Average Cost of Car Insurance in Clarksville, TN, is $1,113

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The average cost of auto insurance in Clarksville, TN, according to Zimlon, is $1,113. This is much lower than the average cost of auto insurance in neighboring places such as Oak Grove, Oak Grove-Pembroke, Fort Campbell, Pembroke, and Montgomery County. Residents of Clarksville can improve savings by comparing multiple auto insurance quotes. Auto insurance depends on numerous factors ranging from the make and model of the vehicle to the driver’s age.

Insurance Requirements in Tennessee:

  • Bodily injury liability: $25,000 per person and $50,000 per accident.

  • Property damage liability: $15,000 per accident.

  • Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident.

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Demographics:

The cost of auto insurance depends on the age and gender of the driver. Women are generally considered to be safe drivers, making auto insurance cheaper for them. As the above infographic indicates, auto insurance is the most affordable for drivers who are in their fifties ($981) and sixties ($995). Auto insurance is expensive for teenagers since they lack driving experience. The average cost of auto insurance for teenagers in Clarksville is $3,611.

Neighborhood:

The neighborhood one lives in Clarksville can also have an impact on the cost of auto insurance. Zimlon offers the option of keying in one’s zip code to get accurate auto insurance quotes from multiple auto insurance companies. Depending on several factors like the make and model of the vehicle and the rate of auto thefts in the neighborhood, the price can vary within the city. 

Driving Record:

The driving record of car owners also has a direct impact on the cost of auto insurance. Getting charged for offenses such as DUI and driving without a proper license can have a long-term impact on Clarksville’s cost of auto insurance. Post-DUI, the average cost of auto insurance increases to $1,994. Getting charged for driving without a proper license can lead to an increase of $750.

Deductible:

Deductibles are among the most common factors affecting the rate of auto insurance in the country, and Clarksville is no different. A higher deductible leads to a decrease in the cost of auto insurance, while a low deductible can lead to an increase. The average cost of auto insurance at a lower deductible ($500) is $1,824. This goes down to $1,541 when the deductible is higher ($1,000).

Credit Score:

A healthy credit score will also determine the cost of one’s auto insurance. Possessing an “exceptional” ($955) or “good” ($1,160) credit score will reduce the cost of auto insurance for the car owner, while a “poor” ($1,815) credit score can lead to a substantial increase.