Compare Largo, FL Car Insurance Rates (2021)

Car insurance in Largo, FL averages $439 a month. Largo, Florida car insurance requirements are 10/20/10, but you might need full coverage insurance if your car is financed. To find cheap Largo car insurance rates, compare quotes from the top car insurance companies in Largo, FL.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Largo is USAA
  • Average car insurance rates in Largo, FL are $5,267/year
  • The cheapest ZIP code in Largo is 33774

If you need to buy Largo, Florida car insurance, the options can be confusing. Everything you need to know about car insurance in Largo, FL is right here.

You’ll find Largo car insurance rates, the cheapest Largo, FL car insurance companies, and information on Florida car insurance laws. You can also compare Largo, Florida car insurance rates to Port St. Lucie car insurance rates, Hialeah car insurance rates, and St. Petersburg car insurance rates.

Ready to find affordable Largo, FL car insurance today? Enter your ZIP code for fast, free Largo car insurance quotes.

Cheapest Largo, FL Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Largo, FL car insurance rates? Every Largo, Florida car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Largo, Florida

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $5,456 $5,205 $4,772 $4,835 $18,928 $20,630 $5,342 $5,386
GEICO $3,487 $3,502 $3,265 $3,265 $6,232 $7,808 $3,841 $3,892
Liberty Mutual $4,100 $4,100 $3,746 $3,746 $8,809 $13,645 $4,100 $5,612
Nationwide $3,370 $3,326 $3,011 $3,112 $8,128 $10,003 $3,714 $3,863
Progressive $4,037 $3,764 $3,449 $3,695 $11,429 $12,349 $4,816 $4,505
State Farm $2,234 $2,234 $2,033 $2,033 $6,663 $8,525 $2,492 $2,661
USAA $1,851 $1,815 $1,747 $1,722 $6,467 $7,447 $2,303 $2,474

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Minimum Car Insurance in Largo, FL

Every driver must carry the minimum car insurance in Largo, FL. Take a look at the Florida car insurance requirements.

Minimum Required Car Insurance Coverage in Largo, Florida

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $10,000 per person
$20,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Largo, FL Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Largo, FL. Compare credit history car insurance rates in Largo from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Largo, Florida

Insurance Company Poor Fair Good
Allstate $12,408 $7,783 $6,267
GEICO $6,429 $3,888 $2,918
Liberty Mutual $7,745 $5,649 $4,553
Nationwide $6,024 $4,424 $4,000
Progressive $7,815 $5,569 $4,633
State Farm $4,971 $3,227 $2,630
USAA $5,224 $2,582 $1,878

Cheapest Largo, FL Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Largo, FL to rates for a clean record with top companies.

Annual Largo, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $7,594 $9,133 $10,116 $8,435
GEICO $3,070 $3,926 $5,849 $4,800
Liberty Mutual $4,229 $5,579 $8,236 $5,885
Nationwide $4,102 $4,508 $6,091 $4,562
Progressive $4,749 $7,003 $5,915 $6,355
State Farm $3,292 $3,927 $3,609 $3,609
USAA $2,513 $3,120 $4,641 $2,638

Cheapest Largo, FL Car Insurance for Teen Drivers

Teen car insurance in Largo, FL can be expensive. Take a look at rates from the top car insurance companies in Largo for teenagers.

Annual Car Insurance Rates for Teen Drivers in Largo, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $18,928 $20,630
GEICO $6,232 $7,808
Liberty Mutual $8,809 $13,645
Nationwide $8,128 $10,003
Progressive $11,429 $12,349
State Farm $6,663 $8,525
USAA $6,467 $7,447

Cheapest Largo, FL Car Insurance for Seniors

Take a look at Largo, FL senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Largo, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,772 $4,835
GEICO $3,265 $3,265
Liberty Mutual $3,746 $3,746
Nationwide $3,011 $3,112
Progressive $3,449 $3,695
State Farm $2,033 $2,033
USAA $1,747 $1,722

Cheapest Largo, FL Car Insurance Rates After a DUI

A DUI in Largo, FL increases car insurance rates. Compare Largo, Florida DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Largo, Florida

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $10,116
GEICO $5,849
Liberty Mutual $8,236
Nationwide $6,091
Progressive $5,915
State Farm $3,609
USAA $4,641

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Cheapest Largo, FL Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Largo, FL by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Largo, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $8,565 $9,073
GEICO $4,390 $4,433
Liberty Mutual $5,784 $6,181
Nationwide $4,816 $4,816
Progressive $6,005 $6,005
State Farm $3,484 $3,735
USAA $3,191 $3,265

Cheapest Largo, FL Car Insurance Rates by ZIP Code

Largo car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Largo, FL.

Annual Car Insurance Rates by ZIP Code in Largo, Florida

ZIP Code Average Annual Rates
33771 $4,077
33773 $4,045
33774 $4,021

The Best Cheap Car Insurance Companies in Largo, FL

Take a look at a side-by-side comparison of the top car insurance companies in Largo, FL to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Largo, Florida

Insurance Company Average Annual Rates
Allstate $8,819
GEICO $4,411
Liberty Mutual $5,982
Nationwide $4,816
Progressive $6,005
State Farm $3,609
USAA $3,228

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Category Winners: Cheapest Car Insurance in Largo, Florida

Find the cheapest car insurance companies in Largo, FL for each category right here.

Best Annual Car Insurance Rates by Company in Largo, Florida

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

Cheapest Largo, FL Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Largo car insurance rates. Find the cheapest Largo, FL car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Largo, Florida

Insurance Company Low Medium High
Allstate $6,495 $9,345 $10,618
GEICO $3,417 $4,596 $5,222
Liberty Mutual $5,424 $6,093 $6,429
Nationwide $3,634 $5,037 $5,776
Progressive $4,783 $6,177 $7,057
State Farm $3,020 $3,711 $4,097
USAA $2,697 $3,367 $3,621

What affects car insurance rates in Largo, Florida?

What factors can have an impact on Largo, FL car insurance? There are several reasons why Largo car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Largo, Florida.

Car Theft in Largo

High levels of vehicle theft can make car insurance more expensive. Largo, FL car theft statistics from the FBI indicate 185 vehicle thefts a year.

Commute Time in Largo

The more time you spend in your car the higher the risk of an accident. The average commute length in Largo, FL is 24.4 minutes according to City-Data.

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Compare Car Insurance Quotes in Largo, FL

Ready to find affordable Largo, Florida car insurance today? Enter your ZIP code for fast, free Largo, FL car insurance quotes.

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Average Monthly Car Insurance Rates by State