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Best Cheap Car Insurance in Clarksville

According to Allstate’s 2019 America’s Best Drivers Report, Clarksville, Tennessee is ranked 47 out of 200 cities in terms of driver safety. The report states that the average Clarksville driver goes just over 10 years between auto insurance claims. Clarksville also offers relatively cheap car insurance rates at averages of $390 annually for minimum coverage and $1,288 annually for full coverage.

While Clarksville drivers may be among the safest in the country, many drivers still need affordable insurance coverage for when the unexpected occurs. To help Clarksville drivers access the cheapest car insurance rates with the highest quality service, our team evaluated the five best car insurance companies in the city based on affordability, available discounts, breadth of coverage and average customer satisfaction scores.

Best Car Insurance Companies in Clarksville

The following table illustrates the five best car insurance companies in Clarksville based on affordability, coverage options, available discounts and average customer satisfaction:

Insurance Company J.D. Power Score (Southeast region) Average Annual Premium for Minimum Coverage Average Annual Premium for Full Coverage
Geico 857 / 1000 $238 $962
Grange N/A $260 $995
USAA *909 / 1000 $331 $1,074
Nationwide 828 / 1000 $379 $1,145
Travelers 828 / 1000 $382 $992

*USAA is considered rank-ineligible due to membership restrictions to military service members and their family.

Geico

Geico offers Clarksville drivers the lowest average car insurance rates in the city, featuring a broad range of coverage options and available discounts that could make its already-low rates even more affordable. The insurance provider offers coverage options for uninsured or underinsured motorists, emergency road service, rental reimbursement and mechanical breakdown. They also provide an impressive range of discounts for policyholders, including for vehicle safety equipment, driving history and habits, driver’s education, driver affiliations and customer loyalty.

Grange

A close second to Geico’s affordability, Grange also offers many savings for multi-policy, safety technology, loyalty and getting a quote in advance of your current policy ending. Grange also offers add-on coverage options similar to Geico, along with identity theft protection, original equipment manufacturer coverage, mobile device coverage, gap insurance and full glass repair.

Grange boasts a 4.43-star rating according to customer reviews left on their Better Business Bureau (BBB) profile, which is noteworthy even compared to other BBB-accredited businesses that have an A+ rating.

USAA

If you are a veteran or active military member living in Clarksville, USAA offers an excellent auto insurance option. Reasonably priced below the regional average, USAA provides optional add-on coverages to policyholders, including for personal injury protection and roadside assistance. The company also has military-specific discounts that can be used while on deployment, like for storing a vehicle on base. While USAA is not rank-eligible according to J.D. Power study award criteria, the company still boasts an impressive score of 909 out of 1,000 points for its customer satisfaction.

Nationwide

Not only is Nationwide one of the most affordable car insurance companies in Clarksville, but it also offers an impressive range of auto insurance coverage options. Included in the company’s add-on coverage options are towing and labor coverage, gap insurance, accident forgiveness and a total loss deductible waiver.

Travelers

Falling just below the regional average cost of car insurance, Travelers also provides several discounts including for owning a home, being a safe driver, having continuous insurance and driving hybrid or electric vehicles. Travelers makes policies customizable with add-on coverage options such as ride share and new car replacement.

Travelers’ NAIC customer complaint index score falls well below the national average of 1 at 0. This means Travelers experiences two times less complaints than the average auto insurer in the nation.

Cheapest Car Insurance in Clarksville

In Tennessee, the average cost of car insurance is $371 annually for minimum coverage and $1,338 annually for full coverage. Compared to the national average annual rates of $564 for minimum coverage and $1,674 for full coverage, Clarksville falls somewhere in the middle of Tennessee and U.S. rates. However, Clarksville residents could secure auto insurance coverage for cheaper costs when choosing from one of the least expensive car insurance companies in the area.

The following table identifies the cheapest car insurance rates from the most popular carriers in the region based on market share:

Insurance Company Average Annual Premium for Minimum Coverage Average Annual Premium for Full Coverage
Geico $238 $962
USAA $331 $1,074
Erie $378 $1,613
Nationwide $379 $1,145
Travelers $382 $992

One company on this list that has not yet been discussed is Erie. In terms of coverage options, Erie has plenty to offer from pet coverage and roadside assistance to personal item coverage and locksmith services. Additionally, the company offers the Erie Rate Lock, which prevents your insurance rate from increasing over time unless you make changes to your policy.

Erie also features strong customer satisfaction of 871 out of 1,000 points on the 2020 J.D. Power Auto Insurance Study for the Southeast region. Moreover, the company’s NAIC Company Complaint Index score falls below the industry average at 0.78. While it is comparable in its offerings for standard and optional coverage, Erie is similar to USAA in that its policies are limited. Although it is offering to all kinds of drivers, Erie is only available in 12 U.S. states including Tennessee.

Clarksville Insurance Requirements

Each state provides specific requirements on the amount of auto insurance each driver should have in order to legally drive in the state. In Tennessee, drivers must have 25/50/15 minimum insurance coverage, which includes:

  • $25,000 of liability coverage for bodily injury of one person per accident
  • $50,000 of liability coverage for total bodily injury per accident
  • $15,000 of liability coverage for property damage per accident

Minimum liability coverage is used to pay for medical expenses, property damage, and other costs associated with driver, passenger, and pedestrian injuries caused by an auto accident. However, this coverage is only extended up to the specific coverage limits, and may not be used for things like rental car reimbursement or roadside assistance. Therefore, many insurance experts recommend that drivers carry more than the state’s minimum required insurance coverage. In the case that you are financing a vehicle, full coverage might also be required.

Car Insurance Discounts in Clarksville

Clarksville drivers can further reduce their premiums by taking advantage of available discounts. The following are just some of the discounts that the best car insurance companies in the city offer:

  • Safe Driver: Typically, safe driving discounts are applied if the policyholder has a clear driving history, meaning they have had no traffic violations or reported accidents in at least five years.
  • Multi-policy: By bundling with a homeowners insurance policy, Clarksville drivers can save additional money on their monthly premium.
  • Safety Equipment: If your car is equipped with certain safety devices, such as theft alarms, you may be eligible for discounts through your insurer. To figure out which safety features are eligible for discounts through your carrier, speak with your provider as each company could offer different discounts for different equipment.
  • Good Student: Younger drivers still in high school or college may be eligible for the good student discount if they provide their report card to their insurance carrier and have at least a B-average.

Each insurance carrier applies discounts differently, so it is important to ask what the eligibility requirements are and what discounts are available through your selected carrier in the first place. The more discounts you are able to redeem, the more of an impact it could have on your monthly premium in terms of affordability.

Frequently Asked Questions

What is the best car insurance company?

The best car insurance company largely depends on your specific coverage needs, budget, discount eligibility and desire for strong customer service. According to Bankrate’s research, GEICO has a great balance of affordability, customer satisfaction, and breadth of coverage for Clarksville drivers, but you could consider a multitude of other companies based on your criteria.

How much does car insurance in Clarksville cost?

The average cost of car insurance in Clarksville is $390 annually for minimum coverage and $1,288 annually for full coverage. However, residents could find rates even lower or higher depending on which insurance carrier they select and their personal driving record.

How much car insurance do I need in Clarksville?

According to state requirements, Clarksville drivers must have minimum coverage of 25/50/15, which offers protections for medical liability and property damage. However, as a more serious accident may call for more extensive coverage, carrying the minimum insurance could leave you with costs that exceed your coverage limits. For this reason, full coverage options including comprehensive and collision coverage are typically recommended.

Methodology

Bankrate utilizes Quadrant Information Services to analyze rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

Rates are determined based on 2020 Quadrant Information Services data.

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2018 Honda Accord, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

Source: on 2021-03-02 13:56:15

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