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2024

Last updated:

Best Local Car Insurance Agencies in Clarksville

Our Recommended Top 10

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Clarksville Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

77

Reviewed

50

Curated

10

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
120 Center Pointe Drive, Clarksville, TN 37040
  • Motorcyle & ATV
  • Golf Cart & Scooter

Why choose this provider?

Higgins Insurance is a family-owned agency based in Clarksville that has been offering auto insurance services and solutions to individuals since 1897. Archie Higgins established the business with the goal of protecting people through its customized car insurance plans, which include medical, personal injury protection, liability, collision, and comprehensive coverages. As an independent agency, it works with various carriers to provide options for clients' preferred policies. Higgins Insurance also deals with life, home, condo, and renters' insurance.

License Verified:

License: 4079

Tennessee Department Of Commerce & Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
111 North Riverside Drive, Clarksville, TN 37040
  • Bundling Option

Why choose this provider?

Augustine Insurance & Financial Services, Inc., is a locally owned and operated insurance agency in Clarksville. Since 1972, it has been providing tailored auto insurance policies. Standard coverage options include liability, collision, comprehensive damage, uninsured/underinsured motorist, and medical payments. More options can be added, such as SR-22 insurance for high-risk drivers and coverages for learners. The company's agents shop for insurance quotes from multiple A+ carriers to provide clients a variety of options that are suitable for their needs and budgets.

License Verified:

License: 755723

Tennessee Department Of Commerce & Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.6 / 5 (117)
Facebook
5.0 / 5 (7)
Yelp
3.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
608 North Main Street, Goodlettsville, TN 37072
  • Multiple Carriers
  • Motorcyle & ATV

Why choose this provider?

Hometown Insurance Services, LLC, provides auto coverage solutions to clients in Clarksville. It offers policies that cover physical damages to vehicles caused by collisions or non-collision incidents such as theft. It also offers options that cover personal injury and property damage liability, uninsured motorists, rental reimbursement, and medical reimbursements for injuries sustained by a driver or passenger in a policyholder's vehicle. Hometown Insurance Services also counsels clients on the scope, limitations, and state requirements imposed on their policies.

License Verified:

License: 2403466

Tennessee Department Of Commerce & Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (14)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1997 Madison Street, Clarksville, TN 37043
  • Multiple Carriers

Why choose this provider?

Established in 1946, MSC Insurance is a locally owned and independent agency that offers car insurance services. It provides a comprehensive suite of insurance solutions for individuals, families, and businesses in Clarksville and the nearby areas. Its car insurance plans protect clients against potential financial losses that are associated with car accidents and theft. Its team of agents uses modern technology and innovates its programs, such as the MSC360 risk management process, to customize plans for customers.

License Verified:

License: 2443

Tennessee Department Of Commerce & Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (16)
Facebook
5.0 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
798 Iron Wood Circle, Clarksville, TN 37043
  • Multiple Carriers

Why choose this provider?

Hamric Insurance Group takes care of the insurance demands of clients in Clarksville and neighboring areas. The agency offers a wide range of insurance options, including car, home, boat, commercial, and life insurance. It represents a vast network of insurance companies to ensure clients find the best auto insurance solutions that meet their needs. The agency is committed to creating strong relationships with its clients. Hamric Insurance Group is owned by John Hamric, who is an Army veteran with years of experience in the insurance and financial industry.

License Verified:

License: 2408644

Tennessee Department Of Commerce & Insurance

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
7185 Whites Creek Pike, Nashville, TN 37080
  • Multiple Carriers

Why choose this provider?

Anderson-Perry Insurance is an independent agency that services Clarksville and several Tennessee counties. Since 1975, it has been customizing auto insurance policies that protect vehicle owners against financial loss in cases of thefts or accidents. Its agents provide quick and accurate quotes that cover clients' insurance needs and current situations. They also offer a no-obligation review and comparison of insurance policies. Anderson-Perry Insurance uses a partnership approach when interacting with clients to establish a lasting relationship with them.

License Verified:

License: 2029174

Tennessee Department Of Commerce & Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (3)
Google
5.0 / 5 (1)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
611 Main Street, Springfield, TN 37172
  • Motorcyle & ATV
  • Golf Cart & Scooter

Why choose this provider?

Holman & Holman Agency, Inc., is a family-owned insurance company that covers clients in Clarksville. Its agents offer auto insurance plans and talks with clients to assess the possible risks to their car. The company's options include standard coverage for general damages and high-risk coverage for frequent collisions or malfunctions. The company has been providing insurance plans since 1969 and caters to owners of other vehicles, like motor homes and ATVs. It also covers special collector's item or classic cars.

License Verified:

License: 5770

Tennessee Department Of Commerce & Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (2)

Website
6213 Charlotte Pike, Nashville, TN 37209
  • Multiple Carriers
  • Bundling Option

Why choose this provider?

Zander Insurance is a Tennessee-based insurance agency providing insurance products and services to residents of the Nashville and Clarksville areas. Its team of insurance specialists is proficient in building comprehensive car insurance policies catering to the clients' specific needs and requirements. Their auto policies are inclusive of coverage for property damage and bodily injury liability, collisions and other accidents, property damage and theft, and gap protection. Zander Insurance represents a wide selection of carriers, including Auto-Owners, SafeCo, The Hartford, and AAA.

License Verified:

License: 2002205

Tennessee Department Of Commerce & Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1820 Madison Street, Clarksville, TN 37043
  • Multiple Carriers

Why choose this provider?

BFS Insurance Group is a Clarksville-based independent insurance agency specializing in providing intelligent insurance solutions throughout Tennessee. The agency offers auto insurance providing protection against financial losses for clients' car or truck if it is stolen, damaged or destroyed by fire, damaged in a car accident that doesn’t involve any other vehicles, or damaged by an uninsured driver. Representing many different insurance companies that offer a wide range of insurance solutions, the agency also offers off-road vehicles, motorcycles, RV, watercraft, and classic car insurance.

License Verified:

License: 6232

Tennessee Department Of Commerce & Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (54)
Facebook
5.0 / 5 (20)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
35 B Crossland Avenue, Clarksville, TN 37040
  • Multiple Carriers

Why choose this provider?

Mid South Insurance is a locally owned and operated independent agency that offers a range of insurance options for cars, boats, and recreational vehicles. In addition to the minimum required insurance, the auto insurance policy also includes optional coverages such as rental reimbursement, income loss, and extraordinary medical benefits. With an emphasis on serving the communities in which it operates since its inception in 1955, the agency caters to clients in Clarksville and the surrounding areas.

License Verified:

License: 2316203

Tennessee Department Of Commerce & Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (3)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • Does regular car insurance in Clarksville cover you when driving a rental car?

    Most personal auto insurance policies in Clarksville extend liability, medical payments, and uninsured motorist coverage to a rental car. Additionally, physical damage coverage, like collision and comprehensive, applies to a rental vehicle if included in your auto insurance package. However, note that certain requirements may apply, such as having at least one vehicle on your policy with full coverage. Reviewing your policy and consulting your insurance provider is advisable for full understanding.

  • What are the minimum car insurance coverage requirements in Clarksville?

    In Clarksville, the minimum car insurance coverage requirements are set at 25/50/15, with drivers mandated to have at least $25,000 in bodily injury coverage per person, $50,000 in bodily injury coverage per accident if multiple people are injured, and $15,000 in property damage coverage per accident. These limits ensure that drivers have a baseline level of financial protection to cover injury and property damage costs resulting from accidents.

  • How are car insurance rates determined in Clarksville?

    Car insurance rates in Clarksville are determined by various factors, including the make, model, and year of the vehicle, as well as personal details like driving history, age, occupation, and credit score. Insurers use a combination of these elements to calculate premiums. It's important to compare quotes from multiple insurers to find the most competitive rates based on your unique circumstances and coverage needs.

  • What are some potential reasons for a Clarksville car insurance claim to be denied?

    There are several potential reasons for a car insurance claim to be denied, such as sharing fault in the accident, being intoxicated while driving, omitting a new vehicle from your policy, allowing your coverage to lapse due to missed premiums, not having sufficient evidence of injury, or if the claim exceeds your policy limits. Understanding your policy terms and acting responsibly is crucial to prevent insurance claim denials in Clarksville.

  • What types of car insurance discounts are available in Clarksville?

    In Clarksville, several car insurance discounts are commonly available, including upfront payment discounts, which offer savings when paying the annual premium in advance. Safety feature discounts reward vehicles equipped with safety enhancements, like automatic seat belts and anti-theft alarms. Multi-car discounts offer reduced rates when insuring multiple vehicles under a single policy. Lastly, the multi-policy discount encourages bundling different insurance policies, such as homeowner's or life insurance, with car insurance to receive substantial premium discounts.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.