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Key Takeaways
- Clarksville car insurance ($1560 annually):This is slightly cheaper than both national and state averages.
- Young drivers: Pay the most, with rates dropping as you gain experience.
- Local agents: Consider local agents who can provide personalized advice and quotes.
How Much Does Car Insurance Cost In Clarksville?
The average cost of auto insurance in Clarksville is $1560 per year. That is less expensive than the national average ($1557) and Tennessee's statewide average of $1590.
Clarksville Rates Vs Tennessee Vs United States Averages
| Clarksville (Annual Average) | Tennessee (Annual Average) | United States (Annual Average) |
|---|---|---|
| $1560 | $1590 | $1557 |
Cheapest Car Insurance Companies in Clarksville
The best way to save money on auto insurance is to get quotes from as many different providers as you can and then choose the one that offers the lowest price. For the typical insurance consumer, USAA provides the most affordable rates in Clarksville. The best affordable auto insurance companies in Clarksville are listed below.
Compare quotations that are specific to your driving profile and use this information as a starting point.
| Company | Avg Annual Premium |
|---|---|
| USAA | $960 |
| State Farm | $1110 |
| Nationwide | $1206 |
| Tennessee Farmers | $1302 |
Clarksville Auto Insurance Premiums By Age Group
According to our statistics, 46% of Clarksville drivers are between the ages of 20 and 29. 50-year-old drivers in Clarksville had the cheapest auto insurance rates; they pay, on average, $633 for six months of coverage. Sixty-year-old drivers pay somewhat more ($644 for six months).
Teen drivers pay the most expensive insurance rates in Clarksville. Drivers in Clarksville see significant rate reductions as they enter their 20s and leave the teenage group.
| Age Bracket | Avg Annual Premium |
|---|---|
| Teenagers | $6,186 |
| 20s | $2,112 |
| 30s | $1,518 |
| 40s | $1,362 |
| 50s | $1,290 |
| 60s | $1,308 |
| 70s | $1,584 |
Cheapest Car Insurance in Clarksville with a Violation
One of the best ways to reduce your insurance costs is to keep your driving record spotless. Rate increases are frequently the result of speeding tickets, reckless driving charges, DUIs and DWIs, and at-fault accidents.
Drivers in Clarksville who are found guilty of reckless driving incur higher vehicle insurance premiums—an $824 annual increase—than the city average. Insurance rates increase by $331 on average for a speeding ticket, but $707 per year for a DUI infraction.
| Incident | Avg Annual Premium |
|---|---|
| DUI/DWI | $2,268 |
| Reckless Driving | $2,382 |
| At-fault Accident (damages less than $1,000) | $2,052 |
| At-fault Accident (damages greater than $2,000) | $2,202 |
| Speeding Ticket (16-20 mph over speed limit) | $1,980 |
Cheapest Car Insurance in Clarksville based on Credit Score
Credit is a significant insurance rating element. Car insurance prices are often higher for drivers with a spotty credit history than for those with excellent credit. Drivers in Clarksville may save up to 63% on their auto insurance if they raise their credit score from "Very Poor" (300–579) to "Exceptional" (800–850). One of the best ways to reduce auto insurance costs is to go from "Very Poor" to "Fair" credit.
Raising your credit score to "Fair" in Clarksville may enable you to save $698 on your insurance costs every six months. According to our statistics, 40% of Clarksville drivers have an average credit score (580-679).
| Credit Tier | Avg Annual Premium |
|---|---|
| Very Poor | $3,390 |
| Fair | $1,998 |
| Good | $1,560 |
| Very Good | $1,392 |
| Exceptional | $1,257 |
What Would Increase Your Car Insurance Rate In Clarksville?
Were you looking for cheap car insurance quotes in Clarksville, TN? Great choice! But before you jump in, it's important to understand what factors can inflate your premium. By being aware of these, you can make informed decisions and land the best rate for your needs.
Here's a breakdown of the key culprits that can send your Clarksville car insurance costs soaring:
Driving Record: Your Risky Business
Your driving history is a major factor insurance companies consider. Traffic violations, accidents, and DUIs are red flags that signal higher risk. A clean driving record, on the other hand, can lead to significant discounts. So, practice safe driving habits and avoid those tickets!
Age: Young Drivers Pay More
Sorry, young drivers, but statistics show you're more likely to be involved in accidents. This translates to higher insurance premiums. The good news? Rates typically decrease as you gain experience behind the wheel.
Location, Location, Location:
Where you live in Clarksville plays a role. Areas with higher crime rates or more accidents can lead to increased insurance costs.
Your Car: Not All Rides Are Created Equal
Luxury cars, sports cars, and high-performance vehicles typically cost more to insure due to their repair costs and potential for theft. Consider a fuel-efficient, safety-rated car for lower premiums.
Coverage Choices: How Much Protection Do You Need?
Comprehensive and collision coverage offer greater protection but comes at a higher cost. Liability insurance, the minimum required by Tennessee law, provides the least coverage but also carries the lowest premium.
Credit Score: It's Not Just About Loans
Believe it or not, your credit score can significantly impact your car insurance rate. A good credit score indicates financial responsibility, which translates to a lower risk profile for insurers.
Not Bundling Your Policies:
Many insurance companies offer discounts for bundling your car insurance with other policies, like homeowners or renters insurance. Consider bundling for potential savings. Ready to Find Cheap Car Insurance Quotes in Clarksville, TN? Now that you know the key factors affecting your car insurance rate, it's time to shop around for the best deal. Here are some resources to help you get started:
- Compare car insurance quotes online: Several online comparison tools allow you to get quotes from multiple companies in one place, making it easy to compare rates and coverage options.
- Contact local insurance agents: Local agents can provide personalized quotes and advice based on your specific situation.
- Consider usage-based insurance: Some companies offer pay-per-mile programs or telematics discounts based on your driving habits.
Auto Theft Statistics In Clarksville
Clarksville, TN, is a vibrant city with a higher-than-average auto theft rate. This can be a concern for car owners, not only for the safety of their vehicles but also for the potential impact on car insurance costs.
Unfortunately, data specific to Clarksville, TN, isn't readily available.
Accidents Statistics In Clarksville
Being aware of the accident statistics in your area helps you understand the risks you face as a driver and how they impact your car insurance costs. Here's a breakdown of accidents in Clarksville, TN, along with some resources to help you find affordable car insurance:
| Accident Category | Number of Accidents |
|---|---|
| Total Collisions (2021)* | 7,220 |
| Injury-Causing Crashes (2021)* | Not Available |
Data for 2022 might not be readily available yet. The 2021 numbers above are the most recent publicly available statistics.
Useful Info For Driving in Clarksville
Clarksville, the "Queen City" of Tennessee, offers a vibrant mix of history, culture, and outdoor adventure. But before you cruise down its scenic highways, brush up on some essential driving information to ensure a smooth and safe ride.
- Driver's License: Make sure your driver's license is valid and up-to-date. To renew or obtain a license, visit the Tennessee Department of Safety website (https://www.tn.gov/safety/driver-services/online.html) or your local Driver Services Center.
- Vehicle Registration: Ensure your vehicle registration is current. You can renew online or by mail through the Tennessee Department of Revenue (https://www.tn.gov/revenue.html).
Insurance Requirements
- Minimum Coverage: Tennessee requires all drivers to carry minimum liability insurance.
- Bodily Injury Liability (per person): $25,000
- Bodily Injury Liability (per accident): $50,000
- Property Damage Liability: $25,000
- Getting Quotes: To find the best coverage at an affordable price, compare quotes from multiple insurance providers. Local insurance agencies can offer personalized quotes and advice specific to Clarksville.
Traffic Laws and Safety
- Speed Limits: Pay attention to posted speed limits, which vary throughout the city.
- Seat Belts: Tennessee has a mandatory seat belt law for all occupants in the vehicle.
- DUI: Driving under the influence is strictly enforced. Never drink and drive.
- Distracted Driving: Texting while driving is illegal in Tennessee. Put your phone away and focus on the road.
- Yielding to Pedestrians: Be aware of pedestrians and yield the right of way when crossing crosswalks or at intersections.
Parking
- On-Street Parking: Many streets in downtown Clarksville have metered parking. Pay attention to signage for time limits and fees.
- Parking Garages: Several parking garages offer convenient options for longer stays, particularly in downtown areas.
- Private Lots: Some businesses have private parking lots with designated customer parking.
Bonus Tips
- Familiarize Yourself with the Area: If you're new to Clarksville, take some time to get acquainted with the city's layout before venturing out.
- Be Prepared for Traffic: Clarksville experiences moderate traffic congestion, especially during peak hours. Allow extra time for your commute.
- Weather Conditions: Tennessee weather can be unpredictable. Be prepared for rain, fog, or sudden temperature changes.
By following these tips and staying informed, you'll be well on your way to a safe and enjoyable driving experience in Clarksville, TN. Remember, shopping around for car insurance quotes is key to finding the best deal. Don't settle for the first quote you receive!
Car Insurance Companies in Clarksville
| Company Name | Local Agency Presence (if known) |
|---|---|
| Nationwide | Likely has agents in Clarksville |
| State Farm | State Farm® Insurance Quotes in Clarksville, TN |
| Progressive | Likely has agents in Clarksville |
| USAA | Only available to military members, veterans, and their families |
| Allstate | Likely has agents in Clarksville |
| American Casualty Insurance | Yancey's Insurance & Business (937-277-4963) |
| Clarksville Insurance Agency | 2859 Fort Campbell Blvd, Clarksville, TN 47140 (931-431-4551) |
| Augustine Insurance | 111 N Riverside Dr, Clarksville, TN 37040 (931-503-0015) |
| Direct Auto Insurance | 1498 Madison St D, Clarksville, TN 37040 (931-552-4494) |
INSURANCE AGENT EXPERTS
Auto Insurance Data Methodology
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
DATA SOURCES
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