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Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
He’s also an alumnus of the University of California, Santa Barbara, where he earned a bachelor’s degree in linguistics.
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Finding affordable car insurance in Florence can feel overwhelming, but you’re not alone in your search. The average driver in Florence pays $251 per month for car insurance, according to our data. Still, several insurers offer much cheaper policies.
For example, USAA, Auto-Owners, and State Farm lead the pack for the most affordable coverage in the area, judging by each insurer’s average monthly rates.
This guide will walk you through the cheapest insurers in Florence for various driver types, help you understand how to pick the right company for your situation, and share practical tips for saving on your car insurance.
USAA offers the lowest average rates in Florence, at $61 per month.
Liability coverage averages $195 monthly, while full coverage costs $307 in Florence.
All Florence drivers must maintain at least $25,000 per person in bodily injury, $50,000 per accident, and $25,000 in property damage coverage.
No matter Florence’s average rates, you can still find significant savings by choosing the right insurance company. Several insurers consistently offer rates well below the citywide average, making quality coverage more accessible for local drivers.
For example, the table below highlights the most affordable insurers in Florence, based on our comprehensive analysis.
Company  | Average Monthly Premium |
|---|---|
| USAA | $61 |
| Auto-Owners | $66 |
| State Farm | $67 |
| GEICO | $73 |
| Nationwide | $99 |
| Allstate | $105 |
| Travelers | $113 |
| Progressive | $122 |
| State Auto | $137 |
| Root | $160 |
| Safeco | $169 |
| Direct Auto | $183 |
| National General | $187 |
| Dairyland | $195 |
| The General | $221 |
| Liberty Mutual | $222 |
| Bristol West | $271 |
| GAINSCO | $282 |
| AssuranceAmerica | $289 |
USAA stands out as the most affordable option, with average monthly rates of just $61 for liability coverage. But that doesn’t necessarily mean it’ll be the cheapest option for you.
The following sections break down the cheapest companies across different driver profiles and coverage types to help you find the best match for your specific needs.
While the companies above provide a solid starting point, your personal rates can vary dramatically based on your age, driving record, credit history, and where you park your car in Florence. That’s why it’s crucial to compare rates from multiple companies that cater to drivers with similar profiles to yours.
To get you started, we broke down the most affordable insurance companies for several types of local drivers in the table below.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | USAA | $61 |
| Full coverage | USAA | $104 |
| Teens | USAA | $117 |
| Seniors | USAA | $49 |
| Drivers with a speeding ticket | USAA | $74 |
| Drivers with an at-fault accident | USAA | $77 |
| Drivers with a DUI | USAA | $83 |
| Drivers with excellent credit | Auto-Owners | $52 |
| Drivers with poor credit | USAA | $71 |
Policies in Florence start as low as $61 per month.
State-minimum coverage in Florence averages $195 per month, according to our data. But while this meets South Carolina’s legal requirements, most insurance experts recommend purchasing additional coverage. That’s because the state’s basic requirements often don’t cover the full cost of injuries or property damage in a serious accident, potentially leaving you responsible for thousands in out-of-pocket expenses.[1]
That said, if you need only bare-bones coverage that meets South Carolina’s minimum requirements, we’ve highlighted the five most affordable companies in the following chart.
Most drivers should seriously consider full coverage because it protects both your vehicle and your finances. These types of policies typically include comprehensive and collision insurance in addition to the state’s minimum liability requirements.
Full-coverage policies help pay for repairs to your own vehicle after accidents, theft, vandalism, or weather damage. Plus, lenders will require you to purchase full coverage if you finance or lease your car since the vehicle serves as collateral for the loan.[2]
Full coverage in Florence averages $307 per month, according to our research. But several insurers offer full coverage for close to the average liability price in Florence.
Below, you’ll find the five cheapest insurers in Florence for full coverage, according to Compare.com data.
Teen drivers face some of the highest insurance rates of any age group because they lack driving experience and statistically cause more accidents than older drivers.[3] Insurance companies view this inexperience as a significant risk factor when calculating premiums, leading to much higher rates.
Nationwide, the average teen pays nearly double what someone 20 or older pays for the same coverage, according to our data. Teen drivers in Florence pay an average of $510 per month, but it’s still possible to find a good deal if you’re a teen driver or have one on your policy.
To help teens and their families find better rates, we’ve compiled the five most affordable insurers for young drivers in Florence in the chart below.
On the other end of the spectrum, senior drivers typically enjoy the lowest insurance rates of any age group because they’ve accumulated decades of behind-the-wheel experience and tend to drive more cautiously than younger drivers.[4] Many seniors also drive fewer miles annually, which reduces their exposure to potential accidents. That, in turn, leads to generally lower rates.
Insurance for seniors in Florence averages $214 per month, according to our data. But even with these already low average rates, you can likely find an even better deal from several companies that specialize in serving older drivers.
Here are the five companies offering Florence’s most affordable rates for seniors, according to our analysis.
Getting a traffic ticket can cause your insurance rates to increase when your policy renews because it signals to insurers that you’re a higher-risk driver. The increase depends on the type and severity of the violation, as well as your insurance company’s specific guidelines for handling traffic infractions.[5]
Our research shows that even a single speeding ticket causes average rates to increase by 28% nationwide. Drivers with a recent ticket in Florence pay an average of $305 per month, according to our data, but several insurers offer much lower rates.
The following chart highlights five companies that offer competitive rates for Florence drivers with recent tickets.
Causing an accident can make your rates jump substantially since it indicates to insurers that you’re more likely to file claims in the future, and a higher risk level means you’ll pay a lot more for coverage. For example, our research shows that a single at-fault accident causes average rates to increase by 33% nationwide.
Drivers with a recent accident in Florence pay an average of $318 per month, according to our data, but you can often find a better deal with one of the five insurers highlighted in the chart below.
A driving under the influence (DUI) conviction causes the sharpest increase in car insurance rates of any incident because it represents the riskiest behavior in the eyes of insurance companies.
Our research shows average rates increase by a staggering 59% nationwide after a DUI conviction. Even more challenging, getting a DUI can make it difficult to find coverage at all since some insurance companies won’t offer policies to drivers with recent DUI convictions.[6]
But some insurers specialize in high-risk drivers, including people with DUIs, and can provide the coverage you need.
Drivers with a DUI conviction in Florence pay an average of $314 per month, according to our data, but you’re not necessarily stuck with sky-high rates.
In the chart below, we’ve identified five insurance companies in Florence that offer the most competitive rates for drivers with DUI convictions.
Some insurance companies consider your credit history when calculating your rates because research shows a correlation between credit and claim frequency. Insurance companies use a credit-based insurance score to determine your likelihood of defaulting on your bill or filing claims in the future, but this practice varies by state and company.[7]
Our research shows drivers with poor credit pay an average of 40% more than people with excellent credit. Drivers with poor credit in Florence pay an average of $295 per month, according to our data.
That said, not all companies use credit in their pricing, and some offer extremely affordable rates regardless of your credit history. Check out the five most affordable insurance options for Florence drivers with poor credit scores.
Compare personalized quotes from Florence’s top insurers.
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South Carolina, like nearly every state, requires all drivers to maintain a certain amount of car insurance coverage before getting behind the wheel. Understanding these requirements helps ensure you stay compliant with state law while protecting yourself financially.
South Carolina requires an active car insurance policy with at least the following limits:[8]
Bodily injury liability: $25,000 per person and $50,000 per accident
Property damage liability: $25,000 per accident
Uninsured motorist coverage: $25,000 per person and $50,000 per accident
Most insurance experts recommend buying coverage above the state’s minimum limits because these amounts often won’t cover the full cost of a serious accident.
Consider this: If you cause an accident that results in $75,000 in medical bills for the other driver, your $25,000 in bodily injury coverage would leave you personally responsible for the remaining $50,000. This gap in coverage could put your savings, home, and future earnings at risk.
Here are answers to some of the most common questions Florence drivers ask about car insurance.
Car insurance in Florence costs an average of $195 per month for liability insurance and $307 for full coverage, according to our data. But your actual rates will depend on your personal circumstances.
Whether Florence’s rates seem expensive depends on several factors, including your address, driving history, age, and coverage needs. But for context, the average driver in Florence pays $251 per month, compared to the national average of $150.
USAA offers the cheapest average rates in Florence, at $61 monthly for liability coverage, according to our data. But the cheapest company for you depends on your specific profile.
Our editorial team created this article with the help of highly trained generative AI tools. Additionally, multiple insurance experts — including at least one licensed agent — have rigorously reviewed, fact-checked, and edited every word and data point you see here.
We write, edit, and review all the content on Compare.com according to our strict editorial standards, regardless of how we created it. Learn more about our editorial process.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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