Clearwater Car Insurance

The Zebra
May 30, 2018

Car Insurance in Clearwater

Clearwater premiums exceed Florida's average by $294, which is why the city is known for its expensive premiums, so it is especially important to cut costs while insuring a vehicle in Clearwater. Keep some money in your pocket by following the tips below about how to save on car insurance in Clearwater.

  • City Average: $2,172
  • State Average: $1,878
  • National Average: $1,427

Clearwater Car Insurance by Accident or Violation History

By knowing which driving mishaps can make your premiums spike, you can make better decisions and save money. Even among safe drivers, accidents happen, so be prepared and learn what one can do to your rates. In Clearwater, individuals who are found at-fault in an accident end up spending $811 more than the city average on car insurance each year. Drivers with a DUI in Clearwater need to spend 53% more than the city average to insure their vehicle. Reckless driving will also bump your premiums up, with typical rates of $3,293!

  • DUI: $3,315
  • Reckless Driving: $3,293
  • At-fault Accident (damages less than $1000): $2,983
  • At-fault Accident (damages greater than $2000): $2,983
  • Speeding Ticket (16-20 mph over speed limit): $2,808

Clearwater Car Insurance by Credit Rating

Improving your credit tier from Very Poor credit (300-579) to Exceptional credit (800-850) can save you an average of $2,313 each year on car insurance. Drivers can save around $646 per year when they boost their credit tier from Very Poor (300-579) to Fair (580-669).

  • Very Poor: $4,212
  • Fair: $3,439
  • Good: $2,793
  • Very Good: $2,277
  • Exceptional: $1,899

Clearwater Car Insurance by Gender and Marital Status

Car insurance premiums in Clearwater can be affected by gender as well as marital status. Being single can cost you roughly $80 more per year compared to being married. Rates for those who are widowed are moderately cheaper than rates for those who are single. Unfortunately for women, their premiums tend to be 3% more costly than for men.

  • Female: $2,227
  • Male: $2,172
  • Single: $2,172
  • Married: $2,090
  • Divorced: $2,172
  • Widowed: $2,125

Clearwater Car Insurance by Age

In Clearwater, when drivers reach their 20s, therefore moving out of the teenage age bracket, they save an average of 54%. It is the largest gap between any age group. Insurance rates for drivers in Clearwater continue to shrink through their 50s, but they can expect an increase when they hit 60. Everyone loves to save money, and luckily for drivers in their 50s, they do just that! They have the smallest insurance payments among any age group, with rates of $1,988 per year. Those in their 60s ($2,026) have premiums that aren't much higher. With rates of $6,179 on average, teenage drivers pay the most in car insurance premiums.

  • Teenagers: $6,179
  • 20s: $2,837
  • 30s: $2,163
  • 40s: $2,123
  • 50s: $1,988
  • 60s: $2,026
  • 70s: $2,464

Compare rates today!