Best Clearwater, Florida Auto Insurance in 2024
The average Clearwater, FL auto insurance rates are $442 per month. The minimum auto insurance in Clearwater is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in Clearwater, Florida, compare quotes from multiple companies.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
UPDATED: Sep 4, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 4, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest auto insurance company in Clearwater is USAA
- The most expensive auto insurance company in Clearwater for teen drivers is Allstate
- The minimum auto insurance required in Clearwater, Florida is 10/20/10
Clearwater, Florida auto insurance requirements are 10/20/10 according to Florida auto insurance laws. Finding cheap auto insurance in Clearwater can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Clearwater, Florida, including driving record, credit, commute time, and more.
Compare auto insurance in Clearwater to other Florida cities, including Tallahassee auto insurance rates, Fort Lauderdale auto insurance rates, and Orlando auto insurance rates to see how Clearwater, Florida auto insurance rates stack up.
Before you buy Clearwater, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Clearwater, Florida auto insurance quotes.
Minimum Auto Insurance in Clearwater, Florida
Clearwater, Florida auto insurance laws require that you have at least the Florida minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Clearwater, Florida.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $10,000 per person $20,000 per accident |
| Property Damage Liability Coverage | $10,000 minimum |
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Cheap Clearwater, Florida Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Clearwater, Florida are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $5,504 | $5,254 | $4,813 | $4,880 | $19,178 | $20,902 | $5,397 | $5,446 |
| Geico | $3,562 | $3,578 | $3,332 | $3,332 | $6,349 | $7,958 | $3,923 | $3,981 |
| Liberty Mutual | $4,100 | $4,100 | $3,746 | $3,746 | $8,809 | $13,645 | $4,100 | $5,612 |
| Nationwide | $3,370 | $3,326 | $3,011 | $3,112 | $8,128 | $10,003 | $3,714 | $3,863 |
| Progressive | $4,033 | $3,757 | $3,439 | $3,685 | $11,305 | $12,176 | $4,800 | $4,472 |
| State Farm | $2,312 | $2,312 | $2,103 | $2,103 | $6,913 | $8,846 | $2,581 | $2,756 |
| USAA | $1,851 | $1,815 | $1,747 | $1,722 | $6,467 | $7,447 | $2,303 | $2,474 |
Cheap Clearwater, Florida Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Clearwater, Florida is a challenge. Take a look at the annual teen auto insurance rates in Clearwater, Florida.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $19,178 | $20,902 |
| Geico | $6,349 | $7,958 |
| Liberty Mutual | $8,809 | $13,645 |
| Nationwide | $8,128 | $10,003 |
| Progressive | $11,305 | $12,176 |
| State Farm | $6,913 | $8,846 |
| USAA | $6,467 | $7,447 |
Cheap Clearwater, Florida Auto Insurance for Seniors
What are senior auto insurance rates in Clearwater, Florida? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $4,813 | $4,880 |
| Geico | $3,332 | $3,332 |
| Liberty Mutual | $3,746 | $3,746 |
| Nationwide | $3,011 | $3,112 |
| Progressive | $3,439 | $3,685 |
| State Farm | $2,103 | $2,103 |
| USAA | $1,747 | $1,722 |
Cheap Clearwater, Florida Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Clearwater, Florida compared to the annual auto insurance rates with a clean record in Clearwater, Florida.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $7,678 | $9,237 | $10,241 | $8,532 |
| Geico | $3,140 | $4,009 | $5,961 | $4,896 |
| Liberty Mutual | $4,229 | $5,579 | $8,236 | $5,885 |
| Nationwide | $4,102 | $4,508 | $6,091 | $4,562 |
| Progressive | $4,719 | $6,940 | $5,871 | $6,302 |
| State Farm | $3,411 | $4,071 | $3,741 | $3,741 |
| USAA | $2,513 | $3,120 | $4,641 | $2,638 |
Cheap Clearwater, Florida Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Clearwater, Florida is not easy. Compare the annual rates for DUI auto insurance in Clearwater, Florida to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $10,241 |
| Geico | $5,961 |
| Liberty Mutual | $8,236 |
| Nationwide | $6,091 |
| Progressive | $5,871 |
| State Farm | $3,741 |
| USAA | $4,641 |
Cheap Clearwater, Florida Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Clearwater, Florida annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $12,544 | $7,876 | $6,345 |
| Geico | $6,549 | $3,970 | $2,986 |
| Liberty Mutual | $7,745 | $5,649 | $4,553 |
| Nationwide | $6,024 | $4,424 | $4,000 |
| Progressive | $7,770 | $5,522 | $4,583 |
| State Farm | $5,156 | $3,344 | $2,723 |
| USAA | $5,224 | $2,582 | $1,878 |
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Cheap Clearwater, Florida Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Clearwater, Florida can vary. Compare the annual cost of auto insurance by ZIP code in Clearwater, Florida to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 33755 | $4,062 |
| 33756 | $4,093 |
| 33759 | $4,107 |
Cheap Clearwater, Florida Auto Insurance Rates By Commute
Commute length and annual mileage affect Clearwater, Florida auto insurance. Find the cheapest annual Clearwater, Florida auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $8,665 | $9,178 |
| Geico | $4,480 | $4,524 |
| Liberty Mutual | $5,784 | $6,181 |
| Nationwide | $4,816 | $4,816 |
| Progressive | $5,958 | $5,958 |
| State Farm | $3,610 | $3,872 |
| USAA | $3,191 | $3,265 |
Cheap Clearwater, Florida Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Clearwater, Florida? Check out the comparison of annual Clearwater, Florida auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $6,583 | $9,451 | $10,732 |
| Geico | $3,507 | $4,686 | $5,312 |
| Liberty Mutual | $5,424 | $6,093 | $6,429 |
| Nationwide | $3,634 | $5,037 | $5,776 |
| Progressive | $4,758 | $6,127 | $6,990 |
| State Farm | $3,133 | $3,846 | $4,243 |
| USAA | $2,697 | $3,367 | $3,621 |
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Best By Category: Cheapest Auto Insurance in Clearwater, Florida
Compare the cheapest auto insurance companies in Clearwater, Florida in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
The Cheapest Clearwater, Florida Auto Insurance Companies
What auto insurance companies in Clearwater, Florida are the cheapest? Compare the top Clearwater, Florida auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $8,922 |
| Geico | $4,502 |
| Liberty Mutual | $5,982 |
| Nationwide | $4,816 |
| Progressive | $5,958 |
| State Farm | $3,741 |
| USAA | $3,228 |
What affects auto insurance rates in Clearwater, Florida?
There are a lot of reasons why auto insurance rates in Clearwater, Florida are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Clearwater, Florida. Many local factors may affect your Clearwater auto insurance rates.
Clearwater Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Clearwater, Florida auto theft statistics, there have been 178 auto thefts in the city.
Clearwater Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Clearwater, Florida commute length is 24.1 minutes according to City-Data.
Clearwater Traffic
How does Clearwater, Florida rank for traffic? According to Inrix Clearwater, Florida is the 810th most congested worldwide.
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Compare Clearwater, Florida Auto Insurance Quotes
Before you buy Clearwater, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Clearwater, Florida auto insurance quotes.
Frequently Asked Questions
How does the coverage level selected affect auto insurance rates in Clearwater, FL?
The coverage level you choose can affect auto insurance rates in Clearwater, FL. Higher coverage levels typically result in higher premiums, while lower coverage levels may be more affordable but offer less protection.
Does commute length or annual mileage affect auto insurance rates in Clearwater, FL?
Yes, commute length and annual mileage can impact auto insurance rates in Clearwater, FL. Longer commutes and higher mileage may increase the risk of accidents, potentially leading to higher insurance premiums.
What are the average auto insurance rates in Clearwater, FL?
The average Clearwater, FL auto insurance rates are $442 per month.
What is the minimum auto insurance coverage required in Clearwater, FL?
To comply with Florida auto insurance laws, the minimum auto insurance coverage required in Clearwater is 10/20/10. This means you need at least $10,000 in bodily injury liability coverage per person, $20,000 in bodily injury liability coverage per accident, and $10,000 in property damage liability coverage.
Which auto insurance company is the cheapest in Clearwater, FL?
The cheapest auto insurance company in Clearwater is USAA.
Are there any specific requirements for auto insurance in Clearwater, FL?
Yes, the minimum auto insurance requirements in Clearwater, FL are 10/20/10, as mandated by Florida auto insurance laws.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.