per year for full coverage insurance.

While it’s useful to understand average insurance rates to estimate your personal insurance costs, it’s important to note that individual insurance premiums are influenced by numerous factors. These factors may include vehicle type, driving history, claims record, and other key demographics.

Average cost of car insurance in Clarksville by zip code

Your ZIP code plays a large part in your car insurance calculations since different areas of a city are subject to their own unique features. If you move to a ZIP code notorious for traffic congestion or vehicle theft, you’ll likely see higher rates than drivers in other areas of the city.

To see how your ZIP code could affect your Clarksville insurance rates, check out the table below.

Zip Code	Average State Minimum Coverage Rate	Average Full Coverage Rate
37040	$48	$121
37042	$61	$140
37043	$44	$116

Car insurance quotes in Clarksville by rating factors

Insurance companies in Clarksville use many rating factors when deciding your auto insurance premium:

• Your driving record and claims history: Drivers with a track record of accidents or violations generally face higher premiums than those with a clean record.
• Your demographics: Your age, gender, and marital status can all influence the cost of your insurance rates.
• Your location: City dwellers often encounter higher premiums compared to rural residents due to factors like increased crime rates and higher population density.
• Your mileage: High annual mileage can result in higher insurance costs.
• The make/model of your car: Luxury, sport, and high-performance vehicles typically cost more to insure since replacement parts are more expensive.
• Your credit score: Good credit scores are generally associated with lower insurance rates, even for identical coverage.

Cheap car insurance quotes in Clarksville after driving violations

Your Tennessee driving record will predictably have a significant influence on your car insurance rate. Racking up too many violations could send your insurance rate skyrocketing, so it pays to practice safe driving by following the rules of the road.

Some common violations that contribute to premium increases include:

• Speeding
• DUIs
• At fault accident
• Reckless driving
• Driving on a suspended license
• Driving without insurance

Cheapest car insurance in Clarksville after speeding ticket

You’re almost certain to see an increase in your insurance rates following a Tennessee speeding ticket, but how much your rates increase is linked both to how fast you’re driving and how many times you’ve been ticketed for speeding. If you’re going fast enough to warrant a reckless driving conviction, expect major rate increases.

Whether this is your first offense or you have a few speeding tickets in your glove compartment, Jerry can still help you find affordable coverage.

Speeding Type	Insurance Company	Premium (monthly)	Age	Zip Code	Car	Liability Limits	Has Full Coverage
Speeding Violation-Major	Trexis	$195	30	37040	Chevrolet Camaro Lt	State Minimum	No
Speeding 16-20	Bristol West	$98	29	37042	Jeep Grand Cherokee Overland	State Minimum	Yes
Speeding Violation-Major	First Acceptance	$606	29	37042	Ford Focus S	State Minimum	Yes
Speeding Violation-Major	Trexis	$308	20	37042	Honda Accord Sport	50/100	Yes
Speeding Violation-Major	Trexis	$112	31	37040	Hyundai Sonata Limited	State Minimum	No

Last Updated Dec 17, 2024

Cheapest car insurance in Clarksville after DUI

If you’re convicted of DUI, it serves a major red flag for auto insurance companies, signaling you’re a high-risk driver, which can send your rates soaring. In fact, some providers may not offer coverage after a DUI, especially if it’s not your first.

Cheapest car insurance in Clarksville after an at-fault accident

At-fault accidents can result in steep rate hikes from your car insurance company. Too many at-fault accidents on your record suggest you’re a risky driver, which, to insurers, means a more costly driver. That’s why you’ll see higher insurance rates than drivers with clean driving records.

If you recently had an accident and saw your car insurance rate increase, shopping around for new car insurance quotes might get you a better rate—like it did for these Clarksville policyholders:

Accident type	Insurance Company	Premium (monthly)	Age	Zip Code	Car	Liability Limits	Has Full Coverage
At Fault With No Injury	Trexis	$157	26	37043	Ford Fusion Se	State Minimum	No
At Fault With No Injury	Trexis	$353	26	37042	Chevrolet Spark 1Lt	State Minimum	Yes
At Fault With No Injury	Trexis	$195	30	37040	Chevrolet Camaro Lt	State Minimum	No
At Fault With No Injury	Progressive	$675	56	37043	Nissan Sentra Nismo	State Minimum	Yes
At Fault With No Injury	Electric	$295	31	37042	Chevrolet Equinox Ls	State Minimum	Yes

Last Updated Dec 17, 2024

Cheapest car insurance in Clarksville after other driving violations

As you’d probably expect, driving offenses can increase your car insurance rate—but the exact impact will likely depend on how many you have and their severity. Things like reckless driving, driving on a suspended license, and driving without insurance are all violations that can increase car insurance rates in Clarksville.

Here’s a look at rates Clarksville drivers have found after various types of violations with help from Jerry:

Violation	Insurance Company	Premium (monthly)	Age	Zip Code	Car	Liability Limits	Has Full Coverage
Failure to Obey Signal	Trexis	$188	48	37040	Jeep Grand Cherokee Summit	State Minimum	Yes
Suspension	Gainsco	$133	34	37043	Kia Forte Lx	State Minimum	Yes
Suspension	Bristol West	$321	49	37040	Lincoln Mkx Reserve	State Minimum	Yes
Improper Passing	The General	$260	29	37040	Ford Ecosport S	State Minimum	Yes
Suspension	Trexis	$351	33	37042	Dodge Charger Se	State Minimum	Yes

Last Updated Dec 17, 2024

Cheap car insurance quotes in Clarksville by age

Age isn’t everything, but it has a significant impact on what you pay for auto insurance coverage.

Young drivers have the highest average car insurance premiums. Luckily, this is only temporary for safe drivers, as you can generally expect your car insurance rates to decrease gradually over time for most of your adult life.

By age 75, you can usually expect car insurance costs to rise again

Cheapest car insurance in Clarksville for young drivers

Teen drivers aged 16 to 19 see some of the highest insurance premiums of any age group due to limited driving experience, but rates usually remain high until 25. New drivers also face high premiums due to a lack of driving experience and limited insurance history. After 25, rates tend to decline steadily.

While minimum coverage is the cheapest option for young and new drivers, most can benefit from a full coverage policy’s added protection. To help offset the high costs of teen insurance, look for student discounts!

Cheapest car insurance in Clarksville for senior drivers

Older drivers usually enjoy lower premiums, but senior drivers may see a rate increase in their mid-seventies thanks to slower reflexes and increased risk for injury.

Cheap car insurance quotes in Clarksville based on insurance history

Like your driving record and claims history, your insurance history is a significant rating factor in the eyes of insurance companies. Specifically, insurers will consider how long you have been insured and whether you’ve experienced any lapses in coverage.

Drivers who have had recent or past lapses in coverage may face higher auto insurance rates.

Cheap car insurance quotes in Clarksville for drivers with bad credit

While having poor credit doesn’t automatically mean you’re an unsafe driver, insurers have seen a correlation between low credit scores and an increased frequency of claims. That’s why drivers with bad credit tend to pay higher premiums than those with healthy credit ratings.

Generally, drivers with excellent credit (over 750) pay about 20% less for auto coverage than drivers with scores below 550.

Credit Score	Insurance Company	Monthly Quote	Age	Zip Code	Car Make Model Trim	Liability Limits	Has Full Coverage
550-659	Trexis	$96	34	37040	Mazda B3000	State Minimum	Yes
<550	Trexis	$148	52	37042	Kia Optima Ex	State Minimum	Yes
550-659	Trexis	$188	48	37040	Jeep Grand Cherokee Summit	State Minimum	Yes
660-750	Trexis	$157	26	37043	Ford Fusion Se	State Minimum	No
550-659	Gainsco	$89	23	37043	Lexus Gs 300	State Minimum	No

Last Updated Dec 17, 2024

Cheap car insurance quotes in Clarksville for popular cars

The kind of car you drive can have a significant impact on auto insurance premiums. The more expensive, large, and rare your vehicle is, the more it will cost to repair—and to insure.

Vehicles that are popular with Clarksville drivers are:

• Ford F-150
• Chevrolet Silverado 1500
• Ram 1500
• Honda Civic
• Nissan Altima
• Nissan Rogue
• Toyota Camry
• Ford Escape

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Learn more: How to get car insurance before buying a car

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Popular Car	Insurance Company	Premium (monthly)	Age	Zip Code	Liability Limits	Has Full Coverage
Ford Escape Se	Progressive	$100	37	37042	State Minimum	No
Nissan Altima Sv	Bristol West	$376	43	37042	State Minimum	Yes
Ford Escape Sel	Electric	$145	28	37040	State Minimum	No
Toyota Camry	Trexis	$73	29	37043	State Minimum	No
Nissan Altima 2.5	National General	$540	24	37042	50/100	Yes

Last Updated Dec 17, 2024

Cheapest car insurance in Clarksville for new vs. old car

In addition to its make and model, your vehicle’s age also plays a role in determining what you’ll pay for insurance. As you’d likely expect, it typically costs more to insure a newer vehicle than one that’s turned over a few thousand miles.

Average insurance rates in Clarksville for vehicles based on age are:

In Cleveland, the average cost to insure a vehicle that’s 10 years old or older is $102 per month.

How to lower car insurance costs in Clarksville

1. Shop around and compare quotes

Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months.

Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free!

2. Hunt for car insurance discounts

Every insurance company offers a set of discounts, but the exact discount offered varies by company. Some common discounts include:

• Good driver discounts. California state law mandates 20% insurance discounts for drivers with one or fewer points on their license who have continuously held a license for three years with no at-fault accidents responsible for injury or death.
• Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
• Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
• Bundling discounts. Bundle your home and auto insurance (or auto and renters) with the same company, and you could get a discount on both policies.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.