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Cheapest Car Insurance Rates in Clearwater, florida

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Driving Conditions in Clearwater, florida

At White Chip Insurance we understand the importance of finding the best carriers for our clients.

105Rainy Days a Year
51 in.Average Annual Rainfall
0 in.Average Annual Snowfall

Clearwater, florida Car Insurance Rates by Provider

With a variety of car insurance providers to choose from in Clearwater, Florida, such as Geico, Progressive, State Farm, Allstate, and USAA, it is crucial to compare rates and coverage options to ensure you are receiving the best policy possible. White Chip Insurance has existing relationships with each of these carriers and is able to ensure you will be quoted the cheapest car insurance rates in all of Clearwater.

ProviderAverage Annual Rate
State Farm$1,840

Clearwater, florida Car Insurance Rates by Age

In Clearwater, Florida, car insurance rates can vary depending on the age of the driver. Most insurance companies require younger drivers to pay higher premiums than older drivers because of the risk that is associated with new drivers. White Chip Insurance is committed to providing fair insurance rates to all drivers, despite their age.

AgeAverage Annual Rate

Clearwater, florida Car Insurance Rates by Gender and Marital Status

Although most insurance companies in Clearwater are not gender biased when determining rates, it can still happen. There are laws against gender biases, but you will often still find that female drivers pay slightly more than married drivers, and widowed or divorced drivers will pay slightly more than single and married drivers. White Chip Insurance will be an ally in the process of finding the best insurance policy for you and will work through these biases to find the one that is most affordable.

Gender and Marital StatusAverage Annual Rate

Clearwater, florida Car Insurance Rates by Driving Record

Driving records are a huge consideration for insurance companies when it comes to determining rates. A clean driving record can lend discounts and lower premiums, while a faulty driving record can, in some cases, double the cost. On average, Clearwater, Florida offers a rate of $1,405 for a clean driving record and can go as high as $4,093 for a faulty driving record.

Driving RecordAverage Annual Rate
Reckless Driving$4,093
At-fault Accident (damages less than $1,000)$3,677
At-fault Accident (damages greater than $2,000)$3,677
Speeding Ticket (16-20mph over speed limit)$3,365

Clearwater, florida Car Insurance Rates by Credit Score

Credit score is often taken into consideration when determining car insurance rates. Generally, the higher the credit score, the lower the car insurance rates. Since car insurance companies take into account an individual's financial history when determining rates, those with higher credit scores may be seen as more responsible and therefore may be able to access lower rates.

Low credit score? No worries - White Chip Insurance is dedicated to providing the cheapest car insurance rates in Clearwater, Florida to drivers of all credit scores. Contact us today to learn more.

Credit ScoreAverage Annual Rate
300 - 570$5,302
580 - 669$3,291
670 - 739$2,685
740 - 799$2,433
800 - 850$2,160

Cheapest Area Codes in Clearwater, florida

Clearwater, Florida car insurance can be more expensive depending on where the company is located and if it's in close proximity to affluent amenities. If the surrounding area has safe neighborhoods, top-tier education options, and/or elite job opportunities, the insurance rates can be affected. The most expensive zip code in Clearwater, Florida is 33767 with an average home value of $865,000, and the least expensive zip code is 33759 with an average home value of $285,000.

Most Expensive Clearwater, florida ZIP Codes

33755, 33756, 33759, 33763, 33765

Least Expensive Clearwater, florida ZIP Codes

33760, 33761, 33762, 33764, 33767

Local Amenities in Clearwater, florida

Our team and main headquarters is located in Tampa, Florida. We have a staff of 13 licensed insurance agents that have been in the Tampa, Florida insurance business for several years. Check out some of Tampa’s most notable local amenities below.

Clearwater, florida Car Insurance FAQs

Below you’ll find answers to some frequently asked questions regarding florida Car Insurance.

What is the average cost for car insurance in Florida?

According to the Insurance Information Institute, the average cost of car insurance in Florida is $2,309 per year. The most expensive car insurance is found in the city of Miami, with an average annual cost of $3,764. The least expensive city is Punta Gorda, with an average annual cost of $1,698. The average cost of car insurance in Clearwater is $2,685.

Why is car insurance so expensive in Florida?

Car insurance is expensive in Florida because the state runs a high risk of natural disasters, such as hurricanes and floods, as well as a high rate of car theft. Additionally, Florida is a no fault state, meaning that drivers are personally responsible for their own medical expenses regardless of who is at fault in an auto accident. All of this leads to an increase in the cost of various insurance rates in the state of Florida.

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How much is car insurance near Clearwater, FL?
OcalaMiamiFort Lauderdale
OrlandoSt. PetersburgHialeah
HollywoodCape CoralPembroke Pines
Port St. LucieMiami GardensGainesville
Coral Springs Lehigh AcresPalm Bay
Pompano BeachWest Palm BeachMiramar
LakelandDavieBoca Raton
SunriseSpring HillPlantation
AlafayaFort MyersLargo
BrandonPalm Coast

Find the Cheapest Car Insurance Rates