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.
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All motor vehicles operated or parked on South Carolina roadways are required to be insured.
Bodily injury liability coverage
property damage liability coverage
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.
|Failure to Stop for Red Light / Stop Sign||$566|
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.
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.
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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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.