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Get Cheap Car Insurance in Largo, FL
We monitor insurance prices, helping the average driver in Largo save up to 34.6% on car insurance.
The Cheapest Minimum Coverage in Largo
The chart below shows the cheapest car insurance company in Largo for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Geico, followed by State Farm, Gainsco, and Bristol West.
| Largo Insurer | Monthly Cost |
|---|---|
| Geico | $134 |
| State Farm | $142 |
| Gainsco | $185 |
| Bristol West | $185 |
Savings for Every Kind of Largo Driver
Based on our extensive insurance data, we know the average Largo driver will save about 29% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $820 per year by choosing the right vehicle insurance company. Some Largo residents are paying out over $2,801 extra every year for auto insurance in Largo. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Largo, FL Savings / Yr. |
|---|---|
$820 |
|
$1,203 |
|
$926 |
|
$916 |
|
$2,910 |
|
$795 |
|
$1,159 |
Largo Car Insurance vs. Florida
People living in Largo pay an average of 6.03% more than the typical driver in the state. The average driver in Largo can expect to pay about $2,557 per year, or $2,801 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Largo for most people.
Car Insurance Prices by Largo Neighborhood
Insurance Prices
Where is insurance cheapest within Largo?
The map shows insurance prices in and around Largo, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $689 per year within the city boundaries, with insurance premiums ranging from a high of $3,197 to a low of $2,508. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the South parts of Largo.Pick the Best Car Insurance Company for You in Largo
The best car insurance provider for most drivers in Largo
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $820 over the average Largo car insurance company.
The best car insurance provider for Largo drivers with accidents on their records
In our analysis, Geico saved the average person who had been in an accident the most, with annual savings averaging $1,203 over the competition.
The best car insurance company for Largo drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $926 better than other car insurance companies.
The best auto insurance for Largo drivers with a DUI conviction
Getting a quote from Geico may cost the average person with a DUI about $916 less each year.
The least expensive car insurance company for new and young drivers in Largo
In Largo, Geico costs young drivers $2,910 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Largo
Geico gave the largest car insurance discounts to married couples, averaging $795 saved each year compared to an average Largo couple's premiums.
The cheapest car insurance in Largo for drivers with bad credit
The best Largo car insurance company for customer service
Recent price drops
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The cheapest large national provider in Largo
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Largo driver can expect to pay about $156 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Largo, USAA has the best prices for good drivers, drivers with accidents, and drivers with speeding tickets.Auto Insurance Prices in and Around Largo
What Influences the Cost of Car Insurance in Largo?
On average, car insurance in Largo is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- Florida state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Largo are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of B according to CrimeGrade.org.
- Largo has an average population density in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Largo is $213 per month for minimum coverage and $233 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Belleair Bluffs: Insurance costs 1.57% less
- Belleair: Insurance costs 1.11% less
- Bardmoor: Insurance costs 3.21% less
- South Highpoint: Insurance costs 5.86% more
- Seminole: Insurance costs 0.68% less
- Belleair Beach: Insurance costs 0.25% less
- Indian Rocks Beach: Insurance costs the same
- Clearwater: Insurance costs 1.54% more
- Pinellas Park: Insurance costs 1.64% less
- Indian Shores: Insurance costs 0.86% more
Cities with Similar Populations
- East Los Angeles: Insurance costs 14.10% less
- El Monte: Insurance costs 15.60% less
- Edinburg: Insurance costs 34.27% less
- Evanston: Insurance costs 37.92% less
- Evansville: Insurance costs 55.98% less
- Erie: Insurance costs 49.45% less
- Elkhart: Insurance costs 56.59% less
- Eugene: Insurance costs 45.77% less
- Easton: Insurance costs 47.73% less
- Denham Springs: Insurance costs 15.78% more