Best Largo, Florida Auto Insurance in 2024
The average Largo, FL auto insurance rates are $439 per month. The minimum auto insurance in Largo is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in Largo, Florida, compare quotes from multiple companies.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Sep 11, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 11, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The minimum auto insurance required in Largo, Florida is 10/20/10
- The average commute length in Largo is 24.4 minutes
- The most expensive auto insurance company in Largo for teen drivers is Allstate
Largo, Florida auto insurance requirements are 10/20/10 according to Florida auto insurance laws. Finding cheap auto insurance in Largo can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Largo, Florida, including driving record, credit, commute time, and more.
Compare auto insurance in Largo to other Florida cities, including St. Petersburg auto insurance rates, Orlando auto insurance rates, and Cape Coral auto insurance rates to see how Largo, Florida auto insurance rates stack up.
Before you buy Largo, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Largo, Florida auto insurance quotes.
Minimum Auto Insurance in Largo, Florida
Largo, Florida auto insurance laws require that you have at least the Florida minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance 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 |
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Cheap Largo, Florida Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Largo, Florida are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| 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 |
Cheap Largo, Florida Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Largo, Florida is a challenge. Take a look at the annual teen auto insurance rates 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 |
Cheap Largo, Florida Auto Insurance for Seniors
What are senior auto insurance rates in Largo, Florida? Take a look at the annual average rates for older drivers.
| 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 |
Cheap Largo, Florida Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Largo, Florida compared to the annual auto insurance rates with a clean record in Largo, Florida.
| 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 |
Cheap Largo, Florida Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Largo, Florida is not easy. Compare the annual rates for DUI auto insurance in Largo, Florida to find the best deal.
| Insurance Company | Annual Auto 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 |
Cheap Largo, Florida Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Largo, Florida annual auto insurance rates by credit history compare.
| 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 |
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Cheap Largo, Florida Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Largo, Florida can vary. Compare the annual cost of auto insurance by ZIP code in Largo, Florida to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 33771 | $4,077 |
| 33773 | $4,045 |
| 33774 | $4,021 |
Cheap Largo, Florida Auto Insurance Rates By Commute
Commute length and annual mileage affect Largo, Florida auto insurance. Find the cheapest annual Largo, Florida auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 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 |
Cheap Largo, Florida Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Largo, Florida? Check out the comparison of annual Largo, Florida auto insurance rates by coverage level.
| 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 |
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Best By Category: Cheapest Auto Insurance in Largo, Florida
Compare the cheapest auto insurance companies in Largo, Florida in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
The Cheapest Largo, Florida Auto Insurance Companies
What auto insurance companies in Largo, Florida are the cheapest? Compare the top Largo, Florida auto insurance companies to find the best annual rates.
| 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 |
What affects auto insurance rates in Largo, Florida?
There are a lot of reasons why auto insurance rates in Largo, Florida are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Largo, Florida. Many local factors may affect your Largo auto insurance rates.
Largo Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Largo, Florida auto theft statistics, there have been 185 auto thefts in the city.
Largo Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Largo, Florida commute length is 24.4 minutes according to City-Data.
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Compare Largo, Florida Auto Insurance Quotes
Before you buy Largo, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Largo, Florida auto insurance quotes.
Frequently Asked Questions
What are the minimum auto insurance requirements in Largo, Florida?
The minimum auto insurance requirements in Largo, Florida, according to Florida auto insurance laws, are 10/20/10 coverage. This means you must have at least $10,000 in bodily injury liability coverage per person, $20,000 in bodily injury liability coverage per accident, and $10,000 in property damage liability coverage.
How does age, gender, and marital status affect auto insurance rates in Largo, Florida?
Age, gender, and marital status can impact auto insurance rates in Largo, Florida. Generally, younger drivers, male drivers, and single drivers tend to have higher insurance rates. Insurance companies consider these factors as indicators of risk and may charge higher premiums based on statistical data.
What are the average auto insurance rates for teen drivers in Largo, Florida?
Finding cheap auto insurance for teen drivers in Largo, Florida can be challenging. The average annual auto insurance rates for teen drivers in Largo, Florida tend to be higher compared to other age groups due to their lack of driving experience. It’s recommended to compare quotes from multiple companies to find the best rates.
How do driving records affect auto insurance rates in Largo, Florida?
Driving records play a significant role in determining auto insurance rates in Largo, Florida. A clean driving record with no accidents or violations can result in lower insurance premiums, while a history of accidents, tickets, or DUI convictions may lead to higher rates. Insurance companies assess the risk associated with a driver’s past behavior.
How does credit history impact auto insurance rates in Largo, Florida?
Credit history can have a significant effect on auto insurance rates in Largo, Florida. Insurance companies may use credit-based insurance scores to assess risk and determine premiums. Generally, individuals with good credit tend to receive lower insurance rates, while those with poor credit may face higher premiums. It’s important to maintain a good credit score to potentially save on auto insurance.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.