Best Cheap Auto Insurance in Clearwater, Florida (2024)

Clearwater average car insurance rates are expensive compared to the national average, but here’s how you can find cheap coverage in the Tampa Bay Area.

Jacqueline DeMarco
Jacqueline DeMarco
  • 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.

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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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Updated February 14, 2024 at 7:23 AM PST

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Perched on Florida’s Gulf Coast and across the bay from Tampa, Clearwater’s average car insurance premiums are more expensive than the national average. Where you live can play a major role in how much you spend on car insurance, and Clearwater’s average car insurance costs are slightly less than the state average. 

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.

Finding affordable Clearwater car insurance is crucial to keeping the cost of car ownership low in Florida. Here’s how you can shop for quotes and find cheap rates in your area.

Quick Facts
  • The average cost of car insurance in Clearwater is $309 a month for liability only and $427 a month for full coverage.

  • The average cost of full-coverage insurance in Clearwater is 148% more than the national average but 2% less than the state average.

  • Florida’s car insurance requirements include personal injury protection, but not bodily injury liability coverage.[1]

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Best 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.

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.
4.4
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.
$70/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.
$82/mo

In Clearwater, State Farm offers various coverages, like comprehensive, collision, medical payments, rideshare, rental reimbursement, and roadside assistance. However, 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

I am happy with their coverage. I just bought a new car, and my insurance quadrupled. YIKES.

Stacy - December 4, 2023
Verified

Friendly service.

John - December 4, 2023
Verified

Got insurance established fast.

Robert - December 3, 2023
Verified
Read our State Farm review

Best insurer for digital experience: GEICO

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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.
4.3
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.
$72/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

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

Everything good except the price.

RAY - December 4, 2023
Verified

I have not had problems; prices just remain high with little to no customer service and little benefit from 26+ years of customer loyalty.

Elizabeth - December 3, 2023
Verified

I had been with them a few years until they started raising my rates every time I was up for renewal. I got a new quote from another company that was $50 less than GEICO for the same coverage. That's not how to show customer loyalty, and it's the reason GEICO lost me as a customer.

Denise - December 3, 2023
Verified
Read our GEICO review

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.
4.2
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.
$123/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

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

Our agent was always available for questions and concerns.

Lyn - December 4, 2023
Verified

Prices keep going up.

Gilberto - December 2, 2023
Verified

They are overcharging me for basic insurance.

Brian - November 29, 2023
Verified
Read our Allstate review

Cheapest liability-only car insurance in Clearwater

Liability coverage in Clearwater meets Florida car insurance requirements and is often the cheapest auto insurance policy you can buy. However, 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.

If liability-only insurance is right for you, here are the cheapest car insurance companies in Clearwater for this policy type.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
State Farm70
GEICO72
Hugo79
Allstate123
Mile Auto133
Safeco144
Travelers146
Mercury158
Liberty Mutual165
Direct Auto169
Midvale Home & Auto180
Progressive184
Infinity198
Foremost216
Dairyland220
AssuranceAmerica236
Bristol West285
The General326
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

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.

Check out the cheapest full-coverage car insurance companies in Clearwater, Florida, in the table below.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
State Farm82
GEICO85
Hugo88
Allstate142
Travelers170
Mercury183
Mile Auto186
Safeco198
GAINSCO225
Liberty Mutual246
Direct Auto248
Infinity256
Midvale Home & Auto261
Progressive264
AssuranceAmerica317
National General320
Foremost328
Dairyland393
Bristol West407
The General457
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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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 coverage 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

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Cheapest car insurance for drivers with a speeding ticket

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.

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: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
State Farm9480
GEICO9984
Hugo113101
Allstate165143
Travelers201173
Mercury246212
Safeco249181
Mile Auto263188
Direct Auto305208
Liberty Mutual309207
Infinity315244
Progressive319222
Midvale Home & Auto322222
AssuranceAmerica403300
Dairyland472264
Bristol West480336
The General549392
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

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.

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: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
State Farm10187
GEICO10790
Hugo11099
Allstate178154
Travelers215185
Mercury263227
Safeco273199
Mile Auto286204
Infinity314243
Direct Auto327223
Liberty Mutual332223
Progressive347242
Midvale Home & Auto354244
AssuranceAmerica422314
Dairyland502281
Bristol West506354
The General592423
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

Driving under the influence is a serious conviction and can increase your car insurance rates substantially. 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: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
State Farm124106
GEICO128109
Hugo128114
Allstate214186
Travelers257220
Mercury280242
Mile Auto281201
Safeco299217
Direct Auto336229
Liberty Mutual371249
Infinity387299
Midvale Home & Auto394272
Progressive399278
AssuranceAmerica479356
Foremost495326
Dairyland593332
Bristol West615430
The General690492
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

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. However, around the age of 75, premiums may increase slightly due to factors such as potential health issues and higher accident risks.[5]

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: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
State Farm4841
GEICO5446
Allstate9380
Travelers11094
Mile Auto12690
Mercury133114
Progressive14098
Safeco151110
Direct Auto157107
Liberty Mutual165110
AssuranceAmerica207154
Dairyland275154
Bristol West276194
The General346247
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

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. 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: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
GEICO123104
State Farm130111
Hugo146131
Allstate231200
Travelers285245
Mercury313270
Mile Auto329236
Safeco330240
Liberty Mutual391262
Direct Auto419285
Progressive441308
Infinity443342
Midvale Home & Auto464320
Foremost547360
AssuranceAmerica557415
Dairyland589329
Bristol West626438
The General673480
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.

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.

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Clearwater car insurance quotes by credit tier

While Florida insurance companies may consider credit scores 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 score.

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 $106 a month for liability-only insurance and $172 a month for full coverage.

However, residents of Clearwater face a steep average monthly premium of $427 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 $2,412. 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 the average quotes for full-coverage car insurance in other Florida cities compare to Clearwater.

CityAverage Monthly QuoteCompared to Clearwater
Fort Lauderdale$47611%
Hollywood$4628%
Jacksonville$4577%
Kissimmee$4618%
Lakeland$4444%
Miami$50819%
Ocala$389-9%
Orlando$47812%
St. Petersburg$4536%
Tampa$56031%
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 $309 a month for liability only and $427 a month for full coverage.

  • 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." Accessed August 4, 2023
  2. III. "What determines the price of an auto insurance policy?." Accessed August 4, 2023
  3. III. "Do auto insurance premiums go up after a claim?." Accessed August 4, 2023
  4. Florida Department of Highway Safety and Motor Vehicles. "Traffic Crash Facts Annual Report 2021." Accessed August 3, 2023
  5. III. "Senior driving safety and insurance tips." Accessed August 4, 2023
  6. The Florida Senate. "626.9741 Use of credit reports and credit scores by insurers.." Accessed August 4, 2023
  7. AccuWeather. "Top 5 US cities most vulnerable to hurricanes." Accessed August 3, 2023
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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