Cheap Car Insurance in Clarksville, TN

Written by Xuyun Zeng and 1 other
Updated Mar 13, 2025
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Cheap Car Insurance in Clarksville, TN

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There are plenty of cool things to explore in Clarksville, like caves, distilleries and Fort Defiance. But drivers should be mindful of the area’s unique traffic hazards, such as military convoys out of nearby Fort Campbell, speeders on Interstate 24 heading to Nashville, and potential collisions with deer. 

Having proper car insurance coverage is important to keep your car and your finances protected. Jerry can help drivers in Clarksville find the best car insurance policies for their needs based on factors like age, zip code and driving history. 

Cheapest minimum coverage insurance in Clarksville

These are the cheapest quotes for minimum coverage that drivers in Clarksville, Tennessee, have received via Jerry.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$41 $486 Progressive 62 August 9, 2024 Clarksville, TN 37040
$43 $520 Trexis 50 November 1, 2023 Clarksville, TN 37043
$46 $548 Trexis 48 December 3, 2023 Clarksville, TN 37042
$46 $554 Gainsco 50 November 4, 2024 Clarksville, TN 37043
$47 $568 The General 50 November 4, 2024 Clarksville, TN 37043
$50 $604 National General 31 October 31, 2024 Clarksville, TN 37040
$50 $604 National General 31 November 1, 2024 Clarksville, TN 37040
$51 $606 Gainsco 52 March 2, 2025 Clarksville, TN 37042
$51 $610 Progressive 25 November 7, 2024 Clarksville, TN 37042
$51 $612 Gainsco 56 December 5, 2024 Clarksville, TN 37043
Last Updated Mar 24, 2025

Tennessee requires drivers to carry these minimum coverages:

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

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Find affordable car insurance in minutes.

Cheapest full coverage insurance in Clarksville

Full coverage could pay for your repairs if your car gets damaged by theft, vandalism, collisions and weather-related incidents. These are the cheapest quotes for full coverage that drivers in Clarksville have received via Jerry.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$56 $666 Trexis 41 October 21, 2023 Clarksville, TN 37042
$56 $674 Progressive 56 December 5, 2024 Clarksville, TN 37043
$59 $708 Progressive 29 December 30, 2024 Clarksville, TN 37042
$62 $748 Progressive 35 December 13, 2024 Clarksville, TN 37040
$62 $748 Progressive 35 June 4, 2024 Clarksville, TN 37042
$67 $804 Progressive 27 October 8, 2023 Clarksville, TN 37042
$71 $846 Progressive 43 March 19, 2025 Clarksville, TN 37040
$71 $856 Progressive 54 November 14, 2023 Clarksville, TN 37040
$74 $889 Progressive 39 December 19, 2024 Clarksville, TN 37040
$74 $892 Progressive 28 November 25, 2024 Clarksville, TN 37040
Last Updated Mar 24, 2025

Cheapest car insurance for young drivers in Clarksville (18-29 years old)

Young drivers typically pay more for car insurance because they lack driving experience and insurers view that lack of experience as risky. These are the cheapest quotes that young drivers in Clarksville have received via Jerry.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$50 $598 Electric 28 No March 3, 2025 Clarksville, TN 37040
$51 $610 Progressive 25 No November 7, 2024 Clarksville, TN 37042
$59 $708 Progressive 29 Yes December 30, 2024 Clarksville, TN 37042
$61 $736 Electric 28 No August 30, 2024 Clarksville, TN 37040
$65 $778 Trexis 24 No November 30, 2023 Clarksville, TN 37043
Last Updated Mar 24, 2025

Cheapest car insurance for mature drivers in Clarksville (30-54 years old)

Car insurance premiums tend to get cheaper as drivers gain experience on the road. These are the cheapest quotes that drivers in Clarksville between 30 and 54 years old have received via Jerry.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$43 $520 Trexis 50 No November 1, 2023 Clarksville, TN 37043
$46 $548 Trexis 48 No December 3, 2023 Clarksville, TN 37042
$46 $554 Gainsco 50 No November 4, 2024 Clarksville, TN 37043
$47 $568 The General 50 No November 4, 2024 Clarksville, TN 37043
$50 $604 National General 31 No November 1, 2024 Clarksville, TN 37040
Last Updated Mar 24, 2025

Cheapest car insurance for older drivers in Clarksville (55+ years old)

Drivers who are 55 and older usually get the cheapest premiums but those rates could rise once they reach their 70s. Here are the cheapest quotes that older drivers in Clarksville have received via Jerry.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
Has Full Coverage
$41 $486 Progressive 62 August 9, 2024 Clarksville, TN 37040 No
$51 $612 Gainsco 56 December 5, 2024 Clarksville, TN 37043 No
$51 $616 The General 55 December 16, 2023 Clarksville, TN 37040 No
$53 $630 Trexis 56 December 5, 2024 Clarksville, TN 37043 No
$54 $648 Trexis 59 January 13, 2025 Clarksville, TN 37042 No
Last Updated Mar 24, 2025

Cheapest car insurance for drivers with clean records in Clarksville

Drivers with clean records usually get the cheapest rates. These are the cheapest quotes that drivers with spotless records in Clarksville have received via Jerry.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
Has Full Coverage
City, State
ZIP Code
$41 $486 Progressive 62 August 9, 2024 No Clarksville, TN 37040
$43 $520 Trexis 50 November 1, 2023 No Clarksville, TN 37043
$46 $548 Trexis 48 December 3, 2023 No Clarksville, TN 37042
$46 $554 Gainsco 50 November 4, 2024 No Clarksville, TN 37043
$47 $568 The General 50 November 4, 2024 No Clarksville, TN 37043
$51 $606 Gainsco 52 March 2, 2025 No Clarksville, TN 37042
$51 $610 Progressive 25 November 7, 2024 No Clarksville, TN 37042
$51 $612 Gainsco 56 December 5, 2024 No Clarksville, TN 37043
$51 $616 The General 55 December 16, 2023 No Clarksville, TN 37040
$52 $620 Trexis 36 December 21, 2023 No Clarksville, TN 37040
Last Updated Mar 24, 2025

Cheapest car insurance for drivers with low credit scores in Clarksville

Tennessee allows insurers to use credit scores to help calculate premiums, and having a low credit score may cause your premium to be higher. Since insurers weigh credit scores differently, it’s wise to get multiple quotes to find the lowest rate. These are the cheapest quotes that drivers in Clarksville with credit scores below 550 have received via Jerry.

Credit Score
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
<550 $52 $620 Trexis 36 December 21, 2023 Clarksville, TN 37040
<550 $54 $648 Trexis 59 January 13, 2025 Clarksville, TN 37042
<550 $56 $674 Trexis 47 October 26, 2023 Clarksville, TN 37042
<550 $60 $718 Electric 59 January 13, 2025 Clarksville, TN 37042
<550 $65 $782 Trexis 59 July 25, 2024 Clarksville, TN 37042
Last Updated Mar 24, 2025

Cheapest car insurance for drivers with at-fault accidents in Clarksville

An at-fault accident will likely cause your premium to rise. These are the cheapest quotes that drivers in Clarksville with at-fault accidents have received via Jerry.

At-fault Accident on Record
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
At Fault With No Injury $50 $604 National General 31 No October 31, 2024 Clarksville, TN 37040
At Fault With No Injury $50 $604 National General 31 No November 1, 2024 Clarksville, TN 37040
At Fault With No Injury $68 $820 Trexis 47 No February 28, 2025 Clarksville, TN 37042
At Fault With No Injury $72 $864 Trexis 50 No February 23, 2025 Clarksville, TN 37040
At Fault With No Injury $73 $874 The General 38 No February 13, 2024 Clarksville, TN 37042
Last Updated Mar 24, 2025

Cheapest car insurance for drivers with speeding tickets in Clarksville

Drivers with speeding tickets typically pay a higher cost for auto insurance. Here are the cheapest quotes that drivers in Clarksville have received via Jerry.

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
Speeding over 15 $50 $604 National General 31 October 31, 2024 Clarksville, TN 37040
Speeding over 15 $50 $604 National General 31 November 1, 2024 Clarksville, TN 37040
Speeding over 15 $54 $648 Trexis 59 January 13, 2025 Clarksville, TN 37042
Speeding over 15 $60 $718 Electric 59 January 13, 2025 Clarksville, TN 37042
Speeding over 15 $61 $736 Electric 28 August 30, 2024 Clarksville, TN 37040
Last Updated Mar 24, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS
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Xuyun Zeng

Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

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Annie Millerbernd

Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.