Clearwater, FL Car Insurance
Compare Progressive, Allstate, GEICO and Nationwide (+ other top companies) to find the best and cheapest car insurance in Clearwater.
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?
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.
| 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 Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed 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.
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.
| 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).Â
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| 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.
| 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 |
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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.