Clearwater, FL Car Insurance

How Much Does Car Insurance Cost in Clearwater?

Clearwater has an average of $2, 674 car insurance rate per year. Relatively, it is higher than the state’s average rate of $2,297 and the nation’s average of $1,541. A typical driver in Clearwater would pay $223 monthly for car insurance. However, every driver acquires modified car insurance rates according to their unique driver profile. Different factors are evaluated by insurers when calculating your car insurance quote. Your marital status, driving history, credit tier, age, and location are the most common aspects that influence your annual car insurance cost in Clearwater. 

If you wish to save on your car insurance in Clearwater, then it is best to closely compare the rates of different companies. Closely evaluate your location, age, driving history, credit tier, and marital status and compare car insurance prices from different companies. It will greatly help in identifying the one that best fits your driving status.

Clearwater Car Insurance Costs by Company

Every car insurance company in Clearwater has different policies and rates. State Farm offers the cheapest car insurance in Clearwater with an average rate of $1,432 annually. If you maintain a clean driving history, it is likely for your car insurance rates to cling on the average scale. Additionally, the best way to garner cheap car insurance in Clearwater is by comparing rates from multiple companies and looking closely at their perks and discounts that you are qualified.

Insurance CompanyAnnual RateMonthly Rate
State Farm$1,832$153
Direct Auto$2,999$250

Florida Cheapest Car Insurance Rates For Minimum Coverage

If you are looking for an insurance company in Florida that offers the cheapest car insurance cost, there are several companies that provide minimum car insurance coverage at a competitive price. State Farm by far offers the best deal when it comes to purchasing car insurance with minimum coverage.

Insurance CompanyAnnual RateMonthly Rate
State Farm$2,528$211
Direct Auto$3,266$272

Clearwater Auto Insurance Rates by Age Bracket

Another aspect that influences car insurance rates in Clearwater is the driver’s age. Your age projects how mcuh experience you have on the road. Thus, it greatly impacts car insurance rates in Clearwater. Drivers with ages 50 and above pay cheaper auto insurance premiums in contrast to other age groups. Teenagers, however, pay the most for car insurance in Clearwater. On a brighter note, when teens reach the age of 20, a substantial decrease in their premiums will immediately reflect.

Clearwater Car Insurance Rates Per Age Group

Age GroupAnnual RateMonthly Rate

Florida Cheapest Full Coverage Insurance Rates For Young Drivers With Clean Driving History

In Florida, teen drivers are considered high-risk drivers. They pay the most expensive car insurance rates in Florida in contrast to other ages. But, if you are a young driver without any driving violation, several auto insurance companies in Florida offer cheaper premiums.

Insurance CompanyAnnual RateMonthly Rate
State Farm$2,001$167
Direct Auto$3,201$267

Clearwater Car Insurance Premiums By Gender and Marital Status

The driver’s marital status and gender are other factors that affects car insurance rates in Clearwater. Many married couples and widowed drivers in Clearwater pay cheaper rates compared to single drivers. While married couples are considered responsible drivers compared to single drivers, their gender also affects their overall auto insurance premiums. Male drivers in Clearwater are considered skillful drivers. Thus, female drivers pay more than males for car insurance in Clearwater.

Clearwater Car Insurance Premiums by Marital Status and Gender

Marital Status/GenderAnnual RateMonthly Rate

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Florida Cheapest Car Insurance Rates For Married Couples

As was mentioned, married couples carry cheaper car insurance rates in Florida. Married couples are considered financially stable and low-risk drivers. Thus, they are given cheaper car insurance rates in Florida in contrast to other marital statuses. MetLife by far offers the cheapest auto insurance rates for married couples.

Insurance CompanyAnnual RateMonthly Rate
State Farm$2,721$227
Direct Auto$3,233$269

Clearwater Auto Insurance Rates After an Accident or Violation

A clean driving history can substantially minimize your Clearwater car insurance costs. A speeding citation in Florida is considered an offense. Also, one at-fault accident can drive your premiums to increase substantially. Moreover, acquiring reckless driving citations are also considered serious issues. Thus, maintaining a good driving record in Clearwater will keep your premiums low and close to the average of $2,674 per year

Clearwater Car Insurance Rates For High-Risk Drivers

Driving ViolationAnnual RateMonthly Rate
Reckless Driving$4,087$341
At-Fault Accident (less than $1000 damages)$3,655$305
At-Fault Accident (more than $1000 damages)$3,655$305
Speeding Ticket$3,357$280

Florida Average Auto Insurance Costs With One At-Fault Accident

Car insurance rates in Florida typically increase after one at-fault accident. The amount of increase depends on the number of damages caused by the at-fault driver. However, there are car insurance companies around Florida that offer less expensive car insurance premiums to high-risk drivers.

Insurance CompanyAnnual RateMonthly Rate
State Farm$2,033$169
Direct Auto$3,411$284

Florida Average Car Insurance Rate After A Ticket

Getting a speeding ticket is a serious road safety offense in Florida. Thus, drivers will pay typically more on their auto insurance premiums after a ticket. However, some insurance companies around the state provide cheap car insurance premiums to reckless drivers in Florida.

Insurance CompanyAnnual RateMonthly Rate
State Farm$1,902$159
Direct Auto$3,163$264

Clearwater Auto Insurance Rates by Credit Tier

Your credit tier is another factor Clearwater auto insurance companies evaluate extensively when quoting your car insurance rates. Building your credit from Very Poor to Exceptional will give you savings up to 59% annually on your car insurance rates. Therefore, keeping a good credit score is one way for your rates to stay on the average in Clearwater.

Clearwater Car Insurance Premiums by Credit Tier

Credit LevelAnnual RateMonthly Rate
Very Poor$5,292$441
Very Good$2,422$202

Florida Average Car Insurance Rates by Poor Credit with Minimum Coverage

Several car insurance companies in Florida provide cheap premiums for drivers with poor credit who purchase minimum coverage policies. State Farm offers the cheapest car insurance rates with minimum coverage in Florida.

Insurance CompanyAnnual RateMonthly Rate
State Farm$1,989$166
United Auto$2,671$223
Direct Auto$1,298$108

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Florida Average Car Insurance Rates For Good Drivers With Poor Credit

Your credit score is one of the aspects that impact your car insurance rates in Florida. Having a poor credit score can increase your car insurance premiums. However, if you are a good driver with poor credit, there are several car insurance companies in Florida that offer cheap coverage despite the poor credit tier.

Insurance CompanyAnnual RateMonthly Rate
Direct Auto$2,528$211
United Auto$3,206$267
State Farm$3,266$272

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Clearwater Car Insurance FAQs

  • What is the best thing to do to decrease my car insurance rate in Clearwater?

    Although there are many factors that contribute to your car insurance cost in Clearwater, there are also ways to minimize the total rate of your policy. Trying to qualify for perks and discounts your car insurance provider can help you lower your car insurance rate.

  • How do I find an auto insurance company in Clearwater that best fits my profile?

    Hiring an agent can help you determine what’s best for your current driving profile. Insurance agents in Clearwater are trained to compare and identify the best coverage and company an individual must have.

  • Why do car insurance companies in Clearwater use my prior records for assessments?

    Your past records help insurers determine your rate and at the same time know which discounts you qualify.

  • What kind of car insurance discounts are available in Clearwater?

    Every car insurance company offers unique perks and discounts to their clients. It is best to talk to your agent and find out what perks and discounts you qualify for.

  • Get Cheapest Insurance Quote

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