Cheap Car Insurance in Clearwater, FL
Everything You Need to Know about Auto Insurance in Florida
Clearwater is a city in Pinellas County, with a population of about 117,000 people. It is known for its beaches, including Clearwater Beach and Sand Key Park. The area also offers many recreational activities, such as fishing, boating, and golfing. Clearwater is home to several cultural institutions, such as the Clearwater Marine Aquarium, the Capitol Theatre, and the Ruth Eckerd Hall. The average temperature in Clearwater ranges from the mid-60s in the winter to the mid-80s in the summer, making it a great place to visit or live year-round.
If you’re planning to drive in the Orange State, it’s important to have auto protection. Freeway offers affordable car insurance in Florida, whether you have an imperfect driving record or just want to save on your insurance. To discover more about auto coverage in the region and the best discounts, continue reading and get in touch with the team. They can help you protect yourself and your vehicle so you can enjoy your time in Clearwater worry-free.
How Much Does Car Insurance Cost in Clearwater, FL?
In Clearwater, most drivers shell out around $82 per month for basic liability car insurance, and about $240 for full auto coverage. Florida’s rates are a bit on the steep side, with an average of $87 for minimum coverage and $286 for full coverage. These numbers definitely catch your eye when you consider that the national averages are $52 for basic liability and $168 for a full plan.
Reasons Why Insurance is So Expensive in Florida
So, why is vehicle coverage so pricey in Florida? Well, there are a few reasons behind it. For starters, the Sunshine State has a high percentage of uninsured drivers, which can drive up costs for everyone else.
In addition, Florida’s wild weather, with hurricanes and storms can lead to major damage and hefty claims. Plus, bustling cities like Miami and Orlando bring with them a lot of traffic and a higher chance of accidents, adding to the insurance tab statewide.
Florida is also a no-fault state and those tend to have higher premiums. No-fault means your own insurance company will help pay for your injuries, regardless of who caused an accident. In an at-fault state, the driver who is at fault is responsible for paying for injuries and damages.
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Affordable Car Insurance Rates Comparison by Cities in Florida
Take a look at the list below to see how much drivers in different cities across Florida typically pay per month for their car insurance.
| City | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Clearwater | $240 | $82 |
| Royal Palm Beach | $293 | $97 |
| Jacksonville | $228 | $77 |
| Lakeside | $205 | $71 |
| Tallahassee | $190 | $60 |
Affordable Clearwater Car Insurance Rates by Zip Code
Your location can have a major impact on your coverage prices. Living in an area known for frequent theft, vandalism, or insurance claims often means higher premiums for you.
Want to know how much residents in Clearwater pay for auto insurance by zip code? Find out below!
| Zip Code | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| 33755 | $240 | $82 |
| 33759 | $248 | $85 |
| 33760 | $241 | $83 |
| 33761 | $243 | $84 |
| 33762 | $245 | $83 |
| 33763 | $240 | $84 |
| 33756 | $241 | $82 |
Low-Cost Car Insurance Rates by Age in Clearwater
Car insurance for young drivers can often come with higher premiums due to a higher frequency of claims and less experience on the road. However, as long as you maintain a good driving record, you can typically expect rates to level off during your 30s-50s. It’s important to keep in mind, though, that costs may increase again later on as you reach your 60s-70s when reflexes slow down and the risk of accidents goes up.
Want to know the average monthly premiums for Clearwater residents at different ages? Check out our breakdown below
| Age | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Teenagers | $1,013 | $348 |
| 20s | $475 | $162 |
| 30s | $240 | $82 |
| 40s | $226 | $78 |
| 50s | $219 | $75 |
| 60s | $209 | $72 |
| 70s | $238 | $82 |
We use the following methodology to arrive at our average cost: male, age 30, state minimum liability and full coverage of 100/300/100.
Driving Conditions in Clearwater, FL
How Many Fatal Accidents Happen in Clearwater, Florida?
Did you know that Florida ranks high for annual crash rates compared to other states? On average, about 3,000 fatalities occur in these incidents each year. Pinellas County, where Clearwater is located, sees over 100 fatal crashes annually based on data from the Florida Highway Safety and Motor Vehicles (FLHSMV).
Looking at statistics, there were 148 fatal crashes and 158 fatalities in 2021. The following year saw a decrease in crash numbers to 116, but with 123 fatalities. Moving to 2023, there were 101 crashes and a reduction in fatalities to 109. Keep in mind that fatality rates can fluctuate, so it’s crucial to educate yourself on common car accident injuries and practice safe driving habits.
How Are the Road Infrastructure and Bridges in Clearwater?
Currently, numerous streets, bridges, and other key infrastructure in Clearwater are undergoing construction to reach their peak condition. The Clearwater’s Public Works Department, along with Pinellas County and the Florida Department of Transportation, are spearheading a range of projects in the area. These projects include repaving efforts, the installation of pedestrian bridges, and the restoration of the Courtney Campbell Trail stretching from Courtney Campbell Beach to Ben T. Davis Beach.
One of the most ambitious undertakings is the expansion of U.S. 19 from Curlew Road south to State Road 580. This extensive project encompasses the development of new interchanges, enhancements to roadways and safety features, the construction of a pedestrian underpass between Evans Road and Republic Drive, and the addition of a pedestrian bridge over U.S. 19 at Northside Drive. These enhancements are anticipated to be completed by the end of 2029.
With so much transformation underway, the city urges locals and visitors to exercise patience, reduce speed, and explore alternate routes as needed.
Minimum Car Insurance Requirements in Clearwater, FL
When it comes to getting auto insurance in Clearwater and throughout sunny Florida, there are some specific rules you should know about the minimum coverage requirements. Here’s the lowdown:
- Property damage liability coverage: It’s important to have at least $10,000 of coverage in case any property gets damaged in an accident.
- Personal Injury Protection (PIP): To cover medical bills, lost wages, and other expenses that may arise from an accident, you’ll need at least $10,000 of coverage.
What Are the Penalties for Driving Without Insurance in Clearwater, FL?
Ever wondered what could happen if you get pulled over in Florida and can’t prove you’ve got car insurance? Let’s break it down for you:
- Your driver’s license and registration might end up getting suspended.
- For first-time slip-ups, you’re looking at a $150 reinstatement fee and up to a three-year license registration suspension.
- If lightning strikes twice (within three years of the first offense), prepare to shell out $250 for the reinstatement fee and face that same three-year license registration suspension.
- And if mishaps keep coming (within three years of the initial slip-up), get ready for a $500 reinstatement fee and up to three years of license registration suspension.
So, remember to double-check your coverage every time you hit the road to steer clear of these serious consequences.
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Factors Allowed in Clearwater Car Insurance Rates
Let’s dig into the factors that affect your car insurance rates. When it comes to determining your premiums, carriers consider a variety of factors, including:
- Your age
- Your driving record
- The liability limits you choose
- Your kind of job
- The amount of your deductible
- The make and model of your vehicle
- Your gender
Here’s What You Need to Know When Driving in Florida
Navigating the roads in Florida offers a unique adventure, from the vibrant city vibes of Miami, Orlando, and Tampa to the charm of Clearwater.
However, Clearwater’s weather can pose challenges, especially during the rainy season when sudden downpours and thunderstorms are common. In addition, the Sand and saltwater of Clearwater´s beaches may interfere with the road’s quality, causing it to become slippery and challenging to drive on. To handle these conditions, give yourself extra time for travel and adopt a cautious driving approach.
Stay safe in any bustling city in Florida by decreasing your speed, maintaining a safe distance from other vehicles, and staying vigilant while exploring the area’s diverse landscapes.
What Are the Best Discounts for Car Insurance in Clearwater, FL?
Looking for ways to get cheap auto protection? Here’s a tip for you: utilize discount programs to access fantastic perks. By combining your auto coverage with your homeowners insurance from the same carrier, you could enjoy significant savings on your policy.
You might qualify for different car insurance discounts if you comply with some criteria and have a clean driving record. Some of the most popular savings for drivers in Clearwater include:
To ensure you’re getting the best deal, speak with your local agent. Not all insurers offer the same discounts. They can provide tailored advice and help you secure the most cost-effective coverage for your needs.
Get an Online Quote for Car Insurance in Clearwater, Florida Today!
If you’re searching for cheap car insurance in Clearwater, don’t look any further than Freeway Insurance for expert assistance. Get started with your free insurance quote online, visit one of our conveniently located offices, or call 800-777-5620 to speak with our friendly agents and begin saving.