Cheap Auto Insurance Quotes in Florence, KY (2021)

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With a population of just under 30,000 people, 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 and is situated right along Interstate 75. This makes it a popular spot for people to stop and eat or refuel during a road trip. If you decide to drive in Florence, make sure to give yourself extra time to reach your destination, and double-check that your auto coverage gives you everything you need.

Car Insurance in Florence, KY

The average cost of Kentucky car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Florence, KY to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
$40
$110
$143
$153
$186
ProgressiveAllstateTravelersState FarmThe General
Monthly $

Cheapest Car Insurance in Florence, KY

Here are the cheapest carriers in Florence for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance in Florence, KY

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Florence. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$171
$273
$155
$137
$148
$140
KentuckyLouisvilleBowling GreenOwensboroCovingtonFlorence
Monthly $

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Florence, KY Driving Facts

kentucky

Minimum Car Insurance Requirements in KY

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 available when:

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

The minimum liability car insurance requirements for private passenger vehicles in Kentucky are as follows:

  • $25,000 per person/$50,000 per accident for Bodily Injury (BI)

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Kentucky state law are $25,000 for the death or injury of a single victim as a result of a car accident and $50,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 25/50, referring to the dollar limitations of each minimum. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Kentucky law.

  • $25,000/accident for Property Damage (PD)

The state minimum amount of property damage liability coverage required in the state of Kentucky is $25,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

  • $10,000/person Personal Injury Protection (PIP)

Personal Injury Protection (PIP) provides coverage for medical costs that drivers and their passengers may face after an accident. PIP coverage protects drivers even if they are found at-fault. Medical expenses are covered by this type of protection, and a minimum of $10,000 is required for minimum coverage in Kentucky. 

Florence Car Insurance Rates by Driver Age

The average auto insurance rates in Florence follow a similar trend that can be seen in other cities across the country: younger drivers pay more for coverage. Premiums for teenage drivers tends to be about $392.29, making them the highest average out of all age groups. Those in their 20s also have high rates, averaging $206.53 per month. As drivers get older and gain more experience, their average premiums drop, which is why those in their 60s have the lowest average, at $127.77.

Driving History
No Violation$171
Speeding Ticket$248
At-Fault Accident$284
Failure to Stop for Red Light / Stop Sign$230

Florence Car Insurance Rates by Driving and Accident History

Maintaining a clean driving record and remaining accident-free can be beneficial to keeping auto insurance rates down if you live in Florence. Drivers with no prior violations or accidents are less likely to get into an accident and, as such, are cheaper to insure. Therefore, they have the lowest average premium rate, at $170.68. Motorists with violations may have to pay more in premiums, depending on what violation is on their record. For instance, at-fault accidents often carry the heaviest penalty and can result in an average premium of $283.74.

Florence Car Insurance Rates by Credit Tier

Having a high credit score not only means that you can more easily get approved for a loan, but it may also help in obtaining a lower average premium on your auto insurance. Florence drivers who currently have an excellent credit rating are seen as less risky and often given the best rates. On average, someone in this category would pay $159.04 for coverage. Conversely, the category right under excellent, good, shows an increased premium price to $216.23. Luckily, improving credit scores is just a matter of paying debt down and making payments on time.

Florence, KY DMV Information

Although Florence is a small city, it’s home to several Driver’s License Offices in and around the area. 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. Customers often claim that employees at these offices are friendly and efficient, making wait times shorter than you’d normally expect.

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.

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

Don’t let this small city fool you. Driving in Florence may be difficult at times, depending on who’s passing through. While you likely won’t encounter traffic like you’d see in a larger city, motorists should still use caution on the road. With so many uninsured people behind the wheel, it’s smart to make sure you’re enrolled in adequate car insurance coverage.

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. Visit Insurify today to compare quotes from multiple companies at once and save money in a matter of minutes!

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

Insurify Insights: How Florence Drivers Measure Up

honda
Honda Civic
Most Popular Car in
Florence, KY
suspended licenses
#12
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Florence drivers measure up to their fellow Kentucky motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Florence

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 20 in the number of car accidents per driver across all cities in Kentucky.

  • Rank within state: #20
  • Percent of drivers in Florence with an accident: 8.45%
  • Drivers in Florence, KY with an accident in their driving history paid on average 23.43% more than drivers with a clean record

Speeding Florence

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 19 in the number of speeding infractions per driver.

  • Rank within state: #19
  • Percent of drivers in Florence with a speeding ticket: 7.57%
  • Drivers in Florence, KY with a speeding ticket in their driving history paid on average 35.43% more than drivers with a clean record

DUI/DWIs Florence

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Florence drivers rank 31 in the number of DUI’s per driver across all cities in Kentucky.

  • Rank within state: #31
  • Percent of drivers in Florence with a DUI: 1.94%
  • Drivers in Florence, KY with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle Florence

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Florence is the Honda Civic.

Rude Florence

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 4 in rude driving infractions.

  • Rank within state: #4
  • Percent of drivers in Florence with a reckless driving violation: 1.41%
  • Drivers in Florence, KY with a reckless driving violation in their driving history paid on average --% more than drivers with a clean record.

Safest Drivers Florence

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Florence drivers rank 7 in clean driving records across all cities in Kentucky.

  • Rank within state: #7
  • Percent of drivers in Florence with clean record: 83.8%

Failure to Yield the Right of Way Florence

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Florence drivers rank 6 in failure to yield violations per driver across all cities in Kentucky.

  • Rank within state: #6
  • Percent of drivers in Florence with a failure to yield violation: 0.18%
  • Drivers in Florence, KY with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers Florence

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 14 in the number of reckless driving offenses per driver.

  • Rank within state: #14
  • Percent of drivers in Florence with a reckless driving offense: --%

FAQs - Florence, KY Car Insurance

What makes car insurance in Florence so costly?

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.

What happens if I drive without auto coverage in Florence?

If you’re found driving without insurance, you could be subject to 90 days in jail or fined between $500 and $1,000. Your vehicle registration may also be revoked. Despite these consequences, over 15 percent of Kentucky residents choose to drive without insurance.

How can I find cheap car insurance in Florence?

Motorists looking to save money on their auto coverage can compare real-time quotes quickly and easily at Insurify. Simply answer a few questions, and you’ll be able to see a range of options and enroll in the best one for you.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.