Cheapest and Best Car Insurance in Clarksville, TN (2024)

In Clarksville, Tennessee, Auto-Owners has the lowest rates for full coverage and is also best overall, balancing price and service quality. For families with teens, Nationwide is the most cost-effective. For customer service, Cincinnati Insurance stands out. The best insurance for you hinges on personal coverage preferences.

Auto-Owners is the cheapest option in Clarksville, offering the most affordable minimum coverage for car insurance. For those looking to economize, here are the top two providers:

• Auto-Owners: $275 per year
• Tennessee Farm Bureau: $304 per year

Allstate offers the most expensive minimum coverage policy in Clarksville, with an annual premium of $670. This stark difference — a substantial $395 more than Auto-Owners — underscores the significance of comparison shopping to ensure you are receiving the best rate for your car insurance needs.

From Memphis to Clarksville, car insurance coverage minimums are set by Tennessee state law. Here’s what drivers are required to have:

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

Say you have the minimum coverage and are at fault in an accident, your policy might cover $25,000 for one person's injuries. But if two people are hurt, and each has $30,000 in medical bills, your policy will only pay $50,000 total. In that case, any amount over those limits comes out of your pocket.

MoneyGeek found that Auto-Owners offers the cheapest full coverage car insurance in Clarksville.

• Auto-Owners: $726 per year
• Farmers: $771 per year

The most expensive full coverage policy in Clarksville comes from Progressive, at $1,515 annually. This is $789 more than the cheapest option, highlighting the importance of comparing rates for full coverage, which often costs more due to the comprehensive protection it offers.

In Clarksville, full coverage elevates liability levels from the state-mandated minimum to a more robust limit: $100,000 for bodily injury per individual, $300,000 per accident for bodily injury and $100,000 for property damage per accident. This is concisely referred to as a 100/300/100 policy.

Full coverage policies also include both comprehensive and collision coverage:

• Collision Insurance: This is designed to cover the costs of repairing your vehicle when it’s damaged in a collision, whether with another vehicle or an object like a fence or street light. It also covers rollover accidents and pothole damage.
• Comprehensive Insurance: Comprehensive coverage is for scenarios where damage to your vehicle arises from non-collision events. This would include theft, vandalism, natural disasters and being struck by an animal like a deer.

If you've recently purchased a new vehicle, it's advisable to opt for full coverage insurance. But you're typically required to carry it if you're leasing or have a car loan.

But owners of older vehicles may find that the additional cost of full coverage — which can run into hundreds of extra dollars — may not justify the benefits. More extensive coverage typically means a higher premium, but choosing a plan with less coverage could leave you vulnerable if you're underinsured. Consider how much car insurance you need To make an informed decision that strikes the right balance between coverage and cost.

The cheapest company for drivers with a poor driving record in Clarksville varies depending on the type of driving offense:

• Speeding ticket: Tennessee Farm Bureau ($865 per year)
• At-fault accident: Tennessee Farm Bureau ($865 per year)
• DUI: Auto-Owners ($1,876 per year)

Companies like Chubb and Westfield present some of the highest rates for these offenses. The disparity in annual rates between the cheapest option after a speeding ticket and a DUI is significant, with a difference of $1,011, highlighting how a more severe violation like a DUI can impact car insurance costs greatly.

In Clarksville and beyond, insurance rates are typically higher for drivers with serious offenses due to the increased risk they pose. For example, drivers with a DUI in Clarksville can expect an average annual rate of $2,645 compared with $1,736 for those with a speeding ticket — a significant difference of $909. Driver with infractions must therefore diligently compare insurance quotes to potentially save hundreds of dollars and find the most favorable rates.

Nationwide offers the cheapest car full coverage insurance for teens.

• Nationwide: $1,284 per year for female teens and $1,453 per year for male teens
• Farmers: $1,575 per year for female teens and $1,670 per year for male teens

Progressive has most costly teen family policy in the area, with costs peaking at $2,699 for female teens. This staggering $1,415 difference when compared with Nationwide underscores the importance of shopping around, especially when adding higher-risk teenage drivers to a policy.

In Clarksville, teens purchasing car insurance independently will confront high premiums averaging $5,007 annually, a stark contrast with the average yearly cost of $2,232 when they opt into a family plan. The disparity is due to the perceived risk insurers associate with young, inexperienced drivers. These risk factors make individual policies not only expensive but often challenging for teens to secure. It's more feasible and cost-efficient for young drivers to leverage the collective benefit of a family insurance plan.

USAA is the cheapest car insurance for military backgrounds for people in Clarksville.

• USAA: $671 per year
• Auto-Owners: $726 per year

Not only is USAA the cheapest option in Clarksville, but it also offers insurance that tailors to the needs of active duty military members..

In Clarksville, finding the best car insurance rates typically entails a time investment of over 15 minutes per insurer. Save time with MoneyGeek's car insurance calculator, crafted to center on variables that significantly influence insurance costs in the area. Just input details such as age, driving history, credit score and coverage preferencesto obtain a personalized rate estimate.

Service quality, cost, coverage and more are important elements in finding the right auto insurance. Utilizing different scoring metrics for each category, MoneyGeek's research pinpoints the top car insurance providers in Clarksville for various preferences:

• Best overall: Auto-Owners (MoneyGeek score: 80 out of 100)
• Best for service: Cincinnati Insurance (MoneyGeek score: 80 out of 100)
• Best cheap: Auto-Owners (MoneyGeek score: 85 out of 100)

For a comprehensive option, Auto-Owners is the standout in Clarksville for overall value and affordability. Cincinnati Insurance is the go-to if you prioritize top-tier service. If you want to keep costs low without compromising on service, Auto-Owners delivers again with the highest score for affordable coverage.

Auto-Owners offers the best car insurance in Clarksville.

• Auto-Owners: MoneyGeek score of 80 out of 100 ($726 per year)
• Chubb: MoneyGeek score of 79 out of 100 ($1,053 per year)

Auto-Owners distinguishes itself with the highest overall customer satisfaction and unparalleled affordability in Clarksville. The insurer's score is particularly notable for a full coverage policy, reflecting a comprehensive package that balances value and service.

Cincinnati Insurance is the best option in Clarksville for exceptional car insurance based on customer service.

• Cincinnati Insurance: MoneyGeek score of 80 out of 100 ($1,111 per year)
• Chubb: MoneyGeek score of 79 out of 100 ($1,053 per year)

Cincinnati Insurance distinguishes itself with a strong focus on customer service. With the highest satisfaction and coverage scores among its peers, the company demonstrates a commitment to providing extensive coverage options and a positive customer service experience.

Auto-Owners is the best cheap car insurance option in Clarksville for drivers looking to save without compromising on quality service. This company balances affordability and efficient claims handling, ensuring customers are satisfied with their coverage and support.

• Auto-Owners: MoneyGeek score of 85 out of 100 ($275 per year)
• Westfield: MoneyGeek score of 79 out of 100 ($388 per year)

Auto-Owners stands out for its high affordability and customer satisfaction. The company has earned the top spot also due solid claims service, providing coverage that meets the needs of Clarksville drivers looking for minimum coverage policies.

In Clarksville, Tennessee, the average car insurance cost is around $1,059. This figure is slightly less than the state average of $1,109. However, both the city and state average car insurance costs in Tennessee are significantly lower than the national average of $1,720.

Car insurance premiums are influenced by a range of factors, with location playing a key role in determining the rates. Geographic area impacts insurance costs due to variables like traffic density, accident rates and theft incidents. For example, MoneyGeek’s analysis reveals that the premiums can vary broadly within Tennessee itself. Knoxville boasts the cheapest premium at $1,036, while Memphis holds the title for the most expensive at $1,358. Rates in non-city areas with lower traffic density may be even less.