Clarksville households can compare auto coverage without the runaround through Freedom Insurance Group. Request a quote online or call (800) 253-1482.
Clarksville, Tennessee: average car insurance rates
For comparison only: these are illustrative estimates and averages, and none is a guaranteed quote. What you actually pay depend on drivers, vehicles, ZIP, coverage limits, deductibles, credit (where allowed), and claims history.
| Area | Average Monthly Rate |
|---|---|
| National | $169.67 |
| Tennessee | $155.80 |
| Clarksville, Tennessee | $169.51 |
Cheapest car insurers for Clarksville, TN drivers
| Rank | Company | Average Monthly Rate |
|---|---|---|
| 1 | Safeco | $149.65 |
| 2 | National General 360 | $152.21 |
| 3 | Progressive | $159.34 |
| 4 | Elephant | $168.80 |
| 5 | National General NS | $170.13 |
| 6 | GEICO | $170.71 |
| 7 | Travelers | $177.22 |
| 8 | Bristol West | $178.96 |
| 9 | Allstate | $181.28 |
| 10 | Chubb | $193.28 |
| Age Group | Average Monthly Rate |
|---|---|
| 16-19 | $1,102.89 |
| 20s | $124.91 |
| 30s | $119.91 |
| 40s | $141.79 |
| 50s | $132.02 |
| 60s | $108.73 |
| 70+ | $119.74 |
Check Out Other Rates in Clarksville, TN Nearby Cities:
Coverage explainers for Clarksville drivers
The Tennessee minimum keeps you legal, but it seldom covers a serious injury claim or a newer financed vehicle. The outline below can serve as your checklist while you compare quotes for Clarksville.
- Bodily injury and property damage liability: If a crash is your fault, it pays the other side. A long, traffic-heavy commute, savings, or home equity are good reasons to consider higher limits.
- Collision: After a crash with another car or an object, it pays to repair your own car, subject to your deductible.
- Comprehensive: Handles damage that is not from a collision, including theft, hail, glass breakage, and animal strikes, which matters in places with frequent severe weather.
- Uninsured / underinsured motorist: If the at-fault driver is uninsured or underinsured, this coverage pays for your losses. Before you waive UM/UIM, check how your state handles it.
- PIP / medical payments: Whether you can buy it and how it stacks varies by state, but the purpose is the same: paying medical bills for you and your passengers after a crash.
- Rental coverage: When a covered claim puts your car in the shop, it helps pay for a rental.
- Roadside help: On the policy it can undercut a separate club membership and covers towing, battery, and lockout help.
- Higher liability limits & umbrella coordination: Umbrellas require certain underlying limits, so your auto limits need to match.
Leased or financed cars in Clarksville almost always must carry collision and comprehensive. Going without collision can make sense on an older, paid-off car once the out-of-pocket risk is clear to you. Storm-prone ZIP codes justify a second look at glass and hail deductibles.
Clarksville driving and insurance context
Roughly 166,722 people live in Clarksville in Montgomery County. The population is roughly 166,722. Tennessee pricing often reflects tornado and severe-storm risk, with flood considerations near rivers and low-lying areas.
Drivers around Clarksville typically see a blend of neighborhood streets and busier connectors; stop-and-go patterns can influence claims frequency more than people expect. Severe storms, flooding in low spots, and foggy river corridors shape local comprehensive claims, and over time they shape the rates carriers file for nearby ZIP codes. The car’s construction, the insurance score where allowed, prior claims, and the precise garaging address all move the quote, which is why two Clarksville neighbors driving similar cars may still see different prices.
Recently moved to the Montgomery County area? Take a few minutes to confirm how you use the vehicle. Rates respond more to who drives and how than small trim differences: teen drivers, rideshare work, and highway-heavy commutes each change the rating story. Be specific about how the car is used when you ask for a quote, so we can match carriers that price that profile well.
Many Clarksville drivers also underestimate how vehicle safety features and ownership length interact with discounts. Some carriers reward anti-theft devices or automatic emergency braking heavily while another barely does, and continuous coverage varies the same way. Those carrier quirks become a shortlist in an independent agent’s hands, sparing you ten websites and the same application each time.
Keep the declarations pages from your current policy handy; it is a small step that helps. Listed drivers, limits, and deductibles are the fastest way to build an apples-to-apples comparison for Clarksville. If a quote looks dramatically cheaper, check whether liability limits dropped, comprehensive disappeared, or a household driver was omitted.
Tips to cut car insurance rates in Clarksville
Rate shopping is not only about finding the lowest binder price. Claim multi-policy and multi-car credits before raising deductibles, and re-shop each policy term; that is how savings stick.
- Compare several carriers every renewal. Appetite shifts after storm seasons and loss trends. What was cheapest in Clarksville last year may not lead today.
- Let the math decide on bundling. Look at the total for home and auto together, not only the auto line; combining is worth it only when the total is lower. Start the process at /get-a-quote/auto-quote, and note any renters or homeowners policy you already hold.
- Raise deductibles only if you have cash reserves. Moving from $500 to $1,000 can cut the premium, but only if a hail or collision claim would not strain your budget.
- Teens need a deliberate plan. On this page, the illustrated 16–19 monthly estimate is about $1,102.89, far above adult buckets near $109. Ask about good-student discounts, driver training, telematics, and adding the teen to the right vehicle — not necessarily the newest car in the driveway.
- Use telematics carefully. Late-night trips and hard braking may cancel any discount, while usage-based programs can reward gentle acceleration and low overnight mileage.
- Avoid coverage gaps. Gaps, even short ones, often cost more than the months you skipped.
- Get the garaging address right. If the car sleeps in Clarksville but you insure it elsewhere (or the reverse), fix that before you bind.
- Ask about paperless, autopay, paying in full, and professional affiliations. Together they can shift a close quote, though each one is small.
Last, document improvements. Roof cameras are a home item, but dash cams, anti-theft devices, and a clean Motor Vehicle Record can still help many auto applications. Bring those details to your Clarksville quote review so underwriting does not guess.
Discounts to ask about when you live in Clarksville
- Multi-policy credit — auto paired with home or renters.
- Multi-car discount — more than one vehicle with the same carrier.
- Safe driver & claims-free — clean histories often earn better rates.
- Driver training & good student — worth asking about when teens are on the policy.
- Usage-based / telematics — optional programs that reward safer habits.
- Autopay, paperless, and paid-in-full — minor credits that add up.
- Anti-theft & safety equipment — depending on the vehicle and carrier.
Discounts never replace shopping. Similar advertised credits can still leave two carriers fifty dollars apart on the same Clarksville driver.
Getting to know Clarksville
Roughly 166,722 people live in Clarksville in Montgomery County.
Clarksville lies within the Montgomery County area, and there day-to-day insurance shopping is shaped more by home characteristics and carrier appetite than by any single landmark.
Homes locally are a single-family mix typical of the Montgomery County area; replacement cost, roof age, and construction type, block by block, explain most price differences.
Tennessee pricing often reflects tornado and severe-storm risk, with flood considerations near rivers and low-lying areas.
Factors that change a quote in Clarksville
When a Clarksville application comes in, carriers consider far more than the vehicle’s sticker price. Good credit on file can be outweighed by prior bodily injury claims, weather-related comprehensive losses, or coverage lapses. With a fairly new vehicle, long continuous coverage and low estimated annual miles can bring the price down.
If you work from home some days, ask whether your mileage estimate should change. Many households in Clarksville overpay for miles they stopped driving because the policy still assumes a prior job’s commute. To avoid a mismatch at claim time, update the application if your commute around the Montgomery County area got longer; the reverse is also true.
Choosing deductibles and limits with local weather in mind
Regional loss data includes severe storms, flooding in low spots, and foggy river corridors, so the comprehensive deductible in Clarksville deserves a deliberate choice. For cars parked outdoors, a lower glass deductible can be worth it. A higher comprehensive deductible may make sense if you have reserves and want to trim premium on a paid-off vehicle.
Do not stop at the state minimum: liability limits should match your assets and risk tolerance. Along busy roads near Clarksville, a serious at-fault accident can blow past minimum limits. We will walk through scenarios so you are not buying numbers you do not understand.
What Freedom Insurance Group does for Clarksville drivers
We do not invent AM Best ratings or pretend every carrier is appointed in every niche. We explain the tradeoffs in plain language, shop the markets we can access, and help you choose limits that fit how you actually drive in Clarksville and the wider Montgomery County area.
Reach us at (800) 253-1482, or get a free auto quote started online. If you also need homeowners coverage, start on the home quote form and we will review bundling options without pressure.
Expect a conversation about drivers, vehicles, the garaging ZIP code, desired liability limits, and any recent claims. This page’s illustrative averages become a shortlist of bindable options for your household once we have those details.
Commutes, cars, and storms in Clarksville
Clarksville has about 67,832 occupied households; 22% keep three or more vehicles and 42% have exactly two. So multi-car credits and driver-to-vehicle assignment are worth checking on most policies.
Clarksville workers spend about 27 minutes getting to work on an average day, according to 2020–2024 Census survey estimates. About 19% of commuters spend 45 minutes or longer getting to work, and those long drives show up in rating. By commute mode, 80% drive alone, 8.5% carpool, and 8.5% work from home.
Census estimates (2020–2024) put about 176,456 people in Clarksville, on roughly 100 square miles of land, which works out to about 1,762 per square mile. Nashville, about 41 miles southeast, is the nearest Tennessee city above 100,000 people. Regular trips there add miles that belong in your annual estimate.
NOAA’s Storm Events Database lists 13 hail reports within about 9 miles of Clarksville from 2016 through 2025. The biggest hail reported was 3 inches near Clarksville in May 2024. Hail that size can badly dent body panels and shatter glass, and those claims go through comprehensive. There were also 12 flash-flood reports nearby, the latest in February 2025; a flooded car is a comprehensive claim, not collision.
By the historical record, Clarksville was founded in 1784 and incorporated in 1808. It takes its name from George Rogers Clark. Clarksville’s population went from 103,455 at the 2000 Census to 132,929 at the 2010 Census, and the Census Bureau’s July 2024 estimate is 185,690. That works out to about 79% more residents than in 2000. The NOAA Storm Prediction Center database shows 11 tornadoes that began within 10 miles of Clarksville from 1950 through 2015; the strongest was an F3 on January 22, 1999.
Comparing nearby rates? See our car insurance pages for Pleasant View (21 mi), Coopertown (24 mi), and Erin (26 mi).
ZIP codes we insure in and around Clarksville
37044 · 37040 · 37041 · 37043 · 37042
Other Tennessee coverage
Get car insurance quotes in Clarksville, TN
Clarksville residents get a comparison of 25+ carriers through Freedom Insurance Group. Reach us at (800) 253-1482, or get a free auto quote started online.
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