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Car Insurance Quotes in Clearwater, FL

Full coverage / year
$3,492
State minimum / year
$1,145
Typical quote range
$2,479 – $4,819

Full coverage car insurance in Clearwater, FL runs an estimated $3,492 per year — roughly $291 monthly. That tracks the Florida average closely, reflecting typical suburban driving patterns. Your own number moves a long way from the average once age, driving record and ZIP code are applied — the calculator below applies all three.

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Car insurance calculator — Clearwater, FL

Estimated from state average premiums and your rating factors. Not a quote.

Your estimated premium
$291/ month
$3,492 per year · carriers in Clearwater, FL typically quote $2,479 – $4,819
See real quotes for my ZIP →

We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.

Cheapest car insurance companies in Clearwater, FL

InsurerEst. annualEst. monthlyvs. averageNotes
USAA$2,654$221-24%Military members and families only
Geico$2,863$239-18%Usually cheapest for clean records
State Farm$3,073$256-12%Strong for young and student drivers
Progressive$3,317$276-5%Competitive after a ticket or accident
Travelers$3,387$282-3%Good multi-policy discounts
Nationwide$3,492$2910%Mid-market, wide availability
Allstate$3,981$332+14%Higher base rate, heavy discount stacking
Farmers$4,225$352+21%Agent-led, priced above market

Modelled estimates for a 35-year-old with a clean record and full coverage in Clearwater, FL. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.

Car insurance rates by age in Clearwater

Driver ageFull coverage / yrMinimum / yrFull coverage / mo
16 years old$9,432$3,092$786
18 years old$7,956$2,608$663
20 years old$6,588$2,159$549
22 years old$5,472$1,794$456
25 years old$4,176$1,369$348
30 years old$3,600$1,180$300
40 years old$3,384$1,109$282
50 years old$3,240$1,062$270
60 years old$3,204$1,050$267
65 years old$3,348$1,097$279
70 years old$3,672$1,204$306
75 years old$4,284$1,404$357

Estimated premiums by age in Clearwater, FL, clean record, sedan.

What a ticket, accident or DUI costs in Clearwater

Driving recordEst. annualIncrease
Clean record$3,492—
1 speeding ticket$4,295+23%
1 at-fault accident$5,133+47%
DUI / DWI$6,600+89%

What a violation costs a 35-year-old in Clearwater, FL. Surcharges normally stay on the policy for three to five years.

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Minimum car insurance requirements in Florida

Every driver registering a vehicle in Florida must carry at least the limits below. Driving without them risks fines, licence suspension and an SR-22 filing requirement. Verify current limits with the Florida Department of Insurance.

Required coverage in FloridaMinimum limit
Property damage liability$10,000
Personal Injury Protection $10,000Required
Insurance systemNo-fault

Coverage levels compared in Clearwater

Coverage levelEst. annualEst. monthly
State minimum liability$1,145$95
Full coverage (100/300/100 + comp & collision)$3,492$291
Full coverage, high limits + low deductible$4,155$346

Coverage level comparison for Clearwater, FL.

Minimum liability is the cheapest legal option, but it pays nothing toward your own car. If your vehicle is worth more than roughly $3,000, or you still owe money on it, full coverage is normally the rational choice — the lender will require it either way.

ZIP codes we price in Clearwater

Rates move between ZIP codes inside the same city, sometimes by 15% or more, because claim frequency and theft rates are measured at ZIP level. Clearwater covers 33755, 33756, 33757, 33758, 33759, 33760 among others. Enter yours in the calculator above.

Frequently asked questions

▸How much is car insurance in Clearwater, FL?
Full coverage in Clearwater is estimated at $3,492 a year ($291 a month) for a 35-year-old with a clean record. A state-minimum liability policy is estimated at $1,145 a year. Actual quotes vary with your ZIP, vehicle, credit tier where permitted, and claims history.
▸What is the minimum car insurance required in Florida?
Florida requires at least $10,000 property damage liability, plus personal injury protection $10,000. Florida is a no-fault state, so your own policy pays your initial medical costs regardless of who caused the crash.
▸Who has the cheapest car insurance in Clearwater?
On our modelled comparison, Geico, State Farm and Progressive tend to price lowest in Clearwater for clean records, with USAA lower still for military families. The order changes by ZIP code and driver profile, which is why quoting at least three carriers is worth doing at every renewal.
▸How much does car insurance cost for a teen driver in Clearwater?
An 18-year-old in Clearwater is estimated at $7,956 a year for full coverage — roughly 128% above a 35-year-old on the same policy. Adding the teen to a parent's policy rather than buying a standalone one almost always costs less.
▸How much does a DUI raise insurance in Clearwater?
A DUI takes the estimate from $3,492 to about $6,600 a year in Clearwater, an increase of roughly 89%. Florida drivers with a DUI usually also need an SR-22 certificate filed by the insurer.
▸Can I lower my car insurance bill in Clearwater?
The three changes with the largest effect are raising your deductible from $500 to $1,000 (about 9% off the comprehensive and collision portion), bundling home or renters cover, and re-shopping at renewal — loyalty rarely earns a discount. Low-mileage and telematics programmes are worth checking if you drive under 7,500 miles a year.
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Car insurance in nearby cities

LargoDunedinSafety HarborPalm HarborSeminolePinellas ParkEast LakeWest and East Lealman

Comparing more of Florida? See every Florida city we price or read the cheap car insurance guide for Clearwater.