Factors Affecting Clarksville, Tennessee Auto Insurance Monthly Rates. These factors and the percentage increase that you can expect them to have on your average insurance costs are: 6,000 versus 12,000-mile commute (1%) commute, whether or not your insurance coverage levels are low or they are high (8%), if you have a speeding ticket on your driving record (16%), if you have an at-fault accident on record (32%), if you have a DUI on your record (42%), and whether you have good credit or bad credit (116%).