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Clearwater drivers pay an average of $175 per month for auto coverage. The city’s rates are higher than the national average but slightly lower than the average for the rest of Florida.
Car insurance is generally more expensive for drivers living in densely populated areas, which could account for why Clearwater’s rates may be slightly cheaper than the statewide average.[1]
Fortunately, certain companies offer cheaper rates, including Progressive, Mile Auto, and Clearcover. The cheapest liability rate averages $97 per month, according to Compare.com data.
Find out which are the cheapest insurers in Clearwater for various driver types, how to choose the best company, and how to save on car insurance.
Progressive has the cheapest average auto insurance premiums in Clearwater, with drivers paying $97 per month.
Clearwater drivers pay a monthly average of $136 for liability-only car insurance and $214 for full-coverage insurance.
Florida drivers must meet the state’s minimum personal injury protection and property damage liability coverage requirements to drive legally.
Auto insurance companies base premiums on a variety of factors, so your actual rates could be higher or lower depending on your unique profile. Since there are no standard rates across companies, it’s possible for one company to offer significantly lower premiums than another.
That’s why it’s a good idea to shop around and compare rates from multiple companies. You can start with the cheapest Clearwater insurers in the table below, according to Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| Progressive | $97 |
| Mile Auto | $104 |
| Clearcover | $105 |
| State Farm | $106 |
| GEICO | $120 |
| Dairyland | $122 |
| Embark | $132 |
| Infinity | $136 |
| Direct Auto | $148 |
| Mercury | $148 |
| GAINSCO | $151 |
| The General | $160 |
| Bristol West | $171 |
| Root | $177 |
| National General | $183 |
| Allstate | $184 |
| AssuranceAmerica | $187 |
| Travelers | $219 |
| Mendota | $277 |
| First Acceptance | $289 |
| Liberty Mutual | $291 |
Progressive has the lowest monthly premiums, with Clearwater drivers paying an average of $97 per month.
Below, we’ll discuss how rates vary for different driver types and coverage needs.
Get personalized quotes from top insurers and save money today.
The insurers above offer the cheapest overall rates for Clearwater drivers, but your actual rates depend on things like your driving history, coverage choices, age, and ZIP code.
To give you an idea of what rates could look like in Clearwater based on different driver profiles and coverages, we’ve compiled a list of the cheapest companies and average monthly premiums for each.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | Progressive | $97 |
| Full coverage | State Farm | $148 |
| Teens | Progressive | $168 |
| Seniors | Progressive | $87 |
| Drivers with a speeding ticket | Progressive | $113 |
| Drivers with an at-fault accident | Progressive | $122 |
| Drivers with a DUI | Progressive | $138 |
| Drivers with excellent credit | Progressive | $89 |
| Drivers with poor credit | Progressive | $121 |
We’ve included additional breakdowns for each category below.
Choosing just enough insurance to meet Florida state minimums may mean lower monthly premiums — $136 on average — but it could spell trouble if you get into a serious car accident.
State-minimum coverage won’t pay for your car repairs or expensive medical bills, which is why it often makes sense to opt for more coverage.
But if you need only basic coverage, the chart below shows insurers with the lowest average monthly premiums for Clearwater drivers, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Progressive | $97 |
| Mile Auto | $104 |
| Clearcover | $105 |
| State Farm | $106 |
| GEICO | $120 |
| Dairyland | $122 |
| Embark | $132 |
| Infinity | $136 |
| Direct Auto | $148 |
| Mercury | $148 |
| GAINSCO | $151 |
| The General | $160 |
| Bristol West | $171 |
| Root | $177 |
| National General | $183 |
| Allstate | $184 |
| AssuranceAmerica | $187 |
| Travelers | $219 |
| Mendota | $277 |
| First Acceptance | $289 |
| Liberty Mutual | $291 |
If you need more car insurance coverage to offset potential risks on the road, a full-coverage policy is best. Full coverage typically includes collision and comprehensive coverage on top of liability insurance. Keep in mind that auto lenders and leasing companies generally require full coverage if you’re financing or leasing a car.[2]
Full coverage is more expensive than state-minimum coverage, with Clearwater drivers paying an average of $214 per month. Despite the higher premiums, it’s still possible to find insurers that offer cheaper rates for a full-coverage policy.
The chart below shows the five cheapest full-coverage insurers in Clearwater, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $148 |
| Progressive | $162 |
| Mile Auto | $166 |
| Mercury | $195 |
| GEICO | $209 |
| National General | $210 |
| Direct Auto | $219 |
| Clearcover | $220 |
| Bristol West | $239 |
| Infinity | $251 |
| Allstate | $258 |
| The General | $259 |
| Embark | $282 |
| Root | $284 |
| AssuranceAmerica | $291 |
| Travelers | $307 |
| GAINSCO | $309 |
| Liberty Mutual | $322 |
| Dairyland | $344 |
| First Acceptance | $373 |
| Mendota | $373 |
It’s no secret that teen drivers pay high car insurance rates, not just in Clearwater but also nationwide. Their lack of experience behind the wheel makes them a higher risk to insure. In fact, teens have higher fatal crash rates than other driver demographics, according to the Insurance Institute of Highway Safety (IIHS).[3]
Clearwater teens pay an average of $303 per month for car insurance. Regardless of high average premiums, teen drivers may still be able to get cheaper coverage by comparing rates and looking for discounts.
Check out the companies in the chart below, where Clearwater teens can find the lowest average monthly premiums, according to our data.
Company | Average Monthly Premium |
|---|---|
| Progressive | $168 |
| State Farm | $201 |
| Dairyland | $204 |
| GEICO | $209 |
| Mile Auto | $210 |
| Embark | $228 |
| Infinity | $248 |
| Mercury | $268 |
| GAINSCO | $269 |
| The General | $274 |
| Direct Auto | $278 |
| Root | $298 |
| Bristol West | $298 |
| Allstate | $356 |
| National General | $363 |
| AssuranceAmerica | $380 |
| Travelers | $446 |
| Mendota | $479 |
| First Acceptance | $500 |
| Liberty Mutual | $500 |
If you moved to Clearwater to enjoy your retirement, you could also enjoy lower car insurance rates. Seniors typically pay the lowest insurance rates of any age group. Older drivers tend to drive fewer miles, which could be a primary reason for lower-than-average rates.
In Clearwater, older drivers pay an average of $157 per month for car insurance. And it may be possible to get even cheaper auto coverage.
The five insurance companies below offer the most affordable premiums for seniors, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Mile Auto | $83 |
| State Farm | $85 |
| Progressive | $87 |
| GEICO | $97 |
| Infinity | $102 |
| Dairyland | $105 |
| Embark | $119 |
| Mercury | $121 |
| Direct Auto | $122 |
| GAINSCO | $131 |
| The General | $137 |
| Bristol West | $145 |
| National General | $147 |
| AssuranceAmerica | $149 |
| Root | $151 |
| Allstate | $152 |
| Travelers | $179 |
| Liberty Mutual | $248 |
| Mendota | $249 |
| First Acceptance | $259 |
If you get a speeding ticket, you could be in for an unwelcome surprise: higher car insurance costs. Insurance companies view drivers with past incidents on their record as a higher risk to insure, so companies will charge these drivers higher rates to offset the risk.
In fact, one speeding ticket causes average car insurance rates to go up by 37% nationwide, according to our research. The average monthly rate for Clearwater drivers with a speeding ticket is $203, though several insurers may offer lower rates.
Here are some of the cheapest average rates available in Clearwater if you have a speeding ticket on your record, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Progressive | $113 |
| Mile Auto | $122 |
| State Farm | $130 |
| Dairyland | $147 |
| GEICO | $151 |
| Embark | $153 |
| Infinity | $167 |
| GAINSCO | $173 |
| Direct Auto | $178 |
| Mercury | $200 |
| The General | $206 |
| Bristol West | $207 |
| National General | $219 |
| Root | $228 |
| AssuranceAmerica | $229 |
| Allstate | $231 |
| Travelers | $274 |
| Mendota | $321 |
| First Acceptance | $335 |
| Liberty Mutual | $357 |
Worse than a speeding ticket, an at-fault car accident can cause your car insurance premiums to increase. Our research shows that a single at-fault crash results in an average increase of 41% nationwide.
Clearwater drivers pay an average of $221 per month after an accident, according to Compare.com data. You can find the cheapest rates in Clearwater from the following companies after an accident.
Company | Average Monthly Premium |
|---|---|
| Progressive | $122 |
| State Farm | $137 |
| Mile Auto | $137 |
| GEICO | $152 |
| Dairyland | $158 |
| Embark | $166 |
| Infinity | $171 |
| GAINSCO | $189 |
| Direct Auto | $197 |
| The General | $215 |
| Mercury | $219 |
| Bristol West | $220 |
| Root | $231 |
| National General | $237 |
| Allstate | $241 |
| AssuranceAmerica | $243 |
| Travelers | $288 |
| Mendota | $349 |
| First Acceptance | $364 |
| Liberty Mutual | $378 |
A DUI conviction will result in the highest car insurance rate increase, as insurers are more likely to view you as a high-risk driver. Some companies may even refuse to cover you. Average rates go up by an average of 61% following a DUI, according to our data.
In Clearwater, drivers with a DUI conviction pay an average of $248 per month for car insurance. Surprisingly, it’s still possible to get a better rate despite having a DUI on your record.
The chart below highlights the five cheapest insurers in Clearwater after a DUI, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Progressive | $138 |
| Mile Auto | $151 |
| State Farm | $154 |
| GEICO | $172 |
| Dairyland | $177 |
| Embark | $187 |
| Infinity | $198 |
| Direct Auto | $215 |
| GAINSCO | $219 |
| Mercury | $224 |
| The General | $232 |
| Bristol West | $248 |
| Root | $258 |
| National General | $266 |
| Allstate | $267 |
| AssuranceAmerica | $272 |
| Travelers | $318 |
| Mendota | $393 |
| First Acceptance | $410 |
| Liberty Mutual | $423 |
Certain insurers, though not all, consider your credit history to help determine your premiums. Our research shows that drivers with poor credit pay around 20% more for auto coverage than drivers with excellent credit.
Clearwater drivers with poor credit pay an average of $219 per month for auto insurance. But not all insurers look at your credit, and some may offer affordable rates no matter your credit history.
Don’t let your credit keep you from affordable car insurance. Here are five insurers with the cheapest rates for drivers with poor credit in Clearwater, according to our data.
Company | Average Monthly Premium |
|---|---|
| Progressive | $121 |
| Mile Auto | $128 |
| GEICO | $148 |
| Dairyland | $150 |
| State Farm | $153 |
| Embark | $165 |
| Infinity | $167 |
| Mercury | $181 |
| Direct Auto | $182 |
| GAINSCO | $186 |
| The General | $197 |
| Bristol West | $211 |
| Root | $218 |
| National General | $225 |
| Allstate | $227 |
| AssuranceAmerica | $230 |
| Travelers | $270 |
| Mendota | $346 |
| Liberty Mutual | $349 |
| First Acceptance | $361 |
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Florida requires drivers to buy car insurance, though its minimum coverage is fairly low compared to many other states. Drivers need to have the following coverages in the Sunshine State.
$10,000 of personal injury protection (PIP)
$10,000 of property damage liability (PDL)[4]
Personal injury protection, sometimes called no-fault insurance, pays for your and your passengers’ medical bills, lost wages, and more after a crash, regardless of fault. Property damage liability pays for damage to another driver’s vehicle or someone else’s property if you’re at fault in an accident.
State-minimum coverage can be affordable, but it’s typically not enough protection. And this is especially true if you lease or finance a car since most lenders require comprehensive and collision coverage to protect their collateral.
Consider that it won’t take much to exceed your $10,000 limit after a car crash. If another driver suffers a serious injury, they can sue you.[5] Florida drivers should consider strategies such as increasing their limits, purchasing uninsured motorist coverage, or adding bodily injury liability coverage for more protection.
Find the coverage you need for the best price in Clearwater.
If you still have questions about Clearwater auto insurance coverage, here are answers to some common questions people ask.
Car insurance in Clearwater averages $175 per month, according to Compare.com data. Drivers pay an average of $136 per month for liability coverage and $214 for full-coverage insurance.
Progressive offers the cheapest auto coverage in Clearwater, with monthly rates averaging $97, according to our data.
Yes, Clearwater car insurance rates are higher than average. Clearwater drivers pay an average of $175 per month, according to our data. For context, the national average is $136 per month. Remember, the cost of your car insurance will vary depending on your address, driving history, age, and other factors.
State Farm has the cheapest car insurance in Florida, at an average monthly rate of $108, according to Compare.com data. Remember to always shop around for the best coverage and company because the overall cheapest company in your state may not be your cheapest option.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.