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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.

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2023

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.

Company
Annual Premium
Monthly Premium

GEICO

$545

$45

State Farm

$571

$48

GEICO

$592

$49

State Farm

$612

$51

State Farm

$707

$59

Mercury

$741

$62

Travelers

$745

$62

Nationwide

$749

$62

Mercury

$776

$65

Travelers

$776

$65

GEICO

$788

$66

Nationwide

$791

$66

Travelers

$842

$70

Nationwide

$918

$77

Farmers

$988

$82

Mercury

$1,008

$84

Allstate

$1,017

$85

Allstate

$1,034

$86

Farmers

$1,041

$87

Allstate

$1,041

$87

State Farm

$1,121

$93

Farmers

$1,170

$97

Direct General Insurance

$1,217

$101

State Farm

$1,218

$102

Progressive

$1,236

$103

Progressive

$1,253

$104

Direct General Insurance

$1,256

$105

Progressive

$1,409

$117

State Farm

$1,454

$121

GEICO

$1,484

$124

Nationwide

$1,523

$127

Direct General Insurance

$1,529

$127

Travelers

$1,546

$129

GEICO

$1,597

$133

Travelers

$1,613

$134

Nationwide

$1,630

$136

Mercury

$1,640

$137

Mercury

$1,736

$145

Travelers

$1,829

$152

Nationwide

$1,939

$162

Farmers

$1,968

$164

Progressive

$2,099

$175

Progressive

$2,125

$177

Farmers

$2,152

$179

GEICO

$2,257

$188

Allstate

$2,290

$191

Allstate

$2,302

$192

Mercury

$2,378

$198

Allstate

$2,386

$199

Direct General Insurance

$2,422

$202

Direct General Insurance

$2,447

$204

Farmers

$2,470

$206

Progressive

$2,505

$209

Direct General Insurance

$3,176

$265

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.

Company
Annual Premium
Monthly Premium

GEICO

$545

$45

State Farm

$571

$48

GEICO

$592

$49

State Farm

$612

$51

State Farm

$707

$59

Mercury

$741

$62

Travelers

$745

$62

Nationwide

$749

$62

Mercury

$776

$65

Travelers

$776

$65

GEICO

$788

$66

Nationwide

$791

$66

Travelers

$842

$70

Nationwide

$918

$77

Farmers

$988

$82

Mercury

$1,008

$84

Allstate

$1,017

$85

Allstate

$1,034

$86

Farmers

$1,041

$87

Allstate

$1,041

$87

State Farm

$1,121

$93

Farmers

$1,170

$97

Direct General Insurance

$1,217

$101

State Farm

$1,218

$102

Progressive

$1,236

$103

Progressive

$1,253

$104

Direct General Insurance

$1,256

$105

Progressive

$1,409

$117

State Farm

$1,454

$121

GEICO

$1,484

$124

Nationwide

$1,523

$127

Direct General Insurance

$1,529

$127

Travelers

$1,546

$129

GEICO

$1,597

$133

Travelers

$1,613

$134

Nationwide

$1,630

$136

Mercury

$1,640

$137

Mercury

$1,736

$145

Travelers

$1,829

$152

Nationwide

$1,939

$162

Farmers

$1,968

$164

Progressive

$2,099

$175

Progressive

$2,125

$177

Farmers

$2,152

$179

GEICO

$2,257

$188

Allstate

$2,290

$191

Allstate

$2,302

$192

Mercury

$2,378

$198

Allstate

$2,386

$199

Direct General Insurance

$2,422

$202

Direct General Insurance

$2,447

$204

Farmers

$2,470

$206

Progressive

$2,505

$209

Direct General Insurance

$3,176

$265

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.

Company
Annual Premium
Monthly Premium

State Farm

$650

$54

State Farm

$650

$54

State Farm

$697

$58

State Farm

$697

$58

State Farm

$709

$59

State Farm

$761

$63

State Farm

$806

$67

State Farm

$806

$67

GEICO

$844

$70

State Farm

$880

$73

Nationwide

$899

$75

GEICO

$904

$75

Nationwide

$942

$79

GEICO

$984

$82

Allstate

$1,017

$85

Allstate

$1,034

$86

GEICO

$1,041

$87

Allstate

$1,041

$87

Farmers

$1,060

$88

Travelers

$1,065

$89

Mercury

$1,068

$89

Nationwide

$1,069

$89

Travelers

$1,073

$89

GEICO

$1,075

$90

Travelers

$1,095

$91

Nationwide

$1,114

$93

GEICO

$1,118

$93

Travelers

$1,128

$94

Farmers

$1,128

$94

Travelers

$1,138

$95

GEICO

$1,157

$96

Nationwide

$1,161

$97

Travelers

$1,164

$97

GEICO

$1,182

$98

Direct General Insurance

$1,217

$101

Farmers

$1,221

$102

Mercury

$1,228

$102

Farmers

$1,244

$104

Direct General Insurance

$1,256

$105

Direct General Insurance

$1,267

$106

State Farm

$1,269

$106

State Farm

$1,269

$106

Mercury

$1,295

$108

Allstate

$1,299

$108

Direct General Insurance

$1,301

$108

Nationwide

$1,302

$109

Allstate

$1,304

$109

Farmers

$1,308

$109

Mercury

$1,311

$109

Travelers

$1,311

$109

Allstate

$1,318

$110

Travelers

$1,322

$110

Travelers

$1,345

$112

State Farm

$1,377

$115

State Farm

$1,377

$115

State Farm

$1,380

$115

Farmers

$1,406

$117

Progressive

$1,414

$118

Progressive

$1,414

$118

Farmers

$1,440

$120

GEICO

$1,478

$123

State Farm

$1,498

$125

Mercury

$1,518

$127

Direct General Insurance

$1,529

$127

Mercury

$1,543

$129

Direct General Insurance

$1,544

$129

Mercury

$1,574

$131

Progressive

$1,588

$132

Farmers

$1,609

$134

Progressive

$1,612

$134

Farmers

$1,624

$135

Progressive

$1,640

$137

State Farm

$1,647

$137

State Farm

$1,647

$137

Direct General Insurance

$1,725

$144

Allstate

$1,734

$144

Allstate

$1,739

$145

Direct General Insurance

$1,749

$146

Nationwide

$1,754

$146

Allstate

$1,756

$146

Progressive

$1,785

$149

State Farm

$1,793

$149

Nationwide

$1,809

$151

Mercury

$1,826

$152

Nationwide

$1,838

$153

Mercury

$1,853

$154

Progressive

$1,859

$155

Progressive

$1,892

$158

Nationwide

$1,944

$162

Nationwide

$1,976

$165

Progressive

$2,051

$171

Direct General Insurance

$2,128

$177

Farmers

$2,158

$180

Nationwide

$2,253

$188

Travelers

$2,261

$188

Nationwide

$2,288

$191

Allstate

$2,290

$191

Allstate

$2,302

$192

Travelers

$2,323

$194

Travelers

$2,367

$197

Travelers

$2,369

$197

GEICO

$2,371

$198

Farmers

$2,385

$199

Allstate

$2,386

$199

Nationwide

$2,405

$200

Direct General Insurance

$2,422

$202

Travelers

$2,438

$203

Direct General Insurance

$2,447

$204

Mercury

$2,448

$204

Progressive

$2,455

$205

Progressive

$2,463

$205

Farmers

$2,474

$206

Travelers

$2,479

$207

GEICO

$2,507

$209

Direct General Insurance

$2,520

$210

Direct General Insurance

$2,566

$214

Farmers

$2,665

$222

Nationwide

$2,748

$229

Farmers

$2,750

$229

Travelers

$2,777

$231

Mercury

$2,792

$233

GEICO

$2,839

$237

Travelers

$2,860

$238

Progressive

$2,877

$240

Travelers

$2,902

$242

Mercury

$2,948

$246

GEICO

$2,965

$247

Farmers

$2,981

$248

Progressive

$2,995

$250

GEICO

$3,029

$252

Progressive

$3,037

$253

Farmers

$3,058

$255

Mercury

$3,105

$259

Allstate

$3,119

$260

Allstate

$3,134

$261

GEICO

$3,137

$261

Direct General Insurance

$3,176

$265

GEICO

$3,210

$268

Allstate

$3,237

$270

Direct General Insurance

$3,278

$273

Direct General Insurance

$3,333

$278

Progressive

$3,420

$285

Direct General Insurance

$3,453

$288

Progressive

$3,500

$292

Farmers

$3,528

$294

Mercury

$3,546

$296

GEICO

$3,560

$297

Farmers

$3,565

$297

Mercury

$3,567

$297

Progressive

$3,602

$300

Mercury

$3,622

$302

Nationwide

$3,632

$303

Nationwide

$3,767

$314

Progressive

$3,967

$331

Allstate

$4,141

$345

Nationwide

$4,168

$347

Allstate

$4,174

$348

Allstate

$4,274

$356

Mercury

$4,306

$359

GEICO

$4,349

$362

Direct General Insurance

$4,384

$365

Mercury

$4,408

$367

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.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

Travelers

$2,272

$3,879

GEICO

$2,377

$5,715

Travelers

$2,393

$3,933

GEICO

$2,554

$6,140

Travelers

$2,574

$4,782

Travelers

$2,579

$4,403

State Farm

$2,601

$3,139

Travelers

$2,645

$4,516

GEICO

$2,653

$7,048

State Farm

$2,693

$3,250

State Farm

$2,746

$3,223

GEICO

$2,750

$6,613

Travelers

$2,757

$4,531

State Farm

$2,805

$3,725

State Farm

$2,842

$3,430

Travelers

$2,843

$5,374

Nationwide

$2,869

$4,726

Travelers

$2,875

$5,194

Travelers

$2,954

$4,855

State Farm

$2,975

$4,045

Nationwide

$3,001

$3,956

Nationwide

$3,015

$3,975

Nationwide

$3,021

$4,143

State Farm

$3,023

$3,547

Nationwide

$3,058

$5,525

Nationwide

$3,128

$4,397

State Farm

$3,143

$4,192

Nationwide

$3,162

$4,169

Nationwide

$3,167

$4,342

State Farm

$3,231

$3,791

State Farm

$3,279

$4,457

Nationwide

$3,308

$5,023

State Farm

$3,312

$5,005

Travelers

$3,313

$5,992

GEICO

$3,359

$5,580

Nationwide

$3,379

$4,633

Travelers

$3,422

$6,182

Travelers

$3,433

$7,228

Nationwide

$3,452

$6,574

Nationwide

$3,495

$5,758

State Farm

$3,535

$4,674

Allstate

$3,613

$5,466

Allstate

$3,631

$7,902

Allstate

$3,677

$8,257

GEICO

$3,685

$6,122

Allstate

$3,735

$5,527

Nationwide

$3,825

$8,208

GEICO

$3,853

$7,222

Allstate

$3,867

$19,556

Nationwide

$3,875

$7,000

State Farm

$3,918

$5,643

GEICO

$3,964

$7,669

Nationwide

$3,966

$11,268

Nationwide

$3,966

$11,268

Nationwide

$3,966

$11,268

GEICO

$3,977

$7,960

Travelers

$3,977

$9,134

GEICO

$4,019

$6,675

State Farm

$4,027

$5,324

State Farm

$4,047

$6,055

Travelers

$4,051

$7,326

Travelers

$4,075

$8,789

Allstate

$4,207

$6,365

Allstate

$4,334

$23,329

Allstate

$4,338

$7,652

Allstate

$4,380

$6,481

State Farm

$4,388

$6,321

Allstate

$4,394

$7,077

State Farm

$4,424

$7,153

Nationwide

$4,467

$14,109

Nationwide

$4,467

$14,109

Nationwide

$4,467

$14,109

Allstate

$4,477

$6,773

Farmers

$4,597

$4,366

Allstate

$4,676

$6,920

Farmers

$4,682

$4,545

State Farm

$4,726

$6,946

Allstate

$4,751

$12,745

Allstate

$4,766

$10,371

Progressive

$4,804

$4,641

Farmers

$4,819

$3,833

Travelers

$4,887

$11,324

GEICO

$4,904

$10,892

Allstate

$4,909

$12,749

Farmers

$4,914

$4,049

Farmers

$4,953

$4,081

GEICO

$4,953

$11,301

Farmers

$4,989

$4,200

Farmers

$4,993

$4,114

Farmers

$5,023

$3,996

Travelers

$5,029

$11,548

GEICO

$5,117

$9,898

Farmers

$5,122

$4,325

Farmers

$5,209

$4,144

GEICO

$5,237

$10,482

Travelers

$5,272

$15,638

State Farm

$5,315

$7,813

State Farm

$5,364

$8,897

Allstate

$5,371

$12,061

GEICO

$5,517

$12,029

Progressive

$5,547

$5,359

GEICO

$5,563

$11,541

Farmers

$5,613

$12,569

Allstate

$5,664

$35,862

Farmers

$5,712

$13,372

GEICO

$5,768

$11,964

GEICO

$5,769

$12,399

GEICO

$5,840

$13,400

Progressive

$5,846

$6,759

GEICO

$5,857

$12,772

Progressive

$5,870

$7,546

Progressive

$5,894

$4,946

Allstate

$5,898

$37,445

Progressive

$5,931

$7,273

Farmers

$6,008

$6,633

Allstate

$6,032

$30,500

Progressive

$6,037

$5,833

Farmers

$6,045

$14,153

Farmers

$6,085

$13,625

Travelers

$6,287

$14,568

Progressive

$6,339

$12,553

Progressive

$6,345

$13,309

Allstate

$6,404

$34,471

Farmers

$6,408

$7,059

Progressive

$6,431

$8,266

Farmers

$6,508

$6,317

Progressive

$6,539

$5,487

Progressive

$6,553

$8,036

Progressive

$6,578

$9,553

Farmers

$6,579

$18,680

Progressive

$6,603

$8,982

Travelers

$6,622

$20,146

Farmers

$6,670

$18,611

Progressive

$6,911

$6,925

Progressive

$6,959

$5,839

Progressive

$7,092

$15,981

Farmers

$7,194

$6,833

Progressive

$7,203

$15,455

Progressive

$7,313

$15,340

Progressive

$7,467

$14,788

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.

Company
Annual Premium
Monthly Premium

GEICO

$545

$45

State Farm

$571

$48

GEICO

$592

$49

State Farm

$612

$51

State Farm

$707

$59

Mercury

$741

$62

Travelers

$745

$62

Nationwide

$749

$62

Mercury

$776

$65

Travelers

$776

$65

GEICO

$788

$66

Nationwide

$791

$66

Travelers

$842

$70

Nationwide

$918

$77

Farmers

$988

$82

Mercury

$1,008

$84

Allstate

$1,017

$85

Allstate

$1,034

$86

Farmers

$1,041

$87

Allstate

$1,041

$87

State Farm

$1,121

$93

Farmers

$1,170

$97

Direct General Insurance

$1,217

$101

State Farm

$1,218

$102

Progressive

$1,236

$103

Progressive

$1,253

$104

Direct General Insurance

$1,256

$105

Progressive

$1,409

$117

State Farm

$1,454

$121

GEICO

$1,484

$124

Nationwide

$1,523

$127

Direct General Insurance

$1,529

$127

Travelers

$1,546

$129

GEICO

$1,597

$133

Travelers

$1,613

$134

Nationwide

$1,630

$136

Mercury

$1,640

$137

Mercury

$1,736

$145

Travelers

$1,829

$152

Nationwide

$1,939

$162

Farmers

$1,968

$164

Progressive

$2,099

$175

Progressive

$2,125

$177

Farmers

$2,152

$179

GEICO

$2,257

$188

Allstate

$2,290

$191

Allstate

$2,302

$192

Mercury

$2,378

$198

Allstate

$2,386

$199

Direct General Insurance

$2,422

$202

Direct General Insurance

$2,447

$204

Farmers

$2,470

$206

Progressive

$2,505

$209

Direct General Insurance

$3,176

$265

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.

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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.

State Farm

pros

Most affordable

Ranks #1 for customer satisfaction

Offers roadside assistance and rental car reimbursement

cons

Low claims management rating

Mediocre selection of add-on coverages

COMPANY HIGHLIGHTS

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.

Read MoneyGeek's State Farm Auto Insurance Review

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.

Travelers

pros

Good customer service rating

Ranks number 1 in claims management

Offers gap insurance and new car replacement coverage

cons

No deductible modification coverage

COMPANY HIGHLIGHTS

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.

Read MoneyGeek's Travelers Auto Insurance Review

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.

GEICO

pros

An affordable minimum coverage policy costs $592 per year

Ranks number 2 for customer satisfaction

Discounts for bundling, defensive driving and seatbelt use

cons

Low claims experience rating

Limited coverage options

COMPANY HIGHLIGHTS

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.

Read MoneyGeek's GEICO Auto Insurance Review

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.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.