For a 40-year-old driver with a clean record, Clarksville car insurance averages about $191 a month ($2,296 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s about the same as the Tennessee average of $187 a month. Full-coverage averages in Clarksville run from about $126 to $258 a month across the three major insurers we compared (Allstate, GEICO and Progressive).
Clarksville is priced about the same as Nashville for our benchmark driver and about $4 a month above the Tennessee average.
Our data covers three ZIP codes with a Clarksville mailing address, all within a few dollars of each other.
Cost data comes from the auto rates insurers file with state regulators, priced across all three Clarksville ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
How Much Is Car Insurance in Clarksville, TN?
Full coverage in Clarksville averages $2,296 a year, or about $191 a month, for our benchmark driver. Liability-only coverage at 25/50/15 limits averages $716 a year ($60 a month), and 50/100/50 liability with comprehensive and collision averages $2,263 ($189 a month).
- Full coverage (100/300/100, $500 deductibles): $2,296 a year ($191 a month)
- 50/100/50 with $500 deductibles: $2,263 a year ($189 a month)
- Liability only (25/50/15): $716 a year ($60 a month)
- Montgomery County: $2,296 a year ($191 a month) for full coverage
- Tennessee average: $2,238 a year ($187 a month) for full coverage
- ZIP code range: $190 (37043) to $193 (37042) a month for full coverage
Cheap Car Insurance in Clarksville: Companies Compared
- Full-coverage range: about $126 to $258 a month across the three insurers in our rate data, for the same driver and car.
- Liability only (25/50/15): about $32 to $84 a month across the three insurers.
- State Farm (Nov. 2025 rates)*: about $227 a month for full coverage, from its November 2025 rates.
- Also on our list: Travelers at about $120 a month, USAA at $124, Auto-Owners at $145, Tennessee Farm Bureau at $163 and Erie at $169 (USAA sells only to military families).
- Most expensive in our data: Allstate, at about $258 a month.
Progressive’s Clarksville average, about $126 a month, is 33% below GEICO’s ($189), a lead wide enough that we show the range instead of naming a single cheapest insurer. The published 2026 statewide Tennessee rate studies we reviewed most often rank Travelers cheapest for full coverage: four of the six put it first, apart from USAA, which sells only to military families. For liability-only coverage at 25/50/15 limits, averages run from about $32 to $84 a month; the lowest is far enough below the rest that we don’t name a cheapest insurer for that coverage level.
Full-coverage averages by insurer in Clarksville
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 25/50/15 (Yearly): | Liability Only 25/50/15 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Progressive | $384 | $32 | $1,515 | $126 |
| GEICO | $751 | $63 | $2,273 | $189 |
| Allstate | $1,013 | $84 | $3,100 | $258 |
| State Farm (Nov. 2025 rates)* | $683 | $57 | $2,724 | $227 |
| Travelers* | $485 | $40 | $1,444 | $120 |
| USAA (military families)* | $419 | $35 | $1,488 | $124 |
| Auto-Owners* | $519 | $43 | $1,739 | $145 |
| Tennessee Farm Bureau* | $489 | $41 | $1,958 | $163 |
| Erie Insurance* | $511 | $43 | $2,033 | $169 |
| Clarksville average | $716 | $60 | $2,296 | $191 |
This table uses Clarksville ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.
Clarksville Car Insurance Rates by ZIP Code
Across the three Clarksville ZIP codes we price, full coverage for our driver ranges from about $190 a month in 37043 to $193 in 37042, a gap of $39 a year. 37040, 37042 and 37043 are within a few dollars of each other in our data.
Lowest-priced Clarksville ZIP code
Highest-priced Clarksville ZIP code
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Clarksville’s average.
| ZIP Code: | Liability Only 25/50/15 (Yearly): | Liability Only 25/50/15 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 37040 | $716 | $60 | $2,296 | $191 | About average |
| 37042 | $723 | $60 | $2,316 | $193 | +1% |
| 37043 | $709 | $59 | $2,277 | $190 | -1% |
Your ZIP code matters
How Much More Does Better Coverage Cost in Clarksville?
Raising liability limits from 50/100/50 to 100/300/100 adds only about $33 a year on average in our Clarksville data, with the same $500 deductibles. The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. GEICO charges less for 100/300/100 than for 50/100/50 for our benchmark driver.
Is Car Insurance Going Up in Clarksville?
Not for full coverage, for our benchmark driver. Comparing the same insurers in the same Clarksville ZIP codes, full coverage averaged $2,318 a year nine months earlier and $2,296 in rates as of Aug. 31, 2026, a 0.9% drop. Progressive cut its Clarksville average 9.3%, while GEICO raised its average 4.2%; Allstate’s average was unchanged. State Farm’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 25/50/15 limits rose 5.6%, led by Progressive, which raised its liability-only average 16.0%.
What Shapes Car Insurance Costs in Clarksville
Montgomery County averages about $191 a month for full coverage, the 13th-most expensive of the 89 Tennessee counties we price, and Clarksville is the only city in it with more than one ZIP code in our data.
Clarksville is next to Fort Campbell, and military families there can also check USAA, which sells only to them; its row in our table is an estimate. Tennessee insurers price by location as well as by driver and car, so your ZIP code can move your price.
How Clarksville Car Insurance Compares With Other Tennessee Cities
More Tennessee cities and towns are in the Tennessee rates by city table, and you can compare states on our car insurance rates by state page.
Nashville, about 40 miles southeast, averages $192 a month, and Hendersonville $177.
What Car Insurance Is Required in Clarksville?
Drivers in Clarksville follow Tennessee’s rules. Every vehicle must be covered by at least:
- Bodily injury liability of $25,000 per person and $50,000 per crash
- Property damage liability of $25,000 per crash
- Or a $65,000 single-limit policy instead of split limits
Our Tennessee requirements guide covers the details and how the state checks your coverage.
How to Lower Your Car Insurance Rate in Clarksville
- Compare Progressive and GEICO first. They have the two lowest full-coverage averages among the three major insurers we compared in Clarksville, about $126 and $189 a month.
- Quote several insurers. Among the three major insurers we compared in Clarksville, the lowest and highest averages are about $132 a month apart for the same driver and car.
- Make sure your coverage is tied to your car’s VIN. Tennessee’s insurance check matches your registration to your insurer’s records by VIN, according to the Department of Revenue, so answer any notice within 30 days.
- Compare at every renewal. Over the past nine months, Progressive has cut its Clarksville average 9.3%, while GEICO has raised its average 4.2%, so the order in our table can shift.
- Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which auto insurance discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how deductibles affect your rate.
- Insure your car and home together. A multi-policy discount is a common way to save, so check average home insurance rates in Tennessee, and compare home insurance quotes alongside your car quotes. Renting? A renters insurance policy can qualify too.
Ready to compare
How We Calculated Clarksville Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
- Sample: nine full-coverage premiums from three insurers across three Clarksville ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
- Insurer count: our Tennessee averages come from three insurers, fewer than in most states, so they can move more when one insurer changes its prices. We publish them as calculated, without adjustment.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at 25/50/15 limits, with 25/50 uninsured and underinsured motorist coverage and no comprehensive or collision. Tennessee’s minimum is now 25/50/25, so our liability-only prices use lower limits than the law requires.
- Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied.
- Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. State Farm isn’t in the August 2026 rates, so it’s left out of rate-change comparisons; the other three insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Insurers marked *: priced from published 2026 Tennessee rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings. The State Farm row shows its November 2025 rates, so it isn’t included in our averages or rankings.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from Tennessee law and the Tennessee Department of Commerce and Insurance. We refresh these figures when new rate data is released.
Clarksville Car Insurance FAQ
For our benchmark driver, full coverage in Clarksville averages about $191 a month ($2,296 a year) and liability-only coverage at 25/50/15 limits about $60 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is about the same as the Tennessee average of $187 a month.
It depends on the coverage. For full coverage, averages in Clarksville run from about $126 to $258 a month across the three major insurers we compared, and the gap between the two lowest is too wide for us to call one insurer the cheapest. For liability-only coverage at 25/50/15 limits, averages run from about $32 to $84 a month. Four of the six published 2026 statewide Tennessee rate studies we reviewed rank Travelers cheapest for full coverage, apart from USAA. Rates vary by driver, so compare quotes for your own car and ZIP code.
They’re about the same for our benchmark driver: Clarksville full coverage averages about $191 a month and Nashville about $192.
In our data, 37043 has the lowest full-coverage average in Clarksville, at about $190 a month, and 37042 the highest, at about $193. The ZIP code table on this page lists all three.
In our Clarksville data, full coverage (100/300/100 with $500 deductibles) averages about $191 a month and liability-only coverage at 25/50/15 limits about $60, a difference of about $131 a month ($1,580 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Tennessee law doesn’t require full coverage, but a lender or leasing company may.
Not for full coverage, for our benchmark driver. Comparing the same insurers and ZIP codes, Clarksville full coverage fell 0.9% over the past nine months, from about $2,318 to $2,296 a year. Progressive cut its Clarksville average 9.3%, while GEICO raised its average 4.2%. Liability-only coverage at 25/50/15 limits rose 5.6%.
For our benchmark driver, full coverage in Clarksville averages about $191 a month. Nearby, Nashville averages about $192, Hendersonville about $177 and Franklin about $169. Hendersonville and Franklin are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
