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How much is car insurance in Largo?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $13 a month cheaper to insure your vehicle in Largo than it is in the rest of Florida.
On the flip side, Largo residents will likely pay higher rates for their insurance policy than the rest of the country. The cost of insuring a vehicle in Largo is about $30 more expensive than the average rate for the rest of the U.S.
Although these are the average monthly costs for an auto insurance policy in Largo, that doesn't mean it's exactly what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't sweat it however, we've broken down average rates for Largo residents so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
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Largo Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel, right? When it comes to auto insurance rates, that experience can help put some change back into your pocket. According to the table above, you can see that 18-24-year-olds pay significantly more than drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. Largo drivers may see their rates creep back up once they hit retirement.
Largo Car Insurance Rates by Gender
Although women typically pay less than men do for auto insurance, this is not the case in Largo, where female drivers pay around $4 more a month.
Largo Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Those with clean records will obviously pay a lot less than those with infractions. The rate for drivers in Largo with a single accident on their record is about $152 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $213.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Largo Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$100|
|15 Years or Older||$112|
As you can see in the first table above, the cheapest vehicles to insure in Largo are usually trucks and vans, which run about $104 per month.
Car owners, on the other hand, typically pay around $112 per month, while SUV drivers can expect to pay about $110 a month for insurance coverage.
You can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to drop back down once your car is a few years old. In Largo, vehicles eleven-to-fourteen years old are the most expensive to insure.
Largo Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$110|
Generally speaking, car insurance is slightly cheaper for married policyholders. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
As you can see in the table above, married couples pay about the same rate as single drivers in Largo.
Largo Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$137|
Another factor taken into consideration is your housing status. In Largo, homeowners can expect to pay around $14 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Largo, FL
Recent trends in car insurance for Largo drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when deciding when and where to shop.
The rates for auto insurance in Largo had been decreasing from 2017-2020, before leveling out in 2021. They finished down in 2022, at $98 per month
How does Largo compare to neighboring areas?
Why are car insurance rates in Largo different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:
- Access to off-street parking
- Area crime rates
- Regional regulations
- Total drivers
- Road Safety (how many accidents each locality has)
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Largo?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
But wait! Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering policies in Largo.
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Largo Auto Insurance FAQs
What factors affect car insurance quotes in Largo?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your credit score, address, marital status and driving record.
Why is the cost of car insurance in Largo different from other neighboring cities?
Crime rates, local laws, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Largo?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Largo?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Largo or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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