Cheapest Auto Insurance in Clarksville, Tennessee (2025)
Mile Auto offers the cheapest car insurance in Clarksville, with minimum-coverage policies as low as $45 per month.
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Located along Interstate 24 at the Kentucky and Tennessee border, Clarksville is one of Tennessee’s oldest cities. Clarksville drivers pay an overall average of $114 per month for car insurance — slightly higher than the statewide average of $103 per month but lower than the nationwide monthly average of $144.
Home to more than 170,000 people, Clarksville is the fifth-largest city in the state, which could partly explain its higher rates.
Here’s how to find low rates in Clarksville and secure the best car insurance for you.
3 of the cheapest car insurance companies in Clarksville
Finding the cheapest car insurance in Clarksville will depend on factors like your age, driving history, and coverage needs. State Farm, GEICO, and Mile Auto are three of the area’s most affordable insurers. While you may ultimately choose a different insurance company, it doesn’t hurt to start your search with these three.
Best insurer for low rates: State Farm
Best insurer for drivers with an accident: GEICO
Best insurer for young drivers: Mile Auto
How to get the cheapest car insurance in Clarksville
Finding the cheapest car insurance in Clarksville will depend on many factors, including your driving record, age, ZIP code, and credit. While many of the deciding factors are out of your control, you can do some things to get the cheapest car insurance policy for your situation:
Avoid violations. Practice safe driving habits so you can avoid violations like speeding tickets and other infractions. In doing so, you’ll naturally avoid at-fault accidents and maintain a clean driving record.
Improve your credit score. Car insurance companies in Tennessee can use your credit history to determine the likelihood that you’ll file a claim, so it’s important to maintain a good credit score to keep your rates lower.
Ask about discounts. Insurers offer several types of discounts, from bundling coverage and multi-policy discounts to having a vehicle with certain anti-theft protection or driving safely. Be sure to ask about which discounts you may qualify for.
Shop around and compare quotes. Shop around and compare quotes from at least three different insurers to make sure you’re getting the best price. You can talk to insurance agents or get a quote online.
Cheapest liability-only car insurance in Clarksville: Mile Auto
Liability-only car insurance is the most basic type of coverage, so it usually costs less. Liability insurance only covers the other person’s vehicle after an accident and their medical expenses through the bodily injury portion of your liability insurance.
If you drive an older car and can afford to pay for repairs out of pocket, liability insurance may make sense. If you’re just looking for basic coverage to avoid paying fees or penalties for not meeting your state’s minimum insurance requirements, it may be a good idea to start with liability coverage.
The average rate for liability coverage in Clarksville is $79 per month. Here are some of the cheapest liability-only car insurance rates in Clarksville.
Cheapest full-coverage car insurance in Clarksville: Mile Auto
Full-coverage insurance includes liability coverage but also extends to cover damages to your vehicle or your medical expenses after an accident. Full coverage typically costs more, but it’s ideal if you want to protect your own vehicle. If you have a car loan or lease, your lender may require that you carry full-coverage insurance.
On average, Clarksville-based drivers pay $149 for full-coverage car insurance per month. Here are some of the cheapest full-coverage car insurance rates in Clarksville.
Car insurance requirements in Tennessee
Most states require drivers to have minimum or liability coverage insurance. In Tennessee, you must meet certain minimum-coverage limits or risk paying fines or losing your vehicle registration.1 Below are the minimum car insurance requirements for the state of Tennessee:
Depending on your needs, you may want to consider getting optional insurance coverage as well, including:
Cheapest car insurance for Clarksville drivers with an incident
An incident, such as a speeding ticket, at-fault accident, or driving under the influence, shows insurers you present an increased risk.
As a result, insurance companies tend to charge higher rates when you have infractions on your record. If you’re wondering how much your rates could increase with an incident on your record, here are some updated quotes from insurers serving the Clarksville area.
Cheapest car insurance for drivers with a speeding ticket: Mile Auto
Receiving a speeding ticket in Tennessee is a traffic violation that adds points to your driving record. Different types of speeding violations exist, such as speeding in a construction zone or reckless driving. But regardless of the violation type, a speeding ticket can raise your car insurance rates.2
Clarksville drivers with a speeding ticket pay an average of $194 per month for full coverage. Here are some monthly quotes for insurers in Clarksville that offer the best deal when you have a speeding ticket on your record.
Cheapest car insurance for drivers with an at-fault accident: Mile Auto
No one wants to be involved in an accident, but if you’re in an at-fault accident, it can raise your insurance rates significantly. An accident can also stay on your driving record for three to five years, so you may see increased rates for a while.3 But it’s always important to compare quotes to see what you actually could be paying and what different insurers offer.
The average rate for full-coverage insurance with an accident on your record in Clarksville is $197 per month. Here are some monthly rates from Clarksville insurers when you have an at-fault accident on your record.
Cheapest car insurance for drivers with a DUI: Mile Auto
A violation for driving under the influence of alcohol or drugs is a serious crime that can result in the loss of your license in Tennessee. Insurers also see a DUI as serious, and obtaining car insurance after a DUI will cost you more money. But you still have some options.
The average monthly cost of full-coverage car insurance in Clarksville for drivers with a DUI conviction is $193. Here are some of the monthly rates insurers are offering Clarksville drivers who have a DUI on their record.
Cheapest car insurance for seniors: Mile Auto
Car insurance rates can increase for seniors as well as young drivers since insurers view these age groups at a greater risk to insure. But seniors can still find cheap insurance rates by keeping a clean driving record and taking advantage of discounts.
Some insurers offer specific discounts for seniors or usage-based coverage, allowing you to lower your premium by driving fewer miles per year. For Clarksville seniors, the overall average monthly cost for car insurance is $96. Here are some of the best monthly insurance quotes for seniors in Clarksville.
Cheapest car insurance for teens: Mile Auto
Teens and young drivers also pay higher car insurance rates because insurers find that young adults under age 25 are more likely to get into an accident, and this raises the company’s financial risk. Teen drivers in Clarksville pay an overall average of $229 per month for car insurance.
But if you’re a young driver, you still have some ways to save on your insurance premiums.
Start by inquiring about a discount if you’re a student and have at least a 3.0 GPA. You’ll likely need to submit your grades for verification, but it could be worth the savings. Other insurers also offer discounts to teens who complete a driver safety course. And if you’re a college student who won’t be driving during the semester, see if your insurance company can provide a discount based on this. Finally, young drivers may also be able to save by remaining on their parents’ insurance for a while, if it makes sense.
Here are some of the best monthly car insurance quotes for young drivers in Clarksville.
Clarksville car insurance quotes by credit tier
Many states, including Tennessee, allow insurers to use your credit history as a factor when determining your car insurance policy rates. Insurance companies use your credit history, in part, to predict the likelihood that you’ll file an insurance claim. This helps them assess risk.
An excellent credit score is considered anything above 720, and typically, the higher your credit score, the better chance you have of getting a lower insurance rate. If you have a lower credit score, you can always work to improve your credit and be mindful that insurers consider several other factors as well.
Here are the average monthly quotes in Clarksville based on your credit tier.
Is car insurance more expensive in Clarksville?
The average car insurance cost in Clarksville is $149 per month for full coverage, compared to the average cost for the state of Tennessee, which is $136 per month.
Sometimes, car insurance costs can be higher in cities with more traffic, an increased number of road accidents, higher crime rates, or higher car repair costs.
More cities in Tennessee
Here’s how the average monthly car insurance quote differs in other Tennessee cities compared to Clarksville.