Car Insurance in Clarksville, TN – Rates, Rankings, Free Quotes

• Clarksville car insurance averages $2,426 per year, or $202 as a monthly expense.
• Monthly car insurance rates for a few popular models in Clarksville include the Jeep Grand Cherokee at $202, Honda Civic at $179, and Toyota Camry at $217.
• Compact crossovers and SUVs like the Nissan Kicks, Subaru Crosstrek, Volkswagen Tiguan, and Honda CR-V have the best chance of receiving cheap car insurance in Clarksville.
• Vehicles with the most affordable auto insurance for their automotive segment include the Toyota GR Corolla, Chevrolet Tahoe, Honda Passport, Acura Integra, and Kia K5.

How much does car insurance cost in Clarksville?

In Clarksville, average car insurance cost is $2,426 per year, which is 6.4% more than the overall national average rate of $2,276. Per month, Clarksville drivers can expect to pay an average of $202 for a full coverage policy.

In the state of Tennessee, the average car insurance expense is $2,432 per year, so the average cost in Clarksville is $6 less per year. The average cost to insure a car in Clarksville compared to other Tennessee cities is around $398 per year less than in Memphis, $54 per year less than in Nashville, and $16 per year cheaper than in Knoxville.

The age of the driver is one of the biggest determining factors on the price you pay for auto insurance. The list below illustrates these differences by breaking down average car insurance rates in Clarksville depending on driver age.

Average car insurance rates in Clarksville, Tennessee, for drivers age 16 to 60

• 16-year-old rated driver – $8,642 per year or $720 per month
• 17-year-old rated driver – $8,371 per year or $698 per month
• 18-year-old rated driver – $7,504 per year or $625 per month
• 19-year-old rated driver – $6,835 per year or $570 per month
• 20-year-old rated driver – $4,882 per year or $407 per month
• 30-year-old rated driver – $2,588 per year or $216 per month
• 40-year-old rated driver – $2,426 per year or $202 per month
• 50-year-old rated driver – $2,152 per year or $179 per month
• 60-year-old rated driver – $2,014 per year or $168 per month

The next chart shows average auto insurance cost in Clarksville broken out not only for different driver ages, but also for different policy deductible amounts. Rates are averaged for all 2024 vehicle models including luxury vehicles.

Average car insurance rates in the chart above range from $1,704 per year for a policy with high physical damage deductibles for a 60-year-old driver to $5,676 per year for a 20-year-old driver with a policy with low comprehensive and collision deductibles.

When these rates are converted to a cost per month, the average cost of car insurance per month in Clarksville ranges from $142 to $473.

Car insurance rates are extremely variable and slight changes in a driver’s risk profile can cause significant changes in car insurance premiums. This large rate variability reinforces the need to get accurate auto insurance quotes when shopping around for a better price on car insurance in Clarksville.

Popular vehicles and the cost to insure them

The previously discussed car insurance rates take all 2024 models and come up with an average cost, which is practical when making big picture comparisons such as the difference in average auto insurance cost by location or driver age. Average auto insurance rates are awesome when presented with a question like “are car insurance rates in Clarksville cheaper than in Chattanooga?” or “is Tennessee car insurance cheaper than Florida?”.

But for more in-depth auto insurance comparisons, it makes more sense to perform a rate analysis for the exact make and model of vehicle being insured. Every make and model has it’s own exposure profile for determining auto insurance prices and this data allows us to perform more detailed cost comparisons.

This next chart breaks down average car insurance cost in Clarksville for some of the most popular cars, trucks, and SUVs. Later on, we’ll examine the ins-and-outs of insuring some of these vehicles even more in-depth.

Popular models in Clarksville tend to be compact and midsize sedans like the Honda Civic and Nissan Altima and compact and midsize SUVs like the Toyota RAV4 and Toyota Highlander.

Some additional popular vehicles from other segments include luxury models like the Tesla Model S, Infiniti QX60, and Lexus RX 350 and sports cars like the Nissan GT-R, Ford Mustang, and Chevy Corvette.

We will explore more rates a little farther down this article, but before we dive into that data, let’s rehash the concepts and comparisons we covered so far.

• A low deductible policy costs more – A 30-year-old driver pays an average of $656 more per year for a policy with $250 deductibles versus $1,000 deductibles.
• Car insurance is cheaper as you get older – Average auto insurance rates for a 40-year-old driver in Clarksville are $2,456 per year cheaper than for a 20-year-old driver.
• Car insurance rates decrease considerably between ages 20 and 30 – The average 30-year-old Clarksville, TN, driver will pay $2,294 less annually than a 20-year-old driver, $2,588 compared to $4,882.
• Insurance for teen drivers can be expensive – Rates range from $5,778 to $8,642 per year for teenage driver insurance in Clarksville.
• Clarksville auto insurance rates are cheaper than the Tennessee state average – $2,426 (Clarksville average) compared to $2,432 (Tennessee average)
• Clarksville car insurance cost is more than the U.S. average – $2,426 (Clarksville average) versus $2,276 (U.S. average)
• Average car insurance cost per month ranges from $168 to $720 – That’s the average car insurance price range for drivers from age 16 to 60 in Clarksville.

Which autos have the cheapest car insurance in Clarksville?

The models with the cheapest car insurance prices in Clarksville tend to be crossovers and small SUVs like the Subaru Crosstrek, Kia Soul, Toyota Corolla Cross, and Buick Envision. Average auto insurance prices for those crossover SUVs cost $164 or less per month for a full coverage policy.

Other vehicles that rank well in our car insurance price comparison are the Volkswagen Taos, Kia Niro, Honda CR-V, and Toyota GR Corolla. Average auto insurance rates are a little bit more for those models than the cheapest small SUVs and crossovers at the top of the rankings, but they still have an average cost of $176 or less per month.

The next table breaks down the 30 models with the cheapest car insurance in Clarksville, sorted by annual and monthly insurance cost.

A table of 30 of the cheapest vehicles to insure in Clarksville is great if you’re just looking for low rates. A more useful way to group and rank auto insurance rates for more vehicle models is to sort them by their automotive segment.

This next article section talks about the cost of car insurance based on automotive segment. These rates should provide a good foundation of which types of cars, trucks, and SUVs that have the overall best average auto insurance rates. Then the subsequent sections will break out the cheapest insurance rates for specific models for each segment.

Clarksville auto insurance rates by vehicle segment

If you’re shopping around for a different vehicle, it’s advantageous to know which kinds of vehicles have better car insurance rates in Clarksville.

To illustrate this, maybe you want to know if compact SUVs have cheaper insurance than midsize SUVs or if regular SUVs have cheaper auto insurance than luxury SUVs.

The next chart displays average car insurance cost by vehicle segment in Clarksville. From an overall average perspective, small SUVs and midsize pickups tend to have the cheapest average rates, while large luxury, performance, and sports cars have the highest average cost to insure.

Rates by different vehicle segments can be used for general comparisons, but cost varies quite significantly within each vehicle category shown above.

For example, in the small SUV segment, auto insurance rates in Clarksville range from the Subaru Crosstrek at $1,792 per year to the Ford Mustang Mach-E at $2,840 per year, a difference of $1,048 within that segment. For another example, in the midsize truck segment, insurance rates range from the Chevrolet Colorado costing $2,138 per year to the Rivian R1T costing $3,028 per year.

In the following sections, we reduce this variability by looking at car insurance cost in Clarksville from a model perspective.

Cars with cheap auto insurance in Clarksville, Tennessee

In our comparison, the top five cheapest non-luxury cars to insure in Clarksville are the Toyota GR Corolla, Nissan Leaf, Honda Civic, Nissan Sentra, and Subaru Impreza. Average rates for for these five models range from $2,108 to $2,232 per year.

Other cars that rank well include the Toyota Corolla, Toyota Prius, Chevrolet Malibu, and Kia K5, with an average car insurance cost of $2,366 per year or less.

Additional cars worth mentioning include the Mitsubishi Mirage G4, Hyundai Sonata, Toyota Crown, Subaru Legacy, and Volkswagen Jetta, which average between $2,366 and $2,510 per year for auto insurance.

On a monthly basis, car insurance rates in this segment for a safe driver starts at an average of $176 per month, depending on the company and where you live.

If rates are ranked by vehicle size, the cheapest compact car to insure in Clarksville is the Toyota GR Corolla at $2,108 per year. For midsize models, the Kia K5 has the best rates at $2,340 per year. And for full-size non-luxury cars, the Chrysler 300 has the cheapest car insurance rates at $2,314 per year.

The comparison table below ranks the cars with the most affordable car insurance in Clarksville, starting with the Toyota GR Corolla at $2,108 per year ($176 per month) and ending with the Mazda 3 at $2,510 per year ($209 per month).

See our guides for compact car insurance, midsize car insurance, and full-size car insurance to compare rates for all makes and models.

Looking for rates for a different vehicle? No problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from the best auto insurance companies in Tennessee.

SUVs with affordable car insurance

The top-ranked model in Clarksville for cheapest average insurance rates in the non-luxury SUV segment is the Subaru Crosstrek, coming in at $1,792 per year. Second place is the Chevrolet Trailblazer costing $1,824 per year, and coming in third is the Kia Soul, costing an average of $1,894 per year.

Additional models that have affordable average insurance rates are the Toyota Corolla Cross, Ford Bronco Sport, Hyundai Venue, and Buick Envision, with an average cost of $1,988 per year or less.

From a monthly standpoint, full-coverage insurance in Clarksville on this segment for a safe driver starts at an average of $149 per month, depending on your location and insurance company.

The rate comparison table below ranks the SUVs with the cheapest average insurance rates in Clarksville, starting with the Subaru Crosstrek at $1,792 per year ($149 per month) and ending with the Subaru Ascent at $2,112 per year ($176 per month).

For all vehicle comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.

Don’t see rates for your SUV? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Tennessee.

Cheapest luxury cars to insure in Clarksville

The top three luxury car models with the most affordable average auto insurance rates in Clarksville are the Acura Integra at $2,158 per year, the BMW 330i at $2,472 per year, and the Mercedes-Benz CLA250 at $2,498 per year.

Rounding out the top 10 are cars like the Genesis G70, Cadillac CT4, Lexus RC 300, and Lexus ES 350, with average annual insurance rates of $2,552 per year or less.

Ranked in the lower half of the top 20, cars like the Lexus ES 300h, Lexus RC 350, Jaguar XF, BMW 228i, and BMW 330e average between $2,552 and $2,722 per year to insure in Clarksville.

Auto insurance in Clarksville for this segment for an average middle-age driver starts at an average of $180 per month, depending on your company and location.

The cheapest small luxury car to insure in Clarksville is the Acura Integra at $2,158 per year. For midsize 2024 models, the Mercedes-Benz CLA250 has the cheapest rates at $2,498 per year. And for large luxury cars, the Audi A5 has the best rates at $2,884 per year.

The rate comparison table below ranks the twenty luxury cars with the cheapest insurance in Clarksville, starting with the Acura Integra at $2,158 per year and ending with the Audi S3 at $2,722 per year.

See our guide for luxury car insurance to compare rates for all makes and models.

Looking for a different vehicle? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Clarksville car insurance quotes from top auto insurance companies in Tennessee.

Cheap luxury SUV insurance rates in Clarksville

Ranking at the top for the lowest-cost Clarksville car insurance rates in the luxury SUV segment are the Cadillac XT4, Cadillac XT5, Jaguar E-Pace, Lexus NX 250, and Acura RDX. Auto insurance rates for these 2024 models average $2,290 or less per year, or around $191 per month.

Rounding out the top 10 are luxury SUVs like the Mercedes-Benz GLB 250, Lexus NX 350h, Lexus UX 250h, and Lincoln Corsair, with average rates of $2,338 per year or less.

Full-coverage car insurance for this segment in Clarksville starts at around $169 per month, depending on where you live. The table below ranks the twenty luxury SUVs with the cheapest insurance in Clarksville.

For all luxury SUV comparisons, see our complete guide for luxury SUV insurance.

Don’t see your vehicle? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top companies in Tennessee.

Most affordable sports cars to insure

The three top-ranked sports cars with the most affordable average auto insurance rates in Clarksville are the Mazda MX-5 Miata at $2,248 per year, the Toyota GR86 at $2,558 per year, and the Ford Mustang at $2,668 per year.

Additional models that have affordable average insurance rates are the Subaru BRZ, Toyota GR Supra, BMW M2, and Nissan Z, with an average car insurance cost of $2,902 per year or less.

Full-coverage car insurance for this segment in Clarksville for a good driver will start around $187 per month, depending on the company. The next table ranks the twenty sports cars with the cheapest average insurance rates in Clarksville, starting with the Mazda MX-5 Miata at $2,248 per year and ending with the Porsche Taycan at $4,112 per year.

Don’t see your sports car in the list? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top companies in Tennessee.

Pickup trucks with cheap car insurance

Ranking in the top five for the lowest-cost Clarksville car insurance rates in the pickup segment are the Ford Maverick, Ford Ranger, Nissan Frontier, Chevrolet Colorado, and Nissan Titan. Auto insurance prices for these vehicles average $2,356 or less per year.

Rounding out the top 10 are pickups like the Honda Ridgeline, GMC Canyon, Hyundai Santa Cruz, and GMC Sierra 2500 HD, with average insurance cost of $2,496 per year or less.

As a cost per month, car insurance rates in Clarksville on this segment will start around $178 per month, depending on the company. The rate comparison table below ranks the twenty pickups with the lowest-cost average auto insurance rates in Clarksville.

See our guides for midsize pickup insurance and large pickup insurance to compare rates for all truck makes and models.

Is your pickup truck missing from the table above? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Clarksville car insurance quotes from top auto insurance companies in Tennessee.

Money-saving tips for finding affordable car insurance

Financially savvy drivers are always looking to reduce their monthly auto insurance expenses, so take a minute to review the money-saving ideas in this next list and see if you can save a little dough on your next auto insurance policy.

• Shop around and save. Setting aside 5-10 minutes to get free car insurance quotes is our best recommendation for saving the most money. Rates change often and you can switch anytime.
• Remove unneeded coverage on older vehicles. Dropping physical damage coverage (comprehensive and collision) from older vehicles can cheapen the cost to insure substantially.
• Make your policy cheaper by raising deductibles. Increasing your policy deductibles from $500 to $1,000 could save around $382 per year for a 40-year-old driver and $742 per year for a 20-year-old driver.
• Safe drivers have lower auto insurance rates. Multiple at-fault accidents raise rates, potentially by an extra $3,464 per year for a 20-year-old driver and even as much as $592 per year for a 60-year-old driver. So be a careful driver and save!
• Buy vehicles with more affordable insurance. The make and model of vehicle you drive is one of the biggest factors in the price you pay for car insurance in Clarksville. As an example, a Subaru Outback costs $836 less per year to insure in Clarksville than a Subaru BRZ. Less performance equals cheaper rates.
• Remain claim free. Insurance companies offer discounts if you have not filed any claims. Auto insurance should only be used to protect you from large financial hits, not minor claims that should be paid out-of-pocket.