Car Insurance in Clearwater, Florida

The average car insurance rates in Clearwater, FL are $442.25/mo. Florida requires $10K (PIP) and $10K (PDL) as minimum coverage for all drivers.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 19, 2020

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Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

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Here's what you need to know...

  • Clearwater, Florida, has many options for car insurance coverage
  • PIP coverage is a requirement in Florida
  • If you are searching for insurance, compare quotes from multiple companies before making a decision


If you are currently shopping around for the best deals on car insurance in Clearwater, take heart! There are many Florida car insurance options to choose from.

Enter your zip code above for car insurance quotes from top companies in Clearwater!

Clearwater Car Insurance

There are a few things you will need to remember about car insurance in Florida.

If you want to register a car in Florida, Florida law mandates that you purchase car insurance. The average car insurance rates in Clearwater, FL are $442.25/mo.

Florida car insurance requires that everyone carry a minimum in insurance: $10,000 in personal injury protection (PIP) and another $10,000 in property damage liability (PDL).

Personal Injury Protection insurance covers a multitude of scenarios up to the limit of the policy regardless of whether you are at fault in an accident.

It also covers friends or family members who are in your car, licensed drivers who may be passengers, and other individuals who drive your car. If you are a passenger in someone else’s car, your PIP will cover you in an accident as well as if a car hits you when you are riding a bike or walking.

It will also cover your child if he or she is injured while riding a school bus.

Property damage liability covers any damages caused by you or your family to someone else’s property.

The main thing to remember is that you are required to have insurance if you want to own and drive a car in Florida. Your driver’s license and car registration can be revoked or suspended if you fail to keep car insurance.

Insurance rates are remaining stable in Florida in comparison to the national average, but it is still a good idea to shop around for the best prices.

Online rate quote tools can help you to get an idea of what different companies are offering. Enter your zip code to start comparing rates now!

References:

  1. https://en.wikipedia.org/wiki/Personal_injury_protection
  2. https://www.cdc.gov/motorvehiclesafety/pedestrian_safety/
  3. https://www.nolo.com/legal-encyclopedia/drivers-license-faq-29063-4.html

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