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How much is car insurance in Florence?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that it's about $8 a month cheaper to insure your vehicle in Florence than it is in the rest of Arizona.
Compared to the rest of the country, auto insurance in Florence is more affordable. You can expect to pay about $26 less for your policy in Florence than in the rest of United States.
While these numbers are the average rates for auto insurance in Florence, that doesn't mean it's what you'll pay. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.
We've done the heavy lifting for you and broken down the average rate for Florence so that you can get a more accurate idea of what your monthly bill might be. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
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Florence Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads, right? That experience pays off when it comes to auto insurance. In this case, 18-24-year-olds pay two times the price that drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. You may see your rates creep back up once you hit retirement age in Florence.
Florence Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. In Florence, however, the difference in monthly policy premiums is minimal.
Florence Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. Drivers in Florence with a single accident on their record will usually see rates around $98 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 hurt your wallet. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Florence Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$76|
|15 Years or Older||$62|
The most affordable vehicles to insure in Florence are typically cars, which run about $49 per month.
Truck and van drivers will see rates of about $51, while the rates for SUV owners average out to about $82 per month.
The age of your vehicle also plays a role in your monthly payment. Generally, the most expensive vehicles to insure are going to be newer ones. However, if your car is a few years old, you can expect to see your rates start dropping back down. The most expensive vehicles to insure in Florence are vehicles less than one year old.
Florence Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$57|
On average, people who are married will pay slightly less for car insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
Although married couples normally pay less than single drivers to insure their vehicles, the rates for both groups are about the same in Florence.
Florence Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$62|
Your living situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $7 a month more than those who own their own home in Florence. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Florence, AZ
Recent trends in car insurance for Florence drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an insurance provider.
In Florence, auto insurance rates increased from 2017-2018, when they hit a low of $43. This shifted in 2019, when insurance rates started to rise. They reached a high of $87 in 2021, and finished down in 2022, at $71 a month.
How does Florence compare to neighboring areas?
Why are car insurance rates in Florence different from other areas?
Car insurance companies take in a number of factors when figuring out how much individual insurance policies will cost. While we already talked about the ones that affect your personal policy, others are based around where you call home. These include things like:
- Area crime rates
- General road safety (how many accidents each locality has)
- Community regulations
- Number of drivers in the region
- Off-street parking availability
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Florence?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
But wait! Compare.com does all of that work for you. Put in your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering plans in Florence.
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Florence Auto Insurance FAQs
What factors affect car insurance quotes in Florence?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your driving record, address, credit score, and marital status.
Why is the cost of car insurance in Florence different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, crime rates, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Florence?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Florence?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea 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 time, regardless of how long is left on your current policy. So, if you've recently moved to Florence or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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