Clarksville, Tennessee drivers rank 47th in the nation out of 200 cities for safe driving and go about 10 years between auto insurance claims on average, according to Allstate’s 2019 America’s Best Drivers Report. For practicing safe driving habits, drivers may be rewarded with cheaper car insurance coverage. Both Geico and Grange stand out on our list for offering the best car insurance at a low cost, but Bankrate also reviewed five popular providers that have cheap premiums in the area.
With annual averages of $300 and $1,288 for minimum and full coverage, respectively, the average cost of car insurance in Clarksville is cheap compared to the national average, which is $1,674 a year for full coverage and $565 a year for minimum coverage. However, drivers in the city can take a few steps to get insurance that is even more affordable.
As part of Bankrate’s mission to make the insurance buying process easy and accessible for all drivers, our insurance editorial team assessed 2021 rates from the city’s top providers (by market share) to find some of the cheapest options. We further narrowed down the selection by comparing policy offerings and industry-trusted third-party scores to determine the best, cheap car insurance in Clarksville.
Best cheap car insurance companies in Clarksville
In partnership with Quadrant Information Services, our team is able to provide up-to-date average quoted premiums for insurance companies in Clarksville. Geico offers the cheapest coverage in the area on average, potentially saving drivers $326 annually for full coverage compared to the average city rate, based on premiums reviewed. However, price is only one factor to consider in finding the best and cheapest car insurance.
In addition to average premiums, we analyzed scores from key third-party agencies, such as the 2021 J.D. Power Auto Insurance Study and AM Best. The following table illustrates the five best, cheap car insurance companies in Clarksville based on affordability, coverage options, available discounts and average customer satisfaction:
|Insurance company||J.D. Power score (Southeast region)||Average annual premium for minimum coverage||Average annual premium for full coverage|
*USAA is considered rank-ineligible due to membership restrictions to military service members and their family.
Geico offers Clarksville drivers the lowest average car insurance rates in the city on our list, featuring staple coverage and a broad range of savings opportunities that could make its already-low rates even more affordable. The insurance provider offers coverage options for uninsured or underinsured motorists, emergency road service, rental reimbursement and mechanical breakdown. Geico also provides an impressive range of discounts for policyholders, including for vehicle safety equipment, driving history and habits, driver’s education, driver affiliations and customer loyalty.
Learn more: Geico Insurance review
A close second to Geico’s affordability, Grange also offers insurance cost savings for multi-policy, safety technology, loyalty and getting a quote in advance of your current policy ending. Grange also offers add-on coverage options similar to Geico, plus identity theft protection, original equipment manufacturer coverage, mobile device coverage, gap insurance and full glass repair.
Although Grange is not included in rankings for customer satisfaction within the Southeast region, it has an A (Excellent) AM Best financial strength rating, contributing to why it is considered one of the best providers in Clarksville. With a Grange policy, strong financials can be an indication that policyholders do not have to sacrifice reliable claims processing for affordability.
Learn more: Grange Insurance review
If you are a veteran or active military member living in Clarksville, USAA offers an excellent auto insurance option. In addition to average premiums being lower than the regional average, USAA provides optional add-on coverages to policyholders, such as roadside assistance and rideshare coverage. The company also has military-specific discounts that can be used while on deployment, including one for storing a vehicle on base. While USAA is not rank-eligible according to J.D. Power study award criteria, the company still boasts an impressive score of 890 out of 1,000 points for its customer satisfaction.
Learn more: USAA Insurance review
Not only is Nationwide one of the most affordable car insurance companies in Clarksville, but it also offers an impressive range of auto insurance coverage options. Included among the company’s add-on or policy customization options are towing and labor coverage, gap insurance, accident forgiveness and a total loss deductible waiver. In terms of savings, one of the easiest discounts to qualify for is the paperless discount, which could save you money each payment cycle by opting for fully digital policy management. And to ensure your coverage elections remain the best options for you and your needs, Nationwide offers a free annual consultation with an insurance professional to review your policy.
Learn more: Nationwide Insurance review
Falling just below the regional average cost of car insurance, Travelers also provides several discounts including for owning a home, being a safe driver, having continuous insurance and insuring a hybrid or electric vehicle. Travelers makes policies personalizable with add-on coverage options such as rideshare and new car replacement.
Travelers also earns an A++ (Superior) financial strength rating, the highest grade according AM Best’s scale. Its strong financial foundation lends additional confidence to policyholders in need of reliable claim payouts following costly covered accidents.
Learn more: Travelers Insurance review
Cheapest car insurance in Clarksville
Geico offers Clarksville residents one of the cheapest car insurance policies on average, at $238 per year for minimum coverage and $962 per year for full coverage. Comparatively, in Tennessee, the state average cost of car insurance is $371 annually for minimum coverage and $1,338 annually for full coverage. Compared to the national average annual rates of $564 for minimum coverage and $1,674 for full coverage, Clarksville is also very competitive. However, quotes can vary widely by insurer, so comparing quotes is the best way for Clarksville divers to find the cheapest car insurance rates.
The following table identifies the cheapest car insurance rates from the most popular carriers in the region based on market share. Not surprisingly, the best companies reviewed also offer some of the most competitive rates.
|Insurance company||Average annual premium for minimum coverage||Average annual premium for full coverage|
One standout company of note on this list is Erie. In terms of coverage, Erie has plenty to offer from pet coverage and roadside assistance to personal item coverage and locksmith services. However, where Erie truly shines is in the fact that these coverages come standard rather than being offered as options, as is the case with most other auto insurers. Additionally, the company offers the Erie Rate Lock, which prevents your insurance rate from increasing over time unless you make changes to your policy.
Erie ranks as the second most popular provider in the Southeast region, with a 2021 J.D. Power customer satisfaction score of 874 out of 1,000 points. Moreover, the company’s NAIC Company Complaint Index score of .77 falls below the industry average of 1.0.
While Erie is competitive in its offerings for standard and optional coverage, Erie is similar to USAA in that its policies are limited in availability. Although its coverage is not limited to membership eligibility, Erie is only available in 12 U.S. states, including Tennessee. Based on quoted annual premiums, drivers seeking cheap full coverage may find options like Geico, Nationwide and Travelers to be more budget-friendly. However, comparing rates from multiple providers is the only way to know for sure which insurer can offer you the lowest rate.
Clarksville insurance requirements
Each state provides specific requirements on the amount of auto insurance each driver must have in order to legally drive in the state. In Tennessee, drivers must have 25/50/15 minimum insurance coverage, which includes:
- $25,000 of liability coverage for bodily injury of one person per accident
- $50,000 of liability coverage for total bodily injury per accident
- $15,000 of liability coverage for property damage per accident
Minimum liability coverage is used to pay for medical expenses, property damage and other costs associated with driver, passenger and pedestrian injuries caused by an auto accident. However, this coverage is only extended up to the specific coverage limits and may not cover the full financial extent of accident-related losses or be used for things like rental car reimbursement or roadside assistance.
For this reason, many insurance experts recommend that drivers carry more than the state’s minimum required insurance coverage. In the case that you are financing a vehicle, full coverage might also be required by the lender.
Car insurance discounts in clarksville
Clarksville drivers can typically further reduce their premiums by taking advantage of available discounts. While discounts will vary by company, some of those most common savings can be found through discounts like:
- Safe driver: Typically, safe driving discounts are applied if the policyholder has a clear driving history, meaning they have had no traffic violations or reported accidents in at least five years.
- Multi-policy: By bundling car insurance with homeowners insurance or another kind of policy, Clarksville drivers can often save additional money on their premiums for both policies.
- Safety equipment: If your car is equipped with certain safety devices, such as theft alarms, you may be eligible for discounts through your insurer. To figure out which safety features are eligible for discounts through your carrier, speak with your provider, as each company could offer different discounts for different equipment.
- Good student: Younger drivers still in high school or college may be eligible for the good student discount if they provide their transcript to the insurance carrier and have at least a B-average (depending on the insurer).
Each insurance carrier applies discounts differently, so it is important to ask what the eligibility requirements are and what discounts are available through your selected carrier in the first place. The more discounts you are able to redeem, the more of an impact it could have on your monthly premium in terms of affordability.
Frequently asked questions
What is the best car insurance company?
The best car insurance company largely depends on your specific coverage needs, budget, discount eligibility and desire for strong customer service. Bankrate’s review included five standout providers in terms of those offering a great balance of affordability, customer satisfaction and breadth of coverage for Clarksville drivers, but you could consider a multitude of other companies based on your criteria.
How much does car insurance in Clarksville cost?
The average cost of car insurance in Clarksville is $390 annually for minimum coverage and $1,288 annually for full coverage, based on quoted premiums. However, residents might find rates even lower depending on which insurance carrier they select and their personal driving record. By comparing quotes from multiple providers based on the same amounts of coverage, determining which providers offer the lowest cost for your desired coverage can be relatively simple.
How much car insurance do I need in Clarksville?
According to state requirements, Clarksville drivers must have minimum coverage of 25/50/15, which offers protections for medical liability and property damage. However, as a more serious accident may call for more extensive coverage, carrying the minimum insurance could leave you with costs that exceed your coverage limits. For this reason, full coverage options including comprehensive and collision coverage are typically recommended by insurance professionals.
How does an at-fault claim affect my insurance in Clarksville?
Although insurance rates can rise regardless of fault, at-fault claims tend to have more of a significant impact on premiums. In Tennessee, having one at-fault accident on your record could raise your premium to $1,854 annually for full coverage, which is $566 more than the average cost of car insurance in Clarksville. However, insurance spikes are not permanent and generally only last as long as the incident remains on your driving record.
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base) and at-fault accident.