Cheapest Auto Insurance in Florence, South Carolina (2024)

USAA offers the cheapest car insurance in Florence, with minimum-coverage policies as low as $61 per month.

Anna Baluch
Written byAnna Baluch
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Anna BaluchInsurance Writer
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Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.

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Chris Schafer
Edited byChris Schafer
Chris Schafer
Chris SchaferSenior Editor
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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications, Triple-I
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Updated December 19, 2024

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Cheapest recent rates near Florence, South Carolina

Drivers using Insurify have found quotes as cheap as $57/mo for liability only and $107/mo for full coverage in Florence and other South Carolina cities.

*Quotes generated for Insurify users in and around Florence, South Carolina within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Florence, South Carolina within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Florence is known for the South Carolina Pecan Trail and Lynches River Park. Due to its prime location at the intersections of I-95 and I-20, it’s considered a busy hub for travelers and, as such, its congested highways contribute to higher car insurance rates than many other areas of the state.

If you live in Florence and are looking for car insurance, you might pay around $200 per month for a liability-only policy and $329 for full coverage. But you have ways to reduce your car insurance bill.

Here’s what you need to know about comparing quotes and finding affordable car insurance in Florence.

Quick Facts
  • The cheapest car insurance companies in Florence are USAA, Auto-Owners, and State Farm, with USAA offering the lowest average rate for a liability-only policy at $61 per month.

  • Even though Florence has fewer people than other cities in South Carolina, like Charleston, Columbia, and Mount Pleasant, its car insurance premiums are higher.

  • Drivers living in Florence with a suspended license must get their new insurer to file a certificate of insurance (SR-22) for three years from the date of the suspension.[1]

3 of the cheapest car insurance companies in Florence

Finding cheap auto insurance in Florence is important, but it takes some time and effort to lock in a great deal. You can start your search with the three insurers listed below.

Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best For
USAA9.4$91$52Military members and veterans
Allstate8.9$156$89Low-mileage drivers
GEICO9.0$108$62Young drivers
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for military members and veterans: USAA

User Reviews
4.9
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.4 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$61/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$107/mo
4.9
Best choiceBased on 1,646 verified guest reviews and ratings
How drivers feel about USAA

Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA

Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (940)

Arlington

December 18, 2024

Verified Review

Mediocre

It's too hard to get past all the checks and balances to verify you're a member. There are too many questions and memory items to get past their firewall. Lastly, everyone is working remotely, and you can hear the family activities in the background.

Peter

December 18, 2024

Verified Review

Not Happy with USAA

They increase premium rates without notifying you well in advance. They even raise the premium for a minor fender bender, like pulling out of a driveway into an illegally parked vehicle.

Donna

December 17, 2024

Verified Review

I was in an accident which was not my fault, and my insurance increased to $118 a month. I don't drive my car much, less than 50 miles a day. Additionally, I have home insurance with USAA and my payment increased by $100. As a veteran, I find this totally wrong.

I was in an accident which was not my fault, and my insurance increased to $118 a month. I don't drive my car much, less than 50 miles a day. Additionally, I have home insurance with USAA and my payment increased by $100. As a veteran, I find this totally wrong.
See all USAA reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

Florence has a rich military heritage and a significant veteran population. Fortunately, active-duty military members and veterans in the area, as well as their families, can lock in cheap car insurance coverage with USAA. To take advantage of an auto policy from USAA, you must have ties with the military community and become a member.

Pros
  • Drivers can save money with SafePilot, a usage-based telematics program

  • A++ (Superior) financial strength rating from AM Best, the highest level possible

Cons
  • Must be a qualifying member of the military community to join USAA

  • No 24/7 customer service phone support

Best insurer for low-mileage drivers: Allstate

User Reviews
4.0
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.9 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$105/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$185/mo
4.0
Best choiceBased on 5,747 verified guest reviews and ratings
How drivers feel about Allstate

Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.

AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate

Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.

AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,131)

Edward

December 19, 2024

Verified Review

A Company with Many Years of Experience

Allstate has been good for me for many years with mediocre pricing.

Barbara

December 18, 2024

Verified Review

Allstate? Ugh!

Clearly, it's not good, or else why would I be shopping for a new policy.

Steven

December 18, 2024

Verified Review

Overpriced

Expensive.
See all Allstate reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-
Why we picked this company

Approximately 30,000 adults live in Florence, including about 7,500 seniors who may only drive on occasion. Senior drivers and other South Carolinians who drive infrequently can find low car insurance rates with Allstate. While the car insurance company offers traditional car insurance, it also offers Milewise to provide pay-per-mile coverage, which can save you a lot of money if you don’t drive very often.

Pros
  • Traditional and pay-per-mile policies

  • Many discounts advertised

Cons
  • Lower-than-average customer satisfaction rating for the Southeast in J.D. Power's 2023 Auto Insurance Study

  • Premiums can be high for drivers with traffic violations

Best insurer for young drivers: GEICO

User Reviews
4.0
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.0 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$72/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$127/mo
4.0
Best choiceBased on 10,464 verified guest reviews and ratings
How drivers feel about GEICO

Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO

Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,755)

Dianna

December 19, 2024

Verified Review

Roadside Assistance

When I needed emergency services on the road, they wanted me to go online. That was not possible at the time and they were not helpful.

Alan

December 18, 2024

Verified Review

Satisfied but too expensive

My experience with GEICO was good. They offer great coverage for the price and I'd recommend them to a friend. However, they are a bit more pricey but provide great services all the way around.

Samol

December 18, 2024

Verified Review

Geico is Good Insurance

It's excellent, but after a few accidents, the rates are creeping upwards.
See all GEICO reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

Florence has many young drivers in its general population, thanks in part to local colleges like Frances Marion University and Florence-Darlington College. Fortunately, GEICO offers a number of discounts for young drivers, like a driver’s education discount, a defensive driving discount, and a good student discount. These discounts can help young drivers score a good deal on an auto policy in Florence.

Pros
  • Advertised discounts for young drivers

  • Robust mobile app

Cons
  • No gap insurance

  • Limited local agents available

How to get the cheapest car insurance in Florence

Each auto insurance company in South Carolina sets its own rates, so it’s a good idea to explore all your options. Here are several tips to help you secure the best deal on car insurance in Florence:

  • Shop around. Ask for car insurance quotes from at least three different companies. This way, you can hone in on the cheapest rate for your unique needs.

  • Take advantage of available discounts. Most car insurance companies offer a variety of discounts you might be eligible for. A few examples include multi-car discounts, anti-theft device discounts, and good driver discounts.

  • Consider pay-per-mile insurance. If you drive fewer than 10,000 miles per year, you may benefit from a pay-per-mile policy. You’ll pay only for the miles you drive.

  • Drive safely. Speeding tickets, at-fault accidents, and DUIs can increase your car insurance rates dramatically. Practice responsible driving habits to reduce your risk of these violations.

  • Bundle. Some car insurers offer a significant discount if you bundle your auto policy with another type of insurance, like homeowners insurance, renters insurance, or motorcycle insurance.

Find Car Insurance in Florence, South Carolina

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Cheapest liability-only car insurance in Florence: USAA

You must purchase liability insurance to drive legally in South Carolina. After an at-fault accident, your liability policy will cover the property damage and medical expenses of the other driver and their passengers.

The average rate for liability insurance in Florence is $200 per month. Here’s a look at the most affordable liability-only insurance companies in Florence.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST
Insurance Company
Average Monthly Quote
USAA$61
Auto-Owners$66
State Farm$67
GEICO$72
Nationwide$99
Allstate$105
Safeco$113
Travelers$113
Progressive$121
State Auto$138
Direct Auto$179
Dairyland$192
National General$192
Liberty Mutual$218
The General$224
AssuranceAmerica$262
Bristol West$271
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Florence: USAA

Full-coverage car insurance often includes three types of coverages: liability, collision, and comprehensive. While it’s usually optional, you may have to purchase this insurance if you have a loan or lease on your vehicle.

Full coverage is more expensive than liability insurance because of its enhanced protections. On average, Florence drivers pay $329 per month for full coverage. Here, you can see a collection of affordable insurers in the area.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST
Insurance Company
Average Monthly Quote
USAA$107
Auto-Owners$114
State Farm$118
GEICO$127
Safeco$169
Nationwide$174
Allstate$185
Progressive$193
Travelers$198
Root$233
State Auto$240
National General$289
Direct Auto$298
AssuranceAmerica$336
Liberty Mutual$363
Dairyland$405
The General$448
Bristol West$480
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Florence, South Carolina

Drivers using Insurify have found quotes as cheap as $71/mo for liability only and $100/mo for full coverage in Florence and other South Carolina cities.

*Quotes generated for Insurify users in and around Florence, South Carolina within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Florence, South Carolina within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in South Carolina

South Carolina is an at-fault, or tort, state. This means the at-fault driver must pay for the damage and injury costs of the drivers and passengers in the other vehicle(s). The Palmetto State requires drivers to carry bodily injury, property damage liability, and uninsured motorist coverage to drive legally.

You may also purchase optional auto insurance coverage for additional protection and peace of mind. If you’re unable to show proof of insurance, you’ll likely face legal and financial consequences.

Your insurance coverage must meet the following minimum requirements in South Carolina:

Coverage
Minimum Requirements
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$25,000 per accident
Uninsured motorist coverageEqual to the minimum amounts of liability coverage (25/50/25)

If you’d like to invest in coverage that extends beyond the required minimum, you might consider the following policies:

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance can cover non-collision damages to your car, like theft, vandalism, fire, severe weather, falling objects, and cracked windshields.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision coverage pays to repair your vehicle if you hit an object or another vehicle, regardless of who’s at fault. It also covers damage from rollover accidents and hitting potholes.

  • illustration card https://a.storyblok.com/f/162273/150x150/f2122c3094/car-and-driving-96x96-orange_002-new-car.svg

    Gap coverage

    Guaranteed asset protection, or gap coverage, can protect you if your car gets totaled and the estimated value of the car is less than the amount you still owe on the vehicle.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    If an uninsured driver causes an accident that damages your vehicle, your uninsured/underinsured motorist coverage can help cover your costs. It can also help in case of hit-and-run accidents.

  • illustration card https://a.storyblok.com/f/162273/150x150/d7333ddf2e/car-and-driving-96x96-orange_046-car-accident.svg

    Accident forgiveness

    An at-fault accident can significantly increase your car insurance rates for several years. But if you buy accident forgiveness coverage before something happens, your insurance company will keep your rate stable following your first at-fault accident. You generally need to have a clean driving record for at least three years to qualify to buy this coverage.

Shop for Car Insurance in Florence, SC

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Cheapest car insurance for drivers with an incident

Incidents like at-fault accidents, speeding tickets, and DUIs can increase your car insurance rates for several years. This is because car insurers perceive these violations as high-risk driving behavior that makes you more likely to file a claim in the future.

Here’s a look at how different incident types affect your car insurance rates.

Cheapest car insurance for drivers with a speeding ticket: USAA

Because speeding may increase your risk of losing control of your vehicle and causing a car accident, it can lead to higher premiums for three to five years. Florence drivers with a speeding ticket pay an average cost of $270 per month for liability coverage.

Here’s an overview of liability-only quotes from the cheapest car insurers for drivers with a speeding ticket in Florence.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST
Insurance Company
Clean Driving Record
With Speeding Ticket
USAA$61$78
Auto-Owners$66$85
State Farm$67$84
GEICO$72$92
Nationwide$99$127
Allstate$105$134
Safeco$113$146
Travelers$113$145
Progressive$121$153
State Auto$138$189
Direct Auto$179$229
Dairyland$192$245
National General$192$246
Liberty Mutual$218$299
The General$224$292
AssuranceAmerica$262$332
Bristol West$271$348
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: USAA

An at-fault accident may raise your car insurance rates for three to five years, so it’s a good idea to shop around, explore different coverage options, and find affordable auto insurance. Note that your car insurance premiums may not increase if you have accident forgiveness on your policy.

The average cost of liability coverage with an accident on your record is $279 per month. Below, you’ll find liability-only quotes from the cheapest insurance companies in Florence for drivers with an at-fault accident on their records.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST
Insurance Company
Clean Driving Record
With Accident
USAA$61$81
Auto-Owners$66$89
State Farm$67$89
GEICO$72$96
Nationwide$99$133
Allstate$105$140
Safeco$113$150
Travelers$113$152
Progressive$121$163
State Auto$138$200
Direct Auto$179$244
Dairyland$192$254
National General$192$255
Liberty Mutual$218$310
The General$224$305
AssuranceAmerica$262$341
Bristol West$271$362
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: USAA

A DUI is a serious traffic violation, one that stays on your record permanently in South Carolina. In addition to fines and jail time, you may face higher rates than other drivers for an auto policy. And the South Carolina Department of Motor Vehicles (DMV) might require you to purchase SR-22 insurance.

Florence drivers with a DUI on their record pay a monthly average of $99 for liability coverage. Here’s a look at the most affordable liability-only car insurance companies in Florence for drivers with DUIs.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST
Insurance Company
Clean Driving Record
With DUI
USAA$61$99
Auto-Owners$66$107
State Farm$67$109
GEICO$72$117
Nationwide$99$161
Allstate$105$170
Safeco$113$165
Travelers$113$183
Progressive$121$196
State Auto$138$224
Direct Auto$179$290
Dairyland$192$311
National General$192$311
Liberty Mutual$218$353
The General$224$363
AssuranceAmerica$262$425
Bristol West$271$439
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: USAA

Overall, senior drivers enjoy the lowest car insurance rates of any age group. But around age 70, seniors' rates increase slightly due to factors like potential health concerns and increased accident risks.

Senior drivers in Florence pay an overall monthly average of $217 for car insurance. To find affordable coverage as a senior in Florence, here’s an overview of the cheapest car insurance options in the area.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST
Insurance Company
Full Coverage
Liability Only
USAA$85$49
Auto-Owners$90$52
State Farm$91$52
GEICO$101$57
Nationwide$129$74
Progressive$139$87
Safeco$144$96
Allstate$148$84
Travelers$154$88
State Auto$179$103
National General$220$146
Direct Auto$231$139
AssuranceAmerica$253$197
Liberty Mutual$302$181
Dairyland$322$153
The General$361$180
Bristol West$383$216
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: USAA

Teenagers pay some of the highest insurance rates on the market. This is due to their relative inexperience and the increased likelihood of dangerous driving behaviors, like speeding and distracted driving, which lead to higher accident risk. Florence teen drivers pay an overall average of $493 per month for car insurance.

Fortunately, teens can save money if they stay on their parents’ policy or take advantage of a good student discount. Drivers younger than 18 can't legally buy their own policy without the written consent of a parent or guardian. The table below highlights the cheapest car insurance companies for teens and young drivers in Florence.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST
Insurance Company
Full Coverage
Liability Only
USAA$189$108
Auto-Owners$201$116
State Farm$214$121
GEICO$215$122
Nationwide$321$182
Safeco$336$225
Allstate$348$197
Progressive$355$223
Travelers$377$215
State Auto$448$258
Direct Auto$572$343
National General$594$395
AssuranceAmerica$646$504
Liberty Mutual$652$392
Dairyland$686$325
The General$750$375
Bristol West$851$480
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Florence car insurance quotes by credit tier

Research shows that drivers with good to excellent credit usually file fewer claims than drivers with poor credit. This is why most South Carolina auto insurers use drivers' credit histories to generate credit-based insurance scores to help determine rates. Even though looking at credit histories is illegal in some states, South Carolina allows car insurance companies to consider them when offering policies.

The chart below shows how your credit tier can affect your rates in Florence.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Florence?

The average liability-only car insurance premiums in Florence are a bit more expensive than the national average. It’s also important to note that car insurance costs in South Carolina vary by city and ZIP code due to factors like population, weather conditions, traffic congestion, and accident/crime rates.

More cities in South Carolina

Car insurance rates in Florence are comparable to those in many other communities in South Carolina. A liability-only policy in Florence costs $145 per month, on average.

Here’s an overview of the average monthly cost of liability-only and full-coverage car insurance in various cities in South Carolina and how they compare to Florence.

City
Full Coverage
Liability Only
Anderson$251$145
Charleston$314$202
Columbia$304$190
Greenville$269$168
Lancaster$294$180
Rock Hill$270$184
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Florence car insurance FAQs

Looking for more information to help you secure the best car insurance rates in Florence? The answers below can help.

  • How much is car insurance in Florence, South Carolina?

    The overall average cost of car insurance in Florence is $264. The average rate for liability-only coverage is $200 per month, and the average monthly rate for full coverage is $329. This makes Florence one of the most expensive cities in South Carolina for car insurance.

  • Which company has the cheapest car insurance in Florence?

    USAA, Auto-Owners, and State Farm offer the cheapest car insurance in Florence. They have respective monthly liability rates of $61, $66, and $67.

  • What are the best car insurance companies in Florence?

    Allstate, USAA, and GEICO rank as three of the top insurers in Florence. Each insurer has an Insurify Quality Score of 8.9, 9.4, and 9.0, respectively. In addition, each of these national insurers ranks highly for customer service, discounts offered, and financial stability.

  • How much is car insurance per month in South Carolina?

    The overall average monthly rate for car insurance in South Carolina is $222. The average monthly rate for liability-only coverage is $168, and the average monthly rate for full coverage is $276.

  • What are the minimum South Carolina car insurance requirements?

    To drive legally in South Carolina, you must have insurance coverage that meets the state’s minimum requirements. These requirements include bodily injury liability ($25,000 per person and $50,000 per accident), property damage liability ($25,000 per accident), and uninsured motorist coverage equating to the minimum liability amounts of 25/50/25.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. South Carolina DMV. "Facts About Driving Uninsured."
Anna Baluch
Anna BaluchInsurance Writer

Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.

Anna has been a contributor at Insurify since December 2022.

Chris Schafer
Edited byChris SchaferSenior Editor
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications, Triple-I
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications, Triple-I
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

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