Cheap Auto Insurance Quotes in Florence, KY (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

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.

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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

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Florence, KY Driving Facts

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.

Driver's AgeAvg. Monthly Cost
Driving HistoryAvg. Monthly Cost
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.

Credit TieAvg. Monthly Cost

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!

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Florence stacks up for the state of Kentucky:

Honda Accord
Most Popular Car in
Florence, KY
suspended licenses
Cities with Most
Suspended Licenses Rank

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.