Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • Average car insurance rates in Largo, FL are $439/month
  • The cheapest car insurance company in Largo for teen drivers is USAA
  • Average car insurance rates in Largo, FL for senior drivers are $3,173/year

Average car insurance rates in Largo, Florida are $439 a month. But with a little research you can get a great deal from the top car insurance companies in Largo, FL. Before you buy Largo, Florida car insurance, make sure your coverage meets or exceeds the Florida minimum of 10/20/10.

It may even be helpful to compare Largo car insurance rates with Tallahassee car insurance rates, Tampa car insurance rates, or Cape Coral car insurance rates to make sure you’re getting the best Largo, FL car insurance quotes available.

Need affordable Largo, FL car insurance? Enter your ZIP code to compare Largo car insurance quotes from multiple car insurance companies near you.

Largo, FL Minimum Car Insurance Coverage

Largo, Florida law requires drivers carry a minimum of 10/20/10 coverage. Take a look at the breakdown of the minimums here.

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

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Largo, FL Car Insurance Rates by Coverage Level

Some Largo drivers can get by with the Florida minimum coverage of 10/20/10. Other drivers may need more. See how much your Largo, Florida car insurance rates may be based on the coverage you need.

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

Largo, FL Car Insurance Rates by Age, Gender, and Marital Status

Largo, Florida car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Largo, FL car insurance, get quotes from multiple car insurance companies in the Largo area and see how these criteria affect your 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

Largo, FL Car Insurance Rates for Teens

How much is Largo, Florida car insurance for teens? Compare rates from top Largo car insurance companies below to help find the cheapest teen car insurance in Largo, FL.

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

Largo, FL Car Insurance Rates for Seniors

Before seniors buy Largo, Florida car insurance, they should make sure to shop around. Some Largo, FL car insurance companies may offer discounts or other savings options for senior car insurance.

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

Largo, FL Car Insurance Rates by Credit History

How does your credit history affect Largo, FL car insurance rates? Review the numbers here to find out.

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

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Largo, FL Car Insurance Rates by Driver History

How does a single speeding ticket affect your Largo, Florida car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Largo.

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

Largo, FL Car Insurance Rates With a DUI

Even a single DUI can increase your Largo, FL car insurance rates. Compare rates below to see which Largo car insurance company has the best rates for drivers with a DUI.

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

Largo, FL Car Insurance Rates by ZIP Code

Just like Largo car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Largo, FL car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Largo, Florida

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

Largo, FL Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Largo, FL car insurance rates may be. Let’s take a look at average car insurance rates from top Largo companies based on commute time.

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

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Largo, FL Cheapest Car Insurance Rates

How do the top Largo, Florida car insurance companies’ average rates stack up against the Largo average monthly car insurance rates of $439? Take a look and see.

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

Largo, FL Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Largo, Florida car insurance companies to help you find one that best fits 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

Other Factors Affecting Largo, FL Car Insurance Rates

Before you buy Largo, Florida car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Largo, FL Car Theft Rates

The car theft rate in Largo, FL will affect your car insurance rates. FBI data shows that the annual car theft rate for Largo, Florida is 185 stolen cars.

Largo, FL Commute Time

How does your Largo, FL commute time compare with the average driver? In Largo, the average commute is 24.4 minutes.

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Largo, FL Car Insurance Quotes

Compare Largo, FL car insurance quotes from multiple companies by entering your ZIP code now.