Cheap Auto Insurance Quotes in Florence, SC (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.

Driving in Florence can be far more complex than you’d think, as this small city of roughly 38,000 is different from many others. Two interstates, I-95 and I-20, intersect right in the metropolitan area, making it a busy hub for travelers passing through. Additionally, the state allows drivers to operate a vehicle without insurance as long as they pay a fee, making roads potentially quite dangerous. It’s advised that you enroll in auto insurance while living in Florence, even though you don’t have to.

Car Insurance in Florence, SC

The average cost of South Carolina car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Florence, SC to find you the cheapest quotes in the area.

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Cheapest Car Insurance in Florence, SC

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, SC

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, SC Driving Facts

Minimum Car Insurance Requirements in SC

All motor vehicles operated or parked on South Carolina 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 South Carolina 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 South Carolina 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. If you’re in an accident, liability coverage will cover the cost of a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by South Carolina law.

  • $25,000 per accident for Property Damage (PD)

The state minimum amount of property damage liability coverage required in the state of South Carolina 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.

Uninsured and underinsured motorist coverage are required in South Carolina. This coverage protects drivers who might incur damages from an accident caused by an uninsured or underinsured driver. If involved in an accident with an individual without sufficient coverage, insured drivers will still be covered. In South Carolina, the legally required level of Uninsured Motorist coverage is:

  • $25,000 per person/$50,000 per accident for Bodily Injury
  • $25,000 per accident for Property Damage

Florence, SC DMV Information

Small cities like Florence typically don’t offer much in the way of DMV services; however, most find that they don’t have to. There’s one office location to serve residents of the area, and it’s open Monday through Friday from 8:30 a.m. to 5 p.m., except for a late 9:30 a.m. opening on Wednesday. You can check wait times online before you visit to help plan your trip.

Public Transportation in Florence, SC

Florence is large enough to necessitate a public bus system, although only about a dozen routes are in service. If you don’t have a vehicle and need to travel regularly, options like Lyft and Uber will add up quickly but are likely to be far more reliable. Amenities in Florence are rather spread out, making it difficult to accomplish much on foot.

Conclusion: How to get the best and cheapest car insurance in Florence, SC

Some uninsured drivers choose to take extra care on the road, while others engage in less-than-safe behavior, making the streets of Florence a bit of a wild card. When you factor in the traffic from both interstates, it’s best to allow yourself extra time to get to your destination and to stay alert while behind the wheel.

Auto insurance in Florence is expensive for many, but it doesn’t have to be. By visiting Insurify and answering a few simple questions, you’ll be able to compare real-time quotes from a variety of insurance companies and enroll in the best policy for your driving needs.

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 South Carolina:

FAQs - Florence, SC Car Insurance

Can I drive without insurance in Florence?

Payment of the annual uninsured motorist fee allows you to operate a motor vehicle without enrolling in auto coverage. This fee is roughly $500 per year yet is incredibly risky, as you will be financially responsible for damages should you get into a collision.

Why is car insurance in Florence so expensive?

Not only do factors such as weather and the rising cost of auto repairs play a role in Florence rates, but policy prices are high largely due to the number of uninsured drivers on the road.

How can I get cheap auto coverage in Florence?

Taking some time to price shop can certainly pay off, but if you want to compare quotes quickly and easily, visit Insurify. You’ll be able to see which policies feature the exact coverage options you’re after, and you just might save more than you thought!