4.8out of 3,000+ reviews
Car Insurance in Clearwater, FL
The average cost of Florida car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Clearwater, FL to find you the cheapest quotes in the area.
The average cost of car insurance in Clearwater is $260 per month, or $3120 annually.
Car insurance in Clearwater is $13 more than the average cost of car insurance in Florida.
The cheapest car insurance provider in Clearwater on average is AssuranceAmericaEconomy, but you should always compare quotes to find your best personal rate.
Quotes by Top Companies
Cheapest Car Insurance in Clearwater, FL
The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
|Insurance Provider in Clearwater||Quotes The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.|
|State Farm||$211 /mo|
|Direct Auto||$218 /mo|
Compare Car Insurance Quotes Instantly
Average Car Insurance Cost
Click here to learn about car insurance quotes and save on your current policy.
Minimum Car Insurance Requirements in Florida
All motor vehicles operated or parked on Florida roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:
Requested by law enforcement
Renewing vehicle registration
The vehicle is involved in a car accident
The minimum liability insurance requirements for private passenger vehicles in Florida are:
$10,000 per accident for property damage
If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident. Florida is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.
$10,000 per accident for PIP
Personal injury protection coverage, also referred to as PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.
For more detailed Florida city level guides, check out these below.
FAQs - Clearwater, FL Car Insurance
Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim.
If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs.
Car insurance rates vary by state, driver, and company. Click here to find the cheapest car insurance quotes and companies in your area. If you’re looking for rates tailored to you, use Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts.
How Clearwater Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Clearwater, Florida below:
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Clearwater drivers measure up to their fellow motorists across Florida in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Most Popular Car in Clearwater
City with the Most Speeding Tickets Rank in Florida
City with the Most Moving Violations Rank in Florida
City with the Most DUIs Rank in Florida
City with the Most Suspended Licenses in Florida
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Clearwater drivers rank 24 in the number of car accidents per driver across all cities in Florida.
- Rank within state: #24
- Percent of drivers in Clearwater with an accident: 10.4%
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Clearwater drivers rank 34 in the number of DUI’s per driver across all cities in Florida.
- Rank within state: #34
- Percent of drivers in Clearwater with a DUI: 1.2%
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Florida, Clearwater drivers rank 43 in the number of reckless driving offenses per driver.
- Rank within state: #43
- Percent of drivers in Clearwater with a reckless driving offense: 2.2%
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Florida, Clearwater drivers rank 37 in rude driving infractions.
- Rank within state: #37
- Percent of drivers in Clearwater with a reckless driving violation: 2.5%
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Florida, Clearwater drivers rank 84 in the number of speeding infractions per driver.
- Rank within state: #84
- Percent of drivers in Clearwater with a speeding ticket: 7.3%
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Clearwater drivers rank 173 in clean driving records across all cities in Florida.
- Rank within state: #173
- Percent of drivers in Clearwater with clean record: 77.6%
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Clearwater drivers rank 71 in hybrid and electric vehicle ownership across all cities in Florida.
- Rank within state: #71
- Percent of drivers in Clearwater with a hybrid/electric vehicle: 1.16%
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Compare Car Insurance Quotes Instantly
Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.
- Florida Highway Safety and Motor Vehicles. "State Minimum Car Insurance Requirements." Accessed May 28, 2022