Cheapest car insurance in Clarksville, Tennessee (Nov 2024)

Written by R.E. Fulton and 2 others
Nov 22, 2024
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Cheapest car insurance in Clarksville, Tennessee (Nov 2024)

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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 $330 19 37043 Kia Rio Lx State Minimum Yes
Progressive $83 62 37042 Chevrolet Cobalt Lt State Minimum No
Bristol West $376 43 37042 Nissan Altima Sv State Minimum Yes
Progressive $94 23 37042 Kia Forte Gt Line State Minimum No
Progressive $74 27 37040 Toyota Corolla L State Minimum Yes
Last Updated Nov, 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 companyOverall ratingPriceClaims experienceCustomer service
Geico4.64.8N/A4.6
State Farm4.23.74.64.4
Progressive4.23.73.84
Allstate4.14.3N/A4
Farmers3.72.3N/A3

How’d we get these scores?

Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

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.

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:

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 $330 19 37043 Kia Rio Lx
State Minimum No Progressive $83 62 37042 Chevrolet Cobalt Lt
State Minimum Yes Bristol West $376 43 37042 Nissan Altima Sv
State Minimum No Progressive $94 23 37042 Kia Forte Gt Line
State Minimum Yes Progressive $74 27 37040 Toyota Corolla L
Last Updated Nov, 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 CodeAverage State Minimum Coverage RateAverage 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 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 National General $50 30 37042 Chevrolet Camaro Lt State Minimum No
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 Nov, 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 Electric $202 30 37042 Nissan Armada Platinum State Minimum No
At Fault With No Injury Trexis $270 27 37042 Ford F250 Super Duty State Minimum Yes
At Fault With Injury Electric $145 28 37040 Ford Escape Sel State Minimum No
At Fault With No Injury Trexis $73 29 37043 Toyota Camry State Minimum No
At Fault With No Injury Progressive $238 46 37042 Ram 1500 Big Horn State Minimum Yes
Last Updated Nov, 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
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
Failure to Obey Signal National General $139 48 37040 Jeep Grand Cherokee Summit State Minimum Yes
Last Updated Nov, 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 Bristol West $376 43 37042 Nissan Altima Sv State Minimum Yes
<550 Progressive $94 23 37042 Kia Forte Gt Line State Minimum No
750+ Progressive $74 27 37040 Toyota Corolla L State Minimum Yes
550-659 Trexis $79 33 37042 Dodge Charger Scat Pack State Minimum No
550-659 Trexis $560 20 37042 Hyundai Elantra N Line State Minimum Yes
Last Updated Nov, 2024

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

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


Popular Car
Insurance Company
Premium (monthly)
Age
Zip Code
Liability Limits
Has Full Coverage
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
Nissan Altima 2.5S National General $307 20 37043 State Minimum Yes
Last Updated Nov 30, 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.

FAQ

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MEET OUR EXPERTS
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R.E. Fulton
  • Licensed Insurance Agent

R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views. As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.

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Lina Zhang

Lina Zhang is co-founder and vice president of operations at Jerry, where she leads a global team responsible for operations, talent acquisition, content, legal, and compliance. Lina’s operational excellence was a critical enabler of Jerry’s 10x growth in its first year of operation.

Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, led YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017.

Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.

Lina holds a bachelor’s degree in biochemistry from Nanjing University, a doctorate in biochemistry from Dartmouth College, and a juris doctorate from the University of California Berkeley School of Law. She’s a member of the State Bar of California and a licensed property and casualty insurance producer in all 50 states.

meet-experts-thumbnail
Josh Damico

As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.

Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.

Josh holds a bachelor’s degree in business administration and management from Medaille College.

*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.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.

Insurance research

We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).

We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.

For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.

Team

The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

For illustrative purposes only, results may vary

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