Best Clarksville, Tennessee Auto Insurance in 2024 (Check Out the Top 10 Companies)

The best Clarksville, Tennessee auto insurance comes from American Family, Geico, and Allstate, with rates starting at $48 per month. Alongside cheap Tennessee auto insurance rates, these companies also offer great service and claims handling.

For the all-round package and service, American Family is the best and for finding cheap quotes, Geico is the best, and Allstate has good agent representation in the local area.

Our Top 10 Company Picks: Best Clarksville, Tennessee Auto Insurance

If you’re looking to lower your auto insurance premiums, enter your ZIP code into our free quote comparison tool above to compare your rates against the top insurers.

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#1 – American Family: Top Overall Pick

Pros

• Top-Tier Claims Handling in Clarksville: American Family’s A rating from A.M. Best translates to excellent claims service for Clarksville drivers, ensuring smooth processing.
• Competitive Local Pricing: American Family offers Clarksville residents affordable coverage. To find out more about their pricing, check our American Family auto insurance review.
• Substantial Bundling Savings: Clarksville homeowners can save up to 21% by combining their auto and home policies with American Family, offsetting the higher cost of living in this growing city.

Cons

• Limited Availability: American Family’s services may not be accessible to all Clarksville residents, potentially excluding some drivers in newer developments or outlying areas of the city.
• Higher Premiums for Some Drivers: Certain Clarksville demographics, such as younger drivers or those with less-than-perfect records, may face steeper premiums with American Family.

#2 – Geico: Best for Low Rates

Pros

• 24/7 Customer Service: Geico’s round-the-clock availability ensures Clarksville policyholders can get assistance at any time, which is crucial for a city with a high population of shift workers.
• Lowest Average Rates in Clarksville: Geico offers the most affordable average premiums for Clarksville drivers. Read Geico auto insurance review and learn how policies can save you money.
• Financial Strength: Geico’s A++ rating from A.M. Best assures Clarksville policyholders that the company can pay claims even after severe weather events cause widespread damage.

Cons

• High-Risk Drivers: Geico may charge Clarksville drivers with poor driving records more than other insurers, despite low average premiums.
• Claims Process: In a city prone to weather-related accidents and property damage, Clarksville policyholders may be frustrated with Geico’s claims process.

#3 – Allstate: Best for Local Support

Pros

• Strong local Support Network: Clarksville’s growing insurance needs require personalized service and local expertise from Allstate’s extensive network of agents.
• Accident Forgiveness Feature: This program helps Clarksville residents maintain rates after accidents on busy roads like Madison Street Learn more in our Allstate auto insurance review.
• Robust Mobile App: Allstate’s user-friendly app allows Clarksville customers to easily manage policies, file claims, and access roadside assistance while navigating the city’s expanding road network.

Cons

• Mixed Customer Service Reviews: While local agent support is strong, some Clarksville customers experience inconsistent service quality when dealing with Allstate’s centralized departments.
• Limited Discounts for Military Personnel: Fort Campbell’s large military population in Clarksville may make Allstate’s military discounts less competitive than those of specialized insurers.

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#4 – Nationwide: Best for SmartRide Tech

Pros

• Innovative SmartRide Technology: Personal discounts for Clarksville drivers are useful in a city with diverse traffic patterns. Find out more about this technology in our Nationwide auto insurance review.
• Vanishing Deductible Option: This program lets Clarksville drivers lower their deductible over time, saving money in a military-heavy city.
• Pet Injury Coverage: Included in collision coverage, this unique feature is valuable for Clarksville’s pet owners who frequently travel with their animals on the city’s expanding road network.

Cons

• Complex Policy Structures: Nationwide’s coverage options and policy terms may confuse Clarksville residents compared to competitors.
• Lower Bundling Discount: At 16%, Nationwide’s bundling discount for Clarksville homeowners is lower than some competitors, potentially limiting savings opportunities in this growing Tennessee city.

#5 – Progressive: Best for Snapshot Program

Pros

• Innovative Snapshot Program: Since Clarksville has a mix of military and civilian residents, drivers can receive personalized discounts based on their driving habits.
• Competitive Local Pricing: At $125/month, Progressive offers Clarksville residents affordable coverage that’s below the average rate for top providers in the area.
• Name Your Price tool: This unique feature helps budget-conscious Clarksville drivers find policies that fit their needs. Learn more in our Progressive auto insurance review.

Cons

• Potential for rate increases: Progressive’s unexpected premium hikes can be difficult in Clarksville’s military-influenced economy.
• Complex Coverage Options: Progressive may confuse Clarksville drivers with their policy structures and add-ons compared to competitors.

#6 – USAA: Best for Military Focus

Pros

• Comprehensive Military-Specific Benefits: USAA offers unique perks for Clarksville’s service members, such as coverage during deployment and discounts for garaging vehicles on base.
• Military Focus: USAA’s commitment to military service makes it ideal for Clarksville’s large Fort Campbell military population. For a closer look at these offerings, visit our USAA auto insurance review.
• Excellent Customer Service: USAA consistently ranks high in customer satisfaction, which is important for Clarksville’s military community with frequent deployments.

Cons

• Occasional Technology Issues: Sometimes USAA’s digital platforms have issues, which can be frustrating for Clarksville policyholders who use online services frequently.
• Fewer Local Offices: Clarksville residents seeking face-to-face interactions may find USAA’s limited physical presence in the area inconvenient compared to insurers with local agencies.

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#7 – Farmers: Best for Customizable Plans

Pros

• Comprehensive Rideshare Coverage:  Farmers provides specialized coverage for Clarksville rideshare drivers throughout their careers.
• Highly Customizable Plans: Clarksville drivers in this growing city have many coverage options and add-ons from Farmers. Discover more plans in our Farmers auto insurance review.
• Innovative Farmers Signal app: Clarksville residents can get insurance discounts for driving. This is particularly helpful in a city where traffic can change a lot because of the nearby military base.

Cons

• Fewer Eco-Friendly Vehicle Discounts: Despite Clarksville’s growing interest in green transportation, Farmers offers limited savings for hybrid or electric vehicle owners.
• Complex Claims Process for Weather-Related Damages: Given Clarksville’s susceptibility to severe weather, some policyholders find Farmers’ storm damage claims procedures cumbersome.

#8 – Travelers: Best for Bundling Policies

Pros

• Savings for Homeowners: Combining auto and home policies saves 24%, which is valuable in Clarksville’s growing housing market. Find out more in our Travelers auto insurance review.
• Coverage Options for Unique Clarksville Needs: From protecting military vehicles during deployment to covering Clarksville’s gig economy rideshare drivers, Travelers offers flexible policy customization.
• Early Quote Discounts for Proactive Residents: Those who obtain a quote before their current policy expires can enjoy additional savings, rewarding forward-thinking local drivers.

Cons

• Inconsistent Renewal Pricing: Some Clarksville policyholders report unexpected rate increases at renewal, even without changes in their driving record or coverage.
• Limited Clarksville-Specific Partnerships: Unlike some insurers with strong local ties, Travelers may offer fewer community-based discount programs or perks tailored to the Clarksville area.

#9 – State Farm: Best for Local Agents

Pros

• Excellent Local Support: State Farm has a solid network of local agents in Clarksville. They know the area well and provide a personal touch to the service for those who hold their policies.
• Banking Services Integration: Clarksville residents can combine their auto insurance with State Farm’s banking products for potential additional savings and convenience.
• Vehicle Rental Coverage: Clarksville drivers without cars due to accidents or repairs can continue to move around with this option. If you’re curious check out our State Farm auto insurance review.

Cons

• Fewer Unique Discounts: State Farm may offer a more limited range of specialty discounts compared to some competitors in the Clarksville market.
• Inconsistent Quote Experiences: Some Clarksville residents report receiving significantly different quotes online versus through local agents, which can be confusing.

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#10 – Liberty Mutual: Best for Add-on Coverages

Pros

• Vanishing Deductible Option: Clarksville drivers can reduce their deductible over time with safe driving, beneficial on the city’s diverse road types.
• Lifetime Repair Guarantee: Clarksville drivers can use Liberty Mutual’s approved repair shops after accidents. Take a look at our Liberty Mutual auto insurance review for more information.
• Better Car Replacement™: If your car is totaled, Liberty Mutual will replace it with a model year newer and 15,000 fewer miles, appealing in Clarksville’s car-dependent culture.

Cons

• Complex Claims Process for Multi-Vehicle Accidents: Clarksville policyholders involved in more complicated incidents, like multi-car pileups on I-24, may face a more challenging claims experience.
• Limited Coverage for Custom Parts: Clarksville’s auto enthusiasts may find Liberty Mutual’s coverage for aftermarket modifications less comprehensive than desired.

Monthly Clarksville, TN Car Insurance Rates by ZIP Code

The interactive map below is to find out how much auto insurance is based on your zip code. Click on a ZIP code below to learn more about monthly auto insurance rates in Clarksville, Tennessee:

Now you have an idea of how much auto insurance rates by ZIP code. Consider researching before moving in to get an idea how much it would affect your premiums.

Getting the Cheapest Auto Insurance in Clarksville, TN

Below, you will find the auto insurance providers in Clarksville, TN. You may wonder how their rates stack up against the average for Tennessee. We will address that, too.

Best Clarksville, Tennessee Auto Insurance Monthly Rates by Coverage Level

There are many different factors that affect your auto insurance rates. Your age, your gender, your credit history, and how you drive matter. In big cities, there’s more traffic and crime, and that changes the cost.

A full coverage auto insurance for one age group might not be the best for another, so comparing Clarksville, TN car insurance quotes by company and age is essential.

Car insurance for teens and young drivers will usually have the highest rates due to the risk they can bring in, so be sure to check what options you can get.

Your credit score matters in Clarksville, Tennessee when it comes to auto insurance. Unless you happen to be in California, Hawaii, or Massachusetts, where they do not allow that kind of discrimination. Find the best insurance companies for bad credit in Clarksville, Tennessee below.

Your driving record will affect your Clarksville auto insurance rates too. For example, auto insurance for drivers with a DUI may have higher rates by 40% to 50%.

Clarksville, Tennessee auto insurance costs depend on your daily drive, coverage level, tickets or DUIs, and credit score. Managing these risks can get you Clarksville’s cheapest car insurance.

Age matters, young drivers are seen as risky in Clarksville. Tennessee does use gender, and car insurance rates are higher for male drivers. You can see the average monthly rates by age and gender in Clarksville, TN.

These charts lay out your choices for auto insurance in Clarksville, TN. Look them over. See what fits your budget and what you can afford.

Clarksville has lower-than-average vehicle theft rates and medium traffic density, but faces moderate weather-related risks and a slightly higher rate of uninsured drivers. See the table below for more details:

Clarksville, Tennessee Report Card: Auto Insurance Premiums

The city also has moderate traffic and weather-related risks, impacting auto insurance. Key statistics reveal accident and claim rates, uninsured motorists, and vehicle theft rates.

Clarksville, Tennessee Auto Accident & Insurance Claim Statistics

Knowing Clarksville’s accident and insurance claim stats helps residents choose the best coverage to protect against the city’s specific risks.

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What Auto Insurance Coverage you Need in Clarksville, TN

In the United States, the majority of states, including Tennessee, have implemented laws that mandate drivers to maintain a certain level of automobile insurance coverage.

This requirement is designed to protect both drivers and the general public by ensuring that individuals have financial security in the event of an accident or other related incidents on the road.

• $25,000 per person and $50,000 per incident for bodily injury liability insurance
• $15,000 per incident for property damage
• $25,000 per person and $50,000 per incident for uninsured motorist coverage for bodily injury
• $15,000 per accident uninsured motorist property damage

These limits are very low and won’t cover damages from a major accident. This means you will be left paying out of pocket for damages. Don’t worry, check out the discounts available from top providers in Clarksville, TN so you can reduce your cost in getting the coverage required.

Auto Insurance Discounts From the Top Providers for Clarksville, Tennessee

Find the best auto insurance rates no matter how much coverage you need by entering your ZIP code below into our comparison tool today.

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