Florence, AZ Car Insurance

Drivers in Florence pay, on average, $56 a month for their car insurance. To find out more check out our guide below.
What can Florence residents expect to pay for their car insurance? Are rates in Florence higher or lower than those in neighboring areas? How do they compare to the rest of Arizona? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Florence?

Area Average Monthly Car Insurance Premium
Florence$56
AZ$62
United States$81

Auto insurance coverage in Florence is about $6 cheaper than it is in the rest of Arizona.

Likewise, the expected monthly payments for an auto insurance policy in Florence are below the national average. The average monthly payment in Florence is about $25 cheaper than the rate for the rest of the United States.

While these are the average car insurance rates for Florence, you could end up paying something different. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

We've broken down the average rates for Florence to help you understand what exactly you might be asked to pay. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$106
25-34$54
35-44$42
45-54Not Enough Data
55-64$34
65+$46

The more time you have behind the wheel, the more experienced of a driver you should be. When it comes to your monthly premium, that experience can really pay off. In this case, 18-24-year-olds pay two times the price that someone who is at retirement age.

For every ten years older you get, you can expect to see a drop in your monthly premium. As you get closer to retirement age, however, you may see your rates creep back up in Florence.

Average Car Insurance Rates by Gender

Gender Average
Male$57
Female$54

In general, car insurance rates for women are usually cheaper than they are for men. While female drivers pay slightly less than male drivers on their monthly premiums, the difference in Florence is only about $3 per month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$101
Multiple Accidents$93
1 Ticket$50
Multiple Tickets$180

Your rates can change quite drastically depending on your driving record. Drivers with clean records can expect to pay much less than those with accidents or violations. In Florence, having a single accident on your record will usually get you rates around $101 a month. In addition, drivers with one ticket can expect to pay around $50 a month on average.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$76
2-3 Years$39
4-5 Years$29
6-7 Years$39
8-10 Years$50
11-14 Years$53
15 Years or Older$65

As you can see in the first table above, the cheapest vehicles to insure in Florence are typically cars, which run about $50 per month.

Truck and van drivers will see rates of about $51, while the rates for SUV owners average out to about $83 a month.

You can also expect to see slightly different rates depending on your vehicle's age. Generally, the most expensive vehicles to insure are going to be newer ones. However, your rates may start to drop back down once your car is a few years old. The most expensive vehicles to insure in Florence are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$59
Married$60
Divorced$43
Widowed$37

On average, those who have settled down into marriage will pay slightly less for auto insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.

While married drivers normally pay less than single drivers, in Florence both groups pay about the same rate.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$49
Rent$60
Live with parents$62

Your living situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $11 a month more than if you own your own home in Florence. But if you live with your parents, you can expect to pay a lot more.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your overall costs.

Car Insurance Companies in Florence, AZ

Recent trends in car insurance for Florence drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending when selecting an auto insurance policy.

The rates for auto insurance in Florence decreased from 2017-2018, but began to rise in 2019. This pattern has continued through 2022 when rates have most recently hit $142.

How does Florence compare to neighboring areas?

Why are car insurance rates in Florence different from other areas?

Car insurance companies will take into account many factors when choosing how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by where you live. These include things like:

  • Road safety
  • Access to off-street parking
  • Area laws
  • Prevalence of crime
  • Total number of drivers in the region

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Different towns and cities will all have different average rates, so guides like these are a great place to get started.

How can I find the cheapest car insurance in Florence?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

Fortunately, Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from numerous car insurance companies offering policies in Florence.

Compare the cheapest quotes from dozens of insurance companies

Florence Insurance FAQs

What factors affect car insurance quotes in Florence?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Florence different from other neighboring cities?

Crime rates, parking situations, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

Which car insurance company will offer me the cheapest rate in Florence?

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Florence?

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Florence or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

Find your best rate in just a few minutes