Insurance Agencies · Clarksville, TN/Updated June 13, 2026
The 10 Best Insurance Agents in Clarksville, TN
Navigating insurance can be tricky, but choosing the right agent makes all the difference. Here’s how to find the best in Clarksville.
MHMaya Hendricks · Home Services Editor Updated June 13, 2026 · Next review July 2026
Editorially independent10 companies evaluated
cover story
★ Editor's ChoiceLegacy Insurance
96Score
Latest update · June 13, 2026: Initial ranking published. 10 Clarksville-metro insurance agencies businesses evaluated, top 10 ranked by Vetted Score.
Insurance is essential for protecting your assets, health, and peace of mind in Clarksville. With a mix of well-reviewed leaders and smaller shops, it’s crucial to choose the right insurance agent who understands your unique needs.
We evaluated 10 insurance agencies, analyzing their ratings and customer reviews to create a list that reflects the best options available in the area. Each agency was scored on a transparent scale, ensuring that no one pays for placement, and we refresh this list monthly to keep it accurate.
10insurance agents evaluated in Clarksville
4.78average rating across the field
3.2Kcustomer reviews analyzed
Cityvetted analysis of public Google review data, updated June 13, 2026.
To rank the best insurance agents in Clarksville, we focused on customer satisfaction, which we gauged through review scores and the number of reviews. The agencies with higher ratings and substantial feedback stand out as trusted providers.
Our evaluation process is rigorous. Each agency was assessed independently, ensuring that the list reflects real experiences and not just marketing hype. We believe in transparency, so you can make informed decisions when selecting your insurance agent.
The Vetted Score: six weighted factors
Customer sentiment25%
Rating quality20%
Review volume & velocity20%
Website trust signals15%
Service breadth10%
Business longevity10%
Sentiment is measured by AI analysis of review text, recency-weighted, with verified-pattern checks to discount suspicious review bursts.
With an impressive 4.9 rating from 871 reviews, Legacy Insurance is a favorite among locals for its personalized service and expertise. Customers appreciate the thoroughness of their agents and the competitive rates offered. However, with such high demand, response times can occasionally be slower during peak times. A review base that deep is hard to game, and the score barely moves across it, which is the clearest consistency signal we track. Most of what reviewers hire it for is personalized insurance solutions. It serves Clarksville, TN, with $150 to $400 pricing, and the honest trade-offs are response times may vary and limited office hours.
Daniel Ingram - GEICO Insurance Agent holds a 4.9 rating from 852 reviews. Clients often highlight the affordability of policies and the ease of online management. While the GEICO brand offers many resources, some customers may find the personal touch lacking compared to smaller agencies. A review base that deep is hard to game, and the score barely moves across it, which is the clearest consistency signal we track. Most of what reviewers hire it for is affordable insurance policies. It serves Clarksville, TN, with $100 to $350 pricing, and the honest trade-offs are less personalized service and occasional wait times for support.
BFS Insurance Group has earned a solid 4.9 rating from 169 reviews, making it a popular choice for many Clarksville residents. Reviewers commend their knowledgeable agents and prompt service. However, with a smaller review base than the top two, it may be seen as less established in the community. That is a substantial body of feedback for a local operator, enough to trust the rating rather than credit a lucky streak. Most of what reviewers hire it for is knowledgeable insurance agents. It serves Clarksville, TN, with $120 to $370 pricing, and the honest trade-offs are smaller review base and limited product offerings compared to larger firms.
Pros
Knowledgeable agents
Quick service
Good community presence
Cons
Smaller review base
Limited product offerings compared to larger firms
Augustine Insurance has a solid 4.8 rating from 498 reviews, with many clients praising their attentive service and tailored policies. They are a great choice for those seeking customized insurance options. However, some customers have reported longer wait times during busy periods, which can be frustrating. A review base that deep is hard to game, and the score barely moves across it, which is the clearest consistency signal we track. Most of what reviewers hire it for is customized insurance options. It serves Clarksville, TN, with $130 to $390 pricing, and the honest trade-offs are longer wait times during busy periods and higher premiums for some policies.
Corey The Insurance Guy has a perfect 5.0 rating from 92 reviews. Clients appreciate his friendly demeanor and thorough explanations of policies. While he offers a personal touch, the limited review base may make potential clients hesitant about his overall experience in the field. That is a substantial body of feedback for a local operator, enough to trust the rating rather than credit a lucky streak. Most of what reviewers hire it for is personalized service and support. It serves Clarksville, TN, with $100 to $300 pricing, and the honest trade-offs are limited review base and may lack some coverage options.
Augustine Financial Services Company holds a 4.8 rating from 235 reviews, with many clients praising their financial expertise alongside insurance services. This dual focus can be beneficial for clients needing comprehensive financial planning. However, some may prefer agencies that specialize solely in insurance. A review base that deep is hard to game, and the score barely moves across it, which is the clearest consistency signal we track. Most of what reviewers hire it for is insurance and financial planning. It serves Clarksville, TN, with $150 to $400 pricing, and the honest trade-offs are may not specialize solely in insurance and higher fees for financial planning.
Freeway Insurance has a rating of 4.7 from 98 reviews. Customers often highlight their competitive pricing and the variety of coverage options available. However, some clients have reported issues with customer service responsiveness, which could be a drawback for those needing immediate assistance. That is a substantial body of feedback for a local operator, enough to trust the rating rather than credit a lucky streak. Most of what reviewers hire it for is variety of coverage options. It serves Clarksville, TN, with $100 to $350 pricing, and the honest trade-offs are customer service responsiveness issues and limited local presence compared to larger firms.
Clarksville Insurance Agency holds a 4.6 rating from 195 reviews, with clients appreciating the knowledgeable staff and variety of insurance products. They are a reliable option for those seeking multiple types of coverage. However, some reviews mention a lack of follow-up after initial consultations. That is a substantial body of feedback for a local operator, enough to trust the rating rather than credit a lucky streak. Most of what reviewers hire it for is multiple types of insurance coverage. It serves Clarksville, TN, with $120 to $360 pricing, and the honest trade-offs are lack of follow-up and occasional long wait times.
Clarksville Insurance Agency Ltd. has a 4.8 rating from 23 reviews. Clients appreciate the personalized service and attention to detail. However, the limited number of reviews may raise questions about their overall reliability and capacity to handle larger client needs. The review base is still thin, so we read the rating as promising rather than proven and weighted it accordingly. Most of what reviewers hire it for is personalized attention. It serves Clarksville, TN, with $110 to $320 pricing, and the honest trade-offs are limited review base and may struggle with larger clients.
Direct Auto Insurance has a 4.4 rating from 141 reviews. Customers note the straightforward process and affordability of policies. However, some have experienced issues with claims processing, which can be a significant concern for those prioritizing reliability in their coverage. That is a substantial body of feedback for a local operator, enough to trust the rating rather than credit a lucky streak. Most of what reviewers hire it for is affordable auto insurance. It serves Clarksville, TN, with $90 to $280 pricing, and the honest trade-offs are claims processing issues and less personalized service.
Selecting the right insurance agent is crucial to securing the best coverage for your needs. Here are key questions to consider before making your choice.
What types of insurance do you specialize in?
Ensure the agent has expertise in the specific insurance products you need, whether it’s auto, home, or health.
Can you explain the coverage options clearly?
A good agent should be able to break down complex policies into understandable terms, helping you make informed decisions.
What is your claims process?
Understanding how the agent handles claims can give you insight into their customer service and support during critical times.
What it costs
What insurance costs in Clarksville
The cost of insurance in Clarksville varies based on coverage type and individual circumstances. Here’s a breakdown of typical pricing tiers.
Basic Auto InsuranceTypically ranges from $100 to $150 per month, depending on coverage needs and driving history.
Homeowners InsuranceAverage costs are about $800 to $1,200 annually, influenced by home value and location.
Health InsuranceMonthly premiums can range from $200 to $600, based on the plan and coverage level.
Life InsuranceCosts generally range from $20 to $50 per month for term policies, depending on age and health.
Frequently asked questions
How much does insurance cost in Clarksville?
Insurance costs can vary widely based on factors like coverage type and personal circumstances. However, you can expect prices to range from $100 to $300 per month for standard policies.
What is the average rating for insurance agencies in Clarksville?
The average rating across the 10 evaluated agencies in Clarksville is approximately 4.6 stars, indicating a strong performance overall.
How often is this ranking updated?
We re-run the full analysis monthly with fresh review data. Last updated June 13, 2026.
Our verdict
For most Clarksville residents: <strong>Legacy Insurance</strong>
Legacy Insurance is the clear leader, offering the highest rating of 4.9 stars with 871 reviews. For those who prefer a well-known national brand, Daniel Ingram - GEICO Insurance Agent is an excellent alternative, also rated at 4.9 stars but with a slightly lower review count. If you're looking for a smaller firm with a solid reputation, consider BFS Insurance Group, which also holds a 4.9-star rating but with fewer reviews, making it a promising yet unproven choice for personalized service.