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There’s a lot to like about living in the Sunshine State, but high auto insurance rates aren’t at the top of the list. Today, we’re taking a closer look at Florida to find the best car insurance in Clearwater, F.L. and provide some tips for getting affordable coverage.

We looked at coverage, cost, the claims process, and customer reviews to determine which providers should be at the top of your list while shopping for auto insurance. Read on to find out what 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.

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Best Car Insurance In Clearwater, F.L.

To find the cheapest car auto insurance in Clearwater, F.L., we went through our top providers list and re-examined these companies in light of Florida laws and guidelines. We have found the top two choices for car insurance providers in Illinois to be State Farm and USAA. Both of them performed well in our research of the best car insurance companies, where we ranked providers on the following:

  • Financial strength
  • Availability
  • Customer service
  • Cost
  • Coverage
  • Technology

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

Best Clearwater, F.L. Car InsuranceOur Overall RatingCustomer ServiceAffordabilityCoverage
1. State Farm Auto Insurance4.64.64.54.5
2. USAA Car Insurance4.84.754.8

*You may notice that some car insurance companies are listed above those with higher star ratings. This is because our ratings take into account nationwide factors, while our ranking for this article looks specifically at what insurance providers are best for car insurance in Clearwater, F.L.

#1 State Farm: Best Overall For Clearwater, F.L.

The largest car insurance company in the nation, State Farm offers full coverage insurance with great discounts for students, bundled insurance, and new drivers. State Farm has thousands of positive reviews from satisfied customers and high ratings from top names in the auto 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, discounts, and claims process.

Through State Farm, you can also get insurance for motorcycles, boats, ATVs, motorhomes, and more. You can also bundle your auto insurance policy with life insurance or home insurance to save money. Looking at discounts, State Farm offers 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 the Consumer Reports study “The Secret Score Behind Your Rates,” State Farm’s insurance rates for Florida residents placed second lowest in cost for applicants with “Excellent,” “Good,” and “Poor” credit scores. USAA car insurance had better rates for some residents, but USAA is restricted to military members and their families.

Pros Largest auto insurer in the country, available in 48 states Many discounts for teens and students Superior financial strength rating and A+ rating from the BBB
Cons Higher rates than some competitors Average customer experience Not taking new customers in Massachusetts or Rhode Island

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

#2 USAA: Best For Military In Clearwater, F.L.

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

USAA ranked first in the Consumer Reports study “The Secret Score Behind Your Rates” on 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 its great claims servicing, availability, and cost.

Once someone becomes a USAA member and purchases either homeowners insurance or car insurance, eligibility can spread throughout an entire family tree. The following people can get USAA insurance:

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

USAA provides more than just car insurance. You can find a wide array of financial products and services offered to members. A few of the services available from USAA include:

  • Auto insurance
  • Homeowners/renters insurance
  • Property insurance
  • Life insurance
  • Health insurance
  • Disaster recovery insurance
  • Banking services
  • Vehicle loans
  • Home loans
  • Credit cards
  • Financial planning
  • Retirement accounts
Pros Affordable rates and numerous discounts Excellent option for military members and young drivers Superior financial ratings from AM Best Nationwide availability
Cons Only available for military members, veterans, and their families

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

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

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Minimum Requirements For Car Insurance: Clearwater, F.L.

Before you buy car insurance in Clearwater, F.L., it is helpful to know what the minimum required level of coverage is in this city. Each state in the country regulates auto insurance through state laws. Here are the minimum requirements for Florida car insurance:

Insurance TypeRequired Coverage Amount
Property damage liability$10,000 per accident
Personal injury protection$10,000

Is Florida A No-Fault State?

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

No-fault car insurance applies only to car accident injuries. For vehicle damage or property damage resulting from a car accident, you’re typically free to pursue a claim against the at-fault driver. The cost of auto insurance in no-fault states is typically higher for the average citizen because auto insurance companies cannot base insurance rates on an individual driver’s risk level as easily in these states.

What Do Florida’s Minimum Requirements Cover?

Property damage is a type of liability car insurance that covers an at-fault driver for damage to another party’s property. Personal injury protection (PIP) is a type of car insurance that pays for expenses that you and your passengers may owe after being hurt in a car accident, regardless of who was at fault. A few examples of these costs include medical bills, lost wages, and funeral services if needed.

How Much Car Insurance Do You Need In Clearwater, F.L.?

As with all states, we recommend that you purchase full coverage car insurance in Clearwater, F.L. for maximum protection of your financial assets. Full coverage consists of liability insurance, comprehensive insurance, and collision insurance.

In addition to purchasing full coverage auto insurance, it is wise for Clearwater residents to purchase uninsured motorist coverage. Unfortunately, Florida has the highest percentage of uninsured motorists in the nation. According to the Insurance Information Institute (III), 26 percent 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 of money owed to you.

Data from Geotab revealed that Florida residents also have more car accidents than any other state in the nation. As such, it may be smart to buy collision coverage, which is included when you purchase full coverage car insurance. This type of insurance helps cover the cost of car damage 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 Florida car insurance in 2017 was $1,356.90 per year. This is significantly higher than the national average, making Florida the third most expensive state for automobile 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 the same limits.

Type of CoverageAverage Annual Expenditure in 2017
Liability coverage$964.28
Collision coverage$343.41
Comprehensive coverage$137.88
Total cost$1,356.90

*To calculate average expenditures, NAIC assumed that all insured vehicles would carry liability coverage but not necessarily collision or comprehensive. Total cost per year measures what consumers actually spent.

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

Final Thoughts On Car insurance In Clearwater, F.L.

After performing extensive research into Florida providers, we determined that State Farm and USAA are the best choices for car insurance in Clearwater, F.L.

USAA InsuranceState Farm Insurance
Overall Rating4.84.6
AM Best Financial Strength RatingA++A++
J.D. Power Claims Servicing Score53
Usage-Based Insurance
Accident Forgiveness
New Car Replacement
Multi-Car DiscountVaries20%

*J.D. Power data is from the 2019 U.S. Auto Claims Satisfaction Study℠.

Whenever you shop for 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, so what’s best for your neighbor might not be best for you.

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

Compare auto insurance rates
Enter your zip code to shop for the best rates in your area:

Methodology

In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.

  • Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
  • Availability: We consider availability by state as well as exclusions for specific groups of drivers.
  • Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on 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 best scores.
  • Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
  • Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.