Clarksville drivers pay an average of $2,129/year — $358 more than the national average. With 2,077 crashes per year and a 2.9 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $593/year.
(888) 217-6781Estimated full coverage auto insurance rates for Clarksville, TN from top carriers. Rates are adjusted for Clarksville's 2,077 annual crashes, 2.9 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $809 | $135/mo |
| Tennessee Farmers | $879 | $147/mo |
| Progressive | $911 | $152/mo |
| State Farm | $993 | $165/mo |
| Allstate | $1,214 | $202/mo |
Estimates based on 2026 rate filings for ZIP 37040. GEICO is cheapest at ~$135/mo. Actual rates vary by driver profile and exact Clarksville location.
These Clarksville-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Clarksville, TN. Takes under 2 minutes.
(888) 217-6781Clarksville is a mid-size city in Tennessee with a population of 166,722. While it avoids the extreme congestion of larger metros, Clarksville has its own risk factors — growing commuter traffic, expanding development, and severe thunderstorms, tornadoes, flooding, ice storms — that shape local auto insurance rates. Drivers in Clarksville typically pay close to the Tennessee state average, with significant variation by ZIP code and neighborhood.
For official Tennessee insurance regulations, visit the Tennessee Department of Commerce and Insurance. For driver licensing, see the Tennessee Driver Services.
Your specific ZIP code within Clarksville can swing your premium by hundreds of dollars. Here's how rates compare across Clarksville neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 37055 | Clarksville South Side | $1,983/yr | $165/mo |
| 37042 | Clarksville North Side | $2,100/yr | $175/mo |
| 37056 | Clarksville West Side | $2,110/yr | $176/mo |
| 37042 | Clarksville East Side | $2,129/yr | $177/mo |
| 37040 | Clarksville Downtown/Central | $2,264/yr | $189/mo |
The cheapest ZIP is 37055 (Clarksville South Side) at $1,983/yr. The most expensive is 37040 (Clarksville Downtown/Central) at $2,264/yr — a $281/year difference for the same driver.
Your Clarksville ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Clarksville. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $4,471/yr | $373/mo | +110% vs avg |
| Young Adult (20-25) | $2,981/yr | $248/mo | +40% vs avg |
| Adult (26-35) | $2,129/yr | $177/mo | 0% vs avg |
| Mid-Career (36-50) | $1,874/yr | $156/mo | -12% vs avg |
| Senior (51-65) | $1,767/yr | $147/mo | -17% vs avg |
| 65+ | $1,895/yr | $158/mo | -11% vs avg |
Teens in Clarksville pay an average of $4,471/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,767/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Tennessee cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Clarksville drivers can save up to $593/year. ZIP 37055 (Clarksville South Side) has the lowest rates starting at $1,983/yr.
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