Clearwater, FL Car Insurance

Drivers in Clearwater pay $224 per month for car insurance on average. Are you paying too much?

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How much is auto insurance in Clearwater?

 

The typical Clearwater driver pays $2,685 per year for car insurance coverage. That's more expensive than the average across Florida ($2,309) and more costly than the national average of $1,548. Our guide to car insurance in Clearwater — researched and written by The Zebra's team of licensed insurance experts — includes average premiums based on age, credit score, driving history, and marital status. Read on for more information.

 
AUTO INSURANCE: CLEARWATER RATES VS. STATE + NATIONAL AVERAGES
Clearwater Average (annual)Florida AverageNational Average
$2,685$2,309$1,548
 
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Clearwater car insurance rates by company

 

The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the provider from which you receive the most affordable quote. In Clearwater, State Farm provides the most affordable rates for the typical insurance customer. We've listed the best cheap car insurance companies in Clearwater below. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.

 
CLEARWATER CAR INSURANCE RATES BY COMPANY
Insurance CompanyAverage Rate (annual)
State Farm$1,840
GEICO$2,533
Progressive$3,005
Allstate$3,663
 

Read our guide to finding the best cheap auto insurance.

 
 

 

Clearwater car insurance premiums by age

The best age for car insurance rates as a driver in Clearwater is your 50s: drivers in this age group pay an average of $2,467 per year. Those in their 60s don't pay much more ($2,518).

Teen drivers pay Clearwater's most expensive auto insurance rates. One of the most effective ways to lower your car insurance rates as a driver in Clearwater is to age out of your teens. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Clearwater is $4,163. That's the biggest gap in premiums between any pair of age brackets.

 
CLEARWATER AUTO INSURANCE PREMIUMS BY DRIVER AGE
Age groupAverage Yearly Rate
Teenagers$7,575
20s$3,412
30s$2,678
40s$2,630
50s$2,467
60s$2,518
70s$3,070
 

Learn more about how age influences auto insurance rates.

 
 

 

Clearwater auto insurance rates by gender and marital status

 

Marital status and gender can be contributors to car insurance rates, in some cases. In most locations in the US, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Clearwater pay $98 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. In Clearwater, insurance rates for those who are widowed are less expensive than rates for those who are single.

Gender is yet another factor that can affect auto insurance premiums. In Clearwater, female drivers pay $68 per year more than do male drivers.

 
CLEARWATER CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Gender/Marital StatusAverage Yearly Rate
Female$2,753
Male$2,685
Single$2,587
Married$2,587
Divorced$2,685
Widowed$2,636
 

Learn more about how gender and marital status have on car insurance rates.

 
 

 

Clearwater car insurance rates by citation and accident history

 

No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates affordable. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.

Two of the most costly citations to receive are DUI and reckless driving. Clearwater drivers found guilty of reckless driving face insurance rate increases of $1,409 per year, compared to the citywide average. A DUI violation may lead to a $1,287 increase, while a citation for speeding leads to a $680 rate hike.

 
CLEARWATER CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
IncidentAverage Annual Rate
DWI/DUI$3,972
Reckless Driving$4,093
At-fault Accident (damages less than $1,000)$3,677
At-fault Accident (damages greater than $2,000)$3,677
Speeding Ticket (16-20 mph over speed limit)$3,365
 

Learn more about the impact of driving violations on car insurance rates.

 
 

 

Clearwater car insurance rates by credit level

 

It's no secret credit score is closely correlated with car insurance rates. In fact, Clearwater drivers who improve their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn, on average, a 59% decrease in their auto insurance costs. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in pursuit of better car insurance rates. In Clearwater, improving your credit to "Fair" corresponds with a $2,012 decrease in annual car insurance rates.

 
CLEARWATER CAR INSURANCE RATES BY CREDIT LEVEL
Credit LevelAverage Yearly Rate
Very Poor$5,302
Fair$3,291
Good$2,685
Very Good$2,433
Exceptional$2,160
 

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.

 
 

 

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Kristine Lee
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.