Clarksville, TN Car Insurance

Car insurance costs an average of $128 per month in Clarksville. If you're paying too much, compare rates and find an affordable policy.

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What is the average cost of car insurance in Clarksville?

 

Car insurance costs an average of $1,539 per year in Clarksville, Tennessee. That's less than the statewide average in Tennessee ($1,570) and less expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score and other factors in Clarksville.

 
CAR INSURANCE RATES IN CLARKSVILLE
Clarksville Average (annual)Tennessee AverageNational Average
$1,539$1,570$1,548
 
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Clarksville auto insurance rates by company

 

The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the provider from which you receive the most affordable quote. In Clarksville, GEICO offers the cheapest rates for the average insurance customer. We've gathered the best cheap car insurance companies in Clarksville below.

You should only use this list as a starting point: it's important to compare quotes specific to your unique driving profile.

 
CLARKSVILLE CAR INSURANCE RATES BY COMPANY
InsurerAverage Yearly Rate
GEICO$810
USAA$940
State Farm$1,085
Erie$1,182
Tennessee Farmers$1,279
 

Learn how to find the best cheap car insurance.

 

Clarksville car insurance costs by driver age

The age group that enjoys the lowest auto insurance rates in Clarksville are drivers in their 50s, who pay an average of $1,266 per year. Drivers in their 60s pay marginally higher rates ($1,289 per year).

Teenage drivers pay Clarksville's most expensive insurance rates. When drivers hit their 20s in Clarksville and move out of the teenage age bracket, they reduce their premiums substantially. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in Clarksville is $4,073, the largest such difference between any two age groups.

 
CLARKSVILLE CAR INSURANCE PREMIUMS BY DRIVER AGE
Age bracketAverage Yearly Rate
Teenagers$6,166
20s$2,093
30s$1,496
40s$1,342
50s$1,266
60s$1,289
70s$1,563

 

Learn more about the impact of age on car insurance premiums.

 

Clarksville car insurance rates by marital status and gender

 

In some cases, a driver's marital status and gender may affect their car insurance rates. Married drivers usually pay less for car insurance than their single counterparts. In Clarksville, married motorists pay $119 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Clarksville, widowed drivers pay less than those who are single.

Gender is another factor that can affect auto insurance rates. In Clarksville, male drivers pay $42 more each year for car insurance than do female drivers.

 
CLARKSVILLE AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Yearly Rate
Female$1,498
Male$1,539
Single$1,420
Married$1,420
Divorced$1,543
Widowed$1,500
 

Learn more about the relationship between gender and insurance rates

 

Clarksville auto insurance premiums by incident history

 

Maintaining a clean driving record is an effective way to minimize your insurance rates. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.

Clarksville drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $824 per year versus the city average. A ticket for speeding results in a $331 rate hike, on average, while a DUI violation costs $707per year in insurance premiums.

 
AVERAGE CLARKSVILLE INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/IncidentAverage Annual Rate
DUI/DWI$2,246
Reckless Driving$2,364
At-fault Accident (damages less than $1,000)$2,030
At-fault Accident (damages greater than $2,000)$2,185
Speeding Ticket (16-20 mph over speed limit)$1,870
 

Learn more about the impact of driving violations on car insurance rates.

 

Clarksville auto insurance costs by credit level

 

An important insurance rating factor is credit. Drivers with checkered credit histories typically face higher car insurance rates than do drivers with good credit. Clarksville drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 63% on their auto insurance premiums. Moving from "Very Poor" to "Fair" credit is a great way to save money on car insurance. In Clarksville, improving your credit to "Fair" could help you earn $1,397 in savings on insurance premiums each year.

 
CLARKSVILLE CAR INSURANCE PREMIUMS BY CREDIT TIER
Credit TierAverage Yearly Rate
Very Poor$3,373
Fair$1,976
Good$1,539
Very Good$1,372
Exceptional$1,234

Find a cheap policy today.

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Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a master's degree from Royal Holloway, University of London. He has been quoted by CNET, iDriveSafely.com, and Kin Insurance.