Cheapest Car Insurance In Clearwater, FL 2025
At $70 per month on average, State Farm has the most affordable minimum coverage car insurance in Clearwater.
We’ve saved shoppers an average of $600 per year on their car insurance.
Searching for the most affordable car insurance in Clearwater, FL, reveals a wide range of price differences.
When it comes to liability-only coverage, State Farm is the cheapest choice. GEICO takes the lead in full coverage affordability, while Safeco provides the best rates for younger drivers.
Cheapest Car Insurance Companies In Clearwater, FL 2025
Cheapest Liability-only Car Insurance In Clearwater: State Farm
If you’re looking for the most affordable minimum coverage in Clearwater, State Farm stands out at just $70 per month.
Look at the table below to evaluate insurance rates from multiple providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $70 | $840 |
| Mile Auto | $113 | $1,356 |
| GEICO | $73 | $876 |
| Travelers | $144 | $1,728 |
| Progressive | $181 | $2,172 |
Cheapest Full Coverage Insurance Rates In Clearwater: GEICO
If you’re looking for low-cost full coverage in Clearwater, GEICO has the best rates, averaging $94 per month.
The following table highlights average auto insurance quotes from Clearwater’s most affordable providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $94 | $1,128 |
| Allstate | $155 | $1,860 |
| Progressive | $273 | $3,276 |
| Mercury | $207 | $2,484 |
| Travelers | $183 | $2,196 |
Cheapest Car Insurance Rates For Seniors: State Farm
Seniors in Clearwater can find the lowest car insurance rates with State Farm, costing around $116 per month.
The following table highlights the most affordable car insurance options for seniors, based on average quotes.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $116 | $1,392 |
| 21st Century | $136 | $1,632 |
| Direct Auto | $134 | $1,608 |
| Mercury | $172 | $2,064 |
| Safeco | $151 | $1,812 |
Cheapest Rates In Clearwater For Teenagers: 21st Century
Clearwater’s teen drivers can find the best insurance deals with 21st Century, which charges an average of $176 per month.
The following table outlines the lowest-cost insurance options available for teen drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| 21st Century | $176 | $2,112 |
| State Farm | $271 | $3,252 |
| Direct Auto | $209 | $2,508 |
| AIG | $350 | $4,200 |
| Unitrin | $345 | $4,140 |
Cheapest Auto Insurance For Young Adults in Clearwater: Safeco
Clearwater’s young adult drivers can secure the most budget-friendly insurance from Safeco, at $78 per month on average.
Check the table below to find the lowest auto insurance rates available for young adult drivers in Clearwater.
| Provider | Average Monthly Cost | Average Annual Cost |
| Safeco | $78 | $936 |
| State Farm | $184 | $2,208 |
| Liberty Mutual | $158 | $1,896 |
| Mercury | $209 | $2,508 |
| 21st Century | $199 | $2,388 |
Cheapest Car Insurance In Clearwater For Good Drivers: State Farm
Good drivers in Clearwater can secure the lowest car insurance rates with State Farm, paying around $70 month.
The following table lists average insurance rates from the most cost-effective companies for good drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $70 | $840 |
| Mile Auto | $113 | $1,356 |
| GEICO | $73 | $876 |
| Travelers | $144 | $1,728 |
| Progressive | $181 | $2,172 |
Find affordable Clearwater rates
Cheapest Car Insurance In Clearwater After A Speeding Ticket: State Farm
Drivers with a speeding violation in Clearwater can find competitive rates with State Farm, which charges an average of $86 per month.
You can refer to the table below to find the typical insurance rates for drivers with a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $86 | $1,032 |
| Allstate | $147 | $1,764 |
| GEICO | $89 | $1,068 |
| Direct Auto | $192 | $2,304 |
| Progressive | $220 | $2,640 |
Cheapest For Drivers With After At-Fault Accident: State Farm
State Farm delivers the lowest car insurance quotes for drivers with an at-fault incident, averaging $90 per month.
Below are the top insurers with the lowest premiums for drivers who have been at fault in an accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $90 | $1,080 |
| Mile Auto | $147 | $1,764 |
| Travelers | $185 | $2,220 |
| Mercury | $225 | $2,700 |
| Progressive | $238 | $2,856 |
Cheapest Rates In Clearwater For Drivers After A DUI: State Farm
Clearwater motorists with a DUI can secure the lowest insurance rates through State Farm, with premiums averaging $109 per month.
For drivers in Clearwater with a DUI, the table below lists the most affordable car insurance rates.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $109 | $1,308 |
| Allstate | $190 | $2,280 |
| Direct Auto | $246 | $2,952 |
| Progressive | $283 | $3,396 |
| Mercury | $238 | $2,856 |
Best Car Insurance Companies In Clearwater
Clearwater residents can get the cheapest insurance through State Farm at $70 a month, though GEICO ($73) and Mile Auto ($113) are also worth considering.
The chart below displays Clearwater, FL 10 leading car insurance companies, ranked by their typical monthly rates.
| Company | Monthly Premium |
| State Farm | $70 |
| Mile Auto | $113 |
| GEICO | $73 |
| Travelers | $144 |
| Progressive | $181 |
| Allstate | $121 |
| Direct Auto | $156 |
| Mercury | $160 |
| Root | $170 |
| Infinity | $194 |
Average Auto Insurance Rates In Clearwater – By Age
Age significantly impacts car insurance costs, with younger drivers facing higher premiums due to accident risks. Teenagers, for example, typically pay around $8,006 annually for coverage.
By the time drivers turn 25, their premiums usually go down, provided they have a history of safe driving.
Since insurers rely on age to assess a driver’s experience and potential risk, those in their 50s and early 60s often secure the lowest premiums.
| Age | Average Yearly Rate |
| Teenagers | $8,006 |
| 20s | $5,168 |
| 30s | $3,202 |
| 40s | $2,945 |
| 50s | $2,651 |
| 60s | $2,448 |
| 70s | $2,933 |
Average Rates In Clearwater – By Vehicle
Your car’s specifications—such as its make, model, and age—play a key role in insurance pricing. Expensive luxury cars and newer models with advanced features tend to have higher insurance costs.
Find Clearwater’s average car insurance rates for different vehicles in the table below.
| Vehicle | Average Monthly Rate |
| Ford Taurus | $164 |
| Ford Escape | $287 |
| Chevrolet Cruze | $230 |
| Toyota Scion | $168 |
| Volkswagen Taos | $486 |
How Much Is Car Insurance In Other Cities in Florida?
Where you reside affects how much you pay for car insurance. Insurers look at accident data, theft rates, and vandalism statistics, with urban locations often resulting in steeper premiums.
Drivers in Miamis typically face car insurance costs of about $402 per month, whereas those in Naples pay closer to $241 per month.
| City | Average Monthly Rate |
| Pensacola | $263 |
| Boca Raton | $345 |
| Orlando | $322 |
| St. Petersburg | $256 |
| Naples | $248 |
| Fort Lauderdale | $380 |
| Miami | $402 |
| Fort Myers | $269 |
| Jacksonville | $290 |
| Gainesville | $251 |
Average Cost Of Auto Insurance In Clearwater – By Zip Code
Car insurance premiums are influenced by your zip code, as it helps insurers gauge crime risks in your neighborhood.
Find average car insurance rates for different Clearwater zip codes in the table below.
| City | Average Monthly Rate |
| 33756 | $270 |
| 33764 | $264 |
| 33762 | $242 |
| 33767 | $320 |
| 33771 | $140 |
Find affordable Clearwater rates
Our Methodology
I’ve conducted an extensive analysis of Clearwater, FL car insurance providers, considering customer satisfaction, policy options, pricing, and feedback from online review platforms.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Clearwater?
State Farm provides the most affordable minimum coverage in Clearwater, while GEICO offers the lowest full coverage rates, including comprehensive and collision insurance.
What is the average cost of car insurance in Clearwater?
The standard cost for car insurance in Clearwater is about $280 monthly, though your rate will be influenced by your zip code, vehicle type, and driving habits.
