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Get Cheap Car Insurance in Clearwater Beach, FL
We monitor insurance prices, helping the average driver in Clearwater Beach save up to 34.6% on car insurance.
The Cheapest Minimum Coverage in Clearwater Beach
The chart below shows the cheapest car insurance company in Clearwater Beach for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Geico, followed by State Farm, Gainsco, and Bristol West.
| Clearwater Beach Insurer | Monthly Cost |
|---|---|
| Geico | $134 |
| State Farm | $142 |
| Gainsco | $186 |
| Bristol West | $186 |
Savings for Every Kind of Clearwater Beach Driver
Based on our extensive insurance data, we know the average Clearwater Beach driver will save about 29% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $823 per year by choosing the right vehicle insurance company. Some Clearwater Beach residents are paying out over $2,814 extra every year for auto insurance in Clearwater Beach. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Clearwater Beach, FL Savings / Yr. |
|---|---|
$823 |
|
$1,209 |
|
$930 |
|
$920 |
|
$2,924 |
|
$799 |
|
$1,164 |
Clearwater Beach Car Insurance vs. Florida
People living in Clearwater Beach pay an average of 6.50% more than the typical driver in the state. The average driver in Clearwater Beach can expect to pay about $2,569 per year, or $2,814 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Clearwater Beach for most people.
Car Insurance Prices by Clearwater Beach Neighborhood
Insurance Prices
Where is insurance cheapest within Clearwater Beach?
The map shows insurance prices in and around Clearwater Beach, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $219 per year within the city boundaries, with insurance premiums ranging from a high of $2,910 to a low of $2,691. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the East parts of Clearwater Beach.Pick the Best Car Insurance Company for You in Clearwater Beach
The best car insurance provider for most drivers in Clearwater Beach
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $823 over the average Clearwater Beach car insurance company.
The best car insurance provider for Clearwater Beach drivers with accidents on their records
In our analysis, Geico saved the average person who had been in an accident the most, with annual savings averaging $1,209 over the competition.
The best car insurance company for Clearwater Beach drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $930 better than other car insurance companies.
The best auto insurance for Clearwater Beach drivers with a DUI conviction
Getting a quote from Geico may cost the average person with a DUI about $920 less each year.
The least expensive car insurance company for new and young drivers in Clearwater Beach
In Clearwater Beach, Geico costs young drivers $2,924 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Clearwater Beach
Geico gave the largest car insurance discounts to married couples, averaging $799 saved each year compared to an average Clearwater Beach couple's premiums.
The cheapest car insurance in Clearwater Beach for drivers with bad credit
The best Clearwater Beach car insurance company for customer service
Allstate was the best company for customer service in Clearwater Beach according to the NAIC.
Recent price drops
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The cheapest large national provider in Clearwater Beach
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Clearwater Beach driver can expect to pay about $156 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Clearwater Beach, USAA has the best prices for good drivers, drivers with accidents, and drivers with speeding tickets.Auto Insurance Prices in and Around Clearwater Beach
What Influences the Cost of Car Insurance in Clearwater Beach?
On average, car insurance in Clearwater Beach is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- Florida state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Clearwater Beach are among the highest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of C+ according to CrimeGrade.org.
- Clearwater Beach is one of the least populated areas in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Clearwater Beach is $214 per month for minimum coverage and $234 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Belleair: Insurance costs 1.56% less
- Belleair Beach: Insurance costs 0.71% less
- Belleair Bluffs: Insurance costs 2.03% less
- Clearwater: Insurance costs 1.07% more
- Dunedin: Insurance costs 0.07% more
- Indian Rocks Beach: Insurance costs 0.46% less
- Largo: Insurance costs 0.46% less
- Crystal Beach: Insurance costs 1.35% less
- Indian Shores: Insurance costs 0.39% more
- South Highpoint: Insurance costs 5.37% more
Cities with Similar Populations
- Richmond: Insurance costs 6.72% more
- Park Ridge: Insurance costs 34.90% less
- Pitman: Insurance costs 36.25% less
- Pollock Pines: Insurance costs 30.95% less
- Pompton Plains: Insurance costs 37.46% less
- Prairie View: Insurance costs 35.43% less
- Red Hook: Insurance costs 17.56% less
- Reidsville: Insurance costs 40.97% less
- Rhinebeck: Insurance costs 16.60% less
- Richland Hills: Insurance costs 36.43% less