Cheap Auto Insurance Quotes in Florence, SC (January 2022)

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Last Updated: January 2022

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

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

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 company reviews. The following are the top rated companies 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 Car Insurance Rates by Driver Age

Teenagers in Florence will most likely need help from mom and dad to pay the car insurance bills. At $714 per month, it’s over $300 more expensive for teens than 20- to 30-year-old South Carolinians with a tad more time behind the wheel. Everyone 30 and older pays less than the state average of $311. As driving experience increases, rates tend to get lower. Right before retirement age, drivers in their 60s get the lowest rate, and folks in their 70s see a bump as they lose a little of their dexterity.

Driving History
No Violation$296
Speeding Ticket$448
At-Fault Accident$372
Failure to Stop for Red Light / Stop Sign$566

Florence Car Insurance Rates by Driving and Accident History

In the Palmetto State, safe driving saves both lives and livelihoods. Insurance companies hand over the best rates to drivers with clean histories. “Good driver” and “accident-free” discounts go a long way to helping reach that $295 price. A single failure-to-stop violation bumps that rate up $270, which amounts to over $3,000 per year. Florence drivers will be happy to know their accidents and violations won’t cost them forever. After three years of careful driving, prices go back to normal.

Florence Car Insurance Rates by Credit Tier

Like most states in the U.S., Arkansas allows insurance companies to use credit history as a factor when deciding rates. This fact confuses many because they can’t understand how their credit affects their ability to drive. Nonetheless, there’s not more than a $2 difference between having poor, good, and excellent credit in Florence. Why do people with average credit pay the least? Drivers with good or excellent credit often finance costlier vehicles and buy more coverage to protect their assets.

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.

Find local Florence agents

CSP Insurance Services 
2420 Hoffmeyer Road, Florence, SC 29501
Ed Harrell & Associates Inc. 
1007 W Evans St, Florence, SC 29501-3317
Hospitality Insurance Agency 
2843 W Palmetto St, Florence, SC 29501-5976
McLean Marechal Insurance 
112 Cherokee Road, Florence, SC 29501
Hodge Ethridge Insurance & Financial Services 
2405 C 2nd Loop Rd, Florence, SC 29501
Truck Ins Inc 
2736 TV Rd, Florence, SC 29501-0705
Clark Farley Insurance Agency 
1501 W Palmetto St, Florence, SC 29501-4131
Kinghorn Insurance of the Pee Dee 
1323 Cherokee Rd, Florence, SC 29501
Fred Jones Co Inc 
1320 W Evans St, Florence, SC 29502-6675
Aiken & Company Inc 
221 S Warley St, Florence, SC 29501-4444

Insurify Insights: How Florence Drivers Measure Up

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

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Florence drivers measure up to their fellow South Carolina motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Florence

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Florence drivers rank 43 in the number of car accidents per driver across all cities in South Carolina.

  • Rank within state: #43
  • Percent of drivers in Florence with an accident: 12.39%
  • Drivers in Florence, SC with an accident in their driving history paid on average 40.3% more than drivers with a clean record

Speeding in Florence

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in South Carolina, Florence drivers rank 46 in the number of speeding infractions per driver.

  • Rank within state: #46
  • Percent of drivers in Florence with a speeding ticket: 12.47%
  • Drivers in Florence, SC with a speeding ticket in their driving history paid on average 41.42% more than drivers with a clean record

DUI/DWIs in Florence

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Florence drivers rank 22 in the number of DUI’s per driver across all cities in South Carolina.

  • Rank within state: #22
  • Percent of drivers in Florence with a DUI: 1.51%
  • Drivers in Florence, SC with a DUI in their driving history paid on average --% more than drivers with a clean record

Rude in Florence

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in South Carolina, Florence drivers rank 4 in rude driving infractions.

  • Rank within state: #4
  • Percent of drivers in Florence with a reckless driving violation: 2.38%
  • Drivers in Florence, SC with a reckless driving violation in their driving history paid on average 56.72% more than drivers with a clean record.

Safest Drivers in Florence

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Florence drivers rank 7 in clean driving records across all cities in South Carolina.

  • Rank within state: #7
  • Percent of drivers in Florence with clean record: 77.84%

Failure to Yield the Right of Way in Florence

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Florence drivers rank 3 in failure to yield violations per driver across all cities in South Carolina.

  • Rank within state: #3
  • Percent of drivers in Florence with a failure to yield violation: 0.95%
  • Drivers in Florence, SC with a failure to yield violation in their driving history paid on average 1100% more than drivers with a clean record

Reckless Drivers in Florence

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in South Carolina, Florence drivers rank 27 in the number of reckless driving offenses per driver.

  • Rank within state: #27
  • Percent of drivers in Florence with a reckless driving offense: 0.08%

Most Popular Vehicle in Florence

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Florence is the Honda Accord.

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.

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!


The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

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