120+ more*Quotes generated for Insurify users in and around Florence, South Carolina within the last 10 days. Last updated on September 23, 2026. 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 September 23, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
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Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Updated
The average full-coverage car insurance premium in Florence is $296 per month, while liability coverage averages $178 per month.
Florence has higher average rates than nearby Sumter and Columbia, partly due to the city’s rising rate of fatal crashes over the past three years.[1] Florence also has a higher vehicle theft rate than other South Carolina cities. More accidents and thefts increase the risk of claims, so insurers tend to charge higher premiums.
USAA offers the most affordable liability car insurance in Florence, with an average rate of $83 per month. Auto-Owners and State Farm also offer low rates for Florence drivers.
The average liability-only rate in Florence is $178. That’s usually higher than the overall average for liability coverage in South Carolina.
South Carolina requires drivers to have a minimum amount of car insurance. South Carolina car insurance requirements include 25/50/25 liability insurance and uninsured motorist coverage.[2] That means you need $25,000 per person and $50,000 per accident of bodily injury liability coverage, and $25,000 of property damage liability coverage.
The table below shows the companies with the cheapest liability car insurance in Florence.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| USAA | $83 |
| Auto-Owners | $90 |
| State Farm | $92 |
| GEICO | $126 |
| Allstate | $144 |
| Progressive | $146 |
| Travelers | $155 |
| Safeco | $164 |
| Direct Auto | $183 |
| State Auto | $187 |
| National General | $188 |
| Root | $195 |
| GAINSCO | $209 |
| Dairyland | $211 |
| Liberty Mutual | $218 |
| The General | $218 |
| AssuranceAmerica | $219 |
| First Acceptance | $245 |
| Hugo | $265 |
| Bristol West | $308 |
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USAA has the cheapest full-coverage car insurance in Florence, with an average monthly premium of $137.
While South Carolina doesn’t require full coverage, many Florence drivers can benefit from it. Full coverage includes liability insurance, plus comprehensive and collision coverage. Comprehensive insurance helps cover damage from South Carolina’s weather risks, such as flooding and high winds from hurricanes.
The table below shows which insurers offer the cheapest full-coverage car insurance in Florence.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| USAA | $137 |
| Auto-Owners | $146 |
| State Farm | $150 |
| GEICO | $191 |
| Safeco | $211 |
| Progressive | $224 |
| Allstate | $235 |
| Travelers | $252 |
| Direct Auto | $284 |
| National General | $284 |
| Root | $293 |
| State Auto | $307 |
| AssuranceAmerica | $309 |
| Liberty Mutual | $356 |
| GAINSCO | $387 |
| First Acceptance | $389 |
| Dairyland | $412 |
| The General | $458 |
| Bristol West | $520 |
Car insurance rates in South Carolina vary by city. North Charleston is the most expensive city for car insurance in the Palmetto State, while Hilton Head Island is one of the cheapest. Car insurance is on the expensive side in Florence. Drivers in the city typically pay more for coverage than the average cost of car insurance in South Carolina.
Florence tends to have higher car insurance rates than other cities because it has more high-risk drivers. About 1% of Florence drivers have a driving under the influence (DUI) conviction, more than the state average, according to Insurify data. South Carolina drivers with a DUI typically pay more for coverage and may have to file an SR-22 certificate.
The table below shows the average cost of car insurance in other South Carolina cities.
City | Average Monthly Quote |
|---|---|
| Hilton Head Island | $173 |
| Aiken | $177 |
| Fort Mill | $182 |
| Greer | $182 |
| Anderson | $187 |
| Bluffton | $192 |
| Greenville | $198 |
| Spartanburg | $198 |
| Lexington | $199 |
| Myrtle Beach | $200 |
| Rock Hill | $203 |
| Conway | $214 |
| Sumter | $221 |
| Lancaster | $231 |
| Columbia | $232 |
| Summerville | $239 |
| Charleston | $240 |
| North Charleston | $247 |
Car insurance premiums in Florence tend to be expensive because the city has a high vehicle theft rate. Florence ranked No. 39 in the U.S. for car thefts in the first half of 2025.
The city’s high DUI rate and severe weather risks, like hurricanes, flooding, and tornadoes, also drive up insurance prices.
Many car insurance companies in South Carolina offer discounts to help lower your rate. For example, you can typically save money when you bundle car insurance with homeowners or renters insurance.
*Quotes generated for Insurify users in and around Florence, South Carolina within the last 10 days. Last updated on September 23, 2026. 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 September 23, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Your driving history has a big effect on finding affordable car insurance in Florence. Drivers with a history of violations usually pay more for coverage. Here are the cheapest insurers in Florence for different driving records:
Cheapest car insurance for Florence drivers with a clean driving record: USAA
Cheapest car insurance for drivers with a speeding ticket in Florence: USAA
Cheapest car insurance for Florence drivers with an at-fault accident: USAA
Cheapest car insurance for drivers with a DUI in Florence: USAA
Florence drivers with an incident on their record usually pay more for coverage than people with a clean record. Insurify data found that 5% of drivers in Florence have been in an accident, and 5% have a speeding ticket on their record.
If law enforcement catches you speeding in South Carolina, the state DMV will add points to your license. The number of points varies depending on the violation, but it’s usually two to six. While points drop off over time, you might also be able to remove some by completing an approved defensive driving course.[3]
Below, you can see the average monthly car insurance quote in Florence based on driving record.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $237 |
| Speeding ticket | $286 |
| At-fault accident | $306 |
| DUI | $294 |
If you drive frequently in Florence, here are some helpful things to keep in mind:
Free parking downtown: Downtown Florence has more than 2,500 free parking spaces, including two free parking garages. Free parking is great if you’re visiting the Downtown Loop walking trail, Florence County Museum, or City Center Farmers Market.
Flooding: More than 170 square miles of Florence County are in a Federal Emergency Management Agency (FEMA) flood zone.[4] It’s important to take precautions when driving or parking your car in or around Florence during storms or heavy rain.
No deductible on glass claims: South Carolina prohibits insurers from charging a deductible for glass claims that raise safety concerns.
Vehicle thefts: Florence has a high number of vehicle thefts. Make sure to lock your doors, take belongings with you, and park your vehicle in a garage when possible.
Florence is a smaller city, so it doesn’t experience as much congestion as larger metro areas, like Charleston or Greenville. But you might experience backups during rush hour on major roads, like Interstate 95 and I-20. Traffic around Florence can also build during the school year, with Francis Marion University nearby.
The average Florence resident has a 19-minute commute, which is shorter than the South Carolina average of 26 minutes. Less time on the road reduces the risk of accidents and claims.
Young drivers in Florence typically pay more for car insurance than older drivers. The city’s average premium for teens is $530 per month for full coverage and $319 per month for minimum coverage.
In South Carolina, teens can get a learner’s permit at age 15 and a full driver’s license at 15 and a half.[5] Teens initially have restrictions on when they can drive. They’ll receive full driving privileges when they turn 17, as long as they don’t have any traffic violations or at-fault accidents on their record.
The table below shows the cheapest car insurance quotes in Florence for teenagers.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| USAA | $150 |
| State Farm | $176 |
| Auto-Owners | $179 |
| GEICO | $225 |
| Allstate | $258 |
| Progressive | $261 |
| Root | $290 |
| Travelers | $317 |
| Safeco | $330 |
| Direct Auto | $352 |
| Dairyland | $360 |
| GAINSCO | $362 |
| National General | $368 |
| Liberty Mutual | $377 |
| The General | $389 |
| First Acceptance | $438 |
| State Auto | $441 |
| AssuranceAmerica | $447 |
| Hugo | $474 |
| Bristol West | $538 |
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The cheapest car insurance company for seniors in Florence is USAA, with an average rate of $69 per month.
About 18% of people in Florence are 65 or older, but senior drivers cause a large portion of accidents.[6] Each year, older drivers cause roughly 17% of all serious injury accidents in South Carolina. While seniors usually pay less for car insurance, a history of accidents can increase rates.
Below, you’ll find the cheapest car insurance premiums for seniors in Florence.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| USAA | $69 |
| Auto-Owners | $73 |
| State Farm | $74 |
| GEICO | $103 |
| Travelers | $127 |
| Allstate | $131 |
| Progressive | $132 |
| State Auto | $145 |
| Safeco | $146 |
| National General | $152 |
| Direct Auto | $154 |
| AssuranceAmerica | $176 |
| Dairyland | $183 |
| GAINSCO | $184 |
| Root | $184 |
| Liberty Mutual | $185 |
| The General | $190 |
| First Acceptance | $222 |
| Hugo | $240 |
| Bristol West | $263 |
If you’re shopping for the cheapest car insurance in Florence, here’s some information to keep in mind when comparing quotes and policies.
The average cost of Florence car insurance is $296 per month for full coverage and $178 per month for minimum coverage. But your rates can vary by a variety of factors, including your age, ZIP code, and driving record.
USAA, Auto-Owners, and State Farm are the cheapest car insurance companies in Florence. But car insurance rates depend on many factors, including your ZIP code, driving record, and the car you drive.
South Carolina law requires drivers to have at least $25,000 per person and $50,000 per accident of bodily injury liability coverage, and $25,000 of property damage liability coverage. You also need uninsured motorist (UM) coverage matching your liability limits. Car insurance companies must offer underinsured motorist (UIM) insurance, but you don’t have to buy it.
South Carolina doesn’t require drivers to have full coverage, but it can be useful in the Palmetto State. Full coverage typically includes liability, collision, and comprehensive insurance. Comprehensive coverage can help pay for damage from theft and severe weather, which can be especially important after a hurricane.
Insurify data scientists analyzed more than 250 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 500+ 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
