13+ years writing insurance and personal finance content
Insurance, lending, and retirement expert
Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
Más de 3 años produciendo contenidos sobre seguros y finanzas personales
Principal artífice de la puntuación de calidad de Insurify
Los profundos conocimientos de Courtney sobre finanzas personales van más allá de los seguros y abarcan las tarjetas de crédito, los préstamos al consumidor y la banca. Le encanta crear contenidos prácticos.
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Cheapest recent rates near Clearwater, Florida
Drivers using Insurify have found quotes as cheap as $33/mo for liability only and $69/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 December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ 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 December 19, 2024. 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 December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ 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 December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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 $153 per month. Clearwater’s overall average cost of $202 per month is also slightly higher than the state average of $201 per month.
Similar to neighboring cities Tampa and St. Petersburg, Clearwater is at risk of 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 $164 per month for liability-only coverage and $240 per month for full coverage.
State Farm, GEICO, and Mile Auto 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
$84
$68
Full coverage
GEICO
9.0
$86
$70
Digital experience
Allstate
8.9
$145
$118
Safe drivers
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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.
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.
$67/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.
$84/mo
4.2
Best choiceBased on 9,243 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,080)
Al
December 19, 2024
Verified Review
My Opinion
Way too high premium.
Agnes
December 19, 2024
Verified Review
Best Insurance Company
I have been with them for a long time. Claims are handled quickly. I never had a problem, even when I had three teenagers driving.
Gabriel
December 18, 2024
Verified Review
My Experience with State Farm
Beware, some companies are more interested in making money than meeting the customers' needs. My wife had a medical issue while driving, and they covered it. A year later, there was a fender bender involving two moving vehicles. To me, it was no fault, but they considered it a second incident. We also had hail damage to our roof. They said there wasn't enough damage, yet my next-door neighbors received a new one. Now, they're canceling me for too much.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
A.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
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.
9.0 /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.
$69/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.
$86/mo
4.0
Best choiceBased on 10,464 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,755)
Dianna
December 19, 2024
Verified Review
Roadside Assistance
When I needed emergency services on the road, they wanted me to go online. That was not possible at the time and they were not helpful.
Alan
December 18, 2024
Verified Review
Satisfied but too expensive
My experience with GEICO was good. They offer great coverage for the price and I'd recommend them to a friend. However, they are a bit more pricey but provide great services all the way around.
Samol
December 18, 2024
Verified Review
Geico is Good Insurance
It's excellent, but after a few accidents, the rates are creeping upwards.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74
A.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 85 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 mobile app lets policyholders file claims and manage their policies from their phones.
Pros
Above-average J.D. Power claims satisfaction rating
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.
$116/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.
$144/mo
4.0
Best choiceBased on 5,747 verified guest reviews and ratings
How drivers feel about Allstate
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,131)
Edward
December 19, 2024
Verified Review
A Company with Many Years of Experience
Allstate has been good for me for many years with mediocre pricing.
Barbara
December 18, 2024
Verified Review
Allstate? Ugh!
Clearly, it's not good, or else why would I be shopping for a new policy.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94
A.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 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 renters insurance, business insurance, or home 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 rate.
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, Florida. 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 $67 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Clearwater: State Farm
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 accident, and minimum policy limits are extremely low compared to other state requirements.
Liability-only policies in Clearwater cost $164 per month, on average. Here are the cheapest car insurance companies in Clearwater for this policy type.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Average Monthly Quote
▲▼
State Farm
$67
GEICO
$69
Mile Auto
$113
Allstate
$116
Travelers
$138
Mercury
$152
Direct Auto
$159
Safeco
$177
Progressive
$181
Infinity
$193
Foremost
$207
GAINSCO
$223
Dairyland
$225
Bristol West
$246
AssuranceAmerica
$251
National General
$278
The General
$304
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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, 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 $240 per month in Clearwater.
You can see a collection of average rates available from top insurers in the table below.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Average Monthly Quote
▲▼
State Farm
$84
GEICO
$86
Allstate
$144
Mile Auto
$146
Travelers
$172
Safeco
$185
Mercury
$190
Progressive
$266
Infinity
$271
National General
$290
GAINSCO
$308
Direct Auto
$309
Foremost
$313
Bristol West
$352
Dairyland
$391
AssuranceAmerica
$417
The General
$433
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Clearwater, Florida
Drivers using Insurify have found quotes as cheap as $33/mo for liability only and $69/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 December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ 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 December 19, 2024. 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 December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ 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 December 19, 2024. 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.[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 $78 for drivers with an incident
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Cheapest car insurance for drivers with a speeding ticket: State Farm
Getting a speeding ticket can cause your car insurance rates to increase, 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 $201 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 are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With Speeding Ticket
▲▼
State Farm
$67
$80
GEICO
$69
$84
Mile Auto
$113
$138
Allstate
$116
$140
Travelers
$138
$169
Mercury
$152
$198
Direct Auto
$159
$193
Safeco
$177
$217
Progressive
$181
$218
Infinity
$193
$242
Foremost
$207
$271
GAINSCO
$223
$292
Dairyland
$225
$272
Bristol West
$246
$300
AssuranceAmerica
$251
$302
National General
$278
$338
The General
$304
$377
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
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 $216 for liability coverage.
Here are the cheapest car insurance companies in Clearwater for drivers with an at-fault accident.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With Accident
▲▼
State Farm
$67
$86
GEICO
$69
$90
Mile Auto
$113
$150
Allstate
$116
$150
Travelers
$138
$180
Mercury
$152
$212
Direct Auto
$159
$211
Safeco
$177
$229
Progressive
$181
$237
Infinity
$193
$245
Foremost
$207
$286
GAINSCO
$223
$276
Dairyland
$225
$289
Bristol West
$246
$319
AssuranceAmerica
$251
$317
National General
$278
$359
The General
$304
$403
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
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 $249 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.
Florida may also require you 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 are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With DUI
▲▼
State Farm
$67
$106
GEICO
$69
$109
Mile Auto
$113
$179
Allstate
$116
$184
Travelers
$138
$218
Mercury
$152
$223
Direct Auto
$159
$252
Safeco
$177
$251
Progressive
$181
$286
Infinity
$193
$305
Foremost
$207
$328
GAINSCO
$223
$353
Dairyland
$225
$356
Bristol West
$246
$389
AssuranceAmerica
$251
$397
National General
$278
$440
The General
$304
$481
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
Age plays a significant role in determining your car insurance premiums. As drivers gain years of experience and reach their mid-30s, 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 $132 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 are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Full Coverage
▲▼
Liability Only
▲▼
State Farm
$64
$51
GEICO
$68
$54
Mile Auto
$109
$84
Allstate
$114
$92
Travelers
$133
$107
Mercury
$149
$119
Safeco
$156
$150
Progressive
$190
$129
Infinity
$206
$147
National General
$219
$209
Direct Auto
$237
$122
Foremost
$247
$164
GAINSCO
$255
$185
Bristol West
$279
$195
Dairyland
$308
$177
AssuranceAmerica
$311
$187
The General
$346
$243
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: GEICO
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 $213 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 are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Full Coverage
▲▼
Liability Only
▲▼
GEICO
$137
$110
State Farm
$144
$115
Allstate
$256
$206
Mile Auto
$281
$217
Travelers
$309
$248
Mercury
$332
$266
Safeco
$349
$334
Progressive
$462
$314
Infinity
$482
$343
GAINSCO
$525
$380
Foremost
$552
$365
Direct Auto
$561
$289
National General
$566
$543
Bristol West
$587
$410
Dairyland
$622
$358
The General
$680
$478
AssuranceAmerica
$759
$457
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Compare Auto Insurance in Clearwater
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Based on 3,806+ reviews
4.8/5
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 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
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $105 per month for liability-only insurance and $202 per month for full coverage.
But residents of Clearwater face steeper average monthly premiums of $164 for liability coverage and $240 for 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 hurricane weather every year, according to AccuWeather.[7] Plus, Clearwater attracts millions of tourists every year, contributing to more traffic and higher rates of accidents.
Important Information
Florida drivers have the fourth-highest car insurance costs in the U.S., with an average annual premium of $2,408. Damage from Hurricane Ian contributed to record-breaking losses for insurers in 2022. Florida’s no-fault system presents additional challenges for insurance companies.
Insurify’s 2023 Mid-Year Auto Report explores the reasons behind rising rates, why major insurers are leaving the state, and how new legislation could affect Florida drivers.
More cities in Florida
Here’s how average car insurance quotes compare in other Florida cities compare to Clearwater.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $164 per month for liability-only coverage and $240 per month for full coverage.
Which company has the cheapest car insurance in Clearwater?
State Farm offers the cheapest car insurance in Clearwater, at $67 per month for liability coverage. GEICO and Mile Auto also offer low monthly rates of $69 and $113 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 storm damages, 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.
Methodology
Insurify data scientists analyzed more than 90 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 50+ 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
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.
The Florida Senate. "626.9741 Use of credit reports and credit scores by insurers.."
AccuWeather. "Top 5 US cities most vulnerable to hurricanes."
Jacqueline DeMarco
During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.
Jacqueline has been a contributor at Insurify since October 2022.
Más de 3 años produciendo contenidos sobre seguros y finanzas personales
Principal artífice de la puntuación de calidad de Insurify
Los profundos conocimientos de Courtney sobre finanzas personales van más allá de los seguros y abarcan las tarjetas de crédito, los préstamos al consumidor y la banca. Le encanta crear contenidos prácticos.
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