Insurance Costs in Largo, FL
Auto insurance in Largo averages $2,817 per year for full coverage, which is higher than the national average. Here is a detailed breakdown of what residents pay.
Updated July 2026Auto Insurance in Largo, FL: What You Need to Know
Largo residents pay an average of $2,817 per year for full coverage auto insurance, which is Near the Florida state average and 68.3% above the national average.
With a population of 84,948, Largo is a growing city in Florida. Insurance rates here are typical for the state.
Coverage Level Comparison
| Coverage Type | Annual Cost | Monthly Cost |
|---|---|---|
| Full Coverage (100/300/100) | $2,817 | $235 |
| Standard Coverage (50/100/50) | $2,310 | $192 |
| State Minimum (10/20/10) | $1,183 | $99 |
Homeowners Insurance in Largo, FL
The average cost of homeowners insurance in Largo is $4,443 per year ($370/month), which is 144.1% above the national average.
Home insurance costs are influenced by local factors including weather risks (hail, wind, flooding), property values, local building costs, and proximity to fire stations. Coastal or storm-prone areas may see even higher rates due to hurricane and flood risk.
Renters Insurance in Largo, FL
Renters insurance in Largo averages $248 per year ($21/month). Renters insurance is affordable and protects your personal belongings, provides liability coverage, and may cover temporary living expenses if your rental becomes uninhabitable.
Compare with Other Florida Cities
| City | Auto Insurance | Home Insurance |
|---|---|---|
| Jacksonville | $2,928/yr | $4,569/yr |
| Miami | $3,729/yr | $6,135/yr |
| Tampa | $3,093/yr | $5,162/yr |
| Orlando | $3,149/yr | $4,654/yr |
| St. Petersburg | $2,983/yr | $4,993/yr |
| Hialeah | $3,591/yr | $5,712/yr |
| Port St. Lucie | $2,624/yr | $4,866/yr |
| Cape Coral | $2,541/yr | $5,416/yr |
How to Save on Insurance in Largo
- Shop around. Get quotes from at least 3-5 different insurers. Rates in Largo can vary by $500 or more between companies for the same coverage.
- Bundle auto and home/renters. Many companies offer 10-25% off when you carry multiple policies.
- Increase your deductible. Raising your deductible from $500 to $1,000 can cut your premium by 15-30%.
- Ask about local discounts. Some insurers offer discounts for anti-theft devices, safe driving courses, or parking in a garage.
- Review coverage annually. Your needs change over time. Make sure you are not paying for coverage you do not need.
Frequently Asked Questions
How much is car insurance in Largo, FL?
The average cost of car insurance in Largo, FL is $2,817 per year for full coverage, or about $235 per month. Minimum coverage costs around $1,183 per year.
Is car insurance expensive in Largo?
Yes, car insurance in Largo is above both the state and national averages.
How much is home insurance in Largo?
Homeowners insurance in Largo costs an average of $4,443 per year. Your actual cost depends on your home's value, age, construction type, and specific location.