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.
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Reviewed byMark Friedlander
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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 November 20, 2024
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Table of contents
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 ▲▼ |
|---|---|---|---|---|
| USAA | 9.4 | $91 | $52 | Military members and veterans |
| Allstate | 8.9 | $157 | $89 | Low-mileage drivers |
| GEICO | 9.0 | $108 | $61 | Young 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 28,000 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 1602 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 (914)
Gloria
November 15, 2024
Verified Review
Not Good for Claims
I have storm damage and the claim process is not satisfactory.
Martin
November 11, 2024
Verified Review
Price Shopping
I have been with USAA for over 60 years. Obviously, I've been very happy. Since I don't drive very far, I have been seeing advertisements for lower prices. However, I have no plans of leaving USAA.
Rena Sabine
November 8, 2024
Verified Review
Disappointing and inflexible service
My experience with this company has been disappointing, especially this second time around. I would suggest considering other options. From my recent interactions, they have been dismissive and argumentative. I have already started finalizing my next premium with another company. I'm perplexed as to how they receive praise when they treat clients in this manner.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.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 5647 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 (3,072)
Lyudmila
November 14, 2024
Verified Review
No Discount for Seniors
The service is mediocre.
Latonya
November 12, 2024
Verified Review
Not Recommended
I would not recommend Allstate. They did not support me when I needed them most. They didn't believe me or the other party when we said my first accident wasn't my fault. My agent incorrectly reported to the DMV that my insurance had lapsed when it hadn't. They increased my insurance rates four to five times within two years. A representative from my agent's office called me to sell renters insurance, promising a lower monthly rate, which turned out to be false. After I was involved in a hit and run, instead of ensuring my wellbeing, they raised my insurance again to almost $800/month. I find Allstate to be a disappointing car insurance company and I wouldn't recommend them to anyone.
Linda
November 12, 2024
Verified Review
The office in St. Petersburg, FL has significantly changed. I have been with All State, using the same office, for years. Recently, new management has taken over and the staff has become less courteous and often fail to follow through on their commitments. It's even more challenging when your call gets redirected to an office in another state.
The office in St. Petersburg, FL has significantly changed. I have been with All State, using the same office, for years. Recently, new management has taken over and the staff has become less courteous and often fail to follow through on their commitments. It's even more challenging when your call gets redirected to an office in another state.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94A.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 10271 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 (5,647)
James
November 19, 2024
Verified Review
Unsatisfactory Experience with Geico
Steer clear. They increase your rate at every renewal.
Edward
November 18, 2024
Verified Review
Experience with Geico
Reliable.
Chris
November 18, 2024
Verified Review
Poor
The customer service is below average and terrible.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.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.
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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: Friday, November 1 at 12:00 PM PDT.
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: Friday, November 1 at 12:00 PM PDT.
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
Recent Florence, South Carolina car insurance prices for Audi, Nissan, Honda , and more.
*Quotes generated for Insurify users in and around Florence, South Carolina within the last 10 days. Last updated on November 20, 2024
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 November 20, 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 November 20, 2024
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 November 20, 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 coverage | Equal 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:
Comprehensive coverage
Comprehensive insurance can cover non-collision damages to your car, like theft, vandalism, fire, severe weather, falling objects, and cracked windshields.
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.
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.
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.
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.
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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: Friday, November 1 at 12:00 PM PDT.
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 | $228 |
| Dairyland | $192 | $244 |
| National General | $192 | $246 |
| Liberty Mutual | $218 | $299 |
| The General | $224 | $291 |
| AssuranceAmerica | $262 | $333 |
| Bristol West | $271 | $347 |
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 $278 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| USAA | $61 | $81 |
| Auto-Owners | $66 | $88 |
| State Farm | $67 | $89 |
| GEICO | $72 | $96 |
| Nationwide | $99 | $133 |
| Allstate | $105 | $140 |
| Safeco | $113 | $149 |
| Travelers | $113 | $152 |
| Progressive | $121 | $162 |
| State Auto | $138 | $200 |
| Direct Auto | $179 | $244 |
| Dairyland | $192 | $253 |
| National General | $192 | $256 |
| Liberty Mutual | $218 | $310 |
| The General | $224 | $304 |
| AssuranceAmerica | $262 | $341 |
| Bristol West | $271 | $361 |
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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| USAA | $61 | $99 |
| Auto-Owners | $66 | $107 |
| State Farm | $67 | $109 |
| GEICO | $72 | $117 |
| Nationwide | $99 | $160 |
| Allstate | $105 | $170 |
| Safeco | $113 | $170 |
| 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| USAA | $85 | $49 |
| Auto-Owners | $90 | $52 |
| State Farm | $91 | $52 |
| GEICO | $101 | $57 |
| Nationwide | $130 | $74 |
| Progressive | $139 | $87 |
| Safeco | $144 | $96 |
| Allstate | $148 | $84 |
| Travelers | $155 | $88 |
| State Auto | $179 | $103 |
| National General | $221 | $146 |
| Direct Auto | $232 | $139 |
| AssuranceAmerica | $253 | $197 |
| Liberty Mutual | $304 | $183 |
| Dairyland | $323 | $153 |
| The General | $362 | $181 |
| Bristol West | $384 | $217 |
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 $489 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| USAA | $188 | $107 |
| Auto-Owners | $200 | $116 |
| GEICO | $212 | $120 |
| State Farm | $212 | $120 |
| Nationwide | $317 | $180 |
| Safeco | $338 | $226 |
| Allstate | $344 | $195 |
| Progressive | $353 | $222 |
| Travelers | $373 | $213 |
| State Auto | $445 | $256 |
| Direct Auto | $568 | $341 |
| National General | $591 | $393 |
| AssuranceAmerica | $643 | $501 |
| Liberty Mutual | $651 | $391 |
| Dairyland | $683 | $324 |
| The General | $745 | $372 |
| Bristol West | $845 | $477 |
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 $224. The average monthly rate for liability-only coverage is $169, and the average monthly rate for full coverage is $279.
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
- 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.
Related articles
More cities in South Carolina
Sources
- South Carolina DMV. "Facts About Driving Uninsured."
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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.
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