Clarksville Auto Insurance Rates, Quotes, Agents & Reviews in TN

Clarksville, TN Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Clarksville, TN, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Clarksville, TN are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Clarksville, TN Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Clarksville, TN with that of other cities in and around Clarksville.

Clarksville Oak Grove Oak Grove-Pembroke Fort Campbell Pembroke Montgomery County
Average Insurance Rates $1,113 $1,909 $1,932 $2,142 $1,919 $1,457

Clarksville, TN Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Clarksville, TN based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Clarksville $1,824 $1,541
Montgomery County $1,108 $936
Oak Grove $1,089 $920
Fort Campbell North $2,178 $1,840
Fort Campbell $2,206 $1,864
Trenton $1,325 $1,119
Oak Grove-Pembroke $1,485 $1,255
Pembroke $1,463 $1,235

Clarksville, TN Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Clarksville, TN usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $3,611
20 Years $1,430
30 Years $1,101
40 Years $1,060
50 Years $981
60 Years $995
70 Years $1,158

Clarksville, TN Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Clarksville, TN can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $1,914 $312
3 Vehicles $2,872 $467
4 Vehicles $3,829 $623

Savings on 2 Vehicles bundle:$312

Savings on 3 Vehicles bundle:$467

Savings on 4 Vehicles bundle:$623


Clarksville, TN Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Clarksville, TN.

Location Average Insurance Cost Post DUI Insurance Rate
Clarksville $1,113 $1,994
Montgomery County $1,457 $2,610
Oak Grove $1,909 $3,178
Fort Campbell North $2,115 $3,521
Fort Campbell $2,142 $3,566
Trenton $1,941 $3,232
Oak Grove-Pembroke $1,932 $3,217
Pembroke $1,919 $3,195

Clarksville, TN Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $955
Excellent (740-799) $1,090
Good (670-739) $1,160
Average (580-669) $1,513
Poor (300-579) $1,815

Clarksville, TN Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Epic Insurance Group Llc Liberty Mutual Independent 1869 MADISON ST, CLARKSVILLE, 37043 931-542-9388
Steve Ray State Farm 3379 Highway 41A S, Clarksville, 37043-6244 931-358-2223
Scott Bryant State Farm 1810 Madison St, Clarksville, 37043-4904 931-648-3071
Judy L Whelan Insurance Travelers 130 HILLCREST DR. SUITE 301, CLARKSVILLE, 37043 931-647-3900
Michael Freemyer State Farm 1273 Northfield Dr Ste 2, Clarksville, 37040-6184 931-436-2105
Middle Tn Property & Casualty Co Llc Travelers 1379 ASHLAND CITY RD STE C, CLARKSVILLE, 37040 931-645-4651
Insuranceplus3 Com Travelers 301 EZELL PIKE UNIT 17751, NASHVILLE, 37217 615-678-7756
Barbara Stewart State Farm Bldg 2 3055 Lebanon Pike Ste 2103, Nashville, 37214-2240 615-391-5300
Johnston & Associates Insurance Erie 7003 Chadwick Drive Suite 298, Brentwood, 37027 None
Bandy Van Cleave & Williamson Travelers 116 20TH AVE S, NASHVILLE, 37203 615-320-0294
Clifford White Farmers 540 Heritage Pt Ste B, Clarksville, 37042 (931) 906-2199
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Clarksville, TN Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$49 $1,162
Driver's Failure In Showing Documents +$108 $1,221
Driving With An Expired Registration +$115 $1,228
Driving At A Considerably Slow Pace +$242 $1,355
Using A Cellphone While Driving +$255 $1,368
Running A Red Light +$259 $1,372
Speeding +$273 $1,386
Driving A Vehicle Without The Required Permission +$346 $1,459
Driving With An Expired/Suspended License +$750 $1,863

Clarksville, TN Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,068
Active Disabling Device $1,068
Tracking Device $1,046
Passive Disabling Device $1,035

Latest Auto Insurance Reviews in Clarksville, TN | Back to Top

State Farm
If you wanna customize your insurance. If you want to bundle your insurance with rental insurance. If you want to save money. I would recommend giving State Farm a try.
Farm Bureau
We have our car insurance and home insurance with the same company. They are awesome and do a great job all around!
Erie Insurance
they are great at helping and improving and wanting what is best for me.
Allstate
I do everything online so I have very little interaction with customer service. The one claim I had a few years ago, customer service was very easy to work with.
Allstate
I have not compared the premium and the deductible of my insurance company with others, but if I can say that it is excellent, it is very comfortable for me it makes me feel comfortable, calm and safe.
Liberty Mutual
wall my premium and deductible are not what I would prefer, that is because of my credit score and as I improve my credit score my premium and deductible will improve.
Aaa
AAA has some of the best terms for car insurance the rates are more than comparable to other insurance companies.I have checked with other companies and they suggest I am getting a good rate.
Aaa
AAA has some of the best terms for car insurance the rates are more than comparable to other insurance companies.I have checked with other companies and they suggest I am getting a good rate.
Esurance
I don't like they are still so expensive, even with just having basic insurance with no coverage. It seems like it shouldn't be so expensive for not covering anything.
Progressive
all the accessibility, interaction and customer support that they gave us is great.
Travelers
the company has a 24 hour claims line and easily accessible customer service. i can also call my agent when I want to. I have no complaints in this area
Progressive
I only have insurance because it is the law. So it is fine for keeping me from getting into trouble.
Haulers Insurance
I wish that my insurance company would have direct contact with me instead of going through an independent agent. The agent over our policy isn't great.
State Farm
Our company offers a local spot where I can adjust things. They know me by name and not by number.