Car insurance costs an average of $128 per month in Clarksville. If you're paying too much, compare rates and find an affordable policy.
Why you can trust The Zebra
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.
|Clarksville Average (annual)||Tennessee Average||National Average|
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.
|Insurer||Average Yearly Rate|
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.
|Age bracket||Average Yearly Rate|
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.
|Marital Status/Gender||Average Yearly Rate|
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.
|Violation/Incident||Average Annual Rate|
|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|
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.
|Credit Tier||Average Yearly Rate|
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 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.