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 Average||National Average|
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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 Company||Average Rate (annual)|
Clearwater car insurance premiums by age
The best age for car insurance rates as a driver in Clearwater is your age_50s: drivers in this age group pay an average of $2,467per year. Those in their age_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 group||Average Yearly Rate|
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 Status||Average Yearly Rate|
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
|Incident||Average Annual Rate|
|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|
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 Level||Average Yearly Rate|