Best Car Insurance Companies in Clearwater – September 2022

A car is a important asset, and you wish to guarantee it’s well-protected in case of an mishap. That’s why car insurance is so crucial, and it’s something you should research before you purchase a policy. There are a great deal of different car insurance companies out there, and they all have benefits and drawbacks. To assist you limit your choices, we’ve assembled a list of the best car insurance companies in Clearwater, September 2022. We’ve thought about aspects like customer service, protection choices, discounts, and more to help you select the ideal insurer for your needs.

Best Cheap Car Insurance Companies in Clearwater

Clearwater is one of the most costly states for car insurance, so searching for the very best rates is important. The most affordable car insurance companies in Clearwater are Geico, State Farm, and Progressive. When looking for car insurance in Clearwater, compare rates from multiple companies to find the best deal.

Here are the leading 5 car insurance companies in Clearwater – September 2022:


Geico is Best Car Insurance Companies in Clearwater

Geico is one of the most widely known and oldest car insurance companies in the United States. The business was founded in 1936 and has ended up being the nation’s second-largest car insurance company. Geico offers a wide variety of insurance products, such as auto, property owners, renters, bikes, and boat insurance. The business is widely known for its effective advertising campaigns featuring Geico Gecko and other characters.

The Pros and Cons of Geico


  • Available in all 50 states. Geico is an insurance company that provides auto protection in every state. They offer auto insurance to citizens no matter where they reside in the United States.
  • Easy-to-use. Geico has created a easy to use website and mobile app that is simple, simple to use, and secure. You can utilize the platform to manage your insurance plan, file claims, and make payments.
  • Lots of discounts. You can save money on your Geico insurance premiums by taking advantage of the discount rates they use, such as if you have a clean driving history or are a federal worker.


  • It just offers through Geico agents. If you’re considering dealing with an independent broker, they won’t be able to price quote Geico policies. That’s since Geico just offers their policies straight and won’t partner with other companies. Nevertheless, if you ‘d like to compare your choices, we can show you prices estimate from leading companies without inputting all of your info for each quote.
  • Geico doesn’t underwrite all of its other items. Geico partners with third-party companies to provide other insurance products, like property owners insurance. That suggests that Geico will fulfil your car claim, however you might have to take care of your house owner’s insurance claim with an agency like AIG.



There are a few things to consider when searching for the very best car insurance companies in Clearwater. The first is cost. You’ll wish to find a business that offers a affordable rate on your premium. The 2nd is coverage. You’ll want to ensure you get the ideal protection for your needs. And the 3rd is customer service. You’ll want to discover a company with great customer support and easy to work with. Concerning car insurance, progressive companies tend to be more expensive than others. But they likewise use more coverage alternatives, which can be worth the additional cost. Progressive offers various kinds of coverage, consisting of collision, detailed, liability, and medical payments. They likewise have a range of discounts available, consisting of discounts for good drivers, safe motorists, and drivers who have taken a defensive driving course.

If you’re searching for the very best car insurance companies in Clearwater, price isn’t the only thing you need to think about. Coverage and customer care are necessary aspects too. However if you’re searching for a progressive business offering many protection alternatives and discounts, then advanced may be the right choice.

The Pros and Cons of Progressive


  • It offers a range of insurance choices. So you can find the coverage that Best matches your needs.
  • Among the largest car insurance companies in the United States. so you can be positive that you’re getting reliable coverage.
  • Discounts. Offers discount rates for a range of things, including safe driving, multi-car policies, and more
  • Trusted brand. It has a widely known and relied on brand, so you can be sure you’re getting quality coverage.


  • The business does not have the most prolonged history in the market. Established in 1937, Progressive is among the newer insurance companies compared to companies like State Farm and Allstate. Depending on your point of view, this could be seen as positive or negative.
  • Progressive may not have the most extensive range of coverage alternatives offered. While they provide basic auto insurance protection, they might not have as many add-on alternatives as other insurance providers.
  • Progressive’s rates are not always the cheapest. They are typically competitive, but there are sometimes more budget friendly options. This is why it’s always important to compare rates from numerous insurance companies before making a final decision.
  • Some consumers have complained about customer care concerns with Progressive. While this is definitely not universal, it is something to be aware of if you’re considering them as your insurance provider.

State Farm

State Farm

State Farm is a large and popular car insurance company in the United States. The business supplies its consumers with a wide variety of coverage choices, discount rates, and perks. Moreover, State Farm has a solid monetary rating and an extensive network of agents and claims agents. State Farm is an outstanding choice for reputable and reasonably priced car insurance. With over 80 years of market experience, they have actually offered quality protection to their customers at a sensible price. In addition, they offer numerous discount rates and perks that can help you save even more money.

The Pros and Cons of State Farm


  • History company. The business has a long history of offering quality protection and excellent customer support, making it among the most relied on names in the industry.
  • Coverage alternatives. State Farm provides thorough coverage choices so that you can customize your policy to your specific needs.
  • Rates and discount rates. They use competitive rates and discounts, conserving you money on your premium.
  • Quick and easy claims process. State Farm is known for its quick and simple claims procedure, which can assist you get back on the roadway after an accident.


  • Widest range. The company does not have the largest range of coverage alternatives, so you might be unable to find a policy that exactly fits your needs.
  • Greater rates. State Farm’s rates are normally on the greater side when compared to other insurance companies.
  • Slow processing. Some clients have grumbled about the claims process, stating it can be sluggish and aggravating.


Allstate One of the Best Car Insurance Companies in Clearwater

Allstate is one of the country’s largest auto insurance companies, insuring over 16 million vehicles. They offer a large range of coverage alternatives and outstanding customer service. Allstate auto insurance is not like your normal insurance coverage. For starters, Allstate provides a pay-per-mile program. Driving less can help you conserve money on your insurance premiums. It works by setting up a gadget in your car that monitors your mileage. Then, at the end of each month, you send out Allstate reports detailing the number of miles you drove. Allstate will compute your premium for the following month based on this info.

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The Pros and Cons of Allstate


  • Available in all 50 states. Chauffeurs all over the country (including Florida, Alaska and Hawaii) can guarantee their cars with Allstate, which isn’t true of all of its rivals.
  • High claims complete satisfaction scores. Allstate scored 876 out of 1000 on the 2020 J.D. Power Auto Claims Satisfaction Study, putting it above the industry average and other major car insurance companies like Geico, Safeco and Liberty Mutual.
  • Wide variety of discount rates available. Allstate provides a long list of discount rates for motorists, consisting of cost savings for paying your policy completely, going paperless, and bundling your auto with home insurance or another policy through Allstate.
  • Unique savings opportunities. Allstate also offers its signature Drivewise program. Participating motorists use an app that tracks their driving behaviour and can get money off their premiums for safe driving.
  • Will insure high-risk drivers. In particular states, Allstate offers non-standard car insurance for chauffeurs considered “high-risk” and might have difficulty discovering coverage from other insurance companies.


  • Our sample quote was higher than typical. When we ran a sample quote for an average driver through Allstate, we got rates greater than the national average for car insurance. You may require to go into their discount rates to get the best deal on your coverage.
  • Some middling customer scores. While Allstate scores well for claims fulfillment, its overall customer scores are typical with third-party companies like J.D. Power and Consumer Reports.



Founded in 1922, USAA is a Fortune 500 business that provides a complete range of insurance and financial services items to more than 13 million members of the military community and their households.

With its headquarters in San Antonio, Texas, USAA has over 30,000 staff members and operates in all 50 states. The business’s insurance includes car, house owners, life, health, and umbrella protection.

USAA regularly ranks amongst the best car insurance companies regarding consumer satisfaction. In J.D. Power’s 2020 U.S. Auto Insurance Study, USAA got the greatest possible score in every category, including general complete satisfaction, declares satisfaction, policy offerings, prices, and billing procedure and interactions.

In addition to its excellent customer support scores, USAA is likewise among the most inexpensive car insurance suppliers in Clearwater. In our study of the best cheap car insurance companies in N.Y., USAA had an average yearly rate of $1,028– practically $400 less than the state median!

The Pros and Cons of USAA


  • Competitive rates. One of the most substantial advantages of USAA auto insurance is its competitive rates. This is necessary because it can save you a great deal of cash on your premiums.
  • Excellent credibility. USAA is a popular and reputable company that can offer you peace of mind concerning your protection.
  • Offer numerous discount rates. If you have several cars or are a safe driver, you may be qualified for discount rates on your premium.
  • Have exceptional customer service. If you have any concerns or issues with your policy, their client service agents will more than happy to help you.


  • Only operate in certain states. This suggests that if you move to a different state, you will no longer be able to keep your policy with them.
  • Not cover all of the damages brought on by mishap. This suggests that if your car is totalled, you may not get adequate money from

How Much Does Car Insurance Cost in Clearwater?

Clearwater car insurance rates are a few of the highest in the country, but there are still ways to save. Let’s take a look at the typical expense of car insurance in Clearwater and a few of the very best methods to get cheaper coverage.

How Much Does Average Car Insurance Cost in Clearwater?

The typical expense of car insurance in Clearwater is practically $400 above the nationwide average. The high cost of car insurance in Clearwater is generally due to the high variety of accidents and thefts in the state.

A number of elements impact the cost of car insurance in Clearwater. These consist of the kind of vehicle you drive, your driving record, your age, where you live, and the quantity of coverage you require.

If you’re searching for methods to save money on car insurance in Clearwater, consider raising your deductible, making the most of discount rates, and searching for the best rates.

How to Find the Best Car Insurance in Clearwater?

If you’re looking for the best car insurance in Clearwater, there are a couple of things you’ll want to keep in mind. Initially, consider your requirements and budget. What sort of coverage do you need? How Much can you manage to invest? As soon as you have a great concept of what you’re trying to find, start comparing rates from various insurance companies.

A few fantastic resources can assist you compare rates and discover the very best offer. The Clearwater State Insurance Department’s site lists insurers and their contact info. You can also utilize an online quote comparison tool like The Zebra to get quotes from several insurance providers.

When you’re all set to buy, look around and compare rates before picking a policy. Likewise, guarantee you understand your policy’s terms prior to signing on the dotted line.

Car Insurance Discounts in Clearwater

There are numerous discounts available to Clearwater chauffeurs relating to car insurance. Numerous insurance providers provide a discount for taking chauffeur’s education courses, and there are likewise discount rates available for young motorists who keep great grades in school. In addition, some insurers provide a “pay-as-you-drive” discount rate based upon the amount of driving you do each year.

You may be qualified for numerous discount rates if you have a tidy driving record, including a safe driver discount rate or a great trainee discount rate. Some insurance companies likewise provide discounts for setting up particular safety devices in your vehicles, such as anti-theft or accident avoidance systems. Finally, numerous insurance companies offer loyalty discount rates for customers who have been with the company for a particular duration.

Often Asked Questions

What Are the Different Types of Car Insurance Coverage Offered in Clearwater?

There are various types of best car insurance coverage offered in Clearwater. The most typical types are accident, extensive, liability, and injury defense (PIP). Collision protection spends for damage to your vehicle if you collide with another object. On the other hand, detailed coverage pays for damage to your car from events such as fire, theft, or vandalism. Liability coverage protects you if you are responsible for damages or injuries caused to another person. At the exact same time, PIP spends for medical expenditures and lost earnings if you are injured in a car accident.

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What Are the Minimum Liability Requirements for Car Insurance in Clearwater?

The minimum liability requirements for car insurance in Clearwater are $25,000/$50,000/$10,000. Your insurer will pay up to $25,000 for injuries sustained by a single person in an mishap, $50,000 for injuries sustained by 2 or more individuals in an mishap, and $10,000 for property damage triggered by mishap. However, it is important to keep in mind that these are just the minimum requirements, and you might need greater limitations depending upon your scenario.

How Can I Get the Best Deal on Car Insurance in Clearwater?

You can do a few things to get the best offer on car insurance in Clearwater. One is to look around and compare rates from different companies. Another is to make the most of discounts that might be readily available, such as a good motorist discount or a discount for having numerous policies with the exact same business. You can also raise your deductible to reduce your premium.

What Other Factors Should I Consider When Shopping for Car Insurance in Clearwater?

When searching for the best car insurance companies in Clearwater, you ought to consider other factors, such as your vehicle type, driving history, and circumstances. For instance, if you reside in an location with a high criminal activity rate, you might want to purchase detailed protection to protect your vehicle from theft or vandalism. If you have a poor driving history, you may want to purchase higher limitations of liability protection.

What is the very best Car Insurance in Clearwater?

When it pertains to car insurance, there is no one-size-fits-all answer. The very best car insurance for you will depend on a number of factors, including your driving record, the value of your car, and your budget plan.

That stated, some insurance companies are cheaper than others in Clearwater. Based upon our research study, the three most cost effective car insurance companies in Clearwater are Geico, Progressive, and State Farm.

Geico is the largest auto insurance company in the United States and provides a range of discounts, consisting of for great drivers and members of particular expert companies.

Progressive is another large insurance provider with a wide variety of discounts for safe motorists and those who sign up for automatic payments.

State Farm is the largest supplier of house owners’ insurance in the United States and also provides auto insurance. It provides a range of discount rates, consisting of for safe motorists and good trainees.

Is Car Insurance Required in Clearwater?

Yes, car insurance is needed in Clearwater. All chauffeurs in Clearwater need to have liability insurance, which covers damages to other people and home in case of an mishap. You should also have uninsured/underinsured vehicle driver protection, which protects you if you’re hit by a driver who does not have insurance or doesn’t have sufficient insurance to cover your damages.

How Much Car Insurance Do I Need in Clearwater?

Clearwater law requires all motorists to have car insurance. The minimum protection you must purchase is $25,000 for physical injury liability per person, $50,000 for physical injury liability per accident, and $10,000 for property damage liability per accident. Nevertheless, these are just the minimum amounts required by law. You may want to acquire more than the minimum limits to secure yourself financially.

Can Bad Credit Affect the Cost of My Car Insurance?

Numerous think their credit report will not impact their car insurance rates, however this is not constantly the case. In Clearwater, insurance companies can utilize your credit information when determining your premium. This practice is called “credit-based insurance scoring” and can substantially impact your car insurance cost.

If you have a bad credit history, you might be viewed as a high-risk driver and be required to pay a greater premium. On the other hand, if you have a excellent credit rating, you might be eligible for discount rates and may end up paying less for your car insurance.

All insurance providers do not use credit-based insurance scoring in Clearwater, so it’s essential to shop around and compare rates from numerous companies before selecting a policy. Make sure to ask each insurance provider if they use credit information when setting rates and how it could affect your premium.

Why is Car Insurance Expensive in Clearwater?

Clearwater car insurance rates are costly since of the high cost of living in the state. Clearwater need to pay more for gas, repair work, and other car-related expenditures than individuals in other states. The Clearwater spends about $2,200 a year on car insurance, almost double the nationwide average.

There are a couple of reasons why car insurance is so pricey in Clearwater. One reason is that the state has a great deal of densely inhabited locations. This implies that there are more cars on the roadway and more chances for mishaps to happen. Clearwater likewise has numerous traveler attractions, indicating out-of-state chauffeurs are more likely to enter accidents.

Another reason car insurance is costly in Clearwater is that the state needs all drivers to carry injury security (PIP) protection. PIP pays for medical expenditures and lost earnings if you’re hurt in an accident. It’s needed in most states, but Clearwater’s PIP protection is amongst the most thorough and costly in the nation.

If you live in Clearwater or are thinking about moving there, comparing car insurance rates from various companies before buying a policy is important. The rates can differ significantly from business to business, so it pays to look around. You can utilize our tool listed below to compare rates from various companies and discover the very best deal for your situation.

Why Do Car Insurance Rates Vary by Company and Driver?

There are lots of elements that insurance companies take into consideration when setting rates, consisting of the chauffeur’s age, gender, driving history, and the type of car being insured. Nevertheless, the most critical elements are company-specific underwriting criteria and claims experience.

Underwriting is the insurance company’s procedure to decide whether to accept or turn down a potential customer. Each business has various underwriting requirements, so some may be more going to guarantee high-risk motorists than others. Claims experience is another essential element that can cause rates to differ from business to company. If an insurance company has actually had a great deal of claims submitted versus it in a particular state or for a specific kind of vehicle, it might charge higher rates to offset its losses.

The very best method to identify which company has the very best rates for you is to shop around and compare quotes from numerous insurance providers. Make sure you’re comparing apples to apples by getting quotes for the exact same level of protection from each company. And don’t forget to inquire about any discounts that might be readily available.

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