Florence, SC Car Insurance

On average, drivers in Florence pay around $118 per month for their car insurance. 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 can Florence residents expect to pay for their car insurance? How does Florence compare to the surrounding area and the rest of South Carolina? 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$118
SC$104
United States$81

Based on the information in the chart above, you can see that on average, it's about $14 a month more expensive to insure your vehicle in Florence than it is in the rest of South Carolina.

Similarly, Florence residents will likely pay higher rates to insure their vehicle than in the rest of the country. It's around $37 more expensive to insure your vehicle in Florence compared to the average rate for the rest of the U.S.

These rates may be the average amount drivers in Florence pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. 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.

Don't worry, we've done the work for you and broken down the average rates for Florence to help you understand what your monthly premium might be. To find out if you're overpaying for your area, just enter your ZIP 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$196
25-34$118
35-44$103
45-54$97
55-64$85
65+$94

Generally, the older you are, the more experienced you are on the roads, right? That experience can really work in your favor when factored into your car insurance rates. According to the table above, you can see that 18-24-year-olds pay two times as much as drivers 65 and older.

You can expect to see your monthly premium drop about once a decade or so. Florence drivers may see their rates begin to increase again once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$119
Female$118

Male drivers pay, on average. slightly more than female drivers for auto insurance. The price for auto insurance in Florence, however, is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$159
Multiple Accidents$237
1 Ticket$145
Multiple Tickets$213

One of the biggest factors in determining your car insurance rates is your driving record. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions, while those with clean driving records will obviously pay the least. In Florence, a driving record with one accident will usually get you a rate around $159 a month. In addition, drivers with a single ticket on their record can expect to pay around $145 a month on average.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$80
2-3 Years$119
4-5 Years$131
6-7 Years$121
8-10 Years$127
11-14 Years$118
15 Years or Older$116

According to the first table above, SUVs are by and large the cheapest vehicles to insure in Florence, with drivers paying around $112 per month for insurance.

Car owners can expect to pay an average of around $122 a month for their policy, while truck and van drivers are usually around $116 to insure each month.

The age of your vehicle can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. However, once your car is around 5 years old, you may start to see your monthly premium decrease. 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)$124
Married$96
Divorced$91
Widowed$93

Generally, married policyholders will pay slightly less for insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor many companies extend special discounts for.

Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Florence, with married couples paying about $28 less per month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$116
Rent$119
Live with parents$127

Another factor taken into consideration is your living accommodations. If you rent your home or apartment in Florence, expect to pay around $3 a month more than if you own your home. Those who live with their parents, however, can expect to pay a lot more.

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, SC

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when choosing your car insurance policy.

Auto insurance rates in Florence rose from 2017-2018, before leveling out in 2019. They finished up in 2022, at $143 a month

How does Florence compare to neighboring areas?

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

Car insurance companies will consider several factors when trying to decide how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:

  • Local crime rates
  • Total number of drivers
  • Off-street parking accessibility
  • Road Safety (how many accidents each locality has)
  • Local regulations

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. 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?

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.

But hold on! Compare.com can handle all of this for you. Just punch in your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be quickly comparing the cheapest quotes from dozens of car insurance companies offering plans in Florence.


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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 age and gender, but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.

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

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.

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?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

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

No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Florence or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

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