Car insurance in Clearwater for an adult with a clean driving record and good insurance score costs $2,758 a year for a full coverage policy, according to CarInsurance.com data.

But that’s just an average. Insurance companies look at drivers as individuals, factoring in their age, driving history, the make and model of their car and other factors.

Where you live is also a big factor. Car insurance rates can vary greatly from city to city and even from ZIP code to ZIP code within a city.

More traffic typically translates to more accidents and claims, so insurers look at neighborhoods and consider population density, road conditions, weather and other factors.

Knowing where you live and what you’re likely to pay can be a big help when shopping for auto insurance.

That’s why our experts have created this comprehensive guide to help you make intelligent decisions about car insurance. The guide provides the average car insurance rates in Clearwater by coverage levels, age, city and ZIP code. It also lists the cheapest car insurance carriers and rates in Clearwater.

Key Highlights
  • Car insurance in Clearwater is more expensive than car insurance in Florida for full coverage policies.
  • The average cost of a full-coverage car insurance policy in Clearwater is $2,758 per year or $230 per month.
  • In Clearwater, State Farm offers the cheapest full coverage car insurance at $161 per month.

What is the average cost of car insurance in Clearwater, FL?

The average auto insurance rates in Clearwater, FL at various coverage levels are listed below:

  • State minimum: $952 per year
  • Liability-only coverage (50/100/50): $1,782 per year
  • Full coverage (100/300/100): $2,758 per year

The cost of car insurance can vary significantly depending on the coverage level you choose. The three most-talked-about coverage levels are:

State minimum car insurance, which is the minimum liability coverage your state requires; liability car insurance coverage, which pays for the medical bills of anyone you injure with your car and pays to repair or replace any cars or property you hit; and full coverage car insurance, which includes collision and comprehensive insurance that pays for damage to your car.

Average annual rates by company for different coverage levels

CompanyState MinimumLiability OnlyFull Coverage
State Farm$764$1,257$1,936
Geico$495$1,053$1,976
Travelers$756$1,294$2,217
Nationwide$932$1,725$2,443
Mercury Insurance$780$1,608$2,701
Allstate$997$1,866$3,172
Progressive$1,407$2,409$3,256
National General Insurance$1,087$2,079$3,410
Farmers$1,346$2,747$3,708

Note:

  • State Minimum: State minimum liability only
  • Liability Only: 50/100/50 liability only
  • Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

What are the cheapest car insurance companies in Clearwater, FL?

Out of all the carriers available in Clearwater, State Farm offers the cheapest full coverage car insurance at $161 per month.

The second-cheapest car insurance company in Clearwater is Geico, offering car insurance at $165 monthly.

Cheapest CompanyFull Coverage Monthly Rates
State Farm$161
Geico$165
Travelers$185
Nationwide$204
Mercury Insurance$225
Allstate$264
Progressive$271
National General Insurance$284
Farmers$309

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Comparing quotes from multiple insurers can help you save money on your car insurance premiums.

Which companies offer the cheapest rates for high-risk drivers in Clearwater, FL?

Car insurance is more expensive for high-risk drivers. A high-risk driver in Florida is considered as such because they have:

  • Multiple speeding tickets or other traffic infractions in the last three- to five-year period.
  • An injury or a high-cost accident in the last three- to five-year period
  • A DUI conviction
  • A teen/inexperienced driver on their policy
  • A high-performance sports car
  • A poor credit score (a few states — California, Hawaii, Maryland, Massachusetts and Michigan — prohibit insurance companies from using credit to set rates)
  • A recent lapse in car insurance

Cheapest rates for drivers with two speeding tickets in Clearwater, FL

See the average annual premium for drivers with two speeding tickets on their records in Clearwater, FL in the table below.

Cheapest CompanyFull Coverage Monthly Rates with 2 Speeding Tickets
State Farm$172
Travelers$277
Allstate$288
Nationwide$295
Geico$342
Mercury$376
Progressive$401
Farmers$426

Note:

  • Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible
  • Insurance rates after receiving 2 speeding tickets for speeds 11 mph or over.

Cheapest rates for drivers with a DUI conviction in Clearwater, FL

See the average annual premium for a driver convicted of DUI in Clearwater, FL in the table below.

Cheapest CompanyFull Coverage Monthly Rates with 1 DUI
State Farm$172
Travelers$278
Geico$293
Progressive$310
Mercury$331
Farmers$334
Allstate$341
Nationwide$421

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Companies with the cheapest insurance by driver profile in Clearwater, FL

Personal factors can affect how much you pay for car insurance in states that allow it. Insurance companies do use a driver’s age as a rating factor as more driving experience leads to lower rates – and vice versa. However, not all states allow gender and credit score to be used when setting car insurance rates.

Cheapest rates for drivers in Clearwater, FL, by age

Age is a key factor when considering car insurance rates in most cities, including Clearwater – it’s one of several key factors taken into account by insurers to determine premiums.

Teens (age 16 to 19) are more prone to accidents because they’re inexperienced drivers. According to the Centers for Disease Control and Prevention (CDC), teen drivers are far more likely to be involved in fatal collisions than adult drivers. The higher the chances of an accident, the higher the car insurance rates.

Drivers in their 40s, 50s and 60s pay less for their car insurance premiums when compared to teen drivers because they are more likely to follow traffic rules, according to the Insurance Information Institute.

AgeCheapest CompanyFull Coverage Monthly Rates
16Allstate$1,531
16Geico$508
16Farmers$1,627
16Mercury Insurance$1,792
16National General Insurance$695
16Nationwide$643
16Progressive$995
16State Farm$551
16Travelers$981
17Allstate$1,428
17Geico$485
17Farmers$1,202
17Mercury Insurance$1,521
17National General Insurance$672
17Nationwide$841
17Progressive$880
17State Farm$489
17Travelers$718
18Allstate$1,022
18Geico$457
18Farmers$1,156
18Mercury Insurance$1,446
18National General Insurance$669
18Nationwide$841
18Progressive$770
18State Farm$433
18Travelers$565
19Allstate$577
19Geico$429
19Farmers$633
19Mercury Insurance$768
19National General Insurance$559
19Nationwide$481
19Progressive$621
19State Farm$382
19Travelers$445
20Allstate$547
20Geico$395
20Farmers$603
20Mercury Insurance$640
20National General Insurance$514
20Nationwide$408
20Progressive$543
20State Farm$338
20Travelers$375
21Allstate$391
21Geico$300
21Farmers$433
21Mercury Insurance$536
21National General Insurance$421
21Nationwide$318
21Progressive$454
21State Farm$297
21Travelers$311
22Allstate$342
22Geico$272
22Farmers$412
22Mercury Insurance$473
22National General Insurance$399
22Nationwide$288
22Progressive$407
22State Farm$266
22Travelers$281
23Allstate$330
23Geico$251
23Farmers$396
23Mercury Insurance$366
23National General Insurance$387
23Nationwide$264
23Progressive$368
23State Farm$242
23Travelers$255
24Allstate$306
24Geico$231
24Farmers$382
24Mercury Insurance$322
24National General Insurance$375
24Nationwide$246
24Progressive$339
24State Farm$225
24Travelers$238
25Allstate$283
25Geico$211
25Farmers$368
25Mercury Insurance$304
25National General Insurance$361
25Nationwide$235
25Progressive$295
25State Farm$186
25Travelers$207
30Allstate$264
30Geico$179
30Farmers$323
30Mercury Insurance$264
30National General Insurance$321
30Nationwide$206
30Progressive$273
30State Farm$164
30Travelers$200
35Allstate$264
35Geico$163
35Farmers$307
35Mercury Insurance$246
35National General Insurance$305
35Nationwide$206
35Progressive$276
35State Farm$163
35Travelers$199
40Allstate$264
40Geico$165
40Farmers$309
40Mercury Insurance$225
40National General Insurance$284
40Nationwide$204
40Progressive$271
40State Farm$161
40Travelers$185
45Allstate$264
45Geico$167
45Farmers$311
45Mercury Insurance$228
45National General Insurance$279
45Nationwide$201
45Progressive$270
45State Farm$160
45Travelers$183
50Allstate$260
50Geico$164
50Farmers$298
50Mercury Insurance$205
50National General Insurance$278
50Nationwide$195
50Progressive$264
50State Farm$157
50Travelers$180
55Allstate$253
55Geico$157
55Farmers$281
55Mercury Insurance$199
55National General Insurance$277
55Nationwide$182
55Progressive$266
55State Farm$154
55Travelers$166
60Allstate$250
60Geico$152
60Farmers$273
60Mercury Insurance$198
60National General Insurance$277
60Nationwide$178
60Progressive$263
60State Farm$151
60Travelers$168
65Allstate$259
65Geico$148
65Farmers$346
65Mercury Insurance$213
65National General Insurance$285
65Nationwide$193
65Progressive$264
65State Farm$151
65Travelers$175
70Allstate$260
70Geico$150
70Farmers$371
70Mercury Insurance$240
70National General Insurance$304
70Nationwide$218
70Progressive$288
70State Farm$155
70Travelers$190
75Allstate$293
75Geico$167
75Farmers$418
75Mercury Insurance$303
75National General Insurance$327
75Nationwide$245
75Progressive$356
75State Farm$169
75Travelers$213

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Cheapest rates for drivers in Clearwater, FL, with poor credit

Except in states that don’t allow it – California, Hawaii, Massachusetts, Washington and Michigan – drivers who have poor credit will pay higher rates for car insurance because they’re viewed as riskier by auto insurers.

Cheapest CompanyFull Coverage Monthly Rates with Bad Credit
State Farm$292
Geico$301
Nationwide$308
Mercury Insurance$341
Travelers$367
Progressive$419
Farmers$468
Allstate$480

Final thoughts: Car insurance cost in Clearwater, FL

Shopping for a new auto insurance policy at renewal time is the best way to make sure you have the cheapest car insurance in Clearwater, FL. Maximize your discounts, drive a vehicle with plenty of safety features and maintain a good driving record to pay less for car insurance.

Resources & Methodology

Sources:

  1. Centers for Disease Control and Prevention. “Teen drivers.” Accessed August 2023.
  2. Insurance Information Institute. “Senior driving safety and insurance tips.” Accessed August 2023.

Methodology:

CarInsurance.com, commissioned Quadrant Information Services to gather data on the average costs of car insurance for drivers residing in Clearwater, Florida.

The rates were derived from a sample profile of a 40-year-old male driving a Honda Accord LX, with no history of violations and a good insurance score. This sample profile opted for full coverage policies with limits of up to 100/300/100 and a $500 comprehensive and collision deductible.

The data was collected across approximately 34,523 ZIP codes, resulting in a total of 56,838,240 quotes obtained from 41 companies.

Laura Longero

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Laura Longero

Executive Editor

Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

John McCormick

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John McCormick

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John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

Leslie Kasperowicz

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Leslie Kasperowicz

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Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.

Nupur Gambhir

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Nupur Gambhir

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Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.

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Katrina Raenell is a writer, editor and educator with 20 years of experience in content and communications for international organizations, nonprofits and start-ups. In her previous roles, she was a communications manager for study abroad, content project manager for higher education and finance websites, reported on arts and culture, and was a managing editor for an online health and wellness publication.