Larter is the daughter of Margaret, a realtor, and Danforth Larter, a trucking executive.She attended Carusi Middle School and later graduated from Cherry Hill High School West during her time as a model, Larter began her modeling career at the age of 14 when a modeling scout discovered her on the street and was asked to star in a Phillies commercial; this led to a modeling contract with the prestigious Ford Modeling Agency in New York.
The movie was panned by critics, In 2000, Larter starred as one of the main characters, Clear Rivers, in the teen supernatural horror film Final Destination.
Also starring Devon Sawa and Kerr Smith, the movie's premise followed several teenagers who survive a plane crash but are stalked and killed by death itself.
Smart had persuaded Larter to audition for the movie, That year she made appearances in the teen comedies Giving It Up and Drive Me Crazy.
Larter also starred in the horror remake House on Haunted Hill which was made for around $20 million.
Larter's presence in the media is reinforced by her appearances in lists compiled by Maxim, FHM and Stuff as well as People magazine's "Best Dressed List" in 2007.