Clearwater, FL Car Insurance

Residents of Clearwater pay, on average, about $120 per month for car insurance. To find out more check out our guide below.
How much can residents of Clearwater expect to pay for their car insurance? How does Clearwater compare to the surrounding area and the rest of Florida? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Clearwater?

Area Average Monthly Car Insurance Premium
Clearwater$120
FL$123
United States$81

Based on the chart above, you can see that auto insurance rates in Clearwater are in line with rates across the rest of Florida.

Conversely, the expected monthly payments for an auto insurance policy in Clearwater are above the national average. It's about $39 more expensive than the national average to insure your vehicle in Clearwater.

These rates may be the average amount residents of Clearwater pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

Don't worry, we've done the work for you and broken down average rates for Clearwater to help you get a more accurate idea of what you'll be charged for your policy. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$223
25-34$115
35-44$110
45-54$114
55-64$93
65+$91

Generally, the older you are the more experienced you are behind the wheel, right? When it comes to car insurance bills, that experience pays off. As you can see, 18-24-year-olds pay two times as much as drivers of retirement age.

For every ten years older you get, you can expect to see a drop in your monthly premium. Having said that, once you approach retirement your rates may creep back up in Clearwater.

Average Car Insurance Rates by Gender

Gender Average
Male$122
Female$117

In general, female drivers pay less for car insurance than their male counterparts. The difference in average rates in Clearwater totals about $5 a month. Looking at the table above, you can see that female drivers pay around $117 on average, while male drivers typically pay $122 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$168
Multiple Accidents$179
1 Ticket$161
Multiple Tickets$186

Rates can change drastically depending on your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. The rate for drivers in Clearwater with a single accident on their record is about $168 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $161.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$115
2-3 Years$110
4-5 Years$120
6-7 Years$121
8-10 Years$117
11-14 Years$128
15 Years or Older$117

In Clearwater, the cheapest vehicles to insure are typically trucks and vans, with drivers paying around $109 per month for auto insurance coverage.

Car owners will see a monthly premium of about $121, while SUV owners usually pay around $120 per month.

Your vehicle's age can also affect your monthly bill. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to decrease if your car is a few years old. In Clearwater, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$124
Married$117
Divorced$100
Widowed$94

Generally, car insurance is slightly cheaper for married policyholders. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.

At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Clearwater as well, where the difference is around $7 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$104
Rent$121
Live with parents$205

Your housing situation is another component of how insurance companies calculate your monthly rate. Homeowners in Clearwater can expect to pay around $17 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance costs, depending on your insurance company.

Car Insurance Companies in Clearwater, FL

Recent trends in car insurance for Clearwater drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.

Car insurance rates in Clearwater rose from 2017-2018, but decreased until 2020, when they reached a low of $105. Car insurance rates finished down in 2022, at $95 a month.

How does Clearwater compare to neighboring areas?

Why are car insurance rates in Clearwater different from other areas?

Car insurance companies take in several factors when choosing how much individual insurance policies will cost. The price of your insurance policy will depend largely on where you live and will be influenced by things such as:

  • Amount of off-street parking
  • Frequency of car accidents
  • Number of drivers in the community
  • Crime rates
  • Area laws

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.

How can I find the cheapest car insurance in Clearwater?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

Fortunately, Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer policies in Clearwater.

Compare the cheapest quotes from dozens of insurance companies

Clearwater Insurance FAQs

What factors affect car insurance quotes in Clearwater?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your marital status, credit score, address, and driving record.

Why is the cost of car insurance in Clearwater different from other neighboring cities?

Auto insurance companies consider regional factors, such as crime rates, local laws, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

Which car insurance company will offer me the cheapest rate in Clearwater?

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

Do I need to change my insurance if I move to Clearwater?

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Clearwater or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes