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Cheap Auto Insurance Quotes in Florence, KY (August 2022)

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Tanveen Vohra

By: Tanveen Vohra

Edited by Olivia Oksenhorn | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

Car Insurance in Florence, KY

Florence is a small city in northern Kentucky. While it may not be home to many drivers, it is near the bustling metropolis of Cincinnati, Ohio and is situated right along Interstate 75 in addition to getting traffic from the Burlington Pike and Dixie Hwy. If you decide to drive in Florence, double-check that your auto insurance coverage is the best possible.

With Insurify, you can compare customized insurance quotes from national providers like State Farm and Allstate insurance along with local agencies so you can easily identify the cheapest deal in car insurance. The best part? You don’t have to waste time on hold with an insurance agency because it’s all online. Use Insurify to get free quotes that meet your insurance needs!

Auto insurance rates aren’t just based on the coverage options you choose.The average cost of Kentucky car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates across Kentucky so you can see how Florence compares.

Quick Facts

  • The average cost of car insurance in Florence is $174 per month, or $2088 annually.
  • Car insurance in Florence is $61 less than the average cost of car insurance in Kentucky.
  • The cheapest car insurance provider in Florence on average is Progressive, but you should always compare quotes to find your best personal rate.

Quotes by Top Companies

Allstate
$110
Dairyland
$113
SafeAuto
$135
State Farm
$153
Safeco
$162

Cheapest Car Insurance in Florence, KY

Some car insurance providers are able to offer cheaper car insurance products than others. That’s because every insurance carrier weighs information like your driving record and credit history a little differently. While the following car insurance companies offer the cheapest rates on average, you should also get a free quote from Insurify to estimate your best coverage.
Insurance Provider in FlorenceQuotes
Allstate$110 /mo
Dairyland$113 /mo
SafeAuto$135 /mo
State Farm$153 /mo
Safeco$162 /mo

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Best Car Insurance in Florence, KY

While buying the cheapest possible auto insurance policy may be tempting, not all insurance providers are created equal. It’s important to find an insurance company that is reliable and has good customer service. We evaluated a range of financial strength and customer satisfaction indicators to find the best car insurance companies in Florence:
Best CompaniesScoreQuotes
American Family89$225 /mo
Liberty Mutual82$200 /mo
Travelers80$136 /mo

Average Car Insurance Cost

Kentucky Cities
Louisville$273/mo
Bowling Green$155/mo
Owensboro$137/mo
Covington$148/mo
Florence$162/mo
Kentucky$175/mo
Owensboro
$137
Covington
$148
Bowling Green
$155
Florence
$162
Average for KY
$175
Louisville
$273
Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in Kentucky

All motor vehicles operated or parked on Kentucky roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Kentucky[1] are:

  • $25,000 per person for bodily injury
  • $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Kentucky is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.

  • $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

  • $10,000 per accident for PIP

Personal injury protection coverage, also referred to as PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.

Florence Car Insurance Rates by Driver Age

A driver’s age is one of the most important factors in determining the premium for your auto insurance policy because young drivers are less experienced and more likely to get into a car accident. Drivers in their 50s and 60s, however, can expect to see the lowest rates. You can expect the following average rates for each age group in Kentucky.
Driver's AgeAvg. Monthly Cost
teens$555
20s$293
30s$221
40s$207
50s$193
60s$191
70s$207
80s$239

Florence Car Insurance Rates by Driving and Accident History

Insurance premiums are largely decided by your driving history. A driver with a DUI, an accident, or even traffic infractions such as a speeding ticket on their record will almost always pay more than a driver with a clean record. Here’s what drivers with these issues pay on average for car insurance when compared to drivers with a clean driving record in Florence, Kentucky.
Driving HistoryAvg. Monthly Cost
Clean Record$186
Speeding Ticket$305
At-Fault Accident$319
Failure to Stop for Red Light / Stop SignN/A

Florence Car Insurance Rates by Credit Tier

About 95 percent of insurers use your credit score when determining your rate. That’s because research shows that people with low scores account for a higher percentage of paid claims. If you have excellent credit, you’ll pay less for car insurance than someone with bad credit. Here’s what you can expect to pay for car insurance in Florence, Kentucky, based on your credit score
Credit TierAvg. Monthly Cost
Excellent$181
Good$193
Average$225
Poor$280

Find local Florence agents

  • Adkisson Insurance Agency, Inc.

    1511 Cavalry Dr,
    Florence, KY 41042
  • Budget Guard Services

    73 Cavalier Blvd.,
    Suite 313, Florence, KY 41042
  • Tri-City Insurance Services, Inc.

    234 Main Street,
    Florence, KY 41042
  • Garner Insurance Agency, LLC.

    7430 US 42,
    Suite 207, Florence, KY 41042
  • Heritage Cincinnati Ins Agency

    7000 Houston Rd Bld. 200 # 24,
    Florence, KY 41042
  • Allie Jackson & Associates

    7297 Burlington Pike,
    Florence, KY 41042
  • Michel Insurance Agency, LLC

    7420 US 42,
    Florence, KY 41042
  • C.K. Ash & Associates, Inc.

    8620 Us Highway 42,
    Florence, KY 41042-8502
  • CMI P & C

    7536 US 42 Ste 6,
    Florence, KY 41042
  • Cornerstone - Lillie Insurance

    5915 Centennial Circle,
    Florence, KY 41042
View more

Florence, KY DMV Information

Although Florence is a small city, there are several Driver’s License Offices in and around the area, including one in Florence. Most of these locations are open from 8 a.m. to 4 p.m. Monday through Friday, sometimes making it difficult for working individuals to visit during these hours. The Florence DMV is located at:

8100 Ewing Blvd #120
Florence, KY 41042
(859) 647-8702

Public Transportation in Florence, KY

The city of Florence has made strides to implement public transportation systems and, for such a small area, has done an adequate job thus far. TANK, the Transit Authority of Northern Kentucky, operates four local bus routes, four express options, and a trolley system called the Southbank Shuttle.

If you need more privacy on your route, popular rideshare options like Lyft or Uber are also available. Don’t want to get stuck in Main st traffic? Residents of Florence can also bike and walk to get around the city.

How to get the best and cheapest car insurance in Florence, KY

The best way to get the cheapest auto insurance policy in Florence, Kentucky is to compare customized car insurance quotes using Insurify. Whether you’re looking for minimum coverage or full-coverage insurance with roadside assistance, Insurify can help. You can find multiple quotes all in one place instead of spending hours talking to local agents.

Even if you’re happy with your current auto insurance policy, it’s never a bad idea to spend some time exploring to see whether you’re getting the best deal out there. Let Insurify provide you with insurance solutions for car insurance and homeowners insurance and get quotes in under five minutes without ever having to talk to an insurance agent.

FAQs - Florence, KY Car Insurance

  • You can use Insurify to identify the car insurance companies that can offer you the cheapest premiums in Florence. The average Insurify user saves $585 per year just by switching to a cheaper provider they found on the platform. Another great way to save is by bundling your life insurance and your home insurance or renters insurance with your auto insurance policy.
  • Florence auto insurance coverage costs an average of $140 per month, or $1,680 per year. It’s important to note though that car insurance policy costs vary based on individual factors like your credit score or the type of coverage you choose. For example, a liability policy will cost significantly less than a full coverage auto insurance policy.
  • As a whole, the state of Kentucky has more driver fatalities than the national average, leading to more expensive rates for motorists. Keep in mind that your individual premium is based on a number of factors, including your driving record.

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  • Personalized quotes in 5 minutes or less
  • No signup required
  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Insurify Insights

How Florence Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Florence, Kentucky below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Florence drivers measure up to their fellow motorists across Kentucky in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

honda

Honda Civic

Most Popular Car in Florence

#8

City with the Most Speeding Tickets Rank in Kentucky

#23

City with the Most Moving Violations Rank in Kentucky

#39

City with the Most DUIs Rank in Kentucky

#30

City with the Most Suspended Licenses in Kentucky

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Florence drivers rank 4 in the number of car accidents per driver across all cities in Kentucky.

    • Rank within state: #4
    • Percent of drivers in Florence with an accident: 9.56%
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Florence drivers rank 39 in the number of DUI’s per driver across all cities in Kentucky.

    • Rank within state: #39
    • Percent of drivers in Florence with a DUI: 1.1%
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Kentucky, Florence drivers rank 13 in the number of reckless driving offenses per driver.

    • Rank within state: #13
    • Percent of drivers in Florence with a reckless driving offense: 0%
  • The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Kentucky, Florence drivers rank 9 in rude driving infractions.

    • Rank within state: #9
    • Percent of drivers in Florence with a reckless driving violation: 0.91%
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Kentucky, Florence drivers rank 8 in the number of speeding infractions per driver.

    • Rank within state: #8
    • Percent of drivers in Florence with a speeding ticket: 8.8%
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Florence drivers rank 26 in clean driving records across all cities in Kentucky.

    • Rank within state: #26
    • Percent of drivers in Florence with clean record: 16.82%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Florence drivers rank 19 in hybrid and electric vehicle ownership across all cities in Kentucky.

    • Rank within state: #19
    • Percent of drivers in Florence with a hybrid/electric vehicle: 0.31%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Tanveen Vohra
Tanveen Vohra
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Insurance Content Project Manager

Tanveen Vohra is an insurance content manager at Insurify specializing in writing about property and casualty insurance. Through her work, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions.

Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others.

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Sources

  1. Kentucky Department of Insurance. "State Minimum Car Insurance Requirements." Accessed May 28, 2022