Home Car insurance Average car insurance cost Car insurance rates by state Tennessee Clarksville, TN Average car insurance cost in Clarksville, Tennessee Drivers in Clarksville pay an average of $1,620 per year for car insurance, with Travelers offering the most affordable rates at $1,306 annually. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: August 24, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Our analysis shows that drivers in Clarksville pay about $1,620 per year for car insurance. It is $57 less than the Tennessee average and $275 less than the nationwide average. Graph Table City average ratesState average ratesNational average cost$1,620$1,677$1,895 Where you live plays a big role in how much you pay for car insurance. Areas with high population density, theft and accident rates tend to have higher premiums. Comparing car insurance rates in Clarksville to state and national averages can help you determine if you’re getting a good deal or if it’s time to explore other options. Below, we outline local trends, rate differences and ways to save.Key TakeawaysOn average, drivers in Clarksville pay around $1,620 per year for car insurance.The most affordable car insurance company is Travelers, with an average annual rate of $1,306.Young adults in Clarksville can expect to pay about $2,652 annually for full coverage.Cheap car insurance companies in ClarksvilleTravelers offers the cheapest full coverage car insurance in Clarksville at $1,306 per year with coverage limits of $100,000 in bodily injury per person, $300,000 total per accident and $100,000 for property damage.The second most affordable option in Clarksville is Farm Bureau Insurance of Tennessee, with an average annual premium of $1,316.Car insurance rates differ from one company to another because each insurer has its own underwriting process to determine premiums. That’s why shopping around and comparing quotes from multiple insurance companies is key to finding affordable coverage that meets your needs.Below is a breakdown of average yearly and monthly car insurance rates from different insurers in Clarksville. Affordable car insurance providers in Clarksville Graph Table Company NameAverage annual costAverage monthly costTravelers$1,306$109Farm Bureau Insurance of Tennessee$1,316$110Farmers$1,465$122Progressive$1,481$123Nationwide$1,529$127GEICO$1,607$134Erie Insurance$1,663$139State Farm$1,729$144Allstate$3,021$252USAA*$1,084$90 Read about the best car insurance companies.Average car insurance cost in Clarksville by coverage limitsHere’s a breakdown of average car insurance rates in Clarksville by coverage type.State minimum coverage: $467 per year (limits are $25,000 bodily injury liability per person, $50,000 total bodily injury liability per accident and $25,000 property damage liability per accident).Liability only coverage: $568 per year (limits are $50,000 bodily injury liability per person, $100,000 total bodily injury liability per accident and $50,000 property damage liability per accident).Full coverage: $1,620 per year (limits are $100,000 bodily injury liability per person, $300,000 total bodily injury liability per accident and $100,000 property damage liability per accident).Non-owners coverage: $385 per yearMost states require drivers to purchase minimum liability insurance to drive legally, but the minimum required limits vary. This coverage helps pay for injuries or damage you cause to others in an accident.However, a liability-only policy won’t cover damage to your car or medical expenses if you’re at fault. You’ll need to add collision and comprehensive coverage to your policy to protect your car.Average car insurance rates by gender in ClarksvilleIn Clarksville, the average annual car insurance cost for female drivers is $1,624. Male drivers, on the other hand, pay $1,616 per year – that’s $8 less than what female drivers pay. While most states allow insurers to use gender when setting rates, there are states, including California, Hawaii, Massachusetts, Michigan, Montana, North Carolina and Pennsylvania that prohibit the use of gender as a rating factor.According to the Insurance Information Institute, or Triple-I, women tend to drive more cautiously and are involved in fewer serious accidents than men. Insurers factor this into their premium calculations, which is why men often pay more for car insurance.Read more on how gender affects car insurance rates.Average car insurance rates by age in ClarksvilleTeen drivers in Clarksville experience the highest insurance rates, paying an average of $5,449 per year or $454 per month.According to the Insurance Information Institute, teens aged 16 to 19 are considered high-risk due to their inexperience behind the wheel. On average, teen drivers pay $2,797 more than young adults for insurance.With age and experience, young drivers often see a drop in car insurance premiums. On average, 20 to 24-year-olds pay $2,652 per year – a difference of $2,797 less than compared to teen drivers.Drivers in Clarksville aged 25 to 55 typically pay $1,625 a year for car insurance. For senior drivers aged between 60 and 75, the average annual premium is $1,636.Read more on auto insurance for seniors.Below is a breakdown of average annual full coverage car insurance rates by age group. Car insurance rates by age groups in Clarksville Graph Table Teens (16- to 19-year-olds)Young adults (20- to 24-year-olds)Adults (25- to 55-year-olds)Seniors (60- to 75-year-olds)$5,449$2,652$1,625$1,636 Car insurance rate trends in ClarksvilleCar insurance premiums in Clarksville showed an upward trend between 2022 and 2023, with average rates changing by 23% or about $307.The graph below tracks insurance costs from 2016 to 2023, highlighting long-term trends that help explain today’s rate changes. How car insurance rates are changing in Clarksville Graph Table 2016 rates2019 rates2022 rates2023 rates$1,232$1,365$1,313$1,620 How drivers can save on insurance even with higher ratesCar insurance rates in Clarksville are lower than the Tennessee state average. To find affordable coverage, consider comparing quotes from at least three to five insurers. You can also save by taking advantage of discounts for safe driving, low annual mileage or bundling your policies.Sources:Insurance Information Institute. “What determines the price of my auto insurance policy.” Accessed August 2025.Insurance Information Institute. “Auto insurance for teen drivers.” Accessed August 2025.Insurance Information Institute. “Senior driving safety and tips.” Accessed August 2025.MethodologyInsure.com commissioned car insurance rates in 2023 from Quadrant Information Services. To determine the average premiums, our team of data analysts and expert editors analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes.The insurance rates are based on a sample profile of a 40-year-old male and female driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:$100,000 bodily injury per person$300,000 bodily injury per accident$100,000 property damage per accident$500 comprehensive and collision deductibleThe quoted insurance rates are for comparison purposes, and your rates may vary. How much is car insurance in other cities?ChattanoogaKnoxvilleMemphisMurfreesboroShivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. In case you missed it Best Car Insurance Companies of 2025 The most and least expensive states for car insurance in 2025 What is full coverage car insurance? How much does car insurance cost for seniors in 2025? 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Cheap car insurance companies in ClarksvilleAverage car insurance cost in Clarksville by coverage limitsAverage car insurance rates by gender in ClarksvilleAverage car insurance rates by age in ClarksvilleCar insurance rate trends in ClarksvilleHow drivers can save on insurance even with higher ratesMethodology ZIP Code Please enter valid ZIP See rates (844)-645-3330