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Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

Ross h…

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Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

How much does car insurance cost in Clarksville?

Car insurance costs an average of $769 for six months in Clarksville. That's less than the statewide average in Tennessee ($785) and less expensive than the national average of $880. Keep reading to learn more about how much you can expect to pay based on age, credit score, and other factors in Clarksville. Read on to learn more!


Car insurance in Clarksville vs. Tennessee Average 6 Mo. Premium
Clarksville average $769
Tennessee average $785

The Zebra's key takeaways about car insurance in Clarksville:

  • The average cost of a car insurance policy in Clarksville is $405 per six-month policy — $67 per month.
  • The cheapest company in Clarksville is GEICO ($523).
  • 34% of Zebra customers in Clarksville stated they used our product because they were paying too much for car insurance with their current provider.

Are you paying too much for auto insurance?

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Clarksville car 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. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.

Cheapest car insurance companies in Clarksville, TN
Company Avg. 6 Mo. Premium
GEICO $405
USAA $470
State Farm $542
Erie $591
Tennessee Farmers $639

The Zebra’s auto insurance data methodology

The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.

The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.

For a comprehensive understanding, see our detailed methodology.

Shop around for the best rates

The only way to know which company has the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in Clarksville.

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Clarksville auto insurance rates by age

Our data shows that drivers between the ages of 20-29 make up 46% of Clarksville drivers. The age group that enjoys the lowest auto insurance rates in Clarksville are drivers in their 50s, who pay an average of $633 per six-month policy. Drivers in their 60s pay marginally higher rates ($644 for six months).

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 auto insurance costs by age
Age bracket Avg. 6 Mo. Premium
Teenagers $3,083
20s $1,046
30s $748
40s $671
50s $633
60s $644
70s $781

Clarksville car insurance rates by credit score

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 $698 in savings on insurance premiums every six months. Our data tells us 40% of drivers in Clarksville have a credit score of average (580-679). 

credit score
Clarksville auto insurance costs by credit level
Credit Tier Avg. 6 Mo. Premium
Very Poor $1,686
Fair $988
Good $769
Very Good $686
Exceptional $617

Clarksville car insurance rates by violation

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 $707 per year in insurance premiums.

Clarksville auto insurance rates after a violation
Incident Avg. 6 Mo. Premium
DUI/DWI $1,123
Reckless Driving $1,182
At-fault Accident (damages less than $1,000) $1,015
At-fault Accident (damages greater than $2,000) $1,092
Speeding Ticket (16-20 mph over speed limit) $935

Compare over 100 insurance companies at once!

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.