Clearwater, FL Auto Insurance Rates

Clearwater, FL residents can save $640 by comparing multiple quotes & reading reviews & research on Clearwater car insurance rates, quotes, agents & coverage.

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$1,290 $1,612 $2,260

Latest Auto Insurance Reviews in Clearwater, Florida

It's the least expensive I've found for the same, or better, liability coverage. I'm happy with it because I get a discount for paying six months at a time online.
Citizens Property Insurance
My premium is average as far as costs go. It's a necessity so no use complaining about it. My only complaint would be when to pay the premium.
It seems as though my premium is affordable, given the coverage that I have. I think the offerings are appropriate and suitable for my needs.
The premium with essurance is slightly lower than the premiums with other insurance companies for the same coverage. It is reasonable and there is not a large charge to break the payments up versus paying it for a year at a time.
I wish I could have a lower premium. Insurance costs are so high and I feel like I am not getting as much as I should for the money I pay. I think you pay a company enough every year that they should give you the best coverage. Especially when you have no claims to increase costs.
The premium is of really good value compared to other insurance agencies that I have looked into. On the flip side, there are some extras that are not included in that price.
Unfortunately one of the main drivers in my policy got in an accident causing the rate to go up, but it is still competitive with others based on driving history.
This is the only company I could find that offered coverage in the US and in the Virgin Islands
less expensive for the same coverage
Honestly I have not look at any competing companies, I have been very satisfied with the rates I have been offered and have not felt the need to look at other providers.
Compared to other insurance providers, I am able to have a lower deductible and higher coverage for a lower price.
I get full coverage for a very good price compared to my old insurance agency.
State Farm
Dependable service without penalty for using
available customer service reps used to be affordable
State Farm
My insurance is comparable to other insurance companies.
They have an app as well as a very friendly and efficient call center staff. The last time I used a claim I had a tow truck in 10 minutes and I wasn't in an especially well-populated area.
I honestly can say that there is not much I would change. I have never had an issue with their customer service and have always been great.
There may not be any physical locations for my company, but when you call them, they do everything they possibly can to fix whatever problem you are calling with.
Citizens Property Insurance
Being able to communicate through email is great. Having the ability to text chat and face time is paramount. Being we live in the country, it takes a while to get anywhere.
I like that it is all auto-pay so I don't have to really think about it. If I need any information, I will just go to the Geico website and see all the information there.
I"m apprehensive about calling in to speak with an agent because I feel like I may admonish for my history versus advised for ways to improve my experience.
They offered coverage worldwide with affordable premiums and excellent coverage options that I was able to custom fit to my needs. I would recommend them to anyone.
Prices, coverage, accessibility.
Well, I don't need comp in order to get roadside assistance. I an PARANOID car no go in the middle of nowhere. My only problem is the deadline.One time left stupid lights on the car and it was in a parking lot so no problem there. 1-hour service.
I mostly like the customer service, when we have called in the past they have bent over backward to help us or save us money.
I love that USAA takes care of my banking and my insurance at the same time. It is very convenient for me to only have one website/company to deal with so many things at one time.
I have all the access I can with Geico 24/7. It is great to be able to get in touch with Geico whenever I need to. The policy has been great and the price I pay is definitely worth it.
Citizens Property Insurance
Always willing to help. Never catch any flack from them about why I'm filing a claim. Agents are helpful and courteous and go above and beyond their duty every time I deal with them.
Motorist Insurance
The only thing I like about the company is that it's the cheapest insurance available to me. I plan on looking elsewhere soon though.
Liberty Mutual
I like them because they are not intrusive, I make my payments and they leave me alone. I think their cost is reasonable. I don't have any problems with them.
I like the prices for my coverage--Geico is very competitive and I feel like they work to get you the best possible rate. They make the claims process quick and easy.
the best thing for me about it is that the premium is the lowest I could find and I can combine it with my rental insurance to make it even cheaper
It is easy to get in contact with the company, people are friendly and helpful. Everything has gone smoothly and I am saving money. No complaints thus far.
I personally have no dislikes. I believe you have to be affiliated with the military to use them by blood or marriage so they are not available to everyone. But I would recommend them to anyone who qualifies.
I don't dislike anything about the company. I will never go through another company
I wish the premium were lower. Other than that, I like everything about them.
I wish I had a lower price on insurance since I barely drive around at all and there is no freaking traffic out here except deer and cattle.
Once again, I don't have anything bad to say, I guess I would always like cheaper rates in general.
What most people don't like about USAA is that there aren't any physical locations that we could walk into and deal with stuff.
Citizens Property Insurance
Costs are always going up. At least once a year I have an added cost added to my bill and have to call and have them correct it. It gets frustrating at times.
I would like it if there was a way to have the best coverage with a more affordable option. I would also like to feel like I can call in to express my concerns openly.
Write Your Review | Clearwater, Florida Auto Insurance Analysis
Progressive Insurance, Clearwater, FL
$144/1 month
Car Insurance Policy Holder
  • Single 24 Years old Male licensed 2 years ago with Financed Hyundai Tucson GL used for Commute to Work or School with estimated annual mileage of 15,001 - 20,000.
  • High School, pursuing Bachelors Degree & Freelancer.
  • No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
  • 1 car insured & 1 person is part of this policy
  • Home and Auto insurance are from difference companies
  • $300K (Per Person Bodily Injury) / $300K (Per Accident Bodily Injury)
  • 10 K Property Damage
  • 250 K Personal Injury Protection
  • 10 K Uninsured Motorists Bodily Injury
  • 20 K Uninsured Motorists Property Damage

Clearwater Car Insurance Rate Comparisons

Clearwater, FL's average car insurance of $1612 differs from Pinellas Park, FL (+$10), Indian Shores, FL (+$258), Bardmoor, FL (-$132) and Florida (-$248)

Clearwater Pinellas Park, FL Indian Shores, FL Bardmoor, FL Florida
Median Insurance Rates $1612 +$10 +$258 -$132 -$248

Clearwater Car Insurance Savings By Neighborhood & Street Area

Clearwater Driver Street Residence & Car Locations Car Details in Clearwater Clearwater Driver Demographics Clearwater Auto Insurance Estimates Recent Clearwater Insurance Savings
Somerset Cir N2003 Cadillac Seville STS16 year male teenager$4,774$613
Oak Hill Dr2006 Buick Rendezvous CX78 year senior$2,122$591
Habor Bluffs
Saint Andrews Dr2008 Ford Fusion V6 SEL30 year married woman$1,288$364
Druid Rd S2010 Mazda 3 S45 year man$2,517$854
Dunedin Isles
B Ave2009 Acura TSX Base33 year married man$2,612$772
E Ave2005 Chevrolet Silverado 2500HD Work Truck29 year woman$1,435$573
N Co Rd 1932012 Hyundai Sonata GLS62 year male senior$2,412$780
Harbor Cir2013 Honda Civic LX73 year female senior$2,201$395
Chickasaw Trl2011 Nissan Rogue SV19 year teenager$4,021$875
145th St N2011 Lincoln MKZ Base16 year female teenager$3,924$731

Clearwater Post DUI Car Insurance Rates

Clearwater Seminole Harbor Bluffs Tarpon Springs Florida
Median Post DUI Insurance Rate $2998 -$36 +$498 +$117 -$461
Male Teenager Post DUI Insurance Rate $8064 -$94 +$1342 +$315 -$1240
Female Teenager Post DUI Insurance Rate $7194 -$84 +$1198 +$283 -$1107

The Post DUI insurance in Clearwater, FL's is $2998 compared to Seminole (-$36), Harbor Bluffs (+$498), Tarpon Springs (+$117) and Florida (-$461)

In Clearwater, a male teenager with Post DUI pays $870 more than a female teenager Post DUI. For Example, a Male Teenager Post DUI with a 2008 Ford Fusion V6 SEL in Clearwater, FL would pay $7674 on auto insurance while a female teenager POST DUI would pay $6846.

Clearwater Car Insurance by Segment

Clearwater Teenagers Car Insurance Rates Comparison

15240 Clearwater Teenagers (4% of total population), 55% Male & 45% Female.

Clearwater Belleair Beach Dunedin Feather Sound Florida
All Teenagers $4062 +$474 +$38 +$448 -$625
Male Teenager $4336 +$506 +$40 +$479 -$667
Female Teenager $3868 +$452 +$36 +$428 -$595

Clearwater teenagers pay $4062 in insurance in contrast with Belleair Beach (+$474), Dunedin (+$38), Feather Sound (+$448) and Florida (-$625). The difference between Male & Female teenagers in Clearwater is $468


  • 2010 Toyota Prius Male Teenager Insurance Rate $4,158
  • 2013 Jeep Wrangler Sport Female Teenager Insurance Rate $3,482

Clearwater Men & Women Car Insurance

319406 Clearwater Adults (100% of total population), 48% Men & 52% Women.

Clearwater Harbor Bluffs South Highpoint Seminole Florida
All Women $1483 +$246 +$127 -$18 -$229
Married Women $1354 +$225 +$116 -$16 -$209
All Men $2659 +$443 +$228 -$31 -$409
Married Men $2579 +$429 +$221 -$31 -$397

The typical insurance rate of $2659 that Clearwater Men pay varies from Harbor Bluffs (+$443), South Highpoint (+$228), Seminole (-$31) and Florida (-$409). In Clearwater, married men pay $1225 more than married women.


  • 2013 Volkswagen Beetle 2.5 50s Edition Married Men Insurance Rate $2,480
  • 2007 Lexus GS 350 Married Women Insurance Rate $2,768

Clearwater Senior Car Insurance

99118 Clearwater Seniors (31% of total population), 44% Senior Men & 56% Senior Women.

Clearwater Safety Harbor Seminole South Highpoint Florida
All Seniors $2385 +$27 -$28 +$205 -$367
Senior Men $2450 +$27 -$29 +$210 -$377
Senior Women $2321 +$26 -$28 +$199 -$357

Clearwater seniors pay $2385 in insurance compared to Safety Harbor (+$27), Seminole (-$28), South Highpoint (+$205) and Florida (-$367). In Clearwater, senior men pay $129 more than senior women.

Clearwater Car Insurance Discounts for Multiple Vehicles

Clearwater Population with 1 Vehicle 68587 (49% of Clearwater population), 2 Vehicles 46638 (33% of the Clearwater population) and 3 vehicles 10454 (7% of the population)

Clearwater Bardmoor Belleair Bluffs Harbor Bluffs Florida
2 Vehicles $3063 -$251 -$840 +$509 -$471
3 Vehicles $4675 -$383 -$1282 +$777 -$719
4 Vehicles $6287 -$515 -$1724 +$1045 -$967