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.

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

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.

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.

 

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.

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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

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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

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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

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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

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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

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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

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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
[	A	m, e, i	c

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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

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