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Kristine Lee

Insurance Analyst

Credentials
  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

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Ross Martin

Insurance Writer

Credentials
  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

Ross h…

How much does car insurance cost in Clearwater?

The typical Clearwater driver pays $1,342 every six months for car insurance coverage. That's more expensive than the average across Florida ($1,154) and more costly than the national average of $880. Our guide to Clearwater auto insurance includes average rates based on age, credit score, and other factors. Read on to learn more!

Car insurance in Clearwater vs. Florida Average 6 Mo. Premium
Clearwater average $1,342
Florida average $1,154

The Zebra's key takeaways about car insurance in Clearwater:

  • The average cost of a car insurance policy in Clearwater is $1,342 per six-month policy — $223 per month.
  • The cheapest company in Clearwater is State Farm ($920).
  • 48% of Zebra customers in Clearwater stated they used our product because they were paying too much for car insurance with their current provider.

Are you paying too much for auto insurance?

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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.

Cheapest car insurance companies in Clearwater, FL
Company Avg. 6 Mo. Premium
State Farm $920
GEICO $1,266
Progressive $1,502
Allstate $1,831

The Zebra’s auto insurance data methodology

The auto insurance rates published in this guide are based on The Zebra’s annual analysis of average car insurance premiums in every U.S. ZIP code. This data comes to us from Quadrant Information Services, which sources the latest approved rate filings across carriers in each state from S&P Global. Quadrant then uses an internal QA process to validate the information and build reports before the data is queried and analyzed by The Zebra.

Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage at these levels:

  • $50,000 per person/$100,000 per incident for bodily injury liability
  • $50,000 per incident for property damage liability
  • $500 deductibles for collision and comprehensive coverage

To provide insight to consumers on how specific personal factors (like age, location and coverage level) can affect your premium, this base profile is then adjusted for different factors commonly used by insurance companies. For more information, see our full data methodology.


Shop around for the best rates


The only way to know which company has the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in Clearwater.

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Clearwater auto insurance rates by age

Our data tells us that drivers between the ages of 60-69 make up 25% of Clearwater drivers. The best age for car insurance rates as a driver in Clearwater is your 50s: drivers in this age group pay an average of $1,233 per six-month policy. Those in their 60s don't pay much more ($1,259).

Teenage 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 costs by age
Age bracket Avg. 6 Mo. Premium
Teenagers $3,787
20s $1,706
30s $1,339
40s $1,315
50s $1,233
60s $1,259
70s $1,535

Clearwater car insurance rates by credit score

It's no secret credit score is closely correlated with car insurance rates. 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 $1,006 decrease in six-month car insurance rates.  Our data tells us 33% of drivers in Clearwater have a credit score of good (680-719). 

 

credit score
Clearwater auto insurance costs by credit level
Credit Tier Avg. 6 Mo. Premium
Very Poor $2,651
Fair $1,645
Good $1,342
Very Good $1,216
Exceptional $1,080

Clearwater car insurance rates by violation

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 auto insurance rates after a violation
Incident Avg. 6 Mo. Premium
DWI/DUI $1,986
Reckless Driving $2,046
At-fault Accident (damages less than $1,000) $1,838
At-fault Accident (damages greater than $2,000) $1,838
Speeding Ticket (16-20 mph over speed limit) $1,682

Compare over 100 insurance companies at once!

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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 editorial 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.