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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UPDATED: Jun 19, 2020
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- 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.
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!