Clarksville Car Insurance

The Zebra
May 30, 2018

Car Insurance in Clarksville

Premiums in Clarksville are relatively equivalent to Tennessee's rates, as its premiums are within $16 of the state average. Let’s go over some ways to save on car insurance in Clarksville.

  • City Average: $1,299
  • State Average: $1,315
  • National Average: $1,427

Clarksville Car Insurance by Credit Rating

Improving your credit can save you a good sum of money. Those in the bottom credit tier (300-579) typically pay $1,556 more each year for car insurance than those in the top credit tier (800-850). The most notable benefit of better credit occurs when upgrading from Very Poor (300-579) to Fair (580-669), by which drivers can save approximately $351 per year.

  • Very Poor: $2,670
  • Fair: $2,143
  • Good: $1,723
  • Very Good: $1,372
  • Exceptional: $1,114

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Clarksville Car Insurance by Gender and Marital Status

Car insurance premiums in Clarksville are impacted by gender and marital status. Premiums are cheaper for women than for men. Women normally pay 2% less than men every year for insurance. You spend close to $80 more per year if you're single as opposed to married. Rates for those who are widowed are marginally cheaper than rates for those who are single.

  • Female: $1,279
  • Male: $1,299
  • Single: $1,299
  • Married: $1,220
  • Divorced: $1,299
  • Widowed: $1,282

Clarksville Car Insurance by Accident or Violation History

Being knowledgable about which driving mishaps can make the expense of insurance premiums spike will help you make better decisions and save money. Being at-fault in an accident costs drivers an extra $478 per year in premiums compared to the city average. $612 is the extra cost per year for drivers with a DUI in Clarksville, compared to the city average of $1,299. Reckless driving will drive your rates up as well, with typical rates of $1,850. That is 42% higher than the city average.

  • DUI: $1,911
  • Reckless Driving: $1,850
  • At-fault Accident (damages less than $1000): $1,777
  • At-fault Accident (damages greater than $2000): $1,777
  • Speeding Ticket (16-20 mph over speed limit): $1,542

Clarksville Car Insurance by Age

Drivers in their 50s save money on car insurance, as they have the lowest rates among all age groups, paying only $1,116 annually. Those in their 60s ($1,137) aren’t paying significantly more. Car insurance premiums are highest for teenage drivers, with typical payments of $5,633 per year. The most significant fall in premiums between any age group is from the teenage age bracket to the 20s, as drivers in Clarksville start saving an average of 68% on car insurance. The first time drivers can anticipate their age to trigger an increase in insurance rates is when they turn 60.

  • Teenagers: $5,633
  • 20s: $1,804
  • 30s: $1,273
  • 40s: $1,175
  • 50s: $1,116
  • 60s: $1,137
  • 70s: $1,386