120+ more*Quotes generated for Insurify users in and around Clearwater, Florida within the last 10 days. Last updated on July 19, 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 July 19, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Updated
The average car insurance premium in Clearwater, Florida, is $211 per month for full coverage and $136 per month for liability-only insurance. Clearwater has higher average full-coverage rates than nearby Largo but lower rates than St. Petersburg.
Clearwater has more affordable car insurance rates than some nearby metros in part because it has fewer drivers on the road and less traffic congestion. St. Petersburg more than doubles Clearwater’s population of about 115,000 people.[1]
Pay your first week’s premium and get immediate proof of insurance
The cheapest Clearwater car insurance company for full coverage is State Farm, with policies averaging $120 per month. State Farm is the cheapest insurer for liability-only coverage, at $74 per month.
All drivers in Clearwater legally need to carry Florida’s state minimum liability insurance policy. Florida car insurance requirements include $10,000 in personal injury protection (PIP) and $10,000 in property damage liability (PDL).[2]
Many drivers in Clearwater can benefit from a full-coverage policy with collision coverage and comprehensive insurance for more vehicle protection. Full coverage protects vehicles against damage from Florida’s severe weather risks, such as flooding, hurricanes, and falling trees or flying debris during strong storms.
The following table shows the cheapest liability-only and full-coverage car insurance quotes in Clearwater.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $74 |
| Progressive | $75 |
| Clearcover | $79 |
| Mile Auto | $80 |
| GEICO | $84 |
| Embark | $96 |
| Dairyland | $99 |
| Direct Auto | $110 |
| GAINSCO | $110 |
| Mercury | $112 |
| The General | $118 |
| Bristol West | $125 |
| Allstate | $129 |
| AssuranceAmerica | $129 |
| National General | $134 |
| Insurify Car | $143 |
| Root | $147 |
| Travelers | $152 |
| Hugo | $187 |
| Mendota | $207 |
| First Acceptance | $211 |
| Liberty Mutual | $212 |
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| State Farm | $120 |
| Progressive | $133 |
| Mile Auto | $150 |
| Mercury | $167 |
| GEICO | $174 |
| National General | $176 |
| Direct Auto | $187 |
| Bristol West | $196 |
| Clearcover | $196 |
| Allstate | $208 |
| The General | $225 |
| AssuranceAmerica | $236 |
| Embark | $239 |
| Travelers | $247 |
| GAINSCO | $265 |
| Root | $265 |
| Liberty Mutual | $277 |
| Dairyland | $296 |
| First Acceptance | $309 |
| Mendota | $326 |
Premiums in Clearwater are cheaper than the average car insurance cost in Florida. The statewide average is $236 per month for full coverage and $139 per month for minimum coverage. The U.S. national average is $186 for full-coverage insurance and $98 for minimum coverage.
Drivers in Panama City and Sarasota pay some of the lowest rates for car insurance in Florida, based on Insurify quote data. Miami is among the most expensive cities in Florida for car insurance.
Auto insurance in Clearwater is more expensive than in Tampa, which is about 22 miles west. Tampa residents likely pay more for coverage because Hillsborough County has more uninsured drivers than Clearwater’s Pinellas County.[3]
In the table below, you can see the average overall car insurance premiums in different Florida cities.
City | Average Monthly Quote |
|---|---|
| Apopka | $187 |
| Cape Coral | $168 |
| Clearwater | $174 |
| Davenport | $187 |
| Daytona Beach | $175 |
| Fort Lauderdale | $217 |
| Fort Myers | $178 |
| Gainesville | $156 |
| Jacksonville | $186 |
| Jupiter | $163 |
| Lakeland | $175 |
| Melbourne | $160 |
| Miami | $238 |
| Naples | $161 |
| Ocala | $169 |
| Orlando | $207 |
| Palm Bay | $169 |
| Panama City | $146 |
| Pensacola | $159 |
| Pompano Beach | $221 |
| Riverview | $217 |
| Saint Petersburg | $184 |
| Sarasota | $157 |
| Spring Hill | $197 |
| Tallahassee | $166 |
| Tampa | $239 |
| West Palm Beach | $223 |
| Winter Haven | $180 |
Whether you’re new to Clearwater or a lifelong resident, here are some things you should keep in mind when driving in the city:
Heavy traffic: If you’re planning to commute from Clearwater to a nearby city, prepare for traffic, especially across the Courtney Campbell Causeway into Tampa or on I-275 into St. Petersburg.
Tourist season: January through May is high season in Clearwater, so expect more traffic than usual and more crowded beaches.[4]
Flooding: Hurricanes and storm surges can cause roads in Clearwater to flood. Avoid driving through flooded roadways, and report flooding to the City of Clearwater.[5]
Beach parking: If you plan to visit Clearwater Beach or Sand Key Park, you have access to plenty of parking lots and garages. Most options cost $3.50 per hour.
Average liability quotes start at $74/mo.
Your driving history has a major effect on your Clearwater car insurance rates. Safe driving can often help you get the most competitive rate.
Roughly 4% of Clearwater drivers have an at-fault accident on their record, based on Insurify data. Because Florida is a no-fault state, PIP automatically covers 80% of your medical expenses after a crash, up to $10,000, regardless of who caused the collision.
Less than 1% of drivers in Clearwater have a driving under the influence (DUI) conviction, but the state has very strict impaired driving penalties. For a first offense, you’ll pay between $500 and $1,000 in fines, and you could face up to six months of jail time.[6] You’ll also need to carry FR-44 insurance for three years.
The following table shows the average monthly car insurance quotes in Clearwater based on driving record.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $174 |
| Speeding ticket | $203 |
| At-fault accident | $221 |
| DUI | $227 |
In Clearwater, Florida, young adults can get a learner’s permit starting at 15 years old, and they’re eligible for a Class E driver’s license at age 16.[7]
Pinellas County has a larger number of senior drivers than teen drivers. Nearly 20,000 drivers between the ages of 16 and 19 have a license. To compare, the county has almost 219,000 licensed drivers 64 and older.[8]
Below, you can see the cheapest liability insurance rates for Clearwater drivers by age.
Age | Average Monthly Quote |
|---|---|
| Teens | $215 |
| 20s | $151 |
| 30s | $134 |
| 40s | $131 |
| 50s | $121 |
| 60s | $114 |
| 70+ | $118 |
*Quotes generated for Insurify users in and around Clearwater, Florida within the last 10 days. Last updated on July 19, 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 July 19, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Licensed property and casualty insurance agent
13+ years of insurance experience
Austin has 13+ years of personal lines experience. As a sales manager at Insurify, he mentors agents and partners with leadership to refine sales strategies and improve the customer experience.
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Licensed property and casualty insurance agent
10+ years of insurance experience
Mallory has 10+ years of experience in property and casualty insurance. She serves as the director of sales and client services at Insurify, where customer service is central to her leadership style.
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Licensed property and casualty insurance agent
14+ years insurance experience
Britney has 14+ years of experience in auto and home insurance. She’s committed to making sure customers feel informed and supported through every step of the insurance-buying process.
Drivers in Clearwater have multiple options for cheap car insurance coverage. Here’s some additional information that can be helpful as you shop for the most affordable car insurance in Clearwater.
The average cost of car insurance in Clearwater is $211 per month for full coverage and $136 per month for liability coverage. But the cost of your insurance policy depends on factors like your ZIP code, age, coverage options, driving record, and vehicle type.
State Farm offers the cheapest liability car insurance in Clearwater, at $74 per month. State Farm has the cheapest car insurance in Clearwater for full coverage, with an average monthly premium of $120.
You can get the best Clearwater auto insurance quotes by avoiding tickets and car accidents, bundling your auto and renters or home insurance policies, looking for car insurance discounts, and raising your deductibles. Comparing free quotes from multiple insurers can also help you find the most affordable rates for your situation.
State Farm, Clearcover, and Mile Auto are the three cheapest car insurance companies in Florida, according to Insurify data.
Insurify data scientists analyzed more than 250 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:
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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5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Featured in
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
