Average car insurance cost in Clearwater

The average car insurance rate in Clearwater for full coverage is $3,007 per year or $251 a month. These rates are for coverage levels of 100/300/100 with $500 deductibles.

Whereas, the average rate for state minimum coverage in Clearwater is $1,144 per year. The state minimum liability limits are 10/20/10'.

Full coverage car insurance may cost more than the state minimum, but it offers valuable protection beyond just covering damage to other drivers' vehicles. Unlike state minimum, full coverage includes damage to your vehicle in addition to liability coverage.

You can potentially lower your full coverage premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. by comparing quotes from different carriers.

Average 6 month premium$1,503
Average annual premium$3,007
State minimum premium$1,144

Cheapest car insurance companies in Clearwater

State Farm offers the cheapest rates on average at $2,283 per year. Nationwide is the second-most affordable auto insurance company on the list, based on our rate comparison for full coverage.

Car insurance prices differ based on where you live, your driving history, coverage limit and your insurance provider. To find the best deal on auto insurance, it's wise to compare quotes from various companies.

Below are the companies that offer cheap car insurance to drivers in Clearwater.

CompanyAverage 6 month rateAverage annual rate
State Farm$1,142$2,283
Nationwide$1,172$2,345
Travelers$1,194$2,388
GEICO$1,431$2,862
UAIC$1,455$2,909
Progressive$1,676$3,351
Mercury Insurance$1,794$3,589
National General$1,894$3,787
Farmers$1,992$3,983

Cheapest car insurance cost in Clearwater by age group

Car insurance rates in Clearwater vary by age group; the risk associated with insuring a driver differs by age, especially when it comes to younger, inexperienced drivers. Take a look at the cheapest companies in Clearwater by age: as insurers consider factors like driving experience and accident risk while calculating the insurance premiums.

  • Cheapest for teens: State Farm
  • Cheapest for young adults: Nationwide
  • Cheapest for adults: State Farm
  • Cheapest for seniors: State Farm

Teen drivers pay the highest insurance rates because they have the least driving experience and a higher likelihood of accidents. State Farm offers the cheapest car insurance for teens at $6,057 per year.

Nationwide offers the most affordable auto insurance for young adults at $3,185 annually. Young adults typically see lower rates than teens but still pay more than older drivers. While they have more experience, statistics show they are more likely to engage in risky driving behaviors.

Adult drivers pay lowest car insurance premiums because they have more driving experience and a lower risk of accidents. State Farm provides the lowest car insurance rates at $2,285 per year for adult drivers in Clearwater.

State Farm offers the least expensive car insurance for senior drivers in Clearwater, at $2,229 per year. Insurance rates for senior drivers increase slightly due to factors like slower reaction times and higher accident risks.

CompanyTeensYoung adultsAdultsSeniors
State Farm$6,057$3,639$2,285$2,229
Nationwide$7,353$3,185$2,298$2,387
Travelers$8,041$3,666$2,409$2,413
GEICO$7,493$4,714$2,909$2,591
UAIC$7,011$4,026$2,922$2,756
Progressive$8,595$4,820$3,263$3,325
Mercury InsuranceNA$5,760$3,762$3,664
National General$7,940$5,311$3,894$3,881
FarmersNA$6,033$4,030$3,642
AllstateNA$6,316$4,584NA

Cheapest car insurance companies in Clearwater by driver profile

Car insurance rates in Clearwater vary by driver profile. Drivers with a history of accidents or tickets on their record will likely pay more for car insurance than those without any driving violations.

Below are some of the cheapest car insurance companies in Clearwater by driver profile.

Cheapest for a driver with poor credit: Nationwide

Nationwide is the most affordable car insurance for drivers with poor credit. On average, drivers in Clearwater pay about $3,625 per year for it.

Here are some car insurance companies that offer cheap car insurance rates for drivers with poor credit in Clearwater.

CompanyAverage 6 month premiumAverage annual premium
Nationwide$1,813$3,625
Travelers$2,363$4,726
GEICO$2,586$5,171
Progressive$2,713$5,426
Mercury Insurance$3,106$6,212
State Farm$5,160$10,319
Farmers$6,669$13,337

Cheapest auto insurance after an at-fault accident: State Farm

In Clearwater, State Farm offers the cheapest car insurance for drivers with at-fault accident at $2,635 annually. An at-fault accident increases car insurance rates because it indicates that you are a higher risk for another accident. But some companies offer lower prices than others.

The table below shows the most affordable car insurance companies for drivers with an at-fault accident in Clearwater.

CompanyAverage 6 month premiumAverage annual premium
State Farm$1,318$2,635
Travelers$1,645$3,289
Nationwide$1,649$3,298
GEICO$1,994$3,987
National General$2,373$4,746
Progressive$2,409$4,817
Mercury Insurance$3,033$6,065
Farmers$3,146$6,292

Cheapest auto insurance after a DUI: State Farm

State Farm offers the cheapest car insurance rates for drivers with a first offense DUI/DWI on their driving record. The average rate is $2,452 per year, making it the cheapest option amongst all the companies analyzed.

A DUI significantly increases your auto insurance premiums. But rates can be reduced over time by maintaining a clean driving record or completing a state-approved defensive driving course.

Here are the cheapest car insurance companies for drivers with a DUI in Clearwater.

CompanyAverage 6 month premiumAverage annual premium
State Farm$1,226$2,452
Travelers$1,821$3,641
Progressive$1,855$3,710
National General$1,980$3,959
GEICO$2,446$4,891
Nationwide$2,487$4,973
Mercury Insurance$2,642$5,283
Farmers$5,247$10,494

Cheapest for drivers with a speeding ticket: State Farm

State Farm offers the cheapest car insurance at $2,452 in Clearwater for drivers with speeding ticket on their driving records. Getting a speeding ticket can raise your car insurance rates, but some companies offer lower premiums than others.

Here are the companies offering cheap auto insurance for drivers with speeding ticket.

CompanyAverage 6 month premiumAverage annual premium
State Farm$1,226$2,452
Travelers$1,729$3,457
Nationwide$1,798$3,595
Progressive$2,129$4,258
National General$2,188$4,376
Mercury Insurance$2,313$4,626
GEICO$2,382$4,763
Farmers$3,402$6,803

Car insurance discounts for Clearwater drivers

The biggest car insurance discount available in Clearwater is for the years insured category at 36.79%, offered by Travelers.

Car insurance is essential for drivers in Clearwater, but you should not pay more than necessary. Insurance companies offer a variety of discounts that can help lower your premium. Whether you're a safe driver, a student or bundle your home and auto insurance, there are savings opportunities available.

Here are some of the car insurance discounts insurers offer to Clearwater drivers and how much you could save on average.

CategoryCompanyPremium before discount% Discount$ Difference
Air BagsAllstate$5,7325.38%$308
Air BagsFarmers$3,6601.52%$56
Air BagsGEICO$3,1434.74%$149
Air BagsNational General Insurance$4,1330.16%$7
Air BagsNationwide$2,5553.25%$83
Air BagsProgressive$3,1820.13%$4
Air BagsTravelers$2,3770.43%$10
Air BagsUnited Automobile Insurance$3,8934.98%$194
Anti-Theft DeviceFarmers$3,6600.05%$2
Anti-Theft DeviceGEICO$3,1431.75%$55
Anti-Theft DeviceNational General Insurance$4,1330.51%$21
Anti-Theft DeviceNationwide$2,5550.29%$7
Anti-Theft DeviceProgressive$3,1820.03%$1
Anti-Theft DeviceTravelers$2,3000.09%$2
Anti-Theft DeviceUnited Automobile Insurance$3,8930.99%$39
Days Advanced PurchaseAllstate$5,73210.37%$594
Days Advanced PurchaseFarmers$3,6600.85%$31
Days Advanced PurchaseNational General Insurance$4,1336.33%$262
Days Advanced PurchaseProgressive$3,1822.57%$82
Days Advanced PurchaseTravelers$2,3776.49%$154
EducationProgressive$3,1824.74%$151
Electronic Funds TransferAllstate$5,7323.99%$229
Electronic Funds TransferNational General Insurance$4,1331.77%$73
Electronic Funds TransferTravelers$2,3771.98%$47
Electronic Funds TransferUnited Automobile Insurance$3,8934.55%$177
Electronic SignatureProgressive$3,1829.91%$315
HomeownerAllstate$5,73210.86%$622
HomeownerFarmers$3,6601.92%$71
HomeownerNational General Insurance$4,1336.08%$251
HomeownerNationwide$2,5553.37%$86
HomeownerProgressive$3,1820.97%$31
HomeownerState Farm$2,2532.26%$51
HomeownerUnited Automobile Insurance$3,8938.84%$344
Lower Annual MileageAllstate$5,7323.90%$224
Lower Annual MileageGEICO$3,1436.28%$197
Lower Annual MileageState Farm$2,25312.23%$275
Loyalty - Years Renewal With CompanyNationwide$2,5552.70%$69
Loyalty - Years Renewal With CompanyState Farm$2,25314.77%$333
Loyalty - Years Renewal With CompanyUnited Automobile Insurance$3,8934.73%$184
Marital StatusFarmers$3,6601.36%$50
Marital StatusNational General Insurance$4,1333.85%$159
Marital StatusNationwide$2,5553.91%$100
Marital StatusProgressive$3,18211.08%$353
Marital StatusUnited Automobile Insurance$3,8936.37%$248
Multi PolicyAllstate$5,73211.96%$686
Multi PolicyFarmers$3,6609.85%$360
Multi PolicyGEICO$3,1435.80%$182
Multi PolicyNational General Insurance$4,1334.85%$200
Multi PolicyNationwide$2,5555.73%$146
Multi PolicyProgressive$3,1828.14%$259
Multi PolicyState Farm$2,2538.31%$187
Multi PolicyTravelers$2,3776.92%$165
Multi PolicyUnited Automobile Insurance$3,8938.84%$344
Paperless/Electornic DocumentsAllstate$5,7323.99%$229
Paperless/Electornic DocumentsFarmers$3,6605.92%$217
Paperless/Electornic DocumentsNational General Insurance$4,1330.89%$37
Paperless/Electornic DocumentsProgressive$3,1820.76%$24
Payment TypeAllstate$5,73212.17%$698
Payment TypeFarmers$3,6605.92%$217
Payment TypeNational General Insurance$4,13318.05%$746
Payment TypeTravelers$2,3776.87%$163
Payment TypeUnited Automobile Insurance$3,8939.04%$352
Primary UseAllstate$5,7325.61%$322
Primary UseNationwide$2,5556.77%$173
Primary UseState Farm$2,25311.54%$260
Primary UseTravelers$2,3776.49%$154
ProfessionProgressive$3,18216.39%$522
Purchase StatusFarmers$3,6605.40%$197
Safety DevicesAllstate$5,7323.66%$210
Safety DevicesFarmers$3,6603.22%$118
Safety DevicesGEICO$3,1432.61%$82
Safety DevicesNational General Insurance$4,1334.25%$176
Safety DevicesNationwide$2,5553.21%$82
Safety DevicesProgressive$3,1822.27%$72
Safety DevicesState Farm$2,2533.37%$76
Safety DevicesTravelers$2,3770.69%$16
Safety DevicesUnited Automobile Insurance$3,8933.96%$154
TelematicsAllstate$5,7327.98%$457
TelematicsProgressive$3,1829.91%$315
TelematicsState Farm$2,25312.02%$271
Years InsuredAllstate$10,68636.13%$3,861
Years InsuredNational General Insurance$4,5598.57%$391
Years InsuredProgressive$4,24223.86%$1,012
Years InsuredTravelers$4,58736.79%$1,688
Years InsuredUnited Automobile Insurance$4,2297.95%$336
Years LicensedGEICO$4,18518.64%$780
Years LicensedNationwide$3,84615.57%$599
Years LicensedProgressive$5,85125.27%$1,479
Years LicensedState Farm$2,4717.74%$191
Years LicensedTravelers$7,68536.18%$2,781
Years LicensedUnited Automobile Insurance$5,47521.77%$1,192

How to get cheap car insurance in Clearwater in 2025

Find affordable car insurance in Clearwater by following these smart strategies:

  • Compare quotes from multiple insurers. Different insurance companies offer different rates, so it's important to shop around. Get quotes from at least three providers and compare coverage rates to find the best deal.
  • Take advantage of discounts offered. Look for discounts for safe drivers, good students, bundling multiple policies (such as auto and home insurance), installing safety or anti-theft devices in your car or paying your premium in full instead of monthly.
  • Choose a higher deductible. A higher deductible means you'll pay more out of pocket in case of a claim, but it also lowers your monthly premium. Make sure you can afford the one you picked.
  • Maintain a good driving record. Safe driving can help you qualify for lower rates. Avoid speeding tickets, accidents and other violations to keep your insurance costs down.
  • Drive a car that's cheaper to insure. Some cars cost more to insure than others. Vehicles with high safety ratings and lower repair costs usually have lower insurance premiums.
  • Consider state minimum coverage (if appropriate). If you have an older car that isn't worth much, you might save money by choosing a basic liability policy instead of full coverage. However, make sure you meet the legal requirements in Clearwater.

Methodology

Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington, D.C. Rates are based on the following profile:

  • 40-year-old male driver
  • Honda Accord LX
  • 12-mile daily commute, 10,000 annual miles
  • Good credit
  • Clean record

While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.

Rates are based on coverage limits of:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident
  • $500 comprehensive and collision deductible

Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.