For drivers in Clearwater, one of the big components that are used to help calculate car insurance rates is your address. Regions with more people or even just more weather-related claims will most likely pay more, whereas areas with less congestion have the luxury of cheap car insurance rates.

The table below shows the priciest cities in Florida in which to buy car insurance. Clearwater ranks #16 costing $2,194 for the average insured, which is around $183 each month.

How much is auto insurance in Clearwater, FL?
Rank City Premium Per Year
1 Hialeah $3,630
2 Miami $3,241
3 Miami Gardens $3,181
4 Miami Beach $2,923
5 Miramar $2,709
6 West Palm Beach $2,705
7 Tampa $2,636
8 Pompano Beach $2,620
9 Hollywood $2,604
10 Coral Springs $2,574
11 Fort Lauderdale $2,550
12 Davie $2,473
13 Pembroke Pines $2,431
14 Brandon $2,368
15 St. Petersburg $2,263
16 Clearwater $2,194
17 Spring Hill $2,060
18 Orlando $2,008
19 Jacksonville $1,980
20 Port St. Lucie $1,935
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Rate information is approximated as vehicle location can revise coverage rates greatly.

Now that we understand where Clearwater ranks for price, buying low-cost car insurance is confusing at best, and deciding which companies offer the cheapest car insurance rates in Clearwater requires more quotes for comparison. Each company has a proprietary method for determining rates, so let's begin by taking a look at the lowest cost car insurance companies in Clearwater.

It's important that you understand Clearwater, FL car insurance rates are impacted by many things which can significantly increase or decrease the cost of a policy. Things like getting older, having a teen driver, or getting a few speeding tickets can cause premium changes that can now make some companies much higher than others.

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Rankings for the cheapest Florida auto insurance companies
Rank Company Cost Per Year
1 USAA $948
2 Electric $1,694
3 Amica $1,712
4 Progressive $1,829
5 Allied $1,926
6 Mercury $1,933
7 Travelers $1,945
8 Auto-Owners $2,085
9 Esurance $2,102
10 GEICO $2,108
11 State Farm $2,110
12 Allstate $2,340
13 21st Century $2,373
14 Windhaven Insurance $2,627
15 MetLife $2,870
16 Safeco $2,927
17 Hanover $2,934
18 Liberty Mutual $3,101
19 United Automobile $3,527
20 Direct General $4,022
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USAA offers some of the lowest car insurance rates in Clearwater at around $948 annually. Electric, Amica, Progressive, and Allied also are some of the more affordable Clearwater, FL insurance companies.

As shown in the rates above, if you currently have a policy with Electric and switched to USAA, you might see annual savings of approximately $746. Florida drivers with Amica may save as much as $764 a year, and Progressive policyholders might reduce rates by $881 a year.

To see how much you can save, click here or visit several of the following companies.

Remember that these premium estimates are averages for all types of insureds and vehicles and and are not figured with an exact vehicle garaging location in Clearwater. So the insurer that has the cheapest price for you may not even be in the top 21 companies in the list above. That emphasizes why you need to get auto insurance quotes using your own driver data and vehicle information.

The vehicle model that needs insurance is probably the most important factor when quoting the most affordable insurance in Clearwater. Vehicles with lots of speed or power, poor safety features, or high incidents of liability claims will cost significantly more to insure than safer models. The data below showcases insurance rates for a selection of the most cost-effective automobiles to buy insurance for.

Cheapest Vehicles to Insure in Clearwater, FL
Vehicle Insured Estimated Cost for Full Coverage
Ford Escape XLS 4WD $1,404
Chevrolet Malibu Hybrid $1,660
Volkswagen Jetta S 4-Dr Sedan $1,670
Toyota Tacoma Double Cab 4WD $1,692
Honda CR-V LX 4WD $1,722
Toyota Corolla XLE $1,749
Toyota Prius $1,778
Nissan Rogue S 2WD $1,781
Ford Fusion SE 4-Dr Sedan $1,789
GMC Sierra SLE Extended Cab 4WD $1,781
Dodge Ram Quad Cab SLT 2WD $1,813
Ford Focus SE 4-Dr Sedan $1,867
Jeep Wrangler Sport Islander Package 4WD 2-Dr $1,889
Toyota RAV4 Limited 2WD $1,902
Toyota Camry Hybrid $1,908
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Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Premium costs do not factor in specific location which can impact premiums noticeably.

Looking at the rates, models like the Ford Escape, Chevrolet Malibu, and Volkswagen Jetta are most likely going to be a few of the cheapest vehicles to insure for drivers in Clearwater.

Bad driving habits will cost you more

The recommended way to earn the cheapest auto insurance rates for drivers in Clearwater is to drive carefully and have a clean driving record. The information below shows how speeding tickets and accident claims impact insurance rates for each age group. The premiums assume a single male driver, full coverage, $500 deductibles, and no discounts are factored in.

In the prior example, the average cost of an auto insurance policy in Clearwater per year with no accidents and a clean driving record is $2,147. Add in two speeding tickets and the average cost swells to $2,844, an increase of $697 each year. Then add in one accident along with the two speeding tickets and the yearly cost of auto insurance in Clearwater increases to an average of $3,543. That's an increase of $1,396, or $116 per month, just for a couple of infractions!

The illustration below demonstrates how deductible levels can raise or lower insurance rates when quoting cheap insurance in Clearwater. The data is based on a single male driver, full coverage, and no discounts are applied to the premium.

In the chart above, a 50-year-old driver could reduce rates by $476 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $720 by switching to a $1,000 deductible. Younger drivers, like the 20-year-old category, could roll back prices $1,582 annually just by choosing higher deductibles. If you do decide to increase your deductibles, it is important to have plenty of money set aside to enable you to cover the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.

How to find more affordable auto insurance in Clearwater

The list below shows some of the better penny-pinching ideas that can help drivers buy cheap car insurance.

That last tip is highly significant, as was emphasized in the prior information. Insurance rates adjust frequently, so don't be tentative to buy from a different company if a lower price can be found. Many drivers tend to have loyalty to a certain company, but it isn't a good idea if that loyalty results in overpaying a considerable chunk of change every month. Spend a few minutes and shop around and find cheaper insurance in Clearwater.