bestauto insuranceClearwaterCompare the Cheapest Car Insurance Quotes in Clearwater, FL
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The cost of a car insurance policy can vary greatly depending on the insurance company you choose, your coverage needs and your driver profile. In Clearwater, GEICO offers the cheapest, widely available full and state minimum coverage on average. State Farm is best for drivers with a speeding ticket, whereas in most instances, USAA is the cheapest option for those who come from a military family. MoneyGeek rated GEICO best overall because the insurance company balances affordability with quality customer service.
bestauto insuranceClearwaterThe Cheapest and Best Car Insurance in Clearwater
Cheapest Overall - GEICO
Cheapest State Minimum - GEICO
Cheapest With a Driving Violation - State Farm
Best Overall - GEICO
The Cheapest Car Insurance Companies in Clearwater
For drivers looking for full coverage car insurance in Clearwater, the two auto insurers offering the cheapest annual premiums are:
- GEICO: $1,596 per year
- State Farm: $1,611 per year
USAA is actually far cheaper at $962 per year; however, car insurance is offered by USAA exclusively to members of the military and their families.
GEICO’s rate is the cheapest in Clearwater, costing 68% (or $1,094) less than a similar policy from Progressive, the city’s most expensive car insurance company. A full coverage policy protects you financially by including comprehensive and collision insurance, though prices may change depending on your selected liability insurance.
Cheapest Car Insurance in Clearwater
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$962
- 2.$1,596
- 3.$1,611
- 4.$1,863
- 5.$1,915
MoneyGeek collected car insurance rates for our sample driver, being a 40-year-old male in Clearwater with a full coverage policy, as defined in our methodology.
If you’re in a car accident, full coverage insurance will protect you financially against the cost of damage to your vehicle. Since full coverage typically includes both comprehensive and collision insurance, it is usually more expensive than minimum coverage.
- Comprehensive insurance: pays for repairs to damage to your vehicle not caused by a collision
- Collision insurance: pays for repairs to damage to your vehicle resulting from an at-fault accident
Liability-only insurance or state minimum car insurance may be the cheapest options if you have an older car, especially if full coverage insurance premiums cost more than the replacement value of your vehicle.
Compare Car Insurance Rates in Clearwater
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Clearwater for Minimum Coverage
If you’re looking for the cheapest available insurance, you may consider buying a policy with minimum coverage. The most affordable state minimum car insurance in Clearwater is offered by:
- GEICO: $698 per year
- State Farm: $882 per year
USAA has the cheapest minimum coverage in the city at $432 per year, but it’s exclusive to veterans, current members of the military and their families.
GEICO’s premium is $832 cheaper than similar coverage from Progressive, the most expensive car insurance company in Clearwater. Keep in mind that minimum coverage is more affordable because it doesn’t include comprehensive and collision insurance.
Use the table below to see how rates can change with higher liability limits.
Cheapest Minimum Liability Car Insurance in Clearwater
State Minimum
- CompanyState Minimumper year
- 1.$432
- 2.$698
- 3.$882
- 4.$964
- 5.$1,010
Drivers in Florida must have car insurance that meets the state minimum requirements of $10,000 in personal injury protection (PIP) and $10,000 in property damage coverage. State minimum coverage is the cheapest insurance you can buy in Clearwater. However, it offers the least protection, so in the event of a car accident, you may end up paying more out of pocket.
For example, if you cause $15,000 in damage to the other driver’s car in an accident, your minimum insurance will only cover $10,000 of that. You’ll have to pay the remaining $5,000 yourself.
Florida Minimum Liability Requirements
- ItemDescription
- Property Damage$10,000 for property damage. A more protective level is 100/300/100.
- Personal Injury Protection$10,000 per person.
Cheapest Car Insurance in Clearwater if You Have Driving Violations
Your driving history can adversely impact your auto insurance premiums. Traffic violations like speeding, at-fault accidents or DUIs increase the overall cost of your insurance. The cheapest policies in Clearwater for drivers with violations are from:
- Cheapest after a ticket: State Farm, $1,737 per year
- Cheapest after an at-fault accident: State Farm, $1,864 per year
- Cheapest after a DUI: State Farm, $1,737 per year
USAA is the cheapest insurance company in the city, offering policies at $1,063 per year for drivers with a speeding ticket and $1,254 per year for an at-fault accident. However, USAA car insurance is only offered to current and retired military personnel and their families.
You can lower your insurance rates by improving your driving record over time. In the meantime, shop around to find which company in Clearwater offers the best cheap car insurance for drivers with bad records.
Cheapest Car Insurance in Clearwater With a Violation
Speeding Ticket
- CompanySpeeding Ticketper year
- 1.$1,063
- 2.$1,737
- 3.$2,205
- 4.$2,362
- 5.$2,687
Average Cost of Car Insurance in Clearwater
Clearwater$2,091
Florida$2,208
U.S.$1,424
Clearwater's average car insurance rate is lower than the state average and higher than the national average. The average cost of auto insurance in Clearwater is $2,091 per year. This is 5.3% less than Florida's state average for a similar policy, which is $2,208 per year. On the other hand, the rate is 46.8% more than the national annual average of $1,424.
Personalized Quotes to Get You the Cheapest Car Insurance in Clearwater
Factors such as age, gender, location, driving record, credit score and more affect car insurance rates in Clearwater. Getting a personalized quote from multiple companies will help you find the best rate.
You can get the best car insurance rates in Clearwater if you compare auto insurance rates from different companies on a regular basis. This can also help you find whether you are eligible for any deals offered by the companies.
Compare Car Insurance Rates in Clearwater
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Car Insurance Companies in Clearwater
MoneyGeek identified the top car insurance companies in Clearwater based on average premium cost, customer satisfaction ratings and claims history.
We found the following companies are the two top-rated car insurance companies in Clearwater:
- GEICO: MoneyGeek score of 76 out of 100
- State Farm: MoneyGeek score of 75 out of 100
We excluded USAA from our rankings despite its perfect score of 100 because it is only available to military members. USAA is the best car insurance company for current or retired military personnel and their families in Clearwater.
1
GEICO
Score:76
GEICO has a perfect financial stability score and high claims and customer satisfaction scores. A full coverage GEICO insurance policy for a 40-year-old driver in Clearwater costs an average of $1,596 per year. The company provides mechanical breakdown insurance as a unique add-on coverage.
More About GEICO
GEICO provides four different policy add-on options in Clearwater. For example, mechanical breakdown insurance covers all your car’s parts and systems at a lower price than a dealer's extended warranty. It’s available for new or leased cars less than 15 months old and with no more than 15,000 miles.
GEICO offers roadside assistance coverage for towing and lockout assistance. It also has rental car reimbursement, which pays for transportation costs if your vehicle is rendered unusable due to an accident.
Read MoneyGeek's GEICO auto Insurance Review2
State Farm
Score:75
State Farm received high scores for claims and satisfaction in Clearwater, making it the second-best car insurance provider in the city. Drivers who work for a ridesharing company like Uber or Lyft may get rideshare insurance from State Farm. The average cost of State Farm car insurance for a 40-year-old male driver with a clean driving record is $1,611 per year.
More About State Farm
State Farm is Clearwater's second-best auto insurance provider. State Farm's roadside assistance, rental car reimbursement and ridesharing insurance may be added to any State Farm policy. Other insurance companies rarely offer coverage for rideshare drivers. State Farm’s add-on rideshare coverage extends most of your policy’s coverage while the app is on and you are available for hire.
Read MoneyGeek's State Farm auto Insurance Review3
Travelers
Score:64
4
MetLife
Score:62
5
Allstate
Score:55
6
Allied
Score:31
7
Mercury
Score:28
8
Progressive
Score:26
Average Cost of Car Insurance by Postal Code
One of the factors that affect the cost of auto insurance in Florida is your ZIP code. Risk factors such as car thefts, accidents and claims history can vary by postal code. You’ll pay more if you live in a riskier location.
MoneyGeek compared two ZIP codes from Clearwater. The analysis found that residents of ZIP code 33756 will pay an average of $2,088 for auto insurance per year, which is only $6 less than what the residents of ZIP code 33755 pay on average.
- Zip CodeState Minimumper year
- 33756$2,088
- 33755$2,094
Factors That Impact Insurance Costs in Clearwater
In addition to individual driver needs and history, location-specific factors like personal injury protection coverage requirements and the percentage of uninsured motorists also contribute to car insurance rates in Clearwater. How Clearwater ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
About Mark Fitzpatrick
sources
- Kaiser Family Foundation. "2019 Employer Health Benefits Survey." Accessed January 16, 2020.