Cheapest Auto Insurance in Clearwater, Florida (2024)

State Farm offers the cheapest car insurance in Clearwater, with minimum-coverage policies as low as $73 per month.

Jacqueline DeMarco
Jacqueline DeMarco
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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
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Updated June 13, 2024

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Cheapest recent rates near Clearwater, Florida

Drivers using Insurify have found quotes as cheap as $47/mo for liability only and $85/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 June 12, 2024

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 June 12, 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 June 12, 2024

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 June 12, 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 $160 per month. Clearwater’s overall average cost of $259 per month is also slightly higher than the state average of $252 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 $239 per month for liability-only coverage and $279 per month for full coverage.

  • State Farm, GEICO, and Hugo 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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
State Farm4.6$83$72Full coverage
GEICO4.4$85$74Digital experience
Allstate4.4$144$125Safe 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 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for full coverage: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$73/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.
$85/mo

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 available

  • Doesn’t offer online quotes

Read our State Farm review
Laudita - June 13, 2024
Verified

No Consideration at All, They Don't Care About the Years Spent With Them

They doubled my insurance premium without any reason. I haven't had an accident in the last 10 years.

Luisa - June 13, 2024
Verified

The agent was friendly, helpful, and courteous. However, I am dissatisfied with the auto insurance rate I am being charged, which is why I am exploring other car insurance options.

The agent was friendly, helpful, and courteous. However, I am dissatisfied with the auto insurance rate I am being charged, which is why I am exploring other car insurance options.

Daniel - June 13, 2024
Verified

Excellent

I have no complaints. It has been very good.

Best insurer for digital experience: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
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.
$74/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.
$87/mo

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

  • Highly rated mobile app

Cons
  • Doesn’t offer gap insurance

  • Doesn’t offer rideshare insurance

Read our GEICO review
Joyce - June 13, 2024
Verified

Excellent

Use Geico, they will work with you.

Polly - June 13, 2024
Verified

Very Sad

The rates are too high.

Larry - June 12, 2024
Verified

Poor

The insurance is overpriced.

Best insurer for safe drivers: Allstate

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
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.
$126/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.
$147/mo

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

Read our Allstate review
Mark - June 13, 2024
Verified

Terrible, company didn't cover two rocks hitting my windshield

The assistance was awful.

Jay - June 13, 2024
Verified

Not the Greatest, But OK

The app isn't great, so it's better to deal with an agent.

Louis - June 13, 2024
Verified

Allstate is Overpriced

They are way too expensive.

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 $73 per month

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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 $239 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm$73
GEICO$74
Hugo$79
Allstate$126
Safeco$134
Mile Auto$135
Mercury$150
Travelers$151
Liberty Mutual$155
Direct Auto$162
Midvale Home & Auto$177
Progressive$186
Infinity$202
Foremost$214
Dairyland$222
GAINSCO$226
AssuranceAmerica$247
Bristol West$277
National General$312
The General$325
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 $279 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm$85
GEICO$87
Hugo$141
Allstate$147
Safeco$168
Travelers$174
Mercury$179
Mile Auto$186
GAINSCO$237
Liberty Mutual$258
Progressive$264
Midvale Home & Auto$268
Infinity$269
Direct Auto$281
Foremost$321
National General$321
AssuranceAmerica$367
Dairyland$393
Bristol West$405
The General$470
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 $47/mo for liability only and $83/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 June 12, 2024

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 June 12, 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 June 12, 2024

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 June 12, 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]

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision coverage pays for vehicle damages when you collide with a stationary object or another vehicle, even if you’re at fault.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive coverage pays for vehicle damages from events other than collisions, including fire, vandalism, theft, falling objects, and natural disasters.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/73ee7a876e/repair.svg

    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 $85 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 $285 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
State Farm$73$85
GEICO$74$87
Hugo$79$99
Allstate$126$148
Safeco$134$161
Mile Auto$135$172
Mercury$150$191
Travelers$151$179
Liberty Mutual$155$203
Direct Auto$162$192
Midvale Home & Auto$177$216
Progressive$186$220
Infinity$202$249
Foremost$214$281
Dairyland$222$263
GAINSCO$226$296
AssuranceAmerica$247$298
Bristol West$277$324
National General$312$359
The General$325$388
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 $310 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
State Farm$73$92
GEICO$74$94
Hugo$79$97
Allstate$126$160
Safeco$134$164
Mile Auto$135$188
Mercury$150$203
Travelers$151$193
Liberty Mutual$155$216
Direct Auto$162$210
Midvale Home & Auto$177$238
Progressive$186$240
Infinity$202$252
Foremost$214$298
Dairyland$222$281
GAINSCO$226$276
AssuranceAmerica$247$314
Bristol West$277$346
National General$312$395
The General$325$420
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 $358 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
State Farm$73$116
GEICO$74$118
Hugo$79$126
Allstate$126$201
Safeco$134$213
Mile Auto$135$194
Mercury$150$214
Travelers$151$240
Liberty Mutual$155$247
Direct Auto$162$258
Midvale Home & Auto$177$282
Progressive$186$296
Infinity$202$322
Foremost$214$341
Dairyland$222$353
GAINSCO$226$360
AssuranceAmerica$247$393
Bristol West$277$441
National General$312$497
The General$325$517
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: Hugo

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 $198 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
State Farm$66$57
GEICO$69$59
Hugo$101$57
Allstate$118$101
Mercury$135$113
Safeco$136$109
Travelers$137$119
Mile Auto$141$102
Progressive$190$134
GAINSCO$195$186
Infinity$203$153
Liberty Mutual$205$123
Midvale Home & Auto$205$135
Direct Auto$218$125
Foremost$251$167
National General$257$250
AssuranceAmerica$279$188
Dairyland$315$178
Bristol West$325$222
The General$385$266
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 $308 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
GEICO$126$107
State Farm$133$114
Hugo$228$128
Allstate$238$204
Travelers$290$252
Mercury$302$253
Safeco$328$262
Mile Auto$336$244
GAINSCO$392$374
Midvale Home & Auto$431$285
Progressive$443$312
Liberty Mutual$445$267
Infinity$458$344
Direct Auto$476$274
Foremost$527$352
National General$563$547
Dairyland$607$343
AssuranceAmerica$633$426
Bristol West$637$436
The General$700$484
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.

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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 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 $215 per month for full coverage.

But residents of Clearwater face steeper average monthly premiums of $239 for liability coverage and $279 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 $3,018. 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.

CityFull CoverageLiability Only
Cape Coral$265$200
Fort Lauderdale$348$264
Jacksonville$287$205
Miami$387$283
Ocala$257$179
Orlando$306$222
Pensacola$272$173
Tallahassee$263$166
Tampa$380$316
Winter Haven$301$221
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 $239 per month for liability-only coverage and $279 per month for full coverage.

  • Which company has the cheapest car insurance in Clearwater?

    State Farm offers the cheapest car insurance in Clearwater, at $73 per month for liability coverage. GEICO and Hugo also offer low monthly rates of $74 and $79 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.

Sources

  1. Florida Department of Highway Safety and Motor Vehicles. "Florida Insurance Requirements."
  2. III. "What determines the price of an auto insurance policy?."
  3. III. "Do auto insurance premiums go up after a claim?."
  4. Florida Department of Highway Safety and Motor Vehicles. "Traffic Crash Facts Annual Report 2021."
  5. III. "Senior driving safety and insurance tips."
  6. The Florida Senate. "626.9741 Use of credit reports and credit scores by insurers.."
  7. AccuWeather. "Top 5 US cities most vulnerable to hurricanes."
Jacqueline DeMarco
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.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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