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Largo, FL Cheap Auto Insurance, Find Local Agents in Florida for Maximum Savings

100 Indian Rocks Rd N,
Belleair Bluffs, FL
33770
(727) 584-7678
9200 Seminole Blvd,
Seminole, FL
33772
(727) 398-3120
3200 E Bay Dr,
Largo, FL
33771
(727) 531-3587
9016 Seminole Blvd,
Seminole, FL
33772
(727) 394-4244
1345 S Missouri Ave,
Clearwater, FL
33756
(727) 446-5721
555 S Hercules Ave Ste 402,
Clearwater, FL
33764
(727) 669-4777
7500 Ulmerton Rd,
Largo, FL
33771
(407) 348-3300
800 East Bay Dr # 0,
Largo, FL
33770
(727) 535-7444
1212 Cleveland St,
Clearwater, FL
33755
(727) 446-9116
1452 Court St,
Clearwater, FL
33756
(727) 446-4416
11380 66th St Ste 137,
Largo, FL
33773
(727) 547-8888
4445 E Bay Dr Ste 312,
Clearwater, FL
33764
(727) 524-4025
12947 Walsingham Rd,
Largo, FL
33774
(727) 595-8405
2095 E Bay Dr,
Largo, FL
33771
(727) 585-4276
7250 Ulmerton Rd Ste G,
Largo, FL
33771
(727) 451-7700
1601 E Bay Dr Ste 3,
Largo, FL
33771
(727) 581-4200
1000 Belcher Rd S Ste 3,
Largo, FL
33771
(727) 507-7525
2401 West Bay Dr Ste 603,
Largo, FL
33770
(727) 586-1601
1001 Highland Ave NE,
Largo, FL
33770
(727) 585-6525
4625 E Bay Dr Ste 101,
Clearwater, FL
33764
(727) 474-3870
2401 West Bay Dr Ste 413,
Largo, FL
33770
(727) 585-7554
801 West Bay Dr Ste 510,
Largo, FL
33770
(727) 559-0800
9355 Seminole Blvd,
Seminole, FL
33772
(727) 595-4127
1211 Court St,
Clearwater, FL
33756
(800) 221-1964
600 Cleveland St Ste 600,
Clearwater, FL
33755
(855) 888-7872
13429 Belcher Rd S,
Largo, FL
33771
(727) 536-1995
1470 Gulf To Bay Blvd,
Clearwater, FL
33755
(727) 443-6267
133 N Garden Ave,
Clearwater, FL
33755
(727) 449-8800
1474 Gulf To Bay Blvd,
Clearwater, FL
33755
(727) 446-6200
9225 Ulmerton Rd,
Largo, FL
33771
(727) 210-0980
2080 West Bay Dr,
Largo, FL
33770
(727) 584-7206
12551 Indian Rocks Rd Ste 8,
Largo, FL
33774
(727) 593-0884
520 Indian Rocks Rd N,
Belleair Bluffs, FL
33770
(727) 584-9999
1234 Court St Ste B,
Clearwater, FL
33756
(727) 569-6000
1340 Missouri Ave,
Largo, FL
33770
727-581-5200
We are a family owned company who strives on customer service.
3201 E Bay Dr,
Largo, FL
33771
(727) 536-5100
1200 S Highland Ave,
Clearwater, FL
33756
(727) 447-8408
918 S Missouri Ave,
Clearwater, FL
33756
(727) 446-7735
12990 Walsingham Rd,
Largo, FL
33774
(727) 595-6000
1468 Gulf To Bay Blvd,
Clearwater, FL
33755
(727) 441-9080
11250 66th St,
Largo, FL
33773
(727) 544-1380
11401 Seminole Blvd,
Largo, FL
33778
(727) 393-9146
519 Highland Ave NE Ste B,
Largo, FL
33770
(727) 582-9604
2240 Belleair Rd Ste 200,
Clearwater, FL
33764
(727) 216-6310
2501 West Bay Dr Ste A,
Largo, FL
33770
(727) 581-3070
13080 Belcher Rd S Ste H,
Largo, FL
33773
(727) 530-0684
10500 Ulmerton Rd Ste Largo,
Largo, FL
33771
(727) 586-1111
3690 E Bay Dr Ste V,
Largo, FL
33771
(727) 535-4603
575 S Hercules Ave Ste 604,
Clearwater, FL
33764
(727) 447-8989
1210 S Myrtle Ave,
Clearwater, FL
33756
(727) 461-3704
9750 Seminole Blvd,
Seminole, FL
33772
(727) 391-0127
14321 Walsingham Rd,
Largo, FL
33774
(727) 595-0763
10912 Hamlin Blvd,
Largo, FL
33774
(727) 399-1900
12554 Starkey Rd,
Largo, FL
33773
(727) 585-6200
11590 Seminole Blvd,
Largo, FL
33778
(727) 393-0640
1475 Belcher Rd S,
Largo, FL
33771
(727) 535-0524
801 West Bay Dr Ste 413,
Largo, FL
33770
(727) 518-0153
11322 Seminole Blvd,
Largo, FL
33778
(727) 394-1890
1101 Belcher Rd S Ste G,
Largo, FL
33771
(727) 535-4604
2101 Starkey Rd Unit L3,
Largo, FL
33771
(727) 530-3222
13847 Walsingham Rd Ste J,
Largo, FL
33774
(727) 595-7177
10883 Ulmerton Rd,
Largo, FL
33778
(727) 584-6604
2323 Belleair Rd,
Clearwater, FL
33764
(727) 535-5664
11350 66th St,
Largo, FL
33773
(727) 498-8854
11309 Starkey Rd,
Largo, FL
33773
(727) 392-4400
8845 Ulmerton Rd,
Largo, FL
33771
(727) 455-1617
1465 S Fort Harrison Ave Ste 104,
Clearwater, FL
33756
(727) 216-1111
10125 Ulmerton Rd Ste 200,
Largo, FL
33771
(800) 915-0969
4625 E Bay Dr Ste 227,
Clearwater, FL
33764
(727) 536-1997
13139 66th St,
Largo, FL
33773
(727) 209-2886
3665 E Bay Dr Ste 188,
Largo, FL
33771
(727) 536-3220
1941 West Bay Dr,
Largo, FL
33770
(727) 585-8300
1231 Lakeview Rd,
Clearwater, FL
33756
(727) 461-5454
1120 Belcher Rd S Ste 1,
Largo, FL
33771
(727) 748-2886
550 East Bay Dr,
Largo, FL
33770
(727) 530-3006
1710 Drew St Ste 5,
Clearwater, FL
33755
(727) 446-9009
Top Tips to Save on Your Auto Premium
You want to be sure to compare cheap car insurance quotes and with local agents to maximize your savings.
Top rated insurers like USAA, Progressive, Hartford, and Liberty Mutual are best. Over 84% are satisfied with claims handling with them.
Be sure to check your policy for mileage. If you drive less you can save hundreds more per year.
Don't assume an older model vehicle cost less to insure. Insurers go by the safety rating.
An easy way to lower comprehensive and collision coverage is to raise your deductible.
Take advantage of all discounts. Which can be 20% or more in savings.
A good driving history is the best way to keep your insurance rates as low as possible.
If you pay for coverage upfront in full you can save an additional 10% to 20%.
Don't let your coverage lapse. If so, you will see a spike in rates.
Before buying a car shop for quotes to see how much your premium may be.
If you have an older model vehicle consider dropping optional coverage such as comprehensive and collision.
Do some research and take a few minutes to learn the minimum coverage and other factors which apply in your state.
Maintain good credit to keep your premium as low as possible.
Make sure to do an annual rate check. Plus coverage you may or may not need.

Pros & Cons of Each Insurer

Type company name in search bar to find the pros, cons, and ratings. Otherwise each insurer is from highest to lowest rated.

CompanyProsConsRating out of 5 Stars
AmicaZero restrictions on which body shop you use for repairs.Few driver discounts, including pre-pay, low mileage, and military discounts.5
USAAJ. D. Power has rated USAA with a "perfect" score. Financial stability is highest rating of superior. USAA is only available to members of the military and their immediate family.5
AllstateAllstate offers a claims satisfaction guarantee. With Allstate's claims guarantee is typically a higher price in premiums. 4.5
American FamilyAttractive features, discounts and benefits including the teen safe driver program. Coverage is only available in 19 states. To get an online quote you have to enter your car's VIN. 4.5
Auto-Owners Good enhancement options from Auto-Owners Personal Automobile Plus Package. Service and claims handling is top notch. No national coverage. Auto-Owners offer coverage in 26 states.4.5
Country Financial Been in business for 85 years and has top financial strength. 24/7 customer service. Coverage is only available in 17 states.4.5
ErieFor South, Midwest, or Mid-Atlantic regions Erie consistently get high marks. Limited to certain regions of the country. 4.5
GEICOConsistently offers the lowest price. Known to raise rates during the time of the policy. 4.5
NationwideNationwide rewards accident-free years with its vanishing deductible program.Coverage isn’t available in Alaska, Hawaii, Louisiana, or Massachusetts.4.5
TravelersTravelers offers rates well below the national average. Not all coverage options are available in all states. Some customer complaints reported with billing/collection and customer service issues.4.5
ElectricValuable features and benefits for new cars, such as original equipment coverage. Perks for General Electric employees. Numerous discounts offered to bring your premium low. Mixed reviews on communications, billing, and collection practices.4.3
Cincinnati FinancialOffers Personal Auto Plus program to help drivers get low premiums. Strong financial ratings with lower than average industry complaints. Spotty complaints by consumers of claims process. Online presence is poor you normally have to call an agent. 4.2
Liberty MutualStrong customer service with attractive features such a new and better car replacement. New and Better car replacement are not offered in all states. And reports of poor claims handling for automobile repairs. 4
MetLifeMetLife includes several extras at no cost, such as expanded coverage when you rent a car and identity theft protection.Other than group discounts and standard bundling discounts, there aren’t a lot of opportunities for savings.4
Ameriprise FinancialVery attractive discounts and strong financial rating. Limited availability. Only 14 states you can get a policy.4
Tennessee FarmersLots of discounts such as distant student, homeowners, incident forgiveness, and more are available to give you better rates. No rate hikes for small claims/fender benders. If you get into a small accident, you won’t have to worry about the stability of your premium.Not all policy options are available in every state. 4
Progressive1 out of 10 drivers have Progressive. Offers roadside assistance and has strong financial strength. Doesn't offer new or better car replacement.4
Texas Farm BureauOffers competitive rates for all age drivers particularly drivers over 35. Not offered in all states. Only available in Texas. Focuses more on life insurance rather than auto. Many customers say there may be substantial rate hikes year by year. 4
FarmersWith Farmers you can insure about everything. Customer service is not 24/7 and reports of not-so-great claims handling. 4
Plymouth RockExcellent coverage with competitive premium rates. High satisfaction rate with customers. Considered by most reviews as the 1st or 2nd cheapest in the state of New Jersey. Only available in Connecticut, Massachusetts, New Hampshire, and New Jersey. It features several customer “perks” like the Get Home Safe® cab/ride share program and Door to Door Valet Claim Service. For unmarried drivers in the 4 states offered they are one of the cheapest. 4
Safeco24/7 customer support with a comprehensive line of products plus discounts. 24/7 claims handling. Customers have complained of claims being underpaid. 4
21st CenturyPart of Farmers. Has a partnership with Foremost Insurance to provide insurance on specialty vehicles like motorcycles and ATVs.If you have coverage outside of California you'll be directed to Farmers or Foremost.4
HartfordMechanical breakdown coverage helps cover the cost of repairs that aren’t covered by your car’s warranty. Claims satisfaction rating is only 2 out of 5 stars. 4
EsuranceOffers low rates, first rate website, and good customer service. Customers claim Esurance will penalize for cancelling a policy. No local agents. 4
Southern Farm BureauAffordable rates in the markets they service with a bevy of discount options.
Faster than average claim payout times.
Policyholders seem very happy with Farm Bureau's personable customer service.
Can be tough to get in touch with the correct person at times when filing a claim.
There have been several reports of cancelled policies after an initial claim.
4
NJMCompetitive premiums and offerings.
High satisfaction with claims processing and coverage. Most customers stay with them once covered.
Insurance only available to employees of select organizations.
Only in New Jersey and Pennsylvania.
4
Safety Ins.VIP Claims Centers from Safety can be a great way to expedite the claims settlement process and minimize upheaval / interruption in drivers' lives. Rates are low for married and unmarried drivers.
Local expertise and concentration of personnel and service facilities in Massachusetts and New Hampshire.
Only available in Massachusetts and New Hampshire. Many customers say the claims process can be extremely slow with many followups after a claim submission. 4
WawanesaIf you have a clean driving record your premium should be below average with this insurer. Available only in California and Oregon. Drivers with infractions may have a substantially higher premium. 3.9
TitanGood, fairly priced options for non-standard auto insurance.
Coverage and company affiliated and backed by Nationwide parent company.
Only available in 26 states. The complaints are higher than average compared to similar insurers.3.8
Alfa MutualGood ratings on their financial strength, and a lower than average complaint index.Some customers complain of delays in and poor investigations during the claims resolution process. Coverage strongest in Alabama, Mississippi, and Georgia. Known in these states: Texas, Missouri, Indiana, Ohio, Virginia, Tennessee, Arkansas, and Kentucky3.5
AlliedRecent partnership with Nationwide increases their coverage area and availabilityMight not get the same level of coverage and customer service in all areas. Not knowing which company you’re dealing with might cause confusion during the claims process3.5
Farm Bureau MutualOffers lower than average rates. Has a suite of discounts and affinity programs. Only available in 19 states.3.5
ArbellaSolid financial strength and business ratings should make you more confident in choosing Arbella. Competitive rates inside their service area.Auto policies only available in two states, Massachusetts and Connecticut.3.5
Grange MutualBeen in business since 1935 with over 1 billion in revenues. Can offer rates lower than main-street companies.Coverage available on in 12 states, Georgia, Illinois, Indiana, Iowa, Kentucky, Michigan, Minnesota, Ohio, South Carolina, Tennessee, Virginia and Wisconsin.3.5
MercuryMercury has a network of nearly 6,000 agents. Available in Arizona, California, Florida, Georgia, Illinois, Michigan, New Jersey, Nevada, New York, Oklahoma, Pennsylvania, Texas, and Virginia.Some policyholders have expressed concerns in reviews about delays and lack of timely response and follow-up from claims representatives.3.5
Auto ClubExcellent roadside assistance service.
AM Best Rating of A+ Superior. Multiple membership discounts.
Drivers complain new vehicles will have excessive fees. 3.5
Kentucky Farm BureauOffers lower rates than most competitors. Nice discount options and coverage terms. Not available in all states. Only in Kentucky. 3.5
EncompassStrong financial ratings. Are able to get unique and tailor policy options at a reasonable price.Poor reviews by customers of claims process. 3.4
ElephantGood repair assistance program to help drivers with damage vehicles. Premiums are lower than average. Only available in Virginia, Texas, Illinois, and Maryland. Consumer complaints are higher than average.3.2
AcceptanceGreat for non-standard or high risk drivers. Drivers with good driving history will pay above average. Claims process can be time consuming. 3.1
State FarmSuperior claims handling. State Farm has been the best at claims for years. Doesn’t offer stacked uninsured motorist or new car replacement coverages.3
Horace MannEstablished for teachers and those part of union, etc. Offers competitive rates. Claims process can be slow and payout from accidents are lower than expected. 3
Home StateHome State insurance was originally chartered in 1948. Less known company with little advertising. Strongest in Texas and currently owned by Berkshire Hathaway Group. Specializes in nonstandard policies for drivers.Limited to area where you can get coverage from them. Price of policy is typically higher than the average policy holder. This is to be expected with nonstandard policy coverage. 3
HanoverEasy to customize your policy. Nice string of discounts.Prices can be higher than average.3
MapfreCan get low rates through Mapfre in Northeastern states such as Massachusetts.MAPFRE’s geographical territory is limited to 18 U.S. states. Not all policy options are available in every state.3
KemperKemper has excellent financial strength, flexible payment options and attractive discounts for policyholders.Their rates can be higher than average. 3
The GeneralHisk risk drivers can get a policy with The General. Good for a person with a history of auto accidents. Has a reputation of not paying out claims in a timely fashion. Not good do for a driver with a clean record.3
SentrySentry has the highest financial strength rating available from A.M. Best. Attractive discounts to lower your premium by 20% or more. There are a number of customer complaints in the areas of products and services.3
State Auto GroupState Auto provides a variety of insurance options including car, home, farm, and business. Premium prices are usually average with many customers getting a lower rate from their previous carrier. Been in business since 1921 and policies are offered in 27 states. Claims handling process has poor reviews throughout online review portals. Many customers claim of substantially high rate hike after small claims. 3
ChubbCan pay with Agreed Settlements upfront. Choice of repair shops and no rental car daily limit. Tailors to individuals with higher than average net worth. 3
Good2goOffers extremely low rates some as little at $30 a month. Strong financial ratings.No brand recognition. Most believe to be a new company though Good2go has 25 years experience. 2.5
InfinityImmigrant friendly. With an AB 60 driver’s license resource center, immigrants can learn how to get a license in one place. If you’re new to the country, this company is very supportive of your driving.Infinity does make the JP Power list. Have to assume the financials aren't that great. 2.5
LoyaAccess to full-service and proprietary offices where agents can handle quotes and claims.Mixed reviews on claims resolution and response times. Only available in the states of CA, CO, IL, NV, NM, and TX2.5
National GeneralSmart Services add features and coverages which most other companies don’t offer. Discounts for using or being affiliated with General Motors.Mixed reviews of claims handling and auto insurance coverage types. 2.5
SafewayIt is difficult to find anything good about this company. Presentation of inconsistent information from website and agents. 2
Access AutoBasic online website with some options so you don't have to talk to an agent. Better Business Bureau ratings are poor. Many times it is difficult to get a claims adjuster on the phone. 1.9

Minimum Coverage by State, Uninsured Motorist Protection, & Personal Injury Protection

Type your state in the search to find details.

Average Yearly Premium SavingsStateMinimum Auto Insurance Coverage Uninsured Motorist Protection Required?Personal Injury Protection (PIP) Required?
$613/yrAlabama25/50/25
$765/yrAlaska50/100/25
$875/yrArizona15/30/10
$643/yrArkansas25/50/25
$912/yrCalifornia15/30/5
$1,008/yrColorado25/50/15
$876/yrConnecticut20/40/10
$1,043/yrDelaware15/30/10
$342/yrFlorida10/20/10
$1,754/yrGeorgia25/50/25
$438/yrHawaii20/40/10
$775/yrIdaho25/50/15
$954/yrIllinois20/40/15
$1,211/yrIndiana25/50/10
$658/yrIowa20/40/15
$699/yrKansas25/50/10
$1,211/yrKentucky25/50/10
$533/yrLouisiana15/30/25
$732/yrMaine50/100/25
$619/yrMaryland30/60/15
$323/yrMassachusetts20/40/5
$487/yrMichigan20/40/10
$769/yrMinnesota30/60/10
$1,006/yrMississippi25/50/25
$790/yrMissouri25/50/10
$643/yrMontana25/50/10
$628/yrNebraska25/50/25
$876/yrNevada15/30/10
$899/yrNew Hampshire25/50/25
$893/yrNew Jersey15/30/5
$937/yrNew Mexico25/50/10
$1,041/yrNew York25/50/10
$473/yrNorth Carolina30/60/25
$644/yrNorth Dakota25/50/25
$612/yrOhio25/50/25
$687/yrOklahoma25/50/25
$653/yrOregon25/50/20
$1,687/yrPennsylvania15/30/5
$743/yrRhode Island25/50/25
$834/yrSouth Carolina25/50/25
$531/yrSouth Dakota25/50/25
$589/yrTennessee25/50/15
$1,634/yrTexas30/60/25
$897/yrUtah25/65/15
$921/yrVermont25/50/10
$465/yrVirginia25/50/20
$855/yrWashington25/50/10
$1,710/yrWest Virginia20/40/10
$1,027/yrWisconsin25/50/10
$318/yrWyoming25/50/20

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