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How much is car insurance in Clearwater?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in Clearwater is about $4 cheaper than it is in the rest of Florida.
That being said Clearwater residents will likely pay higher rates to insure their vehicle than in the rest of the country. It's about $39 more expensive for coverage in Clearwater than the average rates for the U.S. as a whole.
Keep in mind that these are the average auto insurance rates for Clearwater, and that the rate you get could end up being something different. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
Don't sweat it however, we've broken down average rates for Clearwater residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!
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Clearwater Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that the older you are, the more experience you have driving, right? When it comes to car insurance rates, that experience can really pay off. As you can see, 18-24-year-olds pay twice as much as drivers of retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. Having said that, once you approach retirement your rates may climb back up a bit in Clearwater.
Clearwater Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. The difference in Clearwater is around $5 a month. As you can see in the chart above, car insurance for women in the area typically costs around $117 each month, while men pay $122 on average.
Clearwater Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. Drivers in Clearwater with a single accident on their record will usually see rates around $168 a month. In addition, drivers with a single ticket on their record can expect to pay around $157 a month on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Clearwater Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$115|
|15 Years or Older||$116|
If you look at the first table above, the cheapest vehicles to insure in Clearwater are usually trucks and vans, at $108 per month.
Car owners will see a monthly bill of about $121, while SUV owners by and large pay around $120 per month.
Your rates can also vary depending on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to decrease if your car is about 5 years old. In Clearwater, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Clearwater Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$124|
More often than not, married policyholders will pay slightly less for car insurance. This can usually be attributed to their policies having multiple vehicles, a factor many companies offer special discounts for.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Clearwater is no exception, with the difference totaling to around $7 a month.
Clearwater Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$205|
Another factor taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $15 a month more than if you own your own home in Clearwater. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Clearwater, FL
Recent trends in car insurance for Clearwater drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
The rates for car insurance in Clearwater went up from 2017-2018, when they reached a high of $159, but began to decrease from 2019-2020. They finished down in 2022, at $103 a month.
How does Clearwater compare to neighboring areas?
Why are car insurance rates in Clearwater different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider several factors. While we've discussed the ones that affect your personal policy, others are based around your home address. These include things like:
- Number of drivers
- Road safety
- Prevalence of crime
- Community regulations
- Availability of off-street parking
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Clearwater?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
But hold on! Compare.com has you covered. Put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies providing coverage in Clearwater in no time.
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Clearwater Auto Insurance FAQs
What factors affect car insurance quotes in Clearwater?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Clearwater different from other neighboring cities?
Local laws, crime rates, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Clearwater or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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