According to Allstate, Clarksville drivers are 47th out of 200 cities in America for safe driving. They go on average 10 years between their auto insurance claims.2019 America’s Best Drivers Report. Drivers who practice safe driving habits may be eligible for lower car insurance. BothGeico and Grange stand out on our list for offering the best car insurance at a low cost,Bankrate reviewed five providers with low premiums in the region.
With annual averages of $300 and $1,288 for minimum and full coverage, respectively, the average cost of car insurance in Clarksville is cheapThis is compared to the average national cost of $1,674 per year for full coverage, and $565 for minimum coverage. There are a few things drivers can do to make insurance more affordable in the city.
Our insurance editorial team compared 2021 rates from top providers in the city (based on market share) to determine the most affordable options. We further narrowed down the selection by comparing policy offerings and industry-trusted third-party scores to determine the best, cheap car insurance in Clarksville.
Clarksville’s best car insurance company
Our team can provide current average quoted premiums to Clarksville insurance companies through a partnership with Quadrant Information Services.Geico has the lowest coverage costs in the area, saving drivers an average of $326 per year for full coverage.Based on the premiums reviewed. In order to find the best and most affordable car insurance, you must consider more than just price.
We also analyzed average premiums and scores from key third parties agencies like the 2021 J.D. AM Best and Power Auto Insurance Study. Below is a table that shows the five most affordable Clarksville car insurance companies. It includes information about affordability, coverage options and customer satisfaction.
Geico
Geico offers Clarksville residents the best car insurance rates. It has both staple coverage and a wide range of savings options that could make the already-low rates even lower. Geico offers coverage options including uninsured and underinsured motorists, emergency roads service, rental reimbursement, and mechanical breakdown. Geico offers a wide range of discounts to policyholders. These include vehicle safety equipment, driving habits and habits, driver affiliations, customer loyalty, and driver education.
Grange
Grange offers insurance cost savings, multi-policy, safety tech, loyalty, and a quote before your current policy ends. It is a close second to Geico in affordability. Grange offers additional coverage options that are similar to Geico. These include identity theft protection, original equipment maker coverage, mobile device coverage and gap insurance.
Grange is not included within rankings for customer satisfaction in the Southeast region. However, Grange has an A (Excellent AM Best) financial strength rating which contributes to its status as one of the top providers in Clarksville. Grange policies have strong financials, which can indicate that policyholders are able to afford reliable claims processing.
USAA
If you are a veteran or active military member living in Clarksville, USAA offers an excellent auto insurance option. In addition to average premiums being lower than the regional average, USAA provides optional add-on coverages to policyholders, such as roadside assistance and rideshare coverage. USAA also offers discounts for military personnel, such as one that allows you to store your vehicle at base. J.D. states that USAA is not eligible for rank. The company has a Power Study award criteria and a score of 890 points out of 1,000 for customer satisfaction.
All over the country
Nationwide is not only one of the most affordable Clarksville car insurance companies, but also offers a wide range of auto insurance coverage options. The company offers a variety of policy customization and add-on options, including gap insurance, towing and labor coverage, accident forgiveness, and total loss deductible waiver. The paperless discount is one of the most cost-effective discounts you can get. This could help you save money on your monthly payments by allowing for digital policy management. Nationwide offers an annual consultation for free with an insurance professional to review and update your policy to ensure you have the best coverage options.
Travelers
Travelers offers discounts for having a home, driving safely, having continuous insurance, and insuring hybrid or electric vehicles. Their rates are just below the average regional cost of car insurance. With the addition of rideshare or new car replacement coverage, Travelers can make policies more personal.
Travelers also earns an A++ (Superior) financial strength rating, the highest grade according AM Best’s scale. Policyholders who need to make claims after costly covered accidents are more confident because of its strong financial foundation.
Clarksville has the lowest car insurance
Geico offers Clarksville residents the lowest car insurance policy at an average of $238 per Year for minimum coverage, and $962 per Year for full coverage.. Comparativelyin TennesseeThe state average cost for car insurance in the state is $371 per year for minimum coverage, and $1,338 per year for full coverage. Clarksville’s rates are also very competitive compared to the national average of $564 per year for minimum coverage and $1674 for full coverage. Clarksville residents should compare quotes to get the best car insurance rates.
Below is a table that lists the lowest car insurance rates for the most popular carriers in the area based on market share. The most competitive rates are offered by the top companies, which is not surprising.
Erie is a standout company on this list. Erie offers a wide range of coverages, including pet coverage and roadside assistance as well as personal item coverage and locksmith services. Erie’s greatest strength is that these coverages are offered as standard, rather than as an option, as with many other auto insurance companies. The Erie Rate Lock prevents your insurance rates from rising over time unless your policy is changed.
Erie is the second-most popular provider in the Southeast, with a 2021 J.D. The Power customer satisfaction score is 874 out 1000 points. Moreover, the company’s NAIC Company Complaint Index score of .77 falls below the industry average of 1.0.
Erie offers both standard and optional coverage that is competitive. However, Erie is very similar to USAA in the fact that it is limited in its availability. Erie’s coverage does not limit to eligibility for membership, but it is only available in 12 U.S. States, including Tennessee. Based on quoted annual premiums, drivers seeking cheap full coverage may find options like Geico, Nationwide and Travelers to be more budget-friendly. Comparing rates from different providers is the best way to find out which insurer offers the best rate.
Clarksville insurance requirements
Each state has its own requirements regarding the minimum amount of auto insurance a driver must have to be able to drive legally in their state. In Tennessee, drivers must have 25/50/15 minimum insurance coverage, which includes:
- $25,000 liability coverage for bodily injuries to one person per accident
- $50,000 per accident liability coverage for total bodily injuries
- $15,000 per accident liability coverage for property damage
To cover medical expenses, property damage, and other costs related to driver, passenger, and pedestrian injuries resulting from an auto accident, minimum liability coverage is provided. This coverage does not extend beyond the coverage limits. It may not cover all accident-related losses, or be used to pay for roadside assistance or rental cars.
For this reason, many insurance experts recommend that drivers carry more than the state’s minimum required insurance coverage. If you finance a vehicle, the lender might require full coverage.
Clarksville: Car insurance discounts
Clarksville drivers can typically further reduce their premiums by taking advantage of available discounts. Discounts will vary from company to company. However, the most popular savings are found through:
- Safe driver:Safe driving discounts are typically applied to policyholders who have a clean driving record, meaning that they have not been involved in any traffic violations or reported accidents within the past five years.
- Multi-policy:ByBundling car insurance and homeowners insuranceClarksville drivers often have the opportunity to save money on their premiums for either policy.
- Safety:Your insurer may offer discounts if your car has certain safety features, such as theft alarms. Talk to your provider to find out which safety devices are eligible for discounts through the carrier. Each company may offer different discounts for different equipment.
- Excellent studentIf a student driver is still in high school, or college, they may be eligible to receive the good student discount.
Every insurance company applies discounts differently. It is important that you ask about eligibility requirements and what discounts are offered by your chosen carrier. You can redeem more discounts than you need to reduce your monthly premium. This could impact your affordability.
Questions frequently asked
Which is the best auto insurance company?
The best car insurance company largely depends on your specific coverage needs, budget, discount eligibility and desire for strong customer service. Bankrate reviewed five providers that offered the best balance between affordability, customer satisfaction, and coverage for Clarksville drivers. However, you can consider many other companies depending on your criteria.
What is the cost of car insurance in Clarksville?
Based on the quoted premiums, the average cost for car insurance in Clarksville amounts to $390 per year for minimum coverage and $1288 per year for full coverage. Rates can be lower depending on the insurance company they choose and your driving record. It is easy to compare quotes from different providers for the same amount of coverage. This will allow you to determine which provider offers the best price for the coverage that you want.
What amount of car insurance do you need in Clarksville
Clarksville drivers must carry minimum coverage of 25/50/15 to protect against property damage and medical liability. You may need more coverage if you are involved in a serious accident. Carrying the minimum insurance could result in higher costs than your coverage limits. Insurance professionals recommend full coverage options, including collision and comprehensive coverage.
What does an at-fault case affect my Clarksville insurance?
While insurance rates can rise without regard to fault, premiums are more affected by at-fault accidents. In Tennessee, having one at-fault accident on your record could raise your premium to $1,854 annually for full coverage, which is $566 more than the average cost of car insurance in Clarksville. Insurance spikes do not last and are usually only temporary.