How Much Does Renters Insurance Cost in Clarksville, TN?
Clarksville pricing is 15% below the national average. Updated for 2026.
Based on local labor rates, varied climate conditions, and Clarksville's diversified economy.See our methodology
Renters Insurance Pricing in Clarksville, TN
Clarksville is one of the more affordable markets for renters insurance, with costs running about 15% below the national average. The city's diversified economy and balanced labor market create favorable conditions for competitive pricing. Getting multiple quotes from the 160K-population metro area is straightforward.
Local climate plays a direct role in renters insurance costs here. Extreme heat drives heavy HVAC demand; severe storms create periodic repair surges.
Market-specific factors matter in Clarksville: no state income tax in many Southern states helps keep overall costs lower.
Clarksville has moderate permitting requirements. Depending on the scope of your renters insurance project, you may need local permits. A licensed contractor will handle the permitting process as part of the job in most cases.
Clarksville vs National Average
What Affects Renters Insurance Cost in Clarksville?
Coverage
$20K personal property: $12-$20/mo. $50K: $18-$30/mo. $100K: $25-$45/mo
Location
Low-crime area: $10-$20/mo. High-crime urban: $20-$40/mo
Clarksville Market Conditions
no state income tax in many Southern states helps keep overall costs lower
Local Climate Impact
extreme heat drives heavy HVAC demand; severe storms create periodic repair surges
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Top-Rated Renters Insurance Pros in Clarksville, TN
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Tips to Save on Renters Insurance in Clarksville
- 1.Bundle with auto insurance for 10-20% discount
- 2.Raise your deductible to $1,000 to lower premiums
- 3.Most people overestimate coverage needs — inventory your belongings first
- 4.Security features (deadbolts, alarms) can earn discounts
📈 Renters Insurance in Clarksville Cost Trends (2020–2024)
Prices have increased +15.4% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $13 | — |
| 2021 | $14 | +7.7% |
| 2022 | $15 | +7.1% |
| 2023 | $15 | +0.0% |
| 2024 | $15 | +0.0% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Renters Insurance in Clarksville
Recent Reports
Frequently Asked Questions
Is renters insurance worth it?
At $15-25/month, it's one of the best insurance values. A single theft or fire could cost thousands to replace your belongings.
Why does renters insurance cost different in Clarksville than other cities?
Clarksville's costs reflect local labor rates driven by the diversified economy, varied climate conditions that affect materials and scheduling, and moderate permitting requirements. The balanced labor market also influences competitive pricing.
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