The Cheapest Car Insurance Companies in Clarksville
Full coverage car insurance includes indebtedness, comprehensive and collision coverages. It financially protects the driver from most circumstances with its wide coverage. MoneyGeek ’ s research shows these insurers offer the cheapest full coverage car insurance policies for an average driver in Clarksville :
- GEICO: $620 per year
- State Farm: $713 per year
At $ 551 per year, USAA is another low-cost option, but it ’ s merely available to military members and their families. It is the cheapest supplier in Clarksville at just over 76 % less than MetLife, the city ’ s most expensive provider .
Cheapest Car Insurance in Clarksville
Full Coverage 100/300/100
- company 100/300/100per year
- 1 .USAA $551
- 2 .GEICO $620
- 3 .State Farm $713
- 4 .Erie $716
- 5 .Progressive $738
- 6 .Farmers $800
- 7. Tennessee Farmers $834
- 8 .Travelers $902
- 9 .Nationwide $936
- 10 .Allstate $941
- 11 .MetLife $971
Following MoneyGeek ’ sulfur methodology, the approximate car policy rates in this guidebook are for a 40-year-old male driver in Clarksville with a wax coverage policy. Full coverage insurance includes comprehensive coverage, collision coverage, and the state ’ s minimal compulsory coverages. It is more expensive than a minimum coverage policy but offers extensive fiscal protection in font of an accident .
- Comprehensive Coverage: Pays for loss and repairs for damages due to weather events, theft, falling objects and other incidents not caused by a collision.
- Collision Coverage: Pays for vehicle repair expenses if you’re in an accident.
It ’ sulfur dependable to remember that a full coverage policy policy can be more expensive than your car ’ s surrogate rate if you have an older fomite. In that case, a liability-only or country minimal policy policy is recommended to obtain the most low-cost rates possible .
Compare Car Insurance Rates in Clarksville
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Cheapest Car Insurance in Clarksville for Minimum Coverage
If you ’ ra looking for Clarksville ’ s most low-cost car insurance, consider a department of state minimum policy. such policies are significantly cheaper than full coverage, but lack comprehensive and collision coverages, exposing the driver to serious fiscal risks in case of an accident. MoneyGeek ’ s study reveals these companies offer the most low-cost minimal coverage policies :
- GEICO: $301 per year
- Tennessee Farmers: $308 per year
USAA offers the most low-cost state minimum policies for drivers in Clarksville with a military background at $ 289 per annum. It ’ second $ 299 cheaper than Metlife, the city ’ s most expensive department of state minimal provider. Check the table below to see how costs vary depending on indebtedness coverage .
Cheapest Minimum Liability Car Insurance in Clarksville
- company State Minimumper year
- 1 .USAA $289
- 2 .GEICO $301
- 3. Tennessee Farmers $308
- 4 .Erie $323
- 5 .State Farm $328
- 6 .Progressive $347
- 7 .Farmers $405
- 8 .Nationwide $424
- 9 .Travelers $480
- 10 .Allstate $520
- 11 .MetLife $588
Drivers in the state of Tennessee are required to have a minimal coverage policy that includes coverage for bodily wound indebtedness, property damage indebtedness, uninsured motorist bodily injury and uninsured motorist property damage A minimal coverage policy is the brassy available cable car indemnity in Clarksville — buying one will reduce your monthly premiums quite a bite. however, in case of an accident, you may end up paying much more. In Tennessee, liability insurance covers $ 25,000 for bodily injuries per person. so, if you ’ ra at-fault in an accident and the other party ’ s checkup expenses reach $ 35,000, you ’ ll be creditworthy to pay the balance of $ 10,000 yourself .
Tennessee Minimum Liability Requirements
- detail description
- Bodily Injury and Property Damage $ 25,000 per person, $ 50,000 per accident and $ 15,000 for place damage. A more protective floor is 100/300/100 .
Cheapest Car Insurance in Clarksville if You Have Driving Violations
Your car policy rates can go up if you get a accelerate ticket, are charged with a DUI, an at-fault accident or early drive violations. It ’ sulfur smart to improve your driving history in order to have your rates lowered, but that takes time. In the interim your best option is to compare car indemnity offers to find the lowest rates. MoneyGeek ’ s research shows that the follow companies offer the brassy car policy policies in Clarksville for drivers with bad records :
- Cheapest after a ticket: GEICO, $706 per year
- Cheapest after an at-fault accident: Tennessee Farmers, $834 per year
- Cheapest after a DUI: State Farm, $777 per year
USAA is besides an low-cost choice for eligible members of the military. The insurance company has the most low-cost car indemnity premiums for drivers with a speed ticket and an at-fault accident record .
Cheapest Car Insurance in Clarksville With a Violation
- company Speeding Ticketper year
- 1 .USAA $652
- 2 .GEICO $706
- 3 .Erie $738
- 4 .State Farm $777
- 5. Tennessee Farmers $834
- 6 .Progressive $964
- 7 .Farmers $1,031
- 8 .Allstate $1,044
- 9 .Nationwide $1,076
- 10 .Travelers $1,239
- 11 .MetLife $1,416
Average Cost of Car Insurance in Clarksville
The average annual car insurance monetary value in Clarksville is $ 817. This is 19.7 % less than the Tennessee average and 42.6 % cheaper than the U.S. average.
Personalized Quotes to Get You the Cheapest Car Insurance in Clarksville
Auto insurers look at versatile factors to determine cable car indemnity quotes in Clarksville. These can include the driver ’ s old age and sex, force record, marital status and more. For exemplar, the modal GEICO policy for a 40-year-old male driver in Clarksville costs $ 620 per class. As that same driver ages, his premiums will likely change. It ’ s a good theme to regularly compare car insurance quotes from several providers to find cheap coverage that matches your life circumstances .
Compare Car Insurance Rates in Clarksville
guarantee you ‘re getting the best rate for your cable car insurance. Compare quotes from the top indemnity companies. widget-location-pin
The Best Car Insurance Companies in Clarksville
MoneyGeek analyzed Clarksville ’ s top car indemnity providers to help you find low-cost and choice insurers. Our analyze reveals that overall the best car insurance companies in the city are :
- Erie: MoneyGeek score of 93 out of 100
- Auto-Owners Insurance Co: MoneyGeek score of 90 out of 100
USAA received the best scores based on MoneyGeek ’ south rate system. however, because it ’ s only available to military members, veterans and their families, it is not listed as Clarksville ‘s best overall. MoneyGeek reviewed assorted factors to determine the final scores out of 100. These include J.D. Power drug user satisfaction, affordability and the insurance company ’ s fiscal constancy ratings .
1 USAA score : 95
4/5 Affordability 5/5 Claims Ratings 4/5 User Satisfaction A++ fiscal stability
2 Erie grade : 92.5
4/5 Affordability 5/5 Claims Ratings 4/5 User Satisfaction A+ fiscal stability
3 Auto-Owners Insurance Co sexual conquest : 90
4/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A++ fiscal stability
4 GEICO score : 85
3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A++ fiscal stability
5 State Farm score : 82.5
3/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A fiscal stability
6 Nationwide score : 80
2/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability
7 Travelers score : 80
2/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A++ fiscal constancy
8 MetLife score : 80
3/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A+ fiscal constancy
9 Safeco score : 77.5
3/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A fiscal stability
10 Progressive score : 77.5
3/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A+ fiscal stability
11 Allstate score : 75
2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A+ fiscal constancy
12 Liberty Mutual score : 75
2/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A fiscal stability
13 National General score : 72.5
3/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A- fiscal stability
Average Cost of Car Insurance by Postal Code
car insurance companies in Clarksville evaluate your neighborhood when calculating your car insurance premium. Communities with more frequent instances of car thefts and accidents can be more expensive since companies view them as bad to insure. Drivers in Clarksville who live in the 37043 ZIP code typically pay an average of $ 12 less per year for their car coverage than residents in the 37042 vicinity .
- Zip Code State Minimumper year
Factors That Impact Insurance Costs in Clarksville
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents besides contribute to car indemnity rates in Clarksville. How Clarksville ranks compared to the 300 most populous cities in the United States can have a significant shock on premium costs .
Most Accidents With Fatalities 42nd / 300
Most car Thefts 81st / 300
Most uninsured Motorists by State 5th / 50 personal Injury Protection Required No
Most annual rain 41st / 300
Most showery Days 82nd / 300
Methodology and Assumptions
MoneyGeek ’ south average premium rates for Clarksville are based on 100/300/100 comprehensive collision coverage with a $ 1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, placement and force record.