For a 40-year-old driver with a clean record, car insurance in Clearwater, FL, averages about $367 a month ($4,406 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 11% above the Florida average of $331 a month. Full-coverage averages in Clearwater run from about $206 to $506 a month across the four major insurers we compared (Allstate, GEICO, Progressive and Travelers).
Clearwater is one of the less expensive parts of Pinellas County for our benchmark driver: at about $367 a month, it’s below the county average of $374 and about $14 a month less than St. Petersburg. See how it compares statewide on our Florida car insurance rates page.
To compare Clearwater auto insurance quotes by ZIP code, use the table below. We price nine ZIP codes with a Clearwater mailing address, from about $357 a month in 33756 to $379 in 33759. Clearwater Beach has its own mailing name, so it isn’t included.
Cost data comes from the auto rates insurers file with state regulators, priced across all nine Clearwater ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
Full coverage in Clearwater averages $4,406 a year, or about $367 a month, for our benchmark driver. Liability-only coverage at 15/30/10 limits averages $1,745 a year ($145 a month), and 50/100/50 liability with comprehensive and collision averages $3,669 ($306 a month).
Travelers’ Clearwater average, about $206 a month, is 32% below GEICO’s ($301), a lead wide enough that we show the range instead of naming a single cheapest insurer. Among the published 2026 statewide Florida rate studies we reviewed, there is no agreement on the cheapest insurer for full coverage. Of the eight that rank insurers, three name State Farm, three name GEICO and two name Travelers. For liability-only coverage at 15/30/10 limits, Travelers has the lowest average among the four major insurers we compared, at about $97 a month, with GEICO close behind at $104.
Full-coverage averages by insurer in Clearwater
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 15/30/10 (Yearly): | Liability Only 15/30/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Travelers | $1,168 | $97 | $2,468 | $206 |
| GEICO | $1,246 | $104 | $3,610 | $301 |
| Allstate | $1,864 | $155 | $5,475 | $456 |
| Progressive | $2,704 | $225 | $6,071 | $506 |
| State Farm (Nov. 2025 rates)* | $1,314 | $110 | $2,801 | $233 |
| United Automobile Insurance* | $2,490 | $208 | $3,433 | $286 |
| Nationwide* | $2,005 | $167 | $3,991 | $333 |
| Mercury Insurance* | $1,381 | $115 | $4,428 | $369 |
| Farmers* | $1,852 | $154 | $5,686 | $474 |
| National General* | $2,114 | $176 | $5,985 | $499 |
| Clearwater average | $1,745 | $145 | $4,406 | $367 |
This table uses Clearwater ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.
Across the nine Clearwater ZIP codes we price, full coverage for our driver ranges from about $357 a month in 33756 to $379 in 33759, a gap of $263 a year. All nine are within about $22 a month of each other, so the insurer you choose matters far more than where in Clearwater you live.
Lowest-priced Clearwater ZIP codes
Highest-priced Clearwater ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Clearwater’s average.
| ZIP Code: | Liability Only 15/30/10 (Yearly): | Liability Only 15/30/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 33755 | $1,706 | $142 | $4,317 | $360 | -2% |
| 33756 | $1,691 | $141 | $4,281 | $357 | -3% |
| 33759 | $1,805 | $150 | $4,544 | $379 | +3% |
| 33760 | $1,787 | $149 | $4,477 | $373 | +2% |
| 33761 | $1,767 | $147 | $4,461 | $372 | +1% |
| 33762 | $1,723 | $144 | $4,387 | $366 | About average |
| 33763 | $1,754 | $146 | $4,428 | $369 | +1% |
| 33764 | $1,767 | $147 | $4,446 | $371 | +1% |
| 33765 | $1,709 | $142 | $4,312 | $359 | -2% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $737 a year on average in our Clearwater data, with the same $500 deductibles. That’s about $61 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
Not for our benchmark driver. Comparing the three insurers that are in both sets of rates, in the same Clearwater ZIP codes, their full-coverage average fell from $5,681 a year nine months earlier to $5,052 in rates as of Aug. 31, 2026, an 11.1% drop. Progressive’s Clearwater average dropped 19.6%, GEICO’s 5.6% and Allstate’s 3.3%. Travelers is new in our rates over the past nine months, so it’s left out, which is why these averages differ from the Clearwater average above. State Farm’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 15/30/10 limits fell 10.9%, led by Progressive, which cut its liability-only average 16.7%.
Pinellas County averages about $374 a month for full coverage, the fifth-most expensive of the 66 Florida counties we price. Around Clearwater, Largo, to the south, averages about $363 a month, and Dunedin, to the north, and Safety Harbor, to the east, about $368 each.
Travelers’ Clearwater average is far below the other three insurers’: about $206 a month, compared with $301 for GEICO, $456 for Allstate and $506 for Progressive, for the same driver and car.
More Florida cities and towns are in the Florida rates by city table, and you can compare states on our car insurance rates by state page.
St. Petersburg, about 17 miles southeast, averages $381 a month and Tampa, about 20 miles east across Old Tampa Bay, $411. Spring Hill, about 37 miles north, averages $346.
Drivers in Clearwater follow Florida’s rules. Every vehicle registered in Florida must carry at least:
Bodily injury liability isn’t required for most Florida drivers. You need it after certain at-fault injury crashes, at 10/20 with an SR-22 filing for three years, according to the Florida Department of Highway Safety and Motor Vehicles, or after a DUI conviction, at 100/300/50 with an FR-44 filing for at least three years, under Florida Statutes section 324.023. Uninsured motorist coverage comes with any bodily injury liability policy unless you reject it in writing, under section 627.727.
Florida’s no-fault law is still in place. The 2026 bills that would have repealed it, S.B. 522 and H.B. 769, died in committee on March 13, 2026. Our Florida requirements guide covers the no-fault rules and the penalties for letting coverage lapse.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Florida law and the Florida Department of Highway Safety and Motor Vehicles. We refresh these figures when new rate data is released.
For our benchmark driver, full coverage in Clearwater averages about $367 a month ($4,406 a year) and liability-only coverage at 15/30/10 limits about $145 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 11% above the Florida average of $331 a month.
It depends on the coverage. For full coverage, averages in Clearwater run from about $206 to $506 a month across the four major insurers we compared, and the gap between the two lowest is too wide for us to call one insurer the cheapest. For liability-only coverage at 15/30/10 limits, Travelers has the lowest average in our Clearwater rate data, at about $97 a month. The published 2026 statewide Florida rate studies we reviewed disagree on which insurer is cheapest for full coverage: of the eight that rank insurers, three put State Farm first, three GEICO and two Travelers. Rates vary by driver, so compare quotes for your own car and ZIP code.
Clearwater, for our benchmark driver. Clearwater full coverage averages about $367 a month and St. Petersburg about $381, a difference of about $14 a month for the same driver and car.
In our data, 33756 has the lowest full-coverage average in Clearwater, at about $357 a month, and 33759 the highest, at about $379. The ZIP code table on this page lists all nine.
In our Clearwater data, full coverage (100/300/100 with $500 deductibles) averages about $367 a month and liability-only coverage at 15/30/10 limits about $145, a difference of about $222 a month ($2,661 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Florida law doesn’t require full coverage, but a lender or leasing company may.
Not for our benchmark driver. Comparing the three insurers in both sets of rates (Travelers is new over the past nine months), their Clearwater full-coverage average fell 11.1%, from about $5,681 to $5,052 a year. That’s higher than the Clearwater average of $4,406 because it leaves out Travelers. Progressive cut its Clearwater average 19.6%, GEICO 5.6% and Allstate 3.3%. Liability-only coverage at 15/30/10 limits fell 10.9%.
For our benchmark driver, full coverage in Clearwater averages about $367 a month. Nearby, St. Petersburg averages about $381, Tampa about $411 and Spring Hill about $346. Spring Hill is cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
