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

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Last Updated: January 2022

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.
$110
$113
$135
$153
$162
AllstateDairylandSafeAutoState FarmSafeco

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.

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:

Average Car Insurance Cost

$175
$273
$155
$137
$148
$162
KentuckyLouisvilleBowling GreenOwensboroCovingtonFlorence
Click here to learn about car insurance quotes and save on your current policy.

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

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.
Driving History
Clean Record$186
Speeding Ticket$305
At-Fault Accident$319
Failure to Stop for Red Light / Stop SignN/A

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.

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

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.

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
#9
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 in 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 in 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 in 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 in 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 Drivers in 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 in 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 in 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 in 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: --%

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

How do I find cheap car insurance in Florence, Kentucky?

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.

How much does car insurance cost in Florence, Kentucky?

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.

What drives up car insurance rates in Florence, Kentucky?

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.

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.


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