Cheapest Auto Insurance in Clearwater, Florida (2026)
Progressive offers the cheapest car insurance in Clearwater, with minimum-coverage policies as low as $93 per month.
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Jacqueline DeMarcoFreelance Insurance Writer
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Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
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Perched on Florida’s Gulf Coast and across the bay from Tampa, Clearwater’s average car insurance premiums are much more expensive than the national average of $140 per month. Clearwater’s overall average cost of $172 per month is also slightly higher than the state average of $176 per month.
Similar to neighboring cities Tampa and St. Petersburg, Clearwater is at risk of tropical storms and hurricanes and attracts millions of tourists every year, contributing to higher car insurance rates.
Here’s how you can shop for quotes and find affordable car insurance in Clearwater.
Quick Facts
The average cost of car insurance in Clearwater is $135 per month for liability-only coverage and $209 per month for full coverage.
Progressive, Mile Auto, and State Farm offer the cheapest car insurance in Clearwater.
Florida’s car insurance requirements include personal injury protection, but not bodily injury liability coverage.[1]
3 of the cheapest car insurance companies in Clearwater
Finding the best car insurance company in Clearwater requires careful consideration of your individual needs and circumstances. The most affordable car insurance for you varies based on factors like your driving record, vehicle type, and coverage options.[2]
Explore some of the cheapest car insurance companies in Clearwater and discover what sets them apart from the competition.
Insurance Company  | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| State Farm | 9.3 | $144 | $103 | Full coverage |
| GEICO | 9.2 | $203 | $117 | Digital experience |
| Allstate | 8.9 | $250 | $179 | Safe drivers |
Disclaimer: Table data sourced from real-time Clearwater car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Clearwater may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for full coverage: State Farm
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $101/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $142/mo |
4.0
Best choiceBased on 16,832 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.7 | 2.9 |
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Showing 75 Florida reviews for Clearwater driversSee all 7,351 State Farm reviews
Verified Review
Reviewed in Florida on April 8, 2026
They keep raising their rates regardless of how long you have been insured by them.
Verified Review
Reviewed in Florida on April 6, 2026
Their rates are climbing way too rapidly. They are going to price me out of doing business with them.
Verified Review
Reviewed in Florida on April 4, 2026
Even with high deductibles, it is still pricey.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
650NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
In Clearwater, State Farm offers various coverages, like comprehensive, collision, medical payments, rideshare, rental reimbursement, and roadside assistance. But State Farm’s version of gap insurance — called Payoff Protector — is only for auto loan customers, so drivers leasing vehicles who are concerned about total losses should look elsewhere for coverage.
Pros
Ranked No. 1 in J.D. Power’s customer satisfaction study in Florida
Plenty of coverage options available
Cons
Gap insurance not readily available, unless customer originates a loan through State Farm Bank
Doesn’t offer online quotes
Best insurer for digital experience: GEICO
| User Reviews | 3.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $115/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $199/mo |
3.9
A solid optionBased on 17,111 verified driver reviews and ratings
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.8 | 2.9 |
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Showing 75 Florida reviews for Clearwater driversSee all 7,584 GEICO reviews
Verified Review
Reviewed in Florida on April 7, 2026
Not sure why I had to pay so much (around $135/month) for the minimum coverage (PIP). That is why I shopped around and finally switched to Progressive, which is slightly cheaper.
Verified Review
Reviewed in Florida on April 6, 2026
I've been with this insurance company for more than 8 years.
Verified Review
Reviewed in Florida on April 6, 2026
I spent two days trying to get a quote and was quoted three different rates. I was also incorrectly told that I had an accident on my record.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
629NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
GEICO offers auto insurance with relatively affordable rates and a highly rated digital experience, drawing on 90 years of industry expertise. It offers plenty of discounts for drivers to take advantage of, including for certain affiliations, customer loyalty, and being a good driver. Plus, its robust mobile app lets policyholders file claims and manage their policies from their phones.
Pros
Above-average J.D. Power claims satisfaction rating
Highly rated mobile app
Cons
Doesn’t offer gap insurance
Doesn’t offer rideshare insurance
Best insurer for safe drivers: Allstate
| User Reviews | 3.8 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $176/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $246/mo |
3.8
A solid optionBased on 10,092 verified driver reviews and ratings
Allstate's score | Industry average | |
|---|---|---|
| Coverage options | 3.8 | 3.2 |
| Customer service | 3.8 | 3.6 |
| Discounts | 3.8 | 2.9 |
| Policy transparency | 3.6 | 3.1 |
| Value | 3.3 | 2.9 |
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Showing 75 Florida reviews for Clearwater driversSee all 4,364 Allstate reviews
Verified Review
Reviewed in Florida on April 8, 2026
Excellent service.
Verified Review
Reviewed in Florida on April 7, 2026
Low rate to start and then at 6 months, they almost doubled the rate. The company is disappointing.
Verified Review
Reviewed in Florida on April 7, 2026
Good but rates are high unfortunately.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
643NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-Why we picked this company
If you’re a safe driver, Allstate offers a chance to save more on your car insurance. Not only does it offer a discount for safe drivers, but it also offers a usage-based telematics app, Drivewise, which rewards responsible driving habits. Policyholders can get a discount just for signing up for the app and additional premium reductions when their policy renews every six months.
Pros
Plenty of discounts
Offers coverage for hybrids and classic cars
Cons
Higher average rates than competitors
Below-average J.D. Power insurance-shopping satisfaction rating
How to get the cheapest car insurance in Clearwater
Getting the lowest possible rate for your situation requires some effort on your part. These tips can help you find the best deal for the best coverage for you:
Bundle your policies. Consider combining your car insurance with other policies, such as home insurance, renters insurance, or life insurance, to potentially qualify for multi-policy discounts.
Seek out discounts. Ask about other available discounts, such as those for good driving, vehicle safety features, paying in full, or setting up automatic payments. The more discounts you can get, the lower your car insurance premium.
Drive responsibly. Prioritize safe driving practices to maintain a clean record. Follow traffic laws, avoid accidents, and steer clear of violations to keep your premiums low.
Compare and save. Take the time to research different insurance companies and compare car insurance quotes from multiple insurers in Clearwater. This is a great way to find the best rates for your driving profile. The goal here is to find the right coverage for the best value, not the cheapest policy.
Find Cheap Car Insurance in Clearwater
Liability rates start at $93 per month
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Cheapest liability-only car insurance in Clearwater: Progressive
Liability coverage in Clearwater meets Florida car insurance requirements and is often the cheapest auto insurance policy you can buy. But liability coverage in Florida won’t cover damages to your vehicle after an at-fault accident, and minimum policy limits are extremely low compared to other state requirements.
Liability-only policies in Clearwater cost $135 per month, on average. Here are the cheapest car insurance companies in Clearwater for this policy type.
The below rates in Clearwater, FL, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Progressive | $93 |
| Mile Auto | $101 |
| State Farm | $101 |
| Clearcover | $104 |
| GEICO | $115 |
| Dairyland | $119 |
| Embark | $129 |
| Infinity | $131 |
| Mercury | $144 |
| Direct Auto | $145 |
| GAINSCO | $148 |
| The General | $156 |
| Bristol West | $168 |
| Root | $175 |
| Allstate | $176 |
| AssuranceAmerica | $180 |
| National General | $180 |
| Travelers | $209 |
| Mendota | $272 |
| First Acceptance | $285 |
| Liberty Mutual | $285 |
| Liberty Mutual | $285 |
Disclaimer: Table data sourced from real-time Clearwater car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Clearwater may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Clearwater: State Farm
Full-coverage car insurance is usually more expensive than liability insurance, but it provides more protection against vehicle damages. It typically includes comprehensive and collision coverages, which pay for car repairs for at-fault accidents with other vehicles or stationary objects, regardless of fault.
Full-coverage insurance is a good idea for drivers with expensive or new vehicles or who live in accident- or theft-prone areas. This coverage costs an average of $209 per month in Clearwater.
Here are the cheapest car insurance companies in Clearwater for full-coverage policies:
The below rates in Clearwater, FL, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $142 |
| Progressive | $158 |
| Mile Auto | $163 |
| Mercury | $194 |
| GEICO | $199 |
| National General | $208 |
| Clearcover | $216 |
| Direct Auto | $219 |
| Bristol West | $235 |
| Allstate | $246 |
| Infinity | $247 |
| The General | $258 |
| Embark | $280 |
| Root | $282 |
| AssuranceAmerica | $283 |
| Travelers | $292 |
| GAINSCO | $302 |
| Liberty Mutual | $322 |
| Liberty Mutual | $322 |
| Dairyland | $335 |
| First Acceptance | $365 |
| Mendota | $372 |
Disclaimer: Table data sourced from real-time Clearwater car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Clearwater may vary based on the policy buyer's unique driver profile.
Recent Insurify quotes for Clearwater, Florida drivers
Drivers using Insurify have found quotes as cheap as $78/mo for liability only and $111/mo for full coverage in Clearwater and other Florida cities.
*Quotes generated for Insurify users in and around Clearwater, Florida within the last 10 days. Last updated on April 8, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 8, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Clearwater, Florida within the last 10 days. Last updated on April 8, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 8, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Florida
Drivers in Florida must meet the state-minimum car insurance requirements, which include personal injury protection (PIP) and property damage liability insurance. PIP insurance covers 80% of medical expenses for covered injuries, up to $10,000, regardless of fault. On the other hand, property damage liability insurance takes care of the costs of property damage you cause in an accident. Remember, it’s crucial to maintain continuous coverage to comply with the law.
Here are the minimum car insurance requirements in Florida:[1]
Coverage | Minimum Requirements |
|---|---|
| Personal injury protection | $10,000 per accident |
| Property damage liability | $10,000 per accident |
Florida’s minimum car insurance requirements may not be enough insurance for some drivers. While liability insurance may get you the lowest possible rate, a higher level of coverage may better protect you in various situations. Here are some additional coverages you can add to your auto insurance policy in Clearwater:
Collision coverage
Collision coverage pays for vehicle damages when you collide with a stationary object or another vehicle, even if you’re at fault.
Comprehensive coverage
Comprehensive coverage pays for vehicle damages from events other than collisions, including fire, vandalism, theft, falling objects, and natural disasters.
Gap coverage
If you’re financing or leasing your vehicle, gap insurance pays the difference between your auto loan balance and the insurance settlement in the event of a total loss.
Uninsured/underinsured motorist coverage
If someone driving without insurance — or with policy limits too low to fully cover your damages and injuries — causes an accident, uninsured/underinsured motorist coverag kicks in to cover your costs.
Glass coverage
This covers windshield and glass damage, and some policies even offer no-deductible protection for side windows, rear windows, and glass sunroofs.
Cheapest car insurance for drivers with an incident
Drivers in Clearwater who have a history of incidents — such as speeding tickets, driving under the influence (DUI), at-fault accidents, or other moving violations — often pay higher insurance premiums for several years.[3] These incidents signal a higher likelihood of future claims, and insurance companies raise rates to offset the higher risk. It’s still possible to find affordable car insurance, even with higher premiums due to a spotty driving record.
Here are Clearwater’s cheapest insurance companies based on driving record.
Shop for Car Insurance in Clearwater, FL
Monthly rates start at $105 for drivers with an incident
Excellent
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Cheapest car insurance for drivers with a speeding ticket: Progressive
Getting a speeding ticket can cause your car insurance rates to increase via a multi-year premium surcharge, even if you didn’t cause an accident. Insurance companies perceive speeding tickets as a sign of risky driving behavior, which raises the chances of future accidents and claims.
As such, drivers pay an average of $158 per month for liability insurance with a ticket on their record in Clearwater.
If you’re on the hunt for the most affordable car insurance companies in Clearwater for drivers with a speeding ticket on their records, refer to the table below.
The below rates in Clearwater, FL, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| Progressive | $93 | $109 |
| Mile Auto | $101 | $119 |
| State Farm | $101 | $124 |
| Clearcover | $104 | $128 |
| Dairyland | $119 | $143 |
| GEICO | $115 | $146 |
| Embark | $129 | $151 |
| Infinity | $131 | $161 |
| GAINSCO | $148 | $171 |
| Direct Auto | $145 | $176 |
| Mercury | $144 | $193 |
| The General | $156 | $202 |
| Bristol West | $168 | $205 |
| Allstate | $176 | $221 |
| AssuranceAmerica | $180 | $222 |
| Root | $175 | $226 |
| Travelers | $209 | $262 |
| Mendota | $272 | $318 |
| First Acceptance | $285 | $333 |
| Liberty Mutual | $285 | $351 |
| Liberty Mutual | $285 | $351 |
Disclaimer: Table data sourced from real-time Clearwater car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Clearwater may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Progressive
Pinellas County, which includes St. Petersburg and Clearwater, reported more than 16,000 car crashes in 2021, a 15% increase from 2020.[4] Causing an accident often results in higher rates, as it indicates a higher risk of future claims to insurance companies. The average monthly rate for Clearwater drivers with an accident on their record is $172 for liability coverage.
Here are the cheapest car insurance companies in Clearwater for drivers with an at-fault accident.
The below rates in Clearwater, FL, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| Progressive | $93 | $119 |
| State Farm | $101 | $132 |
| Mile Auto | $101 | $134 |
| Clearcover | $104 | $147 |
| GEICO | $115 | $148 |
| Dairyland | $119 | $155 |
| Embark | $129 | $165 |
| Infinity | $131 | $170 |
| GAINSCO | $148 | $186 |
| Direct Auto | $145 | $194 |
| The General | $156 | $211 |
| Mercury | $144 | $212 |
| Bristol West | $168 | $218 |
| Root | $175 | $231 |
| Allstate | $176 | $232 |
| AssuranceAmerica | $180 | $235 |
| Travelers | $209 | $277 |
| Mendota | $272 | $347 |
| First Acceptance | $285 | $364 |
| Liberty Mutual | $285 | $372 |
| Liberty Mutual | $285 | $372 |
Disclaimer: Table data sourced from real-time Clearwater car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Clearwater may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Progressive
Driving under the influence is a serious conviction and can increase your car insurance rates substantially. For example, Clearwater drivers with a DUI on their record pay an average monthly premium of $179 for a minimum-coverage policy. This is because insurance companies consider DUIs to be a major risk factor, signaling a higher probability of accidents and claims.
In Florida, a DUI conviction stays on your motor vehicle record and criminal record permanently. You are also required to file FR-44 insurance and maintain this type of coverage for three years. FR-44 insurance comes with higher minimum liability requirements and includes bodily injury liability coverage.
The table below shows the cheapest auto insurers in Clearwater for drivers with a DUI.
The below rates in Clearwater, FL, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| Progressive | $93 | $123 |
| Mile Auto | $101 | $140 |
| State Farm | $101 | $140 |
| Clearcover | $104 | $144 |
| GEICO | $115 | $157 |
| Dairyland | $119 | $165 |
| Embark | $129 | $171 |
| Infinity | $131 | $181 |
| Direct Auto | $145 | $200 |
| GAINSCO | $148 | $205 |
| The General | $156 | $208 |
| Mercury | $144 | $210 |
| Bristol West | $168 | $232 |
| Allstate | $176 | $243 |
| Root | $175 | $244 |
| AssuranceAmerica | $180 | $249 |
| Travelers | $209 | $289 |
| Mendota | $272 | $360 |
| First Acceptance | $285 | $377 |
| Liberty Mutual | $285 | $394 |
| Liberty Mutual | $285 | $394 |
Disclaimer: Table data sourced from real-time Clearwater car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Clearwater may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Progressive
Age plays a significant role in determining your car insurance premiums. As drivers gain years of experience and reach their mid-20s, rates typically decrease. But around the age of 70, premiums may increase slightly due to factors such as potential health issues and higher accident risks.[5]
In Clearwater, senior drivers pay an average of $122 per month for liability car insurance.
But senior drivers in Clearwater still pay lower average premiums than other age groups. Here are the cheapest auto insurance companies for seniors in Clearwater.
The below rates in Clearwater, FL, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| State Farm | $114 | $81 |
| Mile Auto | $132 | $82 |
| Progressive | $142 | $84 |
| Mercury | $158 | $117 |
| GEICO | $162 | $94 |
| Infinity | $183 | $97 |
| Direct Auto | $183 | $121 |
| Clearcover | $196 | $94 |
| Bristol West | $200 | $143 |
| Allstate | $204 | $146 |
| The General | $224 | $136 |
| AssuranceAmerica | $227 | $144 |
| Travelers | $239 | $171 |
| Root | $241 | $150 |
| Embark | $252 | $116 |
| GAINSCO | $264 | $129 |
| Liberty Mutual | $274 | $243 |
| Liberty Mutual | $274 | $243 |
| Dairyland | $290 | $103 |
| First Acceptance | $329 | $257 |
| Mendota | $335 | $245 |
Disclaimer: Table data sourced from real-time Clearwater car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Clearwater may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Progressive
Teenagers and young adults often encounter substantially higher car insurance rates than older, more experienced drivers due to their limited driving history and higher risk profiles. For example, in Clearwater teens pay an average of $217 per month for liability coverage.
In 2021, drivers ages 15 to 19 accounted for more than 1,600 crashes in Pinellas County.[4] But if teens stay on their parents’ insurance policies and look for student-centric discounts, they may be able to find affordable car insurance.
The table below shows the cheapest car insurance companies in Clearwater for teens and young drivers.
The below rates in Clearwater, FL, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| State Farm | $268 | $191 |
| Progressive | $270 | $159 |
| Mile Auto | $328 | $203 |
| Clearcover | $344 | $166 |
| Mercury | $344 | $256 |
| GEICO | $350 | $202 |
| Bristol West | $405 | $289 |
| Infinity | $413 | $219 |
| Direct Auto | $414 | $274 |
| The General | $449 | $271 |
| Allstate | $474 | $339 |
| Root | $476 | $295 |
| Embark | $478 | $220 |
| GAINSCO | $527 | $258 |
| Liberty Mutual | $548 | $485 |
| Liberty Mutual | $548 | $485 |
| Dairyland | $564 | $200 |
| AssuranceAmerica | $570 | $363 |
| Travelers | $593 | $425 |
| First Acceptance | $623 | $487 |
| Mendota | $635 | $464 |
Disclaimer: Table data sourced from real-time Clearwater car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Clearwater may vary based on the policy buyer's unique driver profile.
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Clearwater car insurance quotes by credit tier
While Florida insurance companies may consider credit histories when determining car insurance rates, they can’t be the sole factor for setting premiums.[6] Insurance companies view drivers with good and excellent credit-based insurance scores as having a lower risk of filing a claim, while drivers with poor credit scores have a higher claims risk.
Here are the average monthly quotes for Clearwater drivers, based on credit tier.
Rates by Credit Tier
Category | Price |
|---|---|
| Excellent | $329 |
| Good | $389 |
| Fair | $427 |
| Poor | $662 |
Is car insurance more expensive in Clearwater?
Car insurance in Clearwater is more expensive than the national average but only slightly cheaper than the state average. The average cost of car insurance in the U.S. is $97 per month for liability-only insurance and $183 per month for full coverage.
But residents of Clearwater face steeper average monthly premiums of $135 for liability coverage and $209 for full coverage. Keep in mind that car insurance rates can vary widely due to factors like weather conditions, crime rates, and traffic volume within a city and its ZIP codes.[2]
The Tampa Bay area has an 11% chance of tropical cyclone impacts every year, according to AccuWeather.[7] Plus, Clearwater attracts millions of tourists annually, contributing to more traffic and higher rates of accidents.
More cities in Florida
Here’s how average car insurance quotes compare in other Florida cities compare to Clearwater.
City | Full Coverage | Liability Only |
|---|---|---|
| Cape Coral | $203 | $127 |
| Fort Lauderdale | $246 | $172 |
| Jacksonville | $220 | $141 |
| Miami | $272 | $184 |
| Ocala | $200 | $128 |
| Orlando | $239 | $161 |
| Pensacola | $201 | $118 |
| Tallahassee | $201 | $120 |
| Tampa | $272 | $187 |
| Winter Haven | $225 | $126 |
Disclaimer: Table data is based on real-time Clearwater quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Clearwater car insurance FAQs
Explore why your car insurance rates may be high while you shop for auto insurance quotes, and check out the answers to questions about Clearwater car insurance.
How much is car insurance in Clearwater?
The average cost of car insurance in Clearwater is $135 per month for liability-only coverage and $209 per month for full coverage.
Which company has the cheapest car insurance in Clearwater?
Progressive offers the cheapest car insurance in Clearwater, at $93 per month for liability coverage. Mile Auto and State Farm also offer low monthly rates of $101 and $101 respectively.
What are the best car insurance companies in Clearwater?
Some of the best car insurance companies in Clearwater include Allstate, GEICO, and State Farm. These insurers have low average premiums, high J.D. Power customer satisfaction ratings, and solid Insurify Quality (IQ) Scores.
But the best car insurance company for you depends on your specific needs and budget. Always compare quotes from different companies to find the best deal for the coverage you need.
What factors affect the cost of Clearwater car insurance premiums?
The most important factors out of your control that affect auto insurance rates in Clearwater are the city’s weather patterns, traffic accident rates, and theft rates. The Tampa Bay area is susceptible to hurricanes and other severe weather events, which can cause insurance losses in the area and increase rates. Plus, the area’s tourism industry attracts millions of visitors per year, who can contribute to congested traffic and more accidents.
How much car insurance do you need in Clearwater, Florida?
Florida requires drivers to purchase $10,000 per accident for personal injury protection and property damage liability coverages.[1] But you may need more coverage, including collision and comprehensive insurance, if you drive an expensive car or lease or finance your vehicle.
Sources
- Florida Department of Highway Safety and Motor Vehicles. "Florida Insurance Requirements."
- III. "What determines the price of an auto insurance policy?."
- III. "Do auto insurance premiums go up after a claim?."
- Florida Department of Highway Safety and Motor Vehicles. "Traffic Crash Facts Annual Report 2021."
- III. "Senior driving safety and insurance tips."
- The Florida Senate. "626.9741 Use of credit reports and credit scores by insurers.."
- AccuWeather. "Top 5 US cities most vulnerable to hurricanes."
Methodology
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Jacqueline DeMarcoFreelance Insurance Writer
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