Average renters insurance cost in Clarksville, Tennessee

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Renters in Clarksville, Tennessee pay an average of $300 per year for renters insurance – $9 less than compared to the state average of $309 annually.

Renters insurance protects your belongings against damage, theft, fire, smoke, and vandalism. It also provides liability coverage if you accidentally hurt someone or cause damage to their property.

What you’ll pay depends on your insurer, deductible, coverage limits, ZIP code, and any discounts you qualify for.

How to get the best deal for renters insurance in Clarksville

Get quotes from a minimum of three insurers – rates differ considerably between providers, and switching can mean hundreds in annual savings.
Bundle your renters policy with auto or another insurance policy under the same provider to unlock a discount.
Increase your deductible from $500 to $1,000 – this move alone can save you $23 per year.
Look into discounts tied to safety features such as deadbolts, smoke detectors, or a home security system.
Pay your full annual premium in one payment instead of monthly – most insurers offer a discount for this.

What is the average cost of renters insurance per month in Clarksville?

Renters insurance in Clarksville doesn’t come with a single price tag – what you pay each month depends on your insurer and how much coverage you choose. For a policy with $20,000 in personal property coverage and a $1,000 deductible, the average premium runs $18 per month.

Moving up to $40,000 in personal property coverage raises the typical monthly rate by about $7 more, landing at $25. That rate reflects $40,000 in personal property protection, $100,000 in liability coverage, and a $1,000 deductible – $1 less than the state monthly average of $26.

Key takeaways

A renters policy covers your personal belongings and provides liability protection inside your rental
Renters insurance in Clarksville averages $300 per year
Among local insurers, Farm Bureau Insurance of Tennessee offers the lowest rates in the city
What you pay hinges on your coverage limits, ZIP code, insurer, and any discounts you’re eligible for
If your home is filled with electronics, jewelry, or quality furniture, higher coverage limits are worth the extra cost

How much is renters insurance in Clarksville? Rates by deductible

For a policy with $20,000 in personal property coverage and a $500 deductible, renters in Clarksville pay an average of $239 per year.

Your deductible is the share of a claim you cover before your insurer pays the rest. It’s also one of the most direct levers for controlling your premium – raising it from $500 to $1,000 can knock $23 off your annual cost.

The table below shows how premiums change across different personal property coverage amounts and deductible levels.

Deductible	Rates with $20,000 personal property	$40,000 personal property	$60,000 personal property
500	$239	$338	$438
1000	$216	$300	$388

Who offers affordable renters insurance in Clarksville?

Farm Bureau Insurance of Tennessee is the most affordable option in Clarksville, with average rates of $145 per year or $12 per month. American National Finance ranks second, with State Farm close behind.

The table below lists the most affordable renters insurance companies in Clarksville along with their average annual and monthly premiums.

Renter insurance provider	Average annual rate	Average per month rate
Farm Bureau Insurance of Tennessee	$145	$12
American National Finance	$163	$14
State Farm	$209	$17
Auto-Owners	$253	$21
Shelter Insurance	$274	$23
Farmers	$340	$28
Erie Insurance	$401	$33
Westfield Insurance	$421	$35
Travelers	$646	$54
USAA*	$150	$12

*USAA is only available to military community members and their families.

How to lower the cost of renters insurance

You can lower the cost of renters insurance by shopping around, bundling policies, and going for a higher deductible.

Bundle policies. Grouping your renters policy with your auto or other insurance at the same company can lower what you pay across the board.
Increase your deductible. Choosing a higher deductible brings your premium down immediately – just be certain the amount is something you could manage out of pocket following a claim.
Choose the right coverage amount. Revisit your coverage limits annually. If your personal belongings haven’t grown in value, you may be spending more on personal property coverage than necessary.
Avoid filing small claims. Repeated small claims can cause your rates to climb faster than one large claim would. For minor incidents, absorbing the cost yourself often makes more financial sense.
Improve your credit score. Credit scores influence insurance pricing in most states – a higher score is one of the clearest ways to bring your premium down over time.
Compare quotes every renewal. Rates evolve year to year, and loyalty doesn’t always pay. Setting aside 30 minutes to shop around at renewal can save you a meaningful amount annually.

Renters insurance replaces belongings that are stolen or damaged, and covers your financial exposure when you’re liable for someone else’s loss. Comparing providers and claiming every discount you qualify for are the most reliable ways to keep your premium in check.

Frequently asked questions

Is renters insurance required in Clarksville?

No state law requires it, but individual landlords often do. Beyond lease requirements, it’s a practical safeguard – it protects your belongings and covers you if someone is injured in your home.

What does renters insurance cover?

Renters insurance covers personal belongings damaged or stolen in a covered event, liability costs if you’re found responsible for injury or property damage, and temporary accommodation expenses if your rental becomes uninhabitable.

How much renters insurance do I need?

Start with enough to fully replace your possessions. If you own high-value items – electronics, jewelry, or specialty equipment – consider bumping up your limits or adding scheduled coverage for individual items.

Who has the cheapest renters insurance in Clarksville?

Farm Bureau Insurance of Tennessee has the lowest average rates in Clarksville, coming in at $12 per month.

Methodology

Insure.com partnered with Quadrant Information Services to collect renters insurance rate data for Clarksville, based on a policy with $40,000 in personal property coverage, $300,000 in liability coverage, and a $1,000 deductible. All rates correspond to a good credit tier profile.

How much is renters insurance in other cities?

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Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.