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Best Auto Insurance: Clearwater, FL (2022)

There’s a lot to love about living in the Sunshine State, but high car insurance rates aren’t high on the list. Today we take a closer look at Florida to find the best car insurance in Clearwater, FL and provide some tips for getting affordable coverage.

We looked at coverage, cost, claims process and customer reviews to determine which providers should be at the top of your list when shopping for car insurance. Read on to find out which providers we recommend, then enter your zip code or call (844) 246-8209 to get quotes from some of the best car insurance companies in the industry.

Best Car Insurance in Clearwater, FL

To find the cheapest auto insurance in Clearwater, Florida, we scoured our list of top providers and reviewed these companies in light of Florida laws and guidelines. We have found that the two best choices for car insurance providers in Illinois are State Farm and USAA. Both performed well in our search for the best car insurance companies, where we ranked providers based on the following criteria:

  • Financial solidity
  • Availablity
  • Customer service
  • Cost
  • Cover
  • Technology

Overall, we think State Farm is the best choice for auto insurance because of its reputation for quick claims and low average cost.

*You may notice that some car insurance companies are listed above those with a higher star rating. This is because our ratings consider national factors, while our ranking for this article specifically looks at the best insurers for car insurance in Clearwater, Florida.

#1 State Farm: Best Overall for Clearwater, FL

State Farm, the nation’s largest auto insurance company, offers comprehensive insurance with attractive discounts for students, bundled insurance, and new drivers. State Farm has thousands of positive reviews from satisfied customers and high ratings from big names in the automotive industry like the Better Business Bureau (BBB) ​​and AM Best. State Farm received a 4.6-star rating from our review team for its excellent cost, rebates, and claims process.

Through State Farm, you can also get insurance for motorcycles, boats, ATVs, RVs, and more. You can also bundle your auto insurance policy with life or home insurance to save money. When it comes to discounts, State Farm has a good selection. State Farm insurance reviews are also largely positive. Overall, State Farm auto insurance customers are happy with their coverage and enjoy affordable rates.

In Consumer Reports’ “The Secret Score Behind Your Rates” study, State Farm insurance rates for Florida residents rank second lowest for applicants with “great” credit scores , “good” and “bad”. USAA auto insurance had better rates for some residents, but USAA is for military members and their families only.

To learn more about the auto insurance provider, check out our State Farm auto insurance review.

#2 USAA: Best for Military in Clearwater, FL

For those who serve or have served in the military, USAA is the best choice for auto insurance in Clearwater, FL Based in San Antonio, USAA stands for United Services Automobile Association and has over 12.8 million members.

USAA ranked first in Consumer Reports’ “The Secret Score Behind Your Rates” study of the most affordable car insurance for Florida residents with an “Excellent” or “Good” credit rating. USAA also received a 4.8-star rating from our review team for excellent claims service, availability, and cost.

Once a person becomes a USAA member and purchases home or auto insurance, eligibility can extend to an entire family tree. The following people can purchase USAA insurance:

  • Active, retired, honorably separated, or enlisted U.S. military members
  • Candidates for commissioning programs such as the Reserve Officers Training Corps (ROTC), Academy, Officer Candidate School (OCS) or Officers Training School (OTS)
  • Spouses and children of USAA members or those who have had an auto or home policy

USAA provides more than just auto insurance. You can find a wide range of financial products and services offered to members. Here are some of the services available from USAA:

  • Car insurance
  • Home/Tenant Insurance
  • Home Insurance
  • Life insurance
  • Health insurance
  • Disaster recovery insurance
  • Banking services
  • Car loans
  • Home loans
  • Credit card
  • Financial planning
  • Retirement accounts

To learn more about the auto insurance provider, see our USAA auto insurance review. You may also find our State Farm vs USAA review helpful if you’re having trouble deciding which of the two companies is best for you to save money.

Enter your postal code in our tool below or call (844) 246-8209 for free, personalized auto insurance quotes.

Minimum requirements for car insurance: Clearwater, FL

Before getting auto insurance in Clearwater, Florida, it helps to know what the minimum level of coverage is required in that city. Each state in the country regulates auto insurance through state laws. Here are the minimum requirements for car insurance in Florida:

Florida is one of 12 states with no-fault insurance laws, which means your own auto insurance company will pay all or part of the medical claims for an accident, regardless of who is at fault. In most states, claims are paid only by the at-fault driver’s insurance company.

No-fault car insurance only applies to traffic accidents. For vehicle or property damage resulting from a car accident, you are generally free to bring an action against the driver at fault. The cost of car insurance in no-fault states is generally higher for the average citizen, because car insurance companies cannot so easily base insurance rates on an individual driver’s level of risk in these states.

Property damage is a type of auto liability insurance that covers an at-fault driver for damage to other people’s property. Personal Injury Protection (PIP) is a type of car insurance that pays for expenses you and your passengers may owe after being injured in a car accident, regardless of who was at fault. Some examples of these costs include medical bills, lost wages, and funeral services if needed.

How much car insurance do you need in Clearwater, Florida?

As in all states, we recommend that you purchase full coverage auto insurance in Clearwater, Florida for maximum protection of your financial assets. Comprehensive coverage includes liability insurance, comprehensive insurance and collision damage waiver.

In addition to purchasing comprehensive auto insurance, it is wise for Clearwater residents to purchase coverage for uninsured motorists. Unfortunately, Florida has the highest percentage of uninsured motorists in the country. According to the Insurance Information Institute (III), 26% of motorists in the state are uninsured.

After an accident, the other drivers’ insurance company is responsible for paying some of your bills if they are at fault. If the other driver is uninsured, you may not receive the amount owed to you.

Geotab data revealed that residents of Florida also have more car accidents than any other state in the country. As such, it may be a good idea to purchase collision coverage, which is included when you purchase comprehensive auto insurance. This type of insurance helps cover the cost of damage to the car resulting from an accident.

What is the average cost of car insurance in Florida?

According to the National Association of Insurance Commissioners (NAIC), the average cost of auto insurance in Florida in 2017 was $1,356.90 per year. This figure is significantly higher than the national average, making Florida the third most expensive state for car insurance.

Here’s a breakdown of how much Florida drivers spent on different types of insurance in 2017. Keep in mind that not all drivers purchased the same types of coverage or have the same limits.

*To calculate average expenses, the NAIC assumed that all insured vehicles would be covered by liability insurance, but not necessarily collision or comprehensive. The total cost per year measures what consumers actually spent.

The cost of your own auto insurance in Clearwater, FL will depend on several factors, including your age, vehicle, gender, and driving experience.

Final Thoughts on Car Insurance in Clearwater, FL

After doing extensive research on Florida providers, we have determined that State Farm and USAA are the best choices for auto insurance in Clearwater, FL.

*JD Power data is from the 2019 U.S. Automotive Claims Satisfaction Study℠.

Whenever you buy auto insurance, we recommend getting a free quote from multiple providers so you can compare coverage and rates. In addition to the car insurance company you choose, factors such as your age and driving history can affect your premium. Therefore, what is best for your neighbor may not be best for you.

Use the tool below or call (844) 246-8209 to start comparing personalized auto insurance quotes:

Methodology

In an effort to provide accurate and unbiased information to consumers, our team of experts collects data from dozens of car insurance providers to compile rankings of the best insurers. Companies receive a score in each of the following categories, along with an overall weighted score of 5.0 stars.

  • Industry Ranking: Insurers with strong financial ratings and customer-focused business practices receive the highest scores in this category.
  • Availablity: We consider availability by state as well as exclusions for specific groups of drivers.
  • Cover: This rating is based on the types of insurance available, maximum coverage limits and supplemental policies.
  • Cost and discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the highest scores.
  • Customer service: We scour customer reviews and consumer feedback studies from experts like JD Power.
  • Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.