Compare Clearwater Beach, FL Car Insurance Rates (2021)

Car insurance in Clearwater Beach, FL averages $441 a month. Clearwater Beach, Florida car insurance requirements are 10/20/10, but you might need full coverage insurance if your car is financed. To find cheap Clearwater Beach car insurance rates, compare quotes from the top car insurance companies in Clearwater Beach, FL.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Clearwater Beach, FL after a DUI are $6,384/year
  • The cheapest car insurance company in Clearwater Beach is USAA
  • The cheapest ZIP code in Clearwater Beach is 33767

If you need to buy Clearwater Beach, Florida car insurance, the options can be confusing. Everything you need to know about car insurance in Clearwater Beach, FL is right here.

You’ll find Clearwater Beach car insurance rates, the cheapest Clearwater Beach, FL car insurance companies, and information on Florida car insurance laws. You can also compare Clearwater Beach, Florida car insurance rates to Jacksonville car insurance rates, Fort Lauderdale car insurance rates, and Orlando car insurance rates.

Ready to find affordable Clearwater Beach, FL car insurance today? Enter your ZIP code for fast, free Clearwater Beach car insurance quotes.

Cheapest Clearwater Beach, FL Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Clearwater Beach, FL car insurance rates? Every Clearwater Beach, Florida car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Clearwater Beach, Florida

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $5,450 $5,201 $4,768 $4,832 $18,929 $20,642 $5,334 $5,378
GEICO $3,487 $3,502 $3,265 $3,265 $6,232 $7,808 $3,841 $3,892
Liberty Mutual $4,100 $4,100 $3,746 $3,746 $8,809 $13,645 $4,100 $5,612
Nationwide $3,418 $3,375 $3,052 $3,155 $8,266 $10,183 $3,769 $3,923
Progressive $4,011 $3,741 $3,427 $3,673 $11,361 $12,283 $4,785 $4,484
State Farm $2,336 $2,336 $2,124 $2,124 $6,981 $8,923 $2,608 $2,784
USAA $1,851 $1,815 $1,747 $1,722 $6,467 $7,447 $2,303 $2,474

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Minimum Car Insurance in Clearwater Beach, FL

Every driver must carry the minimum car insurance in Clearwater Beach, FL. Take a look at the Florida car insurance requirements.

Minimum Required Car Insurance Coverage in Clearwater Beach, Florida

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $10,000 per person
$20,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Clearwater Beach, FL Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Clearwater Beach, FL. Compare credit history car insurance rates in Clearwater Beach from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Clearwater Beach, Florida

Insurance Company Poor Fair Good
Allstate $12,406 $7,781 $6,264
GEICO $6,429 $3,888 $2,918
Liberty Mutual $7,745 $5,649 $4,553
Nationwide $6,121 $4,494 $4,064
Progressive $7,768 $5,537 $4,607
State Farm $5,206 $3,376 $2,749
USAA $5,224 $2,582 $1,878

Cheapest Clearwater Beach, FL Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Clearwater Beach, FL to rates for a clean record with top companies.

Annual Clearwater Beach, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $7,592 $9,131 $10,113 $8,432
GEICO $3,070 $3,926 $5,849 $4,800
Liberty Mutual $4,229 $5,579 $8,236 $5,885
Nationwide $4,167 $4,579 $6,189 $4,635
Progressive $4,722 $6,964 $5,879 $6,319
State Farm $3,444 $4,110 $3,777 $3,777
USAA $2,513 $3,120 $4,641 $2,638

Cheapest Clearwater Beach, FL Car Insurance for Teen Drivers

Teen car insurance in Clearwater Beach, FL can be expensive. Take a look at rates from the top car insurance companies in Clearwater Beach for teenagers.

Annual Car Insurance Rates for Teen Drivers in Clearwater Beach, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $18,929 $20,642
GEICO $6,232 $7,808
Liberty Mutual $8,809 $13,645
Nationwide $8,266 $10,183
Progressive $11,361 $12,283
State Farm $6,981 $8,923
USAA $6,467 $7,447

Cheapest Clearwater Beach, FL Car Insurance for Seniors

Take a look at Clearwater Beach, FL senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Clearwater Beach, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,768 $4,832
GEICO $3,265 $3,265
Liberty Mutual $3,746 $3,746
Nationwide $3,052 $3,155
Progressive $3,427 $3,673
State Farm $2,124 $2,124
USAA $1,747 $1,722

Cheapest Clearwater Beach, FL Car Insurance Rates After a DUI

A DUI in Clearwater Beach, FL increases car insurance rates. Compare Clearwater Beach, Florida DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Clearwater Beach, Florida

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $10,113
GEICO $5,849
Liberty Mutual $8,236
Nationwide $6,189
Progressive $5,879
State Farm $3,777
USAA $4,641

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Cheapest Clearwater Beach, FL Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Clearwater Beach, FL by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Clearwater Beach, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $8,563 $9,071
GEICO $4,390 $4,433
Liberty Mutual $5,784 $6,181
Nationwide $4,893 $4,893
Progressive $5,971 $5,971
State Farm $3,644 $3,910
USAA $3,191 $3,265

Cheapest Clearwater Beach, FL Car Insurance Rates by ZIP Code

Clearwater Beach car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Clearwater Beach, FL.

Annual Car Insurance Rates by ZIP Code in Clearwater Beach, Florida

ZIP Code Average Annual Rates
33760 $4,077
33761 $4,075
33762 $4,098
33763 $4,077
33764 $4,077
33765 $4,032
33767 $4,025

The Best Cheap Car Insurance Companies in Clearwater Beach, FL

Take a look at a side-by-side comparison of the top car insurance companies in Clearwater Beach, FL to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Clearwater Beach, Florida

Insurance Company Average Annual Rates
Allstate $8,817
GEICO $4,411
Liberty Mutual $5,982
Nationwide $4,893
Progressive $5,971
State Farm $3,777
USAA $3,228

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Category Winners: Cheapest Car Insurance in Clearwater Beach, Florida

Find the cheapest car insurance companies in Clearwater Beach, FL for each category right here.

Best Annual Car Insurance Rates by Company in Clearwater Beach, Florida

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

Cheapest Clearwater Beach, FL Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Clearwater Beach car insurance rates. Find the cheapest Clearwater Beach, FL car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Clearwater Beach, Florida

Insurance Company Low Medium High
Allstate $6,478 $9,346 $10,627
GEICO $3,417 $4,596 $5,222
Liberty Mutual $5,424 $6,093 $6,429
Nationwide $3,701 $5,116 $5,861
Progressive $4,774 $6,139 $7,000
State Farm $3,170 $3,882 $4,279
USAA $2,697 $3,367 $3,621

Compare Car Insurance Quotes in Clearwater Beach, FL

Ready to find affordable Clearwater Beach, Florida car insurance today? Enter your ZIP code for fast, free Clearwater Beach, FL car insurance quotes.

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