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How much is car insurance in Clarksville?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies in Clarksville are about $7 a month more expensive than the rest of Tennessee.
Drivers relocating from out of state may enjoy some cost savings in Clarksville. The average monthly payment for the U.S. as a whole is about $21 more expensive than in Clarksville.
While these numbers represent the average monthly payments for coverage in Clarksville, that doesn't mean it's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.
We've analyzed the average rate for Clarksville and broken down the different factors to help you understand what your policy's monthly premium will be. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally speaking, the older you are, the more experience you have driving, right? That experience can turn into some real savings when it comes to auto insurance rates. In this case, 18-24-year-olds pay $45 more than drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement, however, you may see your rates creep back up a bit in Clarksville.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. In Clarksville, the difference is around $6 a month. Based on the chart above, you can see that male drivers pay $62 on average, while female drivers typically pay $56 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. A clean driving record will obviously get you a lower rate than one with accidents or infractions. Drivers in Clarksville with one accident will pay around $73 a month. Likewise, drivers with one ticket will be looking at a rate of around $82 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$74|
|15 Years or Older||$55|
If you look at the first table above, you'll see that cars are typically the cheapest vehicles to insure in Clarksville, with drivers paying around $58 per month for auto insurance coverage.
SUV owners, on the other hand, by and large pay around $62 per month, while truck and van drivers can expect to pay about $61 a month for auto insurance coverage.
In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is close to 5 years old, however, you may see your bill start to shrink a bit. The most expensive vehicles to insure in Clarksville, for example, are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$66|
Generally speaking, married policyholders will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
At a national level, single drivers usually pay more than married couples do for auto insurance. Clarksville follows that pattern, with the difference totaling to around $22 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$89|
One other element taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $15 a month more than if you own your own home in Clarksville. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Clarksville, TN
Recent trends in car insurance for Clarksville drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
The rates for car insurance in Clarksville had been increasing from 2016-2017, before leveling out in 2018. Policy premiums went up again, reaching a high of $75 in 2020, and finished down at $56 in 2021.
How does Clarksville compare to neighboring areas?
Why are car insurance rates in Clarksville different from other areas?
There are a lot of factors car insurance companies will consider when figuring out how much to charge for a monthly rate. While we've discussed the ones that affect your personal policy, others are based around your home address. These include things like:
- Off-street parking access
- Crime rates
- Amount of drivers in the area
- General road safety (how many accidents each locality has)
- Regional laws
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Clarksville?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But hold on! Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies offering coverage in Clarksville.
Clarksville Insurance FAQs
What factors affect car insurance quotes in Clarksville?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your address, credit score, driving record, and marital status.
Why is the cost of car insurance in Clarksville different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, crime rates, and parking situations when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Clarksville?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Clarksville?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Clarksville or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.