Clearwater Car Insurance

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 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 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.



Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has been a contributor to numerous publications focused on the nuances of insurance, including BestCompany.com.