Just west of Tampa, you will find the beautiful city of Clearwater, a destination of choice for vacationers nationwide. If you are lucky enough to call Clearwater home, you probably already know that this city is truly special. With picturesque sunsets at Pier 60, summer festivals and jazz concerts, and some of the country’s best street performers, this city is truly a remarkable place to live. Unfortunately, all the opportunities for fine dining and adventure also mean a steady stream of traffic to navigate, so make sure you are covered with the best Clearwater car insurance before you get behind the wheel.
When you are shopping for auto insurance in Clearwater, FL, you have several options to consider. Whether you opt for minimum coverage limits and basic liability or you choose a more comprehensive policy, the prices can vary widely. Our Independent Insurance Agents can help you find the best rates by quoting rates from multiple insurers in one convenient place. Our experienced agents can walk you through the options and help you find the right coverage for your lifestyle and budget.
- National average cost per year: $1,311
- Florida average cost per year: $1,742
- 5th most expensive auto premium in the U.S.
In a state-by-state comparison, Florida has some of the most expensive car insurance rates in the nation. The good news is that you can save money on your Clearwater auto insurance by capitalizing on discounts for safe driving, green vehicles or security systems. Our experienced agents can help you find the best rates without sacrificing on coverage.
Florida Car Insurance Requirements
- Body injury liability: required
- Property damage reliability: required
- Personal injury protection (PIP): required
- Uninsured motorists protection: not required
- Minimum liability limits: 10/20/10
All drivers in Florida are legally required to carry minimum coverage of $10,000 for individual bodily injury, $20,000 for all injuries in an accident and $10,000 for property damage per accident. While you only have to purchase the minimums, it really pays, in the long run, to have as much coverage as you can afford. If you get into an accident and the expenses are more than your coverage limits, you will have to pay the difference out of pocket. Talk to your agent about what coverage level would best reasonably protect you in an accident.
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Number of Uninsured Motorists in Florida
- Number of uninsured U.S. drivers: 12.6%
- Number of uninsured Florida drivers: 23.80%
A car accident where the party at fault is uninsured can spell disaster for your finances. How would you pay for car repairs? What if your injuries required an extensive hospital stay or even surgery? Consider adding uninsured motorist coverage to your Clearwater car insurance policy to protect you in case of collisions.
Number of Auto Thefts in Florida
- National number of thefts for 1,000 vehicles: 2.94
- Number of thefts for 1,000 vehicles in Florida: 2.48
Even though Clearwater has a low crime rate, auto theft still happens there occasionally. You can protect yourself by locking your car, installing security alarms and parking in well-lit areas. However, there is still a risk that your car could be stolen. If this happens to you, you’ll want the peace of mind that comes with auto theft coverage as part of your Clearwater auto insurance.
Find a Great Clearwater Car Insurance Policy
There are many benefits to living on the picturesque Gulf Coast, and Clearwater is really a dream come true for many homeowners. Just make sure you have protection against a possible accident by having comprehensive Clearwater auto insurance. Our friendly independent insurance agents are always available to assist you. With years of experience in the auto insurance industry, these agents can quote from multiple policies and help you create a personalized Clearwater car insurance plan with all the coverage you need at a price you can afford.
Contact an agent today to get a quote on Clearwater car insurance and to learn more about your coverage options.