In Clarksville, the average cost for full coverage car insurance is $95 per month. Prices range from $88 to $307, depending on various factors. To help drivers better understand what they might pay, the table below shows average car insurance costs for different driver profiles.
Clarksville, TN, Car Insurance
Updated: January 14, 2025
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Cheapest Car Insurance in Clarksville: Key Takeaways
In Clarksville, affordable car insurance options include Westfield, Auto-Owners, Tennessee Farm Bureau, Chubb and Travelers. They each offering competitive rates for various coverage needs.
Westfield is the cheapest car insurance provider for minimum coverage at $28 per month. Travelers offers the lowest rate for full coverage at $66 per month.
On average, car insurance in Clarksville costs $41 per month for minimum coverage and $95 per month for full coverage, with rates varying based on driver profiles.
Car Insurance Quotes in Clarksville, TN
| Young Drivers | $51 | $118 |
| Teens | No Data | $307 |
| Seniors | $42 | $88 |
| Drivers With a Speeding Ticket | $49 | $112 |
| Drivers With a DUI | $75 | $171 |
| Drivers With An Accident | $61 | $139 |
| Bad Credit | $69 | $163 |
Because insurers calculate premiums differently, you'll need to get quotes from multiple providers for the most accurate estimate.
Clarksville vs. State Average
Tennessee
State Average Full Coverage Rate
$1,130
Clarksville, TN
City Average Full Coverage Rate
$1,116More:$14 saved
This is 1% less expensive.
What Is the Average Car Insurance Rate in Clarksville?
In Clarksville, full coverage car insurance averages $1,116 per year, while state minimum coverage costs about $480. These rates show Clarksville's full coverage is cheaper than Tennessee's average of $1,151, but its state minimum is slightly higher than the state average of $479.
| State Average | $479 | $1,130 |
| Clarksville Average | $480 | $1,116 |
Cheapest Car Insurance Companies in Clarksville
Even with rising premiums in Tennessee, affordable car insurance is available in Clarksville. Westfield offers the cheapest minimum coverage at $26 per month. For full coverage, Travelers provides the best rate at $66 monthly.
Cheap Car Insurance in Clarksville
Westfield offers the cheapest minimum coverage for most drivers, but rates can vary. To find the best deal, get quotes from several providers. Below is a table showing the cheapest car insurance rates for different driver profiles.
| Westfield | Minimum Coverage | $26 |
| Travelers | Full Coverage | $66 |
| State Farm | Teens | $178 |
| Travelers | Young Adults | $58 |
| Auto-Owners Insurance Co | Seniors | $50 |
| Tennessee Farm Bureau | Bad Credit | $66 |
| Farmers | Drivers With a DUI | $80 |
| Tennessee Farm Bureau | Drivers With An Accident | $57 |
| Tennessee Farm Bureau | Drivers With a Speeding Ticket | $57 |
Car Insurance Rates in Clarksville by Company
Car insurance costs vary by company, so compare Clarksville rates for the best deal. Below, find details on the cheapest state minimum and full coverage policies.
Cheapest Car Insurance Companies for Minimum Coverage in Clarksville
Westfield offers the cheapest minimum coverage auto insurance at $28 per month, followed by Auto-Owners at $30. Check the table below for a full breakdown of affordable options.
| Westfield | $28 | $13 |
| Auto-Owners Insurance Co | $30 | $10 |
| Tennessee Farm Bureau | $32 | $9 |
| Chubb | $35 | $6 |
| Travelers | $35 | $6 |
| Erie | $36 | $5 |
| Progressive | $39 | $2 |
| Cincinnati Insurance | $39 | $2 |
| Farmers | $40 | $1 |
Cheapest Car Insurance Companies for Full Coverage in Clarksville
Travelers offers the cheapest full coverage car insurance in Clarksville at $66 per month. Below is a list of all available providers.
| Auto-Owners Insurance Co | $72 | $22 |
| Chubb | $88 | $7 |
| Erie | $88 | $7 |
| Farmers | $80 | $15 |
| Grange Insurance | $89 | $5 |
| Tennessee Farm Bureau | $83 | $12 |
| Travelers | $66 | $29 |
| Westfield | $93 | $2 |
Car Insurance Companies in Clarksville
To secure affordable car insurance in Clarksville, get quotes from various companies. Travelers offers the cheapest rate at $601 annually. Westfield is the best affordable provider, with a MoneyGeek score of 82 out of 100. Check the table below for more options to consider.
| Chubb | 82 | $733 |
| Westfield | 82 | $645 |
| Auto-Owners Insurance Co | 78 | $614 |
| Erie | 76 | $663 |
| Cincinnati Insurance | 75 | $859 |
| Travelers | 66 | $601 |
| American National P&C | 63 | $988 |
| Farmers | 62 | $671 |
| Grange Insurance | 60 | $785 |
| Nationwide | 57 | $896 |
| State Farm | 57 | $931 |
| Progressive | 53 | $957 |
| GEICO | 48 | $935 |
| Allstate | 48 | $1,007 |
| Tennessee Farm Bureau | No Data | $686 |
*Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in Clarksville by Age
Middle-aged drivers and younger seniors have the lowest car insurance rates, at $1,116 per year for 40-year-olds and $1,057 annually for 65-year-olds. Below, you can compare average rates for ages 16 to 65 in the city.
| 16 | $2,117 | $-498 |
| 17 | $2,112 | $-493 |
| 18 | $1,805 | $-186 |
| 19 | $1,611 | $8 |
| 20 | $1,653 | $-34 |
| 21 | $1,289 | $331 |
| 22 | $1,320 | $300 |
| 23 | $1,349 | $270 |
| 24 | $1,261 | $359 |
| 25 | $1,420 | $-206 |
| 40 | $1,116 | $98 |
| 65 | $1,057 | $157 |
Cheapest Car Insurance for Teens in Clarksville
Nationwide offers the cheapest overall car insurance for teens in Clarksville at $111 per month, saving $48 compared to the average state cost. The table below also breaks down some of the most affordable providers in the city for this age group.
| Nationwide | $111 | $48 | $262 |
| Farmers | $117 | $42 | $319 |
| Allstate | $136 | $23 | $321 |
| State Farm | $142 | $18 | $178 |
| Travelers | $170 | $-11 | $260 |
| GEICO | $177 | $-17 | $298 |
| Auto-Owners Insurance Co | $189 | $-29 | $198 |
| Progressive | $233 | $-73 | $618 |
*Rates reflect 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.
Best Car Insurance Rates for Young Drivers in Clarksville
Westfield offers the lowest minimum coverage rate for young drivers at $31 per month. For full coverage, Travelers provides the best rate at $77 monthly. Check the table below to see which providers offer the cheapest rates for different young driver profiles.
| Westfield | Minimum Coverage | $31 |
| Travelers | Full Coverage | $77 |
| Tennessee Farm Bureau | Bad Credit | $90 |
| Travelers | Drivers With a DUI | $86 |
| Tennessee Farm Bureau | Drivers With An Accident | $78 |
| Travelers | Drivers With a Speeding Ticket | $75 |
Cheapest Car Insurance Companies for Young Drivers in Clarksville
Travelers offers the most affordable auto insurance for young drivers at $58 per month. The table below shows other companies with competitive rates.
| Travelers | $58 | $27 |
| Farmers | $74 | $12 |
| Auto-Owners Insurance Co | $74 | $12 |
| Grange Insurance | $74 | $12 |
| Westfield | $78 | $8 |
| Tennessee Farm Bureau | $78 | $8 |
| Erie | $83 | $3 |
*Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Best Car Insurance Rates for Seniors in Clarksville
Westfield and Tennessee Farm Bureau offer the most affordable car insurance in Tennessee, but rates vary based on individual factors. The table below shows the cheapest providers for different driver and coverage profiles that may better fit your needs.
| Westfield | Minimum Coverage | $29 |
| Travelers | Full Coverage | $68 |
| Tennessee Farm Bureau | Bad Credit | $59 |
| State Farm | Drivers With a DUI | $78 |
| Tennessee Farm Bureau | Drivers With An Accident | $51 |
| Tennessee Farm Bureau | Drivers With a Speeding Ticket | $51 |
Cheapest Car Insurance Companies for Seniors in Clarksville
Auto-Owners offers the cheapest monthly premium for seniors for both minimum and full coverage at $50. Tennessee Farm Bureau follows with a rate of $51 per month. The table below shows the top car insurance provider options for seniors in Clarksville.
| Auto-Owners Insurance Co | $50 | $16 |
| Tennessee Farm Bureau | $51 | $15 |
| Travelers | $53 | $13 |
| Chubb | $55 | $11 |
| Farmers | $59 | $7 |
| Cincinnati Insurance | $59 | $6 |
| Westfield | $61 | $5 |
| Erie | $62 | $4 |
| Grange Insurance | $63 | $3 |
*Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Car Insurance Cost for High-Risk Drivers in Clarksville
In Clarksville, high-risk drivers often see lower insurance rates than the state average, with minimum coverage costing around $753 per year and full coverage at $1,720. However, having bad credit or DUIs on your record can lead to the highest costs, while accidents and speeding tickets have a smaller impact on your insurance rates.
| State Average | $757 | $1,754 |
| Clarksville Average | $753 | $1,720 |
DRIVING OFFENSES ONLY AFFECT RATES FOR A LIMITED TIME
Most minor driving incidents, like a not-at-fault accident or speeding ticket in Clarksville, are accounted for by insurers for a certain period. For serious offenses, such as a DUI, insurers may consider them for a longer time. You might need to file an SR-22 or FR-44 to meet your state's minimum coverage requirements.
Cheapest Auto Insurance Rates With a DUI in Clarksville
Progressive offers the cheapest minimum coverage for drivers with a DUI at $516 per year. Travelers provides the most affordable full coverage policy at $1,272 annually. Check out the table below for more low-cost coverage options.
| Travelers | $54 | $106 |
| Farmers | $57 | $113 |
| State Farm | $51 | $119 |
| Tennessee Farm Bureau | $50 | $131 |
| Progressive | $43 | $135 |
*Rates are for a 40-year-old driver with good credit and a DUI.
Cheapest Auto Insurance Rates With an Accident in Clarksville
Tennessee Farm Bureau, Westfield and Travelers offer the cheapest auto insurance after an at-fault accident. Below is a table showing different providers in Clarksville offering cheap car insurance coverage for drivers with an at-fault accident violation.
| Tennessee Farm Bureau | $32 | $83 |
| Travelers | $49 | $97 |
| Erie | $49 | $115 |
| Auto-Owners Insurance Co | $55 | $130 |
| Westfield | $48 | $141 |
*Rates are for a 40-year-old driver with good credit an at-fault accident.
Cheapest Auto Insurance Rates With a Speeding Ticket in Clarksville
Tennessee Farm Bureau is the cheapest car insurance provider for drivers with a speeding ticket in Clarksville. It offers minimum coverage at $32 per month and full coverage at $83 per month. Check the table below to see how other providers compare.
| Tennessee Farm Bureau | $32 | $83 |
| Erie | $38 | $92 |
| Chubb | $39 | $99 |
| Auto-Owners Insurance Co | $42 | $104 |
| Westfield | $34 | $111 |
**Rates are for a 40-year-old driver with good credit and a speeding ticket.*
Cheapest Car Insurance for Bad Credit in Clarksville
Tennessee Farm Bureau offers the most affordable rates for drivers with bad credit in Clarksville, with minimum coverage at $36 and full coverage at $96 monthly. See the table below for other affordable options.
| Tennessee Farm Bureau | $36 | $96 |
| Travelers | $57 | $110 |
| Grange Insurance | $54 | $115 |
| Farmers | $58 | $124 |
| Westfield | $52 | $167 |
*Rates are for a 40-year-old driver with bad credit and no driving violations.
Minimum Car Insurance Requirements in Clarksville, TN
In Tennessee, each city follows statewide mandates for car insurance minimums. Here's what your policy needs at a minimum:
- $25,000 for bodily injury liability per person
- $50,000 for bodily injury liability per accident
- $25,000 for property damage liability per accident
With this coverage, if you're in an accident, your insurance helps pay for injuries and damages up to these amounts, keeping you financially protected.
Cheap Car Insurance in Clarksville: Bottom Line
For the cheapest car insurance in Clarksville, Westfield wins for minimum coverage at $28; Travelers leads full coverage at $66. You'll find affordable options to fit your budget regardless of your age or credit. Make sure your policy covers Tennessee's basics: bodily injury and property damage. Compare providers to get a deal that keeps you legal on the road without breaking the bank.
Clarksville Auto Insurance: FAQ
This section offers quick answers to common questions about finding affordable and quality car insurance options in Clarksville.
What is the cheapest car insurance company in Clarksville, Tennessee?
Westfield offers the most affordable car insurance in Clarksville, Tennessee, with rates as low as $28 for state minimum coverage.
What is the best car insurance company in Clarksville, Tennessee?
Westfield is the best car insurance provider in Clarksville, Tennessee, with an annual premium of $645 for state minimum coverage.
How much does car insurance cost on average in Clarksville?
The average monthly cost for minimum coverage auto insurance in Clarksville ranges from $42 to $75.
Best Cheap Car Insurance in Clarksville: Our Methodology
MoneyGeek conducted an analysis of Clarksville auto insurance prices using data from the Tennessee Department of Commerce and Insurance and Quadrant Information Services.
Clarksville Driver Profile
To assess the best and most affordable auto insurance options for Clarksville residents, MoneyGeek used the following sample driver profile:
- 40-year-old male
- Clean driving history
- 2012 Toyota Camry LE
- 12,000 miles driven per year
By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.
Coverage Levels in Clarksville
In assessing the car insurance quotes for Clarksville, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to Tennessee's mandated liability insurance parameters:
- $25,000 for bodily injury liability per person
- $50,000 for bodily injury liability per accident
- $25,000 for property damage liability per accident
To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- Comprehensive and collision coverage with a deductible of $1,000
MoneyGeek’s Scoring System
MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.
Insurers received scores as indicated below, with a total possible score of 100 points:
- General customer satisfaction (up to 35 points)
- Affordability (up to 30 points)
- Claims experience (up to 20 points)
- Essential coverages (up to 10 points)
- Financial stability (up to five points)
MoneyGeek’s Sources
To gauge rates and assess the best service experiences among Tennessee providers, MoneyGeek utilized six sources:
- Quadrant Information Services provided actual policy quotes in Clarksville
- J.D. Power's studies and the NAIC index contributed to the assessment of customer service
- Claims experience metrics came from J.D. Power and the CRASH Network’s report card
- AM Best and Demotech offered financial stability insights through their ratings
MoneyGeek gathered quotes for the average driver across various ages, driving a Toyota Camry with a clean record, barring specific exceptions. Our study evaluated insurance companies in Clarksville.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a 5-time Jeopardy champion!
He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.