Table of contents
How much is car insurance in Florence?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in Florence is about $11 cheaper than it is in the rest of Arizona.
Similarly, the expected monthly payments for an auto insurance policy in Florence are below the national average. You can expect to pay about $30 below the national average for auto insurance in Florence.
These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.
Don't worry, we've done the work for you and broken down average rates for Florence to help you get a more accurate idea of what you'll be charged for your policy. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel, right? That experience can turn into some real savings when it comes to car insurance premiums. According to the table above, you can see that 18-24-year-olds pay two times as much as someone who is at retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. You may see your rates climb back up a bit once you hit retirement in Florence.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. While female drivers pay a little bit less than male drivers on their monthly insurance rates, the difference in Florence is only about $2 a month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
|Multiple Tickets||Not Enough Data|
Your rates can change quite drastically depending on your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Florence, a driving record with one accident will usually get you a rate around $50 a month.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$76|
|15 Years or Older||$56|
The most affordable vehicles to insure in Florence are typically cars, which run about $47 per month.
Truck and van drivers will see rates of about $52, while the rates for SUV owners average out to about $59 per month.
Your vehicle's age can also affect your monthly bill. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old, however, you may see your bill start to shrink a bit. In Florence, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$54|
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Florence as well, where the difference is around $7 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$62|
One other element taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $15 a month more than homeowners in Florence. But if you live with your parents, you can expect to pay a lot more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average costs.
Car Insurance Companies in Florence, AZ
Recent trends in car insurance for Florence drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
The rates for auto insurance in Florence rose from 2016-2017, before leveling out in 2018. Policy premiums had been increasing again recently, reaching a high of $86 in 2021.
How does Florence compare to neighboring areas?
Why are car insurance rates in Florence different from other areas?
There are a number of factors car insurance companies take into consideration when choosing how much to charge for a monthly rate. While we already mentioned the ones that affect your personal policy, others are influenced by your home address. These include things like:
- Area crime rates
- Local regulations
- Off-street parking availability
- Total number of drivers in the region
- Road Safety (frequency of local car accidents)
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. 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?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Fortunately, Compare.com can handle all of this for you. Just enter your ZIP Code below, answer a few questions about you and your car, and you'll be quickly comparing the cheapest quotes from dozens of car insurance companies offering policies in Florence.
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 age and gender, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Florence different from other neighboring cities?
Things like crime rates, local laws, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
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 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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Florence or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.