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Licensed property and casualty insurance agent
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NPN: 21630969
Updated
Full-coverage car insurance in Largo, Florida, averages $213 per month, while liability-only coverage averages $130 per month, according to Insurify data. Rates in Largo are lower than in Tampa, Clearwater, and Pinellas Park.
Auto insurance in Largo may be cheaper because there isn’t an interstate running directly through the city. Its main corridors, such as state Route 686 and Ulmerton Road, are state and county roads rather than major highways.
Compare that to Pinellas Park. Even though it has a lower population density than Largo, U.S. Route 19 runs through the city’s center.[1] The corridor also has a higher traffic volume than its capacity, which could help explain Pinellas Park’s higher average car insurance costs.[2]
Florida car insurance requirements include $10,000 in property damage liability coverage and $10,000 in personal injury protection (PIP).[3] As a no-fault state, Florida doesn’t require bodily injury liability coverage. Instead, each driver’s PIP pays for their own medical expenses after an accident.
Liability coverage averages $130 per month in Largo, which is close to the state average. It’s also more affordable than full coverage. The table below shows quotes for cheap liability car insurance in Largo, with the best rates from State Farm.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $73 |
| Clearcover | $79 |
| Mile Auto | $80 |
| Progressive | $80 |
| GEICO | $82 |
| Embark | $96 |
| Dairyland | $102 |
| GAINSCO | $109 |
| Direct Auto | $110 |
| Mercury | $113 |
| The General | $116 |
| Bristol West | $124 |
| Allstate | $127 |
| AssuranceAmerica | $127 |
| National General | $134 |
| Insurify Car | $138 |
| Root | $149 |
| Travelers | $151 |
| Hugo | $185 |
| Mendota | $205 |
| First Acceptance | $206 |
| Liberty Mutual | $210 |
Get a quote and buy a policy in minutes. Pay for one week.
Largo drivers may want to consider full coverage. The city’s location on the Gulf Coast makes it susceptible to hurricanes — including both Helene and Milton, which hit Pinellas County in 2024.[4] These storms can bring flooding and high winds, damaging vehicles.
Full coverage includes both collision coverage and comprehensive coverage to protect your vehicle from storm damage. It averages $213 per month in Largo — lower than in many other cities in Florida. You may find the cheapest rates from State Farm. Below are quotes for cheap full-coverage car insurance in Largo
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| State Farm | $117 |
| Progressive | $131 |
| Mile Auto | $149 |
| Mercury | $166 |
| GEICO | $171 |
| National General | $173 |
| Direct Auto | $183 |
| Bristol West | $193 |
| Clearcover | $193 |
| Allstate | $204 |
| The General | $223 |
| AssuranceAmerica | $231 |
| Embark | $235 |
| Travelers | $242 |
| GAINSCO | $260 |
| Root | $263 |
| Liberty Mutual | $273 |
| Dairyland | $294 |
| First Acceptance | $301 |
| Mendota | $319 |
Venice and Milton have the cheapest car insurance in Florida. Meanwhile, Boynton Beach and Miami Gardens are the most expensive.
Largo, on the other hand, is one of the more affordable cities in Florida, likely due to lower accident exposure. Drivers in Largo have shorter commute times compared to the state average. It also had the third-lowest annual mileage in Florida, according to Insurify data.
Although Largo has a higher population density, car insurance is cheaper than in nearby Tampa. Rates are likely lower, in part, due to Tampa’s high rate of auto theft. Tampa ranked 42nd in the country for theft volume in the first half of 2025, according to Insurify data.
The table below compares the cost of Largo car insurance to other major cities in Florida.
City | Average Monthly Quote |
|---|---|
| Venice | $134 |
| Milton | $142 |
| The Villages | $143 |
| Saint Augustine | $149 |
| North Port | $150 |
| Panama City | $150 |
| Punta Gorda | $150 |
| Vero Beach | $150 |
| Port Orange | $153 |
| Eustis | $155 |
| Gainesville | $157 |
| Sarasota | $158 |
| Melbourne | $161 |
| Palm Coast | $161 |
| Cocoa | $164 |
| Naples | $164 |
| Pensacola | $164 |
| Palm Bay | $166 |
| Jupiter | $167 |
| Cape Coral | $169 |
| Tallahassee | $169 |
| Ocala | $170 |
| Bradenton | $175 |
| Clearwater | $175 |
| Daytona Beach | $175 |
| Port Saint Lucie | $175 |
| Lakeland | $177 |
| Winter Springs | $177 |
| Saint Cloud | $178 |
| Clermont | $179 |
| Winter Haven | $179 |
| Fort Myers | $180 |
| Sanford | $180 |
| Pinellas Park | $183 |
| Oviedo | $185 |
| Plant City | $185 |
| Coral Springs | $186 |
| Orange Park | $186 |
| Saint Petersburg | $186 |
| Jacksonville | $187 |
| Palm Harbor | $188 |
| Davenport | $189 |
| Apopka | $190 |
| Altamonte Springs | $192 |
| Deltona | $196 |
| Palm Beach Gardens | $197 |
| Spring Hill | $198 |
| Kissimmee | $199 |
| New Port Richey | $204 |
| Wesley Chapel | $206 |
| Orlando | $208 |
| Wellington | $212 |
| Boca Raton | $215 |
| Brandon | $215 |
| Riverview | $215 |
| Fort Lauderdale | $218 |
| Hollywood | $220 |
| North Miami Beach | $220 |
| Holiday | $223 |
| Pompano Beach | $224 |
| West Palm Beach | $224 |
| Homestead | $227 |
| Miami Beach | $227 |
| Deerfield Beach | $233 |
| Delray Beach | $239 |
| Lake Worth | $239 |
| Hialeah | $240 |
| Tampa | $241 |
| Miami | $242 |
| Boynton Beach | $255 |
| Miami Gardens | $268 |
*Quotes generated for Insurify users in and around Largo, Florida within the last 10 days. Last updated on August 21, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Largo, Florida within the last 10 days. Last updated on August 21, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Most violations stay on your Florida driving record between three and five years, but more serious ones, like driving under the influence (DUI), can stay longer. Below are the cheapest companies for people in Largo with different driving records:
Cheapest car insurance for Largo drivers with a clean driving record: State Farm
Cheapest car insurance for drivers with a speeding ticket in Largo: State Farm
Cheapest car insurance for Largo drivers with an at-fault accident: State Farm
Cheapest car insurance for drivers with a DUI in Largo: State Farm
About 3% of Largo drivers have a speeding ticket on their record, according to Insurify data. Meanwhile, more than 4% have an at-fault accident on their record. Florida follows no-fault car insurance laws, so your PIP covers medical bills after an accident, even if it wasn’t your fault.
Less than 1% of drivers have a DUI in Largo, according to Insurify data. Pinellas County recorded 366 crashes involving drugs, alcohol, or both in 2025, according to the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) Crash Dashboard.
That’s fewer than neighboring Hillsborough County, which recorded 456 impaired driving crashes during the same period.
A first-time DUI can result in a $500–$1,000 fine, up to six months in jail, a license revocation, and an FR-44 requirement.
Insurers view incidents on your driving record as high risk and may raise your rates.[5] The table below shows average car insurance quotes in Largo by driving record.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $172 |
| Speeding ticket | $199 |
| At-fault accident | $217 |
| DUI | $222 |
Largo offers almost 500 acres of parkland, along with live shows at the Central Park Performing Arts Center.[6] These attractions could bring tourism and more traffic to the city. Luckily, the recent Horizon West Bay project included a covered parking garage with more than 350 spaces.
Flooding is a year-round risk in Largo, not just during hurricane season. Everyone in Pinellas County is in a flood zone. The City of Largo advises people to avoid driving through flooded roads because they may be indistinguishable from canals or ponds. Electrical currents from downed power lines can also travel through water.
Largo drivers might also want to consider uninsured motorist coverage in case a driver without insurance hits them. While Pinellas County’s uninsured motorist rate is lower than the statewide average, FLHSMV data shows that 4.33% of registered vehicles in the county were uninsured as of August 2026.
Largo’s average commute time is about 25 minutes — shorter than Florida’s statewide average of 28 minutes. Less time on the road could contribute to lower car insurance costs.
Traffic runs through a few main corridors throughout the city, including Ulmerton Road and state Route 686. A planned improvement project of West Bay Drive between Clearwater-Largo Road and Belleair Causeway Bridge aims to connect the Pinellas Trail and Medical Arts District to the bridge and beach communities.
Each summer, the Pinellas County Sheriff’s Office joins other law enforcement agencies in “Operation Southern Slow Down.” The initiative targets speeding and aggressive driving to reduce traffic fatalities.
To get your driver’s license in Florida, you must be at least 16 years old and have held your learner’s permit for at least one year. You also need to complete 50 hours of driving, including 10 hours at night.
Teen drivers pay an average of $216 per month for liability-only car insurance in Largo. They may find the lowest rates from State Farm. The table below shows the most affordable car insurance in Largo for teens.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Clearcover | $123 |
| Progressive | $133 |
| State Farm | $135 |
| GEICO | $142 |
| Mile Auto | $158 |
| Embark | $160 |
| Dairyland | $168 |
| GAINSCO | $182 |
| Mercury | $197 |
| The General | $200 |
| Direct Auto | $205 |
| Bristol West | $209 |
| Allstate | $211 |
| Root | $212 |
| Insurify Car | $229 |
| AssuranceAmerica | $251 |
| National General | $254 |
| Travelers | $300 |
| Hugo | $307 |
| Mendota | $341 |
| First Acceptance | $342 |
| Liberty Mutual | $350 |
Check quotes from 120+ top insurance companies
Largo has a larger senior population compared to the state average (28% versus 22%). Florida insurers must offer a discount to drivers aged 55 and older who complete an FLHSMV-approved driving course.
Senior drivers pay an average of $117 per month for liability coverage and may find the best rates from State Farm. Below is a comparison of the cheapest car insurance in Largo for seniors.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $59 |
| Mile Auto | $64 |
| GEICO | $67 |
| Clearcover | $71 |
| Progressive | $72 |
| Embark | $86 |
| Dairyland | $88 |
| Mercury | $91 |
| Direct Auto | $92 |
| GAINSCO | $95 |
| The General | $101 |
| AssuranceAmerica | $102 |
| Bristol West | $106 |
| National General | $108 |
| Allstate | $114 |
| Travelers | $124 |
| Insurify Car | $124 |
| Root | $140 |
| Hugo | $166 |
| Liberty Mutual | $178 |
| Mendota | $184 |
| First Acceptance | $185 |
Although rates are lower than in most Florida cities, Largo car insurance is still higher than the national average. The information below can help you understand what affects rates and how to find the best car insurance.
Car insurance in Largo averages $213 per month for full coverage and $130 for liability coverage, according to Insurify data. Add-ons like medical payments coverage, roadside assistance, or motorcycle insurance can change your final auto insurance quote.
State Farm offers some of the most affordable car insurance in Largo. To find the lowest rate for you, request free quotes from several insurers and ask about discounts, such as bundling with home insurance or renters insurance. You can also increase your deductible (what you pay out of pocket after an accident) to lower your premium.
Auto insurance rates increase by an average of 30% after a DUI in Largo, according to Insurify data. Impaired driving violations remain on your driving record for 75 years in Florida.
Several factors affect the cost of car insurance in Largo, Florida, including weather risks, traffic patterns, and below-average commute times. Your vehicle type, driving record, and eligible discounts (like a good student discount) also influence your rate.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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5+ years experience in personal finance writing
Personal finance blogger
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
