Florence, KY Car Insurance

Residents of Florence pay around $102 monthly for their car insurance coverage. We cover plan rates, policies and more in our guide below.
Map of cities where drivers can find cheaper car insurance
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What rates should residents of Florence expect to pay for their car insurance? How does Florence stack up to the rest of the area, or even Kentucky as a whole? 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$102
KY$132
United States$81

Compared to the rest of the Kentucky, coverage in Florence is about $30 a month cheaper.

On the other hand, Florence residents will likely pay higher rates to insure their vehicle than in the rest of the country. The average monthly payment in Florence is about $21 more expensive than the rate for the rest of the U.S.

While these numbers represent the average monthly payments for coverage in Florence, that doesn't mean it's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

But don't worry, we've broken down the average rate for Florence residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!


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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$157
25-34$98
35-44$92
45-54Not Enough Data
55-64$83
65+$89

The longer you've been behind the wheel, the more experienced of a driver you are. That experience pays off when it comes to auto insurance. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.

For every 10 years, you can expect to see a drop in your monthly premium. Florence drivers may see their rates begin to go back up once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$95
Female$108

Although women typically pay less than men do for auto insurance, this is not the case in Florence, where female drivers pay around $13 more per month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$128
Multiple Accidents$114
1 Ticket$127
Multiple Tickets$132

One of the biggest factors in determining your car insurance rates is your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Florence, a driving record with a single accident will usually get you a rate around $128 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $127 on average.

Accidents, tickets, and other driving infractions can cost you some serious cash. So, if cheap car insurance is something you're after, drive safely and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$86
2-3 Years$91
4-5 Years$113
6-7 Years$98
8-10 Years$108
11-14 Years$100
15 Years or Older$102

If you look at the first table above, you'll see that trucks and vans are usually the cheapest vehicles to insure in Florence, with drivers paying around $88 per month for insurance coverage.

Car owners can expect to pay an average of around $107 a month for their policy, while SUVs usually cost around $93 a month to insure.

Depending on the age of your vehicle, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. However, if your car is about 5 years old, you can expect to see your rates start dropping back down. In Florence, the most expensive vehicles to insure are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$107
Married$98
Divorced$73
Widowed$88

More often than not, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Florence is no exception, with the difference totaling to around $9 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$109
Rent$98
Live with parents$102

Your living accommodations is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $11 less than homeowners in Florence. Those who live with their parents, however, can expect to pay a lot more.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your overall costs, depending on your insurance company.

Car Insurance Companies in Florence, KY

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding on where to shop.

The rates for auto insurance in Florence went up from 2017-2018, and rose again, from 2020-2021. They finished down in 2022, at $99 a month.

How does Florence compare to neighboring areas?

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

There are numerous factors car insurance companies take into consideration when deciding how much to charge for a monthly rate. While we mentioned the factors that affect your personal policy, others are based around where you live. These include things like:

  • Crime
  • Amount of off-street parking
  • Number of car accidents
  • Number of drivers in the community
  • Local regulations

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.

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 to request a quote from a car insurance company.

Good news! Compare.com has you covered. Just enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering plans in Florence in no time.


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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 vehicle's make and model, year, driving record, credit score, as well as your marital status and address.

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

Local laws, crime rates, and parking situations -- 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?

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

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 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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