Expertise.com
2024

Last updated:

Best Local Car Insurance Agencies in Clearwater

Our Recommended Top 15

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Clearwater Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

78

Reviewed

52

Curated

15

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
10014 Grove Drive, Port Richey, FL 34668
  • Multiple Carriers

Why choose this provider?

Barrett Harding Insurance is a local and multi-generational insurance company with over 80 years of experience in the industry. It serves residents of Clearwater and the surrounding areas. The company creates customized auto insurance to meet the needs of its customers. The auto insurance package offers options for collision and comprehensive coverage, liability coverage, and roadside assistance. It also provides coverage for extra expenses and lease gaps. Barrett Harding Insurance also offers home, pet, businesses, and life insurance policies.

License Verified:

License: L076253

Florida Division Of Insurance Agent And Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (106)
Facebook
5.0 / 5 (40)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
2.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
12807 West Hillsborough Avenue, Tampa, FL 33635

Why choose this provider?

Belyann Valdes Hawkins is a local insurance agent that represents State Farm Insurance in Tampa and the nearby Clearwater metro. She specializes in auto, property, and life insurance lines. She is also a member of the Hispanic Chamber of Commerce in Tampa and caters to Spanish-speaking clients. Her agency writes comprehensive auto insurance policies for clients that provide collision coverage and comprehensive coverage for vehicles. She also serves the community as a Lowry Elementary PTA Member.

License Verified:

License: W331081

Florida Division Of Insurance Agent And Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (53)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
12421 North Florida Avenue, Tampa, FL 33612
  • Multiple Carriers

Why choose this provider?

Offering assistance to all aspects of Clearwater's insurance needs, Star Insurance Quotes provides a wide range of insurance products for the residents throughout Tampa. The family-owned insurance agency provides coverage for home, health, and auto insurance. Its agents also specialize in assisting teen drivers and clients with poor credit and cases in their driving history such as accidents. Star Insurance Quotes has been in the insurance industry for over two decades.

License Verified:

License: L094121

Florida Division Of Insurance Agent And Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
3.8

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
25191 US Highway 19 North, Clearwater, FL 33763
  • Boats
  • Motorcyle & ATV

Why choose this provider?

Located in Clearwater, Dimmitt Insurance has been helping people acquire insurance for their investments since 1924. One of the insurance policies the agency offers is auto insurance from various trusted providers. Its agents can give its clients quotes on policies that already have liability and comprehensive coverages. They also focus on presenting the options with the most competitive rates. Led by Nikki Bassil, Dimmitt Insurance also offers motorcycle, boat, and marine insurance as well as policies under personal and business insurance.

License Verified:

License: L086533

Florida Division Of Insurance Agent And Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
5.0 / 5 (52)
Facebook
5.0 / 5 (11)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
13035 West Linebaugh Avenue, Tampa, FL 33626
  • RV & Motorhome
  • Motorcyle & ATV

Why choose this provider?

Cornerstone Insurance is a local and family-owned business that offers auto insurance products and services to individuals and families in Clearwater and the nearby areas. It is an independent agency that represents more than 40 insurance carriers. Its insurance specialists assist clients in customizing insurance plans that fit their budget and needs. Founded by Joshua Butts, Cornerstone Insurance believes that every client deserves a company that embodies integrity, honesty, professionalism, and passion in serving the community.

License Verified:

License: L061107

Florida Division Of Insurance Agent And Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Facebook
4.8 / 5 (16)
Yelp
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
10014 Grove Drive, Port Richey, FL 34668
  • Multiple Carriers

Why choose this provider?

Active since 1972, Blackwell Insurance is an insurance company that serves clients in and around Clearwater. The company provides auto insurance plans to pay for unexpected expenses like road service or car collisions. It meets with clients to examine their vehicle and personal concerns such as repair fees. Blackwell Insurance also recommends policies and review existing ones to find any oversights. This can include coverage for underinsured driver accidents and legal sanctions. The company is partnered with Barrett Harding Insurance.

License Verified:

License: L058822

Florida Division Of Insurance Agent And Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
201 South Pinellas Avenue, Tarpon Springs, FL 34689
  • Multiple Carriers

Why choose this provider?

Coastal Insurance Associates is a family-owned and operated independent insurance agency located in Clearwater and specializes in determining the best coverage based on clients' needs. Serving Floridians for over 50 years, the agency offers auto insurance that covers a wide variety of coverage against damages and liabilities. Its professional team has a combined industry experience of over 100 years, and also offers other insurance solutions such as homeowners, business, umbrella, and life.

License Verified:

License: L063615

Florida Division Of Insurance Agent And Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.3 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
2.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1452 Court Street, Clearwater, FL 33756
  • Bundling Option

Why choose this provider?

Bay Area Insurance Shop is a locally owned and independent agency in Clearwater that offers auto insurance products and services to individuals and businesses in the nearby areas. For more than 20 years in the industry, it has been representing various insurance carriers to provide customized insurance plans suited to the clients' needs and budget. These plans protect individuals against damages and financial liabilities resulting from an accident, including property, medical, liability, collision, and comprehensive coverages.

License Verified:

License: L089230

Florida Division Of Insurance Agent And Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (50)
Facebook
5.0 / 5 (21)
Yelp
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
918 South Missouri Avenue, Clearwater, FL 33756
  • Multiple Carriers
  • Motorcyle & ATV
  • Boats
  • RV & Motorhome

Why choose this provider?

Gotta Havit Auto Insurance represents over 35 insurance companies that provide protection plans to car owners and vehicles in Clearwater. The agency safeguards clients from roadside troubles and car accidents with personalized insurance policies. Its agents can provide insurance quotes 24 /7. They also evaluate clients' specific needs and connect them with multiple carriers. Gotta Havit Auto Insurance has four agents on board and has been providing insurance assistance since 2003.

License Verified:

License: L051153

Florida Division Of Insurance Agent And Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (134)
Facebook
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
4831 Ruen Drive, Palm Harbor, FL 34685
  • Multiple Carriers

Why choose this provider?

Coleman Insurance Agency is a family-owned and operated, full-service agency that offers car insurance solutions to its clients in Clearwater. Being an independent agency, the company always has its clients' best interests in mind when providing advice on insurance options. In addition to standard car insurance, Coleman Insurance Agency also offers car insurance for a single or a whole fleet of business automobiles. Some of its top-rated and trusted partner insurers are Foremost, Bristol West, Mapfre, and Leland West.

License Verified:

License: L092591

Florida Division Of Insurance Agent And Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.9 / 5 (86)
Facebook
4.6 / 5 (31)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
3438 Colwell Avenue, Tampa, FL 33614
  • Multiple Carriers

Why choose this provider?

Commercial Insurance Specialists, LLC, is an insurance agency that serves the residents of Clearwater and the rest of Tampa. Backed with 25 years of experience in the industry, the company assists clients with different types of coverage lines involving automobiles, boats, yachts, and recreational vehicles. The team also works with businesses to provide commercial automobile coverage and workers' compensation insurance. Commercial Insurance Specialists, LLC, supports community organizations including Goodwill Industries Suncoast, Jesuit High School, and Chi Chi Rodriguez Foundation.

License Verified:

License: L075223

Florida Division Of Insurance Agent And Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (9)
Facebook
5.0 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
13119 West Linebaugh Avenue, Tampa, FL 33626
  • Multiple Carriers

Why choose this provider?

Reliant Insurance Services is an independent insurance agency in Tampa, serving Clearwater and the entire state of Florida. It helps motorists acquire auto insurance coverage by presenting them with quotes from a wide range of insurance providers to suit their specific needs and preferences. Among the most important types of insurance coverages that a client’s policy includes are collision, comprehensive, property damage, and liability. Reliant Insurance Services also provides life homeowners, disability, flood, and pet health insurance.

License Verified:

License: L097080

Florida Division Of Insurance Agent And Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (233)
Facebook
5.0 / 5 (34)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3980 Tampa Road, Oldsmar, FL 34677
  • Bundling Option

Why choose this provider?

Vasquez Insurance Agency Inc. is an independent insurance agency founded to combat consumers' frustrations stuck with a single option when shopping for insurance products. The agency adopts the independent agency model and has access to dozens of insurance providers to provide quotes for any personal or business insurance needs. It writes auto insurance policies that protect clients from significant financial losses caused by traffic accidents. Vasquez Insurance Agency is located in Oldsmar and also operates in the nearby Clearwater metro.

License Verified:

License: L050028

Florida Division Of Insurance Agent And Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1465 South Fort Harrison Avenue, Clearwater, FL 33756
  • Multiple Carriers

Why choose this provider?

Simmons Insurance is a car insurance agency serving drivers in Clearwater and the surrounding areas. The local agency's insurance agents offer auto insurance policies that contain liability, personal injury protection (PIP), and uninsured/underinsured motorist (IM) coverages. They also have supplemental options for rental cars and roadside assistance. The team at Simmons Insurance educates clients on the insurance buying process. They provide clear answers to questions and they explain concepts and coverages in a detailed and understandable manner.

License Verified:

License: A243347

Florida Division Of Insurance Agent And Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (56)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3031 East Lake Road, Palm Harbor, FL 34685
  • Bundling Option

Why choose this provider?

Lizette Cochran is a State Farm insurance agent that has been providing insurance policy services for 30 years. Cochran and her team have over 100 years of experience in the industry. She is a resident of Lansbrook and her agents are local residents, offering car insurance plans to clients in Clearwater and nearby areas. They also assist in reviewing clients' life insurance policies. Cochran has team members who can cater to Spanish-speaking clients.

License Verified:

License: L062943

Florida Division Of Insurance Agent And Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (60)
Facebook
5.0 / 5 (19)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • Do you have to buy car insurance before registering your vehicle in Clearwater?

    Yes, even before registering your vehicle with at least four wheels in Clearwater, you must have Personal Injury Protection (PIP) and Property Damage Liability (PDL) auto insurance, which you must present as proof of registration. Make certain that you purchase your insurance policy from a company that is authorized to do business in Florida.

  • How much is the required minimum auto insurance coverage in Clearwater?

    In Clearwater, the minimum required auto insurance coverage is PIP worth $10,000 per person, per accident, and PDL worth $10,000 per accident. Because these mandatory minimums may not be sufficient in some situations, you should consider purchasing additional coverage, such as uninsured or underinsured motorist coverage (UM), bodily injury liability (BIL), and comprehensive and collision coverage.

  • Can you cancel your auto insurance if you are moving out of Clearwater and to another state?

    Do not cancel your auto insurance in Clearwater until you have successfully registered your vehicle in the state where you are moving. In addition, you must turn in all valid plates or registrations to a Florida driver's license and motor vehicle service center or a tax collector's office. You should also ask your insurance company if they can change your coverage to your current state of residence once you have changed your registration.

  • Will you go to jail if you fail to maintain the required auto insurance coverage in Clearwater?

    No, you will not go to jail if you do not maintain the required auto insurance coverage in Clearwater. However, you could still face serious consequences, such as losing your driver's license or registration for up to three years. You will also be charged a reinstatement fee of up to $500.

  • Will you get better car insurance rates in Clearwater if you have a good credit score?

    If you have good credit, you have a better chance of getting lower Clearwater car insurance rates because insurance companies consider people with good credit to be more responsible with money and less likely to file insurance claims. The value of your car and your driving record are two other factors that can influence your auto insurance rate.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.