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Get Cheap Car Insurance in Clearwater, FL
We monitor insurance prices, helping the average driver in Clearwater save up to 34.6% on car insurance.
The Cheapest Minimum Coverage in Clearwater
The chart below shows the cheapest car insurance company in Clearwater 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 Insurer | Monthly Cost |
|---|---|
| Geico | $136 |
| State Farm | $144 |
| Gainsco | $188 |
| Bristol West | $188 |
Savings for Every Kind of Clearwater Driver
Based on our extensive insurance data, we know the average Clearwater 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 $832 per year by choosing the right vehicle insurance company. Some Clearwater residents are paying out over $2,844 extra every year for auto insurance in Clearwater. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Clearwater, FL Savings / Yr. |
|---|---|
$832 |
|
$1,222 |
|
$940 |
|
$930 |
|
$2,955 |
|
$807 |
|
$1,177 |
Clearwater Car Insurance vs. Florida
People living in Clearwater pay an average of 7.66% more than the typical driver in the state. The average driver in Clearwater can expect to pay about $2,597 per year, or $2,844 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Clearwater for most people.
Car Insurance Prices by Clearwater Neighborhood
Insurance Prices
Where is insurance cheapest within Clearwater?
The map shows insurance prices in and around Clearwater, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $713 per year within the city boundaries, with insurance premiums ranging from a high of $3,271 to a low of $2,558. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the Southeast parts of Clearwater.Pick the Best Car Insurance Company for You in Clearwater
The best car insurance provider for most drivers in Clearwater
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $832 over the average Clearwater car insurance company.
The best car insurance provider for Clearwater 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 $1,222 over the competition.
The best car insurance company for Clearwater drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $940 better than other car insurance companies.
The best auto insurance for Clearwater drivers with a DUI conviction
Getting a quote from Geico may cost the average person with a DUI about $930 less each year.
The least expensive car insurance company for new and young drivers in Clearwater
In Clearwater, Geico costs young drivers $2,955 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Clearwater
Geico gave the largest car insurance discounts to married couples, averaging $807 saved each year compared to an average Clearwater couple's premiums.
The cheapest car insurance in Clearwater for drivers with bad credit
The best Clearwater car insurance company for customer service
Recent price drops
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The cheapest large national provider in Clearwater
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Clearwater 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, USAA has the best prices for good drivers, drivers with accidents, and drivers with speeding tickets.Auto Insurance Prices in and Around Clearwater
What Influences the Cost of Car Insurance in Clearwater?
On average, car insurance in Clearwater 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 are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of B according to CrimeGrade.org.
- Clearwater has an average population density in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Clearwater is $216 per month for minimum coverage and $237 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
- Dunedin: Insurance costs 0.98% less
- Safety Harbor: Insurance costs 2.43% less
- Belleair: Insurance costs 2.60% less
- Clearwater Beach: Insurance costs 1.05% less
- South Highpoint: Insurance costs 4.25% more
- Largo: Insurance costs 1.51% less
- Belleair Bluffs: Insurance costs 3.06% less
- Belleair Beach: Insurance costs 1.76% less
- Oldsmar: Insurance costs 0.11% less
- Palm Harbor: Insurance costs 0.81% less
Cities with Similar Populations
- Noblesville: Insurance costs 58.30% less
- New Port Richey: Insurance costs 2.36% less
- New Britain: Insurance costs 22.36% less
- Norman: Insurance costs 37.13% less
- Newnan: Insurance costs 34.77% less
- Norfolk: Insurance costs 54.11% less
- New York: Insurance costs 37.69% less
- New Rochelle: Insurance costs 2.67% more
- Norcross: Insurance costs 25.88% less
- Newport News: Insurance costs 55.10% less