Largo Car Insurance

Find the right car insurance policy for you.

Located in the Tampa Bay Area, you’ll find the charming city of Largo, FL. This bedroom community is a busy place, where residents are constantly traveling in and out of the city. With so much traffic, every driver needs a reliable Largo car insurance policy.  Independent Insurance Agents take the guesswork out of shopping for auto insurance. Our experienced agents will help you navigate the coverage options and find a car insurance plan that is right for your unique lifestyle and budget.

  • National average cost per year: $1,311
  • Florida average cost per year: $1,742
  • #5 most expensive auto premium in the U.S.

Florida drivers have to deal with some of the most expensive auto insurance premiums in the country. However, our independent insurance agents are experts at finding ways to save. While your premium usually depends on the kind of car you drive, your age and your driving history, you can sometimes get discounts thanks to safe driving or security upgrades. As you shop for Largo auto insurance, take time to compare rates; it could add up to big savings in the long run.

Florida Car Insurance Requirements

  • Body injury liability: required
  • Property damage reliability: required
  • Personal injury protection (PIP): required
  • Minimum liability limits: 10/20/10

All drivers are required to have car insurance in the Sunshine State. Minimum coverage limits are $10,000 for individual injuries, $20,000 for total injuries in an accident and $10,000 for any resulting property damage. The state sets these minimums as a guideline to help drivers choose an adequate car insurance policy. However, it’s usually a good idea to purchase additional coverage. If you get into an accident and the expenses are higher than your coverage limit, you have to come up with the difference out of pocket.


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Number of Uninsured Motorists in Florida

  • Number of uninsured U.S. drivers: 12.6%
  • Number of uninsured Florida drivers: 23.8%

Florida’s steady influx of snowbirds and immigrants has led to a major problem with uninsured motorists. Nearly one out of every four drivers is uninsured in Florida, bringing some serious risks to the roadways. If you get hit by a driver who has no insurance, you have to pay to repair your car. If you are injured, the medical bills fall back on you. That’s why many drivers in Largo opt to invest in uninsured motorist coverage, an option that covers your expenses if you get hit by a driver who is uninsured or doesn’t have adequate coverage.

Number of Auto Thefts in Florida

  • National number of thefts for 1,000 vehicles: 2.94
  • Number of thefts for 1,000 vehicles in Florida: 2.48

With a steady flow of tourists coming in and out of Largo, crime is a major threat. Imagine how scary it would be to walk out of the house one morning to discover that your car is no longer in the driveway. Having your car stolen feels like an attack on more than your property; it’s an invasion of your privacy too. If you have a comprehensive auto insurance policy, you can at least rest easy knowing that you can replace your car if it ever gets stolen.

Find a Great Largo Car Insurance Policy

If you’re looking for the best auto insurance in Largo, your first step is to start comparing rates. Our independent insurance agents make this simple by offering quotes on multiple policies in one convenient place. Our friendly agents will walk you through the coverage options and help you choose a car insurance policy that will be the right fit for your budget and lifestyle. Whether you’re a brand-new driver or an experienced driver with decades of experience, our independent insurance agents can help you find the perfect insurance plan for your car. 

Contact an agent today to get your free customized quote on Largo car insurance.

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