Cheap Auto Insurance Quotes in Clarksville, TN (2023)

Clarksville has 158,000 country-music-loving residents, and most drive as their main mode of transportation. While they're humming their favorite tune, they might as well fall in love with a car insurance policy that sounds like music to their ears.

Over 95 percent of Clarksville households own cars. With all those cars rocking down the roadways, every driver volunteers to find the right price in the Volunteer State.

Car Insurance in Clarksville, TN

The average cost of Tennessee car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Clarksville, TN to find you the cheapest quotes in the area.

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• Cheap Car Insurance Tennessee

• Compare Car Insurance

Cheapest Car Insurance in Clarksville, TN

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Best Car Insurance in Clarksville, TN

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Clarksville. For the complete list, see Insurify's best car insurance companies .

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Average Car Insurance Cost

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Minimum Car Insurance Requirements in Tennessee

All motor vehicles operated or parked on Tennessee roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Tennessee^[1] are:

• $25,000 per person for bodily injury

• $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Tennessee is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $15,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

Clarksville Car Insurance Rates by Driver Age

Age is everything when it comes to setting car insurance prices in Tennessee’s Top Spot. As you can see in the table below, younger Clarksville motorists pay more to insure their ride than older drivers do. Why? Because statistically speaking, they are at a greater risk of having an accident or making a claim. At $301, teen drivers pay nearly three times as much for car insurance as those in their 70s. With age comes experience, however. By the time they reach their 20s, young drivers’ insurance rates drop 63 percent to $185.

Clarksville Car Insurance Rates by Driving and Accident History

Most motorists recognize the strong ties between insurance rates and driving behavior. This is because the way you behave on the road (whether you take risks or play it safe) helps insurance companies predict the likelihood of you making a claim. While motorists without any offenses on their driving record pay the least for insurance in Clarksville, at $185, insurance rates increase according to the mistakes you make. Speeding, causing an accident and failing to stop cost drivers increased rates of $201, $217, and $214, respectively.

See More:

• High-risk Car Insurance Tennessee

• DUI Car Insurance Tennessee

Clarksville Car Insurance Rates by Credit Tier

Setting insurance rates is all about understanding an individual’s risk. How likely is it that the motorist will make an insurance claim? One way insurance companies uncover risk is by considering a person’s credit score. While it might not seem related to the road, how a person manages their money speaks volumes to whether they are considered a good or bad risk. Pay your bills on time? Good risk. Have a bankruptcy on record? Bad risk. In Clarksville, drivers with an average credit score can expect to pay $200 for their car insurance monthly, while premiums for drivers with excellent credit scores average out to $178.

See More: Bad Credit Car Insurance Tennessee

Find local Clarksville agents

Clarksville, TN DMV Information

The Clarksville Driver Services Center is at 220 W Dunbar Cave Rd., Clarksville, TN 37040. The hours are Monday through Friday from 8:30 a.m. to 5 p.m., and the phone number is 1 (931) 648-5596. You can also get help at the Dickson Driver Services Center, Erin/Houston County Clerk, Springfield Driver Services Center, Ashland City/Cheatham County Clear, and the City of Clarksville.

Public Transportation in Clarksville, TN

Most people in Clarksville drive, but the city also provides public transportation. Clarksville Transit System has buses, paratransit, and help through The Lift for qualified disabled and elderly passengers. If the bus isn't your speed, you can opt for rideshare services such as Uber or Lyft. Traditional taxi companies like ABC Veterans Cab Service and 101st Airborne Cab also offer ways to get to your destination. If you want to get fresh air, you can ride along with BCycle, a bikeshare program.

For more detailed Tennessee city level guides, check out these below.

• Average Cost of Car Insurance Rates in Tennessee

• DUI Car Insurance Rates in Tennessee

• High-Risk Driver Car Insurance Rates in Tennessee

• Tennessee Car Insurance with Bad Credit Rates

• Short-Term Car Insurance in Tennessee

• SR-22 Insurance in Tennessee

How to get the best and cheapest car insurance in Clarksville, TN

Clarksville residents live in a historic city, but that doesn't mean a good insurance rate is a thing of the past. If you wish for a sweeter deal than the best BBQ, why not try Insurify for that sizzling price? Compare dozens of insurance quotes in just a few seconds.

When one out of five Tennessee drivers has no insurance, there's too much risk in skipping protection. Use Insurify to get the coverage you need and give your wallet a "Titan up."

FAQs - Clarksville, TN Car Insurance