When shopping for car insurance, remember that your unique driving record and needs may impact which company can offer you the best rate.
State Farm is the best overall car insurance provider in Clearwater, Florida. It also offers the cheapest full coverage policies and the most affordable policies for military personnel and drivers with violations. Meanwhile, GEICO offers the cheapest minimum coverage car insurance and is our pick for the best cheap insurer. Travelers offers the best customer service, while Nationwide has the cheapest policies for teen drivers.
Cheapest and Best Car Insurance in Clearwater
Cheapest Minimum Liability Car Insurance in Clearwater
The cheapest minimum coverage car insurance companies in Clearwater, Florida, are:
- GEICO: $592 per year
- State Farm: $612 per year
The most expensive company for a minimum coverage policy in Clearwater is Direct General Insurance at $1,256 per year.
GEICO narrowly beat out State Farm for the cheapest minimum coverage insurance in Clearwater, but the cheapest car insurance in Florida as a whole is offered by State Farm at an average of $507 as of October 2002. This is $105 more than the same company’s average rate in Clearwater. Rates can vary greatly depending on a driver's precise location, even within the same state.
Minimum insurance coverage levels are mandated by state law. In Florida, this coverage includes property damage liability and personal injury protection.
The amounts are as follows:
- $10,000 property damage liability per accident
- $10,000 personal injury protection
Liability coverage is an important aspect of any insurance policy, as it protects policyholders from financial losses due to accidents or injuries caused to others.
For example, say you have $50,000 in bodily injury liability coverage per person and $100,000 per accident. In this case, your insurance company will only cover up to $50,000 in damages for any single victim, up to a maximum of $100,000 per accident (essentially covering up to two victims). You will be responsible for any costs exceeding these limits.
Cheapest Full Coverage Car Insurance in Clearwater
The cheapest car insurance companies for a full coverage policy in Clearwater are:
- State Farm: $1,218 per year
- GEICO: $1,597 per year
The most expensive insurance provider is Direct General Insurance, which costs $2,447 annually.
As of October 2022, the cheapest full coverage car insurance in Florida is the same as in Clearwater — it’s State Farm, which costs an annual premium of $1,058. That’s $160 less than this coverage typically costs in Clearwater.
When it comes to auto insurance, many policyholders opt for a full coverage policy to provide the highest level of protection for their vehicles. A full coverage policy includes liability coverage and adds comprehensive and collision insurance.
- Collision Insurance: Covers damages to your vehicle resulting from a collision with another vehicle or object (e.g., a tree).
- Comprehensive Insurance: Covers damages to your vehicle from non-collision incidents like theft, vandalism, fire or natural disasters.
Comprehensive and collision insurance can offer added peace of mind to policyholders. But if you have an older car, you may not want to pay for full coverage. You'll be paying a lot more to insure a vehicle that may not be worth repairing.
Cheapest Car Insurance in Clearwater After a Driving Offense
The cheapest car insurance company for drivers who have driving violations in Clearwater is State Farm.
- Speeding ticket: State Farm ($1,377 per year)
- At-fault accident: State Farm ($1,498 per year)
- DUI: State Farm ($1,377 per year)
If you have a speeding ticket on your record, the most expensive insurance company is GEICO, which charges an average annual premium of $3,137. Following an at-fault accident, Allstate charges drivers an annual premium of $4,141, making it the most expensive company for this violation. Nationwide is the most expensive insurance provider for drivers with a DUI, charging roughly $3,767 per year.
Having an offense on your record significantly affects your rates. Keep in mind that the cheapest company’s rates for poor records will still be much more expensive than rates for safe drivers.
Generally, rates tend to increase as you incur more serious violations. For instance, the cheapest insurance policy with an at-fault accident in Clearwater is about $121 more expensive than the most affordable policy with a speeding ticket.
The exact rate difference depends on the city and state you’re currently living in. Finding the cheapest car insurance for poor driving records can protect you in the future.
Cheapest Car Insurance in Clearwater for Teens and Their Families
The cheapest car insurance companies for teens on a family policy in Clearwater are:
- Nationwide: $3,966 per year for teen girls, $4,467 for teen boys
- State Farm: $4,424 per year for teen girls, $5,364 for teen boys
Generally, car insurance rates tend to be higher for teen boys, as they are considered riskier to insure. Nationwide, for example, charges $525 more per year to insure teen boys than teen girls. The difference in rates fades away as teens mature into young adults.
When it comes to insuring teens, individual policies cost much more than adding teens to a family policy. In Clearwater, the average cost of a family policy is $4,449 per year, while an individual teen policy costs $9,389 per year on average. Adding a teen to your family policy will save you approximately $4,940 annually.
MoneyGeek has compiled the cheapest car insurance for teens to help you find the best policy for your needs.
Cheapest Car Insurance in Clearwater for Military Drivers
The cheapest car insurance companies for military families in Clearwater are:
- State Farm: $1,218 per year
- GEICO: $1,597 per year
USAA is another good choice, as it offers insurance specifically tailored to the needs of military personnel and their families.
For minimum coverage, the cheapest insurance companies are the same — GEICO and State Farm — but GEICO takes the top spot. Their annual premiums cost $592 and $612, respectively.
How to Compare Cheap Clearwater Car Insurance Quotes Online
Getting a car insurance quote online in Clearwater, Florida, can be an easy process, but it does require some time and effort. Getting a car insurance quote online can take 15 minutes or more.
Policyholders are asked to provide a lot of personal information, including details about their driving history, the vehicles they own and their coverage needs.
MoneyGeek provides a car insurance calculator that can quickly give you a ballpark estimate based only on your age, car model, coverage level and driving record.
Auto Insurance Calculator
See how the Average Annual Auto Insurance Rates vary with the options chosen.
Best Car Insurance in Clearwater: Summary
The best car insurance for you will depend on your preferred cost, coverage and more. Here are the best car insurance companies in Clearwater, Florida:
- Best overall: State Farm (MoneyGeek score of 76 out of 100)
- Best for service: Travelers (MoneyGeek score of 60 out of 100)
- Best cheap: GEICO (MoneyGeek score of 78 out of 100)
Companies' overall MoneyGeek scores can change depending on how individual factors are weighted for each category. The best in Clearwater differs from the best car insurance provider in Florida, which is GEICO. This is a great example of how your exact location can affect your rates, even within the same state.
Best Overall Car Insurance in Clearwater
The best companies for car insurance in Clearwater are:
- State Farm: MoneyGeek score of 76 out of 100 ($1,218 per year)
- Travelers: MoneyGeek score of 68 out of 100 ($1,613 per year)
State Farm scored high in affordability and customer satisfaction. It’s essential to consider the insurer’s overall customer experience when choosing the right policy for your needs.
Ranks #1 for customer satisfaction
Offers roadside assistance and rental car reimbursement
Low claims management rating
Mediocre selection of add-on coverages
State Farm is the best overall car insurance company in Clearwater, Florida. It scored high in affordability and customer satisfaction rating. While State Farm does not offer many optional coverages, it does have a few worth mentioning.
One type of coverage that this insurance provider offers is roadside assistance. If you’re on the road and encounter any mishap, this coverage will pay for mechanical labor for up to one hour at the place of breakdown. It will also cover towing to the nearest repair shop. In addition, State Farm will provide the delivery of gas, oil, a battery or tires, but not the cost of such items. Roadside assistance also includes locksmith labor for up to one hour to unlock a covered car if the key is lost, stolen or locked inside.
State Farm also offers rental car or travel reimbursement coverage, which covers car rentals and travel expenses if your vehicle is unusable for a period of time.
Best Car Insurance in Clearwater for Customer Service
The best companies for customer service in Clearwater are:
- Travelers: MoneyGeek score of 60 out of 100 ($1,613 per year)
- State Farm: MoneyGeek score of 58 out of 100 ($1,218 per year)
Travelers performed well in the areas of claims management and coverage options. Travelers ranked third for affordability in Clearwater, which indicates that you may not need to pay a high price for the best customer service.
Good customer service rating
Ranks number 1 in claims management
Offers gap insurance and new car replacement coverage
No deductible modification coverage
Travelers is the best insurance company for customer service in Clearwater, Florida. It combines outstanding claims management with strong customer service and offers valuable add-on coverages like gap insurance, new car replacement and accident forgiveness.
Gap insurance coverage pays the difference between the actual current value of your car and the unpaid balance of the car loan or lease if your car is a total loss.
New car replacement pays to replace your totaled car with a brand-new car of the same make and model. Accident forgiveness covers one accident within a specific timeframe, which will help you protect your premium from significantly increasing after your first accident.
Travelers also offers some common coverages, like roadside assistance and rental car or travel reimbursement.
Best Cheap Car Insurance Companies in Clearwater
MoneyGeek analyzed affordability and service quality for policies that adhere to Florida’s minimum coverage requirements.
Based on this analysis, the best insurance companies in Clearwater are:
- GEICO: MoneyGeek score of 78 out of 100 ($592 per year)
- State Farm: MoneyGeek score of 77 out of 100 ($612 per year)
The cheapest minimum coverage policies in Clearwater have the most affordable rates but also offer the least amount of protection against liability costs. In addition, they will not protect your own vehicle at all.
An affordable minimum coverage policy costs $592 per year
Ranks number 2 for customer satisfaction
Discounts for bundling, defensive driving and seatbelt use
Low claims experience rating
Limited coverage options
With its competitive rates and numerous discounts, GEICO is the top choice for those looking for cheap car insurance without sacrificing quality coverage.
This insurer offers the most common car insurance discounts, including those for bundling, good students, multiple cars and safe driving. There are also more unique discounts that GEICO offers, like discounts for daytime running lights, emergency deployment, seatbelt use and senior driver.
When you have factory-installed daytime running lights in your vehicle, you qualify for a discount. Furthermore, if you’re a military policyholder, you can get savings if you're deployed in an emergency. GEICO's seatbelt use discount applies when you always use your seatbelt whenever you drive. Senior drivers over 50 can qualify for discounts from GEICO as well.
Average Cost of Car Insurance in Clearwater
The average cost of car insurance in Clearwater for full coverage is $1,848 per year. This rate includes:
- $100,000 in bodily injury liability per person
- $300,000 in bodily injury liability per accident
- $100,000 in property damage liability per accident
The city’s average car insurance cost is $87 cheaper than the average full coverage car insurance cost in Florida. The national average car insurance premium is $1,265 per year, which is $583 less than the typical rate in Clearwater. Your location plays a big role in determining the cost of your car insurance.
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