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Cheapest Car Insurance Rates in Largo, florida

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Driving Conditions in Largo, florida

At White Chip Insurance we understand the importance of finding the best carriers for our clients.

105Rainy Days a Year
51 in.Average Annual Rainfall
0 in.Average Annual Snowfall

Largo, florida Car Insurance Rates by Provider

White Chip Insurance has relationships with a variety of insurance providers, such as Geico, Progressive, State Farm, Allstate, and USAA. It is important that you, the car owner, compare rates and coverage options to ensure you are receiving the best policy possible. White Chip will utilize these relationships to make sure you find the best policies available in Largo, Florida. Contact a White Chip Insurance agent today to get a free quote for car insurance in Largo, Florida.

ProviderAverage Annual Rate
State Farm$1,680

Largo, florida Car Insurance Rates by Age

Car insurance rates in the city of Largo are going to vary depending on the age of the driver. Typically, insurance companies will require younger drivers to pay higher rates than older drivers due to age qualifying as a risk factor when determining premiums. White Chip Insurance is committed to providing the cheapest car insurance rates to all drivers, no matter their age. If you are looking for cheap car insurance in Largo, contact a White Chip Insurance agent today.

AgeAverage Annual Rate
16 - 19$5,664

Largo, florida Car Insurance Rates by Gender and Marital Status

Car insurance companies cannot use gender as a basis for determining insurance rates and most states have laws prohibiting insurers from using gender as a factor when determining rates. In Largo, Florida, you typically won’t find varying insurance rates, based on gender. However, on average, female drivers in Largo, Florida pay slightly more. Married couples typically have lower car insurance rates than single drivers because it is assumed that married drivers will drive more responsibly and take fewer risks behind the wheel. In Largo, Florida, divorced or widowed drivers can expect to see a slight increase in their rates than single or married drivers. White Chip Insurance will find you the cheapest rates no matter which category you fall into.

Gender and Marital StatusAverage Annual Rate

Largo, florida Car Insurance Rates by Driving Record

Car insurance rates are determined by many factors including the driver’s driving record. A driver with a clean driving record is likely to have lower car insurance premiums than someone with a poor driving record. Insurers may also offer discounts for drivers with clean records or reward them with lower rates. Conversely, drivers with poor driving records may be charged higher rates or be required to pay higher deductibles. Drivers who have had a DUI conviction or multiple traffic violations may be charged significantly higher rates. In Largo, Florida, the average car insurance rate for a driver with a clean record is $1,360 per year, while the average rate for a driver with a poor record is $4,250 per year.

Driving RecordAverage Annual Rate
Reckless Driving$4,107
At-fault Accident (damages less than $1,000)$3,785
At-fault Accident (damages greater than $2,000)$3,785
Speeding Ticket (16-20mph over speed limit)$3,417

Largo, florida Car Insurance Rates by Credit Score

Credit score is often taken into consideration when determining car insurance rates. Generally, the higher the credit score, the lower the car insurance rates. Since car insurance companies take into account an individual's financial history when determining rates, those with higher credit scores may be seen as more responsible and therefore may be able to access lower rates.

Low credit score? No worries - White Chip Insurance is dedicated to providing the cheapest car insurance rates in Largo, Florida to drivers of all credit scores. Contact us today to learn more.

Credit ScoreAverage Annual Rate
300 - 579$5,224
580 - 669$3,472
670 - 739$2,542
740 - 799$2,164
740 - 799$1,878

Cheapest Area Codes in Largo, florida

Car insurance rates can also vary depending on the zip code they are coming from. Largo, Florida rates can be more expensive because of their proximity to elite job opportunities, educational advantages, and access to amenities such as shopping, dining, and entertainment. Neighborhood safety and school quality are additional factors that can contribute to higher insurance premiums. The most expensive zip code in Largo, Florida is 33771 with an average home value of $627,000. The least expensive zip code in Largo, Florida is 33774 with an average home value of $286,000. Contact a White Chip Insurance agent today to get the cheapest car insurance in Largo.

Most Expensive Largo, florida zip Code

33772, 33773, 33774, 33775, 33778

Least Expensive Largo, florida zip Code

33770, 33771, 33776, 33777, 33779

Local Amenities in Largo, florida

Our team and main headquarters is located in Tampa, Florida. We have a staff of 13 licensed insurance agents that have been in the Tampa, Florida insurance business for several years. Check out some of Tampa’s most notable local amenities below.

Largo, florida Car Insurance FAQs

Below you’ll find answers to some frequently asked questions regarding florida Car Insurance.

What company has the cheapest car insurance in Florida?

Some of the most popular car insurance providers in Florida include State Farm, Allstate, GEICO, Progressive, and USAA. The cheapest rate varies on a driver-by-driver basis.

What is the average cost for car insurance in Florida?

According to the Insurance Information Institute, the average cost of car insurance in Florida is $2,309 per year, which is almost $1,000 more than the national average. The most expensive car insurance is found in the city of Miami, with an average annual cost of $3,764. The least expensive city is Punta Gorda, with an average annual cost of $1,698. The average cost of car insurance in Largo is $2,556. It is important to contact a White Chip Insurance agent to compare quotes from multiple insurers to ensure you get the cheapest car insurance rate possible.

Why is car insurance so expensive in Florida?

Car insurance is expensive in Florida because the state has a high risk of natural disasters, such as hurricanes and floods, and a high rate of car theft. Additionally, Florida is a no-fault state, which means that drivers are personally responsible for their own medical expenses regardless of who is at fault in an accident. This leads to an increase in the cost of insurance in Florida.

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Find the Cheapest Car Insurance Rates