+120 more*These quotes are from Compare.com users in and around Clarksville, Tennessee within the last 10 days. Updated on July 2, 2026
*These quotes are from Compare.com users in and around Clarksville, Tennessee within the last 10 days. Updated on July 2, 2026
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Senior Director, Media Relations, with Triple-I
30+ years of industry experience
Leadership positions at several trade organizations
Updated
Clarksville drivers pay an average monthly rate of $108 for auto insurance. That rate is higher than the state average, but cheaper than the national average, according to our data.
Clarksville’s dense population could explain why drivers pay more for car insurance in the city. Insurance tends to be more expensive in cities because of an increased risk of accidents.
Still, it’s possible to find cheap rates. Mile Auto and State Farm all offer affordable coverage in Clarksville. But Mile Auto offers the cheapest rates, at $51 per month.
We’ll tell you about the cheapest insurers in Clarksville for different drivers, how to choose the right company, and how to save on coverage.
Mile Auto offers the cheapest car insurance in Clarksville, with rates starting at $51 per month.
Clarksville drivers pay an average of $71 per month for liability-only insurance and $146 per month for full-coverage insurance.
Tennessee drivers must have 25/50/25 liability coverage.[1]
We mentioned the insurers with the cheapest average rates above, but some companies may offer you more affordable auto insurance. Insurers consider factors differently when setting rates, so the cheapest company for one driver might not be the cheapest for another.
Here are the cheapest options for auto insurance in Clarksville, according to Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| Mile Auto | $51 |
| State Farm | $51 |
| Progressive | $56 |
| Certainly | $57 |
| Direct Auto | $58 |
| USAA | $61 |
| Freedom National | $62 |
| AssuranceAmerica | $66 |
| GEICO | $67 |
| The General | $68 |
| Auto-Owners | $71 |
| Travelers | $71 |
| Trexis | $74 |
| Erie | $75 |
| Safeco | $81 |
| GAINSCO | $83 |
| Trexis One | $83 |
| National General | $88 |
| Dairyland | $89 |
| Mendota | $89 |
| First Acceptance | $91 |
| Allstate | $94 |
| Insurify Car | $101 |
| Farmers | $102 |
| Liberty Mutual | $102 |
| Bristol West | $105 |
| Root | $107 |
| Elephant | $108 |
| Foremost | $113 |
| Hugo | $133 |
| Chubb | $146 |
| State Auto | $196 |
Mile Auto offers the most affordable premiums, with rates starting at just $51 per month.
But keep in mind that your insurance costs will vary depending on several factors, like your driving habits, age, and location. We’ll dig into each factor below.
Compare quotes from the top insurers in Tennessee and save money today.
If you’re looking for a new policy, the companies above are a good place to start. But your actual car insurance rates depend on unique factors, including your ZIP code, age, and driving record.
The table below shows the cheapest insurers in Clarksville for different types of drivers and coverages, according to Compare.com data.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | Mile Auto | $51 |
| Full coverage | Mile Auto | $101 |
| Teens | Mile Auto | $109 |
| Seniors | Mile Auto | $40 |
| Drivers with a speeding ticket | State Farm | $67 |
| Drivers with an at-fault accident | Mile Auto | $71 |
| Drivers with a DUI | Mile Auto | $74 |
| Drivers with excellent credit | Mile Auto | $44 |
| Drivers with poor credit | Mile Auto | $62 |
Next, let’s take a closer look at each driver and coverage type.
The average rate for a liability-only car insurance policy in Clarksville is $71 per month, according to Compare.com data. Opting for state-minimum coverage will mean cheaper monthly premiums but less financial protection. For this reason, most insurance experts recommend buying extra coverage.
This chart details the five cheapest insurers for state-minimum coverage in Clarksville, according to Compare.com research.
Company | Average Monthly Premium |
|---|---|
| Mile Auto | $51 |
| State Farm | $51 |
| Progressive | $56 |
| Certainly | $57 |
| Direct Auto | $58 |
| USAA | $61 |
| Freedom National | $62 |
| AssuranceAmerica | $66 |
| GEICO | $67 |
| The General | $68 |
| Auto-Owners | $71 |
| Travelers | $71 |
| Trexis | $74 |
| Erie | $75 |
| Safeco | $81 |
| GAINSCO | $83 |
| Trexis One | $83 |
| National General | $88 |
| Dairyland | $89 |
| Mendota | $89 |
| First Acceptance | $91 |
| Allstate | $94 |
| Insurify Car | $101 |
| Farmers | $102 |
| Liberty Mutual | $102 |
| Bristol West | $105 |
| Root | $107 |
| Elephant | $108 |
| Foremost | $113 |
| Hugo | $133 |
| Chubb | $146 |
| State Auto | $196 |
Drivers who want more protection should consider a full-coverage insurance policy. Full coverage typically includes liability, comprehensive, and collision insurance. It can also include uninsured/underinsured motorist (UM/UIM) or medical payments (MedPay) coverage, depending on where you live.
And if you lease or finance your vehicle, your lender will likely require you to have full coverage.
Drivers in Clarksville pay a monthly average of $146 for full-coverage car insurance. But you may be able to find cheaper rates from some companies.
Here’s a look at the five cheapest full-coverage car insurers in Clarksville, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Mile Auto | $101 |
| Progressive | $102 |
| State Farm | $109 |
| Direct Auto | $127 |
| USAA | $129 |
| National General | $142 |
| GEICO | $143 |
| Safeco | $145 |
| Auto-Owners | $150 |
| Travelers | $150 |
| Certainly | $157 |
| Erie | $160 |
| AssuranceAmerica | $161 |
| Trexis | $173 |
| Root | $179 |
| Elephant | $183 |
| The General | $198 |
| Liberty Mutual | $199 |
| Trexis One | $199 |
| Allstate | $201 |
| Mendota | $203 |
| GAINSCO | $205 |
| Farmers | $217 |
| Bristol West | $226 |
| Freedom National | $237 |
| First Acceptance | $241 |
| Dairyland | $263 |
| Foremost | $267 |
| Chubb | $312 |
| State Auto | $416 |
Teens pay some of the highest car insurance rates of any age group. One of the primary reasons is that teens are three times as likely to get into a fatal crash as drivers 20 and older, according to the Insurance Institute of Highway Safety (IIHS).[2] Insurers charge teenage drivers higher rates to offset that extra risk.
Clarksville teens pay an average of $215 per month for car insurance. But if you’re shopping for a new policy, you may be able to find cheaper insurance.
The five companies below offer the cheapest rates for Clarksville teens, according to our data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $103 |
| Mile Auto | $109 |
| Progressive | $111 |
| Certainly | $113 |
| USAA | $117 |
| Direct Auto | $118 |
| Freedom National | $123 |
| GEICO | $127 |
| The General | $128 |
| AssuranceAmerica | $142 |
| Erie | $144 |
| Trexis | $147 |
| Auto-Owners | $149 |
| Travelers | $153 |
| GAINSCO | $153 |
| Dairyland | $162 |
| Trexis One | $165 |
| Root | $170 |
| Safeco | $171 |
| Mendota | $177 |
| First Acceptance | $181 |
| National General | $182 |
| Liberty Mutual | $187 |
| Allstate | $193 |
| Bristol West | $194 |
| Insurify Car | $201 |
| Elephant | $204 |
| Farmers | $212 |
| Hugo | $257 |
| Chubb | $312 |
| State Auto | $489 |
Older Clarksville drivers typically have the cheapest car insurance rates. Senior drivers tend to spend less time on the road, making them a lower risk to insure.[3]
Clarksville seniors pay a monthly average of $94 for car insurance. But several companies may offer even lower rates.
This chart shows the five companies offering the lowest average rates for Clarksville seniors, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Mile Auto | $40 |
| State Farm | $40 |
| Direct Auto | $48 |
| Progressive | $49 |
| USAA | $50 |
| Certainly | $50 |
| AssuranceAmerica | $52 |
| GEICO | $54 |
| Freedom National | $54 |
| Auto-Owners | $56 |
| Travelers | $57 |
| Erie | $58 |
| The General | $58 |
| Trexis | $65 |
| National General | $70 |
| Safeco | $71 |
| GAINSCO | $72 |
| Trexis One | $73 |
| Dairyland | $76 |
| Allstate | $77 |
| Mendota | $78 |
| First Acceptance | $80 |
| Farmers | $81 |
| Liberty Mutual | $85 |
| Bristol West | $88 |
| Insurify Car | $88 |
| Elephant | $88 |
| Root | $99 |
| Chubb | $111 |
| Hugo | $116 |
| State Auto | $149 |
Clarksville drivers with a speeding ticket will likely pay more for car insurance. Insurance companies view you as a higher risk on the road after a ticket, which translates to higher rates when your policy renews. In fact, a single speeding ticket causes average rates to spike by 37% nationwide, according to our research.
Drivers in Clarksville with a recent ticket pay an average of $144 per month for insurance, according to our data. But you might find a cheaper rate with one of the companies below.
Company | Average Monthly Premium |
|---|---|
| Mile Auto | $64 |
| State Farm | $67 |
| Progressive | $75 |
| Direct Auto | $75 |
| Certainly | $76 |
| USAA | $81 |
| Freedom National | $83 |
| AssuranceAmerica | $87 |
| GEICO | $90 |
| The General | $94 |
| Travelers | $95 |
| Auto-Owners | $95 |
| Trexis | $99 |
| Erie | $102 |
| GAINSCO | $103 |
| Safeco | $110 |
| Trexis One | $111 |
| National General | $113 |
| Dairyland | $114 |
| Mendota | $119 |
| First Acceptance | $121 |
| Allstate | $126 |
| Root | $132 |
| Liberty Mutual | $134 |
| Insurify Car | $135 |
| Farmers | $135 |
| Elephant | $135 |
| Bristol West | $137 |
| Hugo | $175 |
| Chubb | $192 |
| State Auto | $268 |
Car insurance companies will also likely increase your rates if you cause an accident. In fact, a single at-fault accident increases average car insurance rates by 41% nationwide, according to our research.
Clarksville drivers pay an average of $153 per month for car insurance after an at-fault accident. But don’t worry, you may be able to get cheaper coverage.
The table below shows the cheapest insurers for Clarksville drivers with an at-fault accident, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $70 |
| Mile Auto | $71 |
| Progressive | $79 |
| Certainly | $81 |
| Direct Auto | $82 |
| USAA | $85 |
| Freedom National | $88 |
| AssuranceAmerica | $91 |
| GEICO | $92 |
| The General | $97 |
| Auto-Owners | $98 |
| Travelers | $100 |
| Erie | $104 |
| Trexis | $105 |
| GAINSCO | $110 |
| Safeco | $117 |
| Trexis One | $118 |
| National General | $122 |
| Dairyland | $122 |
| Mendota | $126 |
| First Acceptance | $129 |
| Allstate | $131 |
| Root | $140 |
| Liberty Mutual | $141 |
| Farmers | $142 |
| Insurify Car | $143 |
| Bristol West | $144 |
| Elephant | $147 |
| Hugo | $183 |
| Chubb | $202 |
| State Auto | $278 |
You can expect your car insurance rates to increase sharply after a driving under the influence (DUI) conviction. That’s because insurers view people with a DUI as some of the riskiest drivers on the road.
Nationally, average car insurance rates increase by 61% after a DUI conviction. Clarksville drivers with a DUI pay a monthly average of $160 for car insurance. But you’re not necessarily stuck with these sky-high rates.
Here’s a look at the five cheapest insurance companies in Clarksville for drivers with DUIs, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Mile Auto | $74 |
| State Farm | $74 |
| Progressive | $83 |
| Certainly | $84 |
| Direct Auto | $85 |
| USAA | $89 |
| Freedom National | $92 |
| AssuranceAmerica | $96 |
| The General | $97 |
| GEICO | $97 |
| Auto-Owners | $99 |
| Travelers | $104 |
| Trexis | $110 |
| Erie | $110 |
| GAINSCO | $121 |
| Trexis One | $123 |
| Safeco | $126 |
| National General | $128 |
| Dairyland | $130 |
| Mendota | $132 |
| First Acceptance | $135 |
| Allstate | $137 |
| Farmers | $149 |
| Liberty Mutual | $149 |
| Insurify Car | $150 |
| Bristol West | $153 |
| Root | $156 |
| Elephant | $158 |
| Hugo | $194 |
| Chubb | $213 |
| State Auto | $276 |
Poor credit often means higher car insurance rates. Research shows drivers with spotty credit histories are more likely to file claims. Drivers with poor credit pay 20% more for car insurance than people with excellent credit, according to Compare.com research.
In Clarksville, drivers with poor credit pay an average of $132 per month for car insurance. That said, not every insurer will look at your credit history, so you can still find cheap rates even if your credit isn’t great.
This chart shows the five insurers offering the most affordable car insurance for Clarksville drivers with poor credit, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Mile Auto | $62 |
| Progressive | $69 |
| Certainly | $70 |
| Direct Auto | $71 |
| State Farm | $73 |
| USAA | $74 |
| Freedom National | $76 |
| AssuranceAmerica | $81 |
| GEICO | $82 |
| The General | $83 |
| Travelers | $87 |
| Trexis | $91 |
| Safeco | $99 |
| GAINSCO | $102 |
| Trexis One | $102 |
| Auto-Owners | $105 |
| National General | $108 |
| Dairyland | $109 |
| Erie | $109 |
| Mendota | $109 |
| First Acceptance | $112 |
| Allstate | $115 |
| Liberty Mutual | $121 |
| Insurify Car | $124 |
| Farmers | $125 |
| Bristol West | $129 |
| Root | $131 |
| Elephant | $132 |
| Hugo | $163 |
| Chubb | $231 |
| State Auto | $241 |
Get the coverage you need at the best price.
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Like nearly every state, Tennessee requires all drivers to buy car insurance. Here’s a look at the state’s required coverage minimums:
Bodily injury: This coverage pays out if you hurt another driver or their passengers in an at-fault accident. It can pay for medical bills and related costs. Tennessee requires you to have $25,000 per person and $50,000 per accident of bodily injury liability insurance.
Property damage: This coverage pays out if you damage another driver’s car or property in an accident. Tennessee requires you to have $25,000 per accident of property damage liability insurance.
Experts recommend buying more than the state’s minimum car insurance requirements, generally around 100/300/100 liability limits for greater financial protection from at-fault accidents. Medical bills and repair costs can quickly add up, and you’ll be responsible for paying anything that exceeds your coverage limits.
While Tennessee doesn’t suggest how much coverage to purchase, buying a full-coverage policy offers added financial protection and peace of mind. Lenders typically require you to have full coverage if you lease or finance your car.
Here are the answers to some of the most common questions from drivers about auto insurance in Clarksville.
Car insurance in Clarksville costs an average of $108 per month, according to Compare.com data. Clarksville drivers pay an average monthly rate of $71 for liability insurance and $146 for full coverage.
The cheapest auto insurance company in Clarksville is Mile Auto, with average rates starting at $51 per month. That said, you might find lower rates with another insurance company, depending on your unique driver profile.
It depends. Clarksville drivers pay an average monthly rate of $108, compared to the national average of $140, according to Compare.com data. The cost of your car insurance in Clarksville depends on factors like your address, driving history, and age.
Tennessee law mandates that drivers purchase a minimum amount of car insurance. To drive legally in the Volunteer State, you need at least $25,000 per person and $50,000 per accident of bodily injury liability insurance and $25,000 per accident of property damage liability insurance.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Learn more about us, our team, and what makes us tick.
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Senior Director, Media Relations, with Triple-I
30+ years of industry experience
Leadership positions at several trade organizations
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