Cheapest Auto Insurance in Florence, South Carolina (2026)
USAA offers the cheapest car insurance in Florence, with minimum-coverage policies as low as $76 per month.
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Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
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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 $178 per month for a liability-only policy and $263 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, South Carolina.
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 $76 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 | 9.1 | $112 | $68 | Military members and veterans |
| Allstate | 8.9 | $194 | $117 | Low-mileage drivers |
| GEICO | 9.2 | $163 | $105 | Young drivers |
Disclaimer: Table data sourced from real-time Florence car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Florence 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 55,000 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. | 9.1 /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. | $76/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. | $126/mo |
4.9
Best choiceBased on 3,424 verified driver reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 14 South Carolina reviews for Florence driversSee all 1,531 USAA reviews
Verified Review
Reviewed in South Carolina on February 28, 2026
I've been with USAA for many years. I have no complaints. They handle claims quickly and are very easy to work with. I highly recommend them to my friends and family. Thank you, USAA.
Verified Review
Reviewed in South Carolina on February 20, 2026
Whether it was an accident or a window replacement, the claim was handled very quickly and with no delay.
Verified Review
Reviewed in South Carolina on January 14, 2026
USAA treats members fairly and respectfully.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.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 | 3.8 |
|---|---|
| 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. | $131/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. | $217/mo |
3.8
A solid optionBased on 10,223 verified driver reviews and ratings
Allstate's score | Industry average | |
|---|---|---|
| Coverage options | 3.8 | 3.2 |
| Customer service | 3.8 | 3.6 |
| Discounts | 3.8 | 2.9 |
| Policy transparency | 3.6 | 3.1 |
| Value | 3.3 | 2.9 |
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 29 South Carolina reviews for Florence driversSee all 4,382 Allstate reviews
Verified Review
Reviewed in South Carolina on April 15, 2026
The rate is constantly increasing even though I have no tickets or claims.
Verified Review
Reviewed in South Carolina on April 12, 2026
Paid for accident forgiveness, but they didn't honor it. A deer ran out in the road and struck my car, and my insurance rates went up.
Verified Review
Reviewed in South Carolina on April 2, 2026
The rates are constantly increasing and are not competitive with other companies. The discount for being a good driver is non-existent if you never have an insurance claim. I was told my insurance increased because the state allowed for it to be increased, not because I had a claim. It increased because Allstate had to pay out for housing claims, so that falls on my back even though it's not my fault.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
636NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02A.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 | 3.9 |
|---|---|
| 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. | 9.2 /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. | $118/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. | $183/mo |
3.9
A solid optionBased on 17,345 verified driver reviews and ratings
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.8 | 2.9 |
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 24 South Carolina reviews for Florence driversSee all 7,609 GEICO reviews
Verified Review
Reviewed in South Carolina on April 12, 2026
Their insurance is getting too expensive.
Verified Review
Reviewed in South Carolina on March 23, 2026
The price is getting out of sight. I have no claims against it, but the monthly rates have gotten to an unreachable point.
Verified Review
Reviewed in South Carolina on March 20, 2026
It is the best for the money if you purchase online and not through a dealer.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.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 $178 per month. Here’s a look at the most affordable liability-only insurance companies in Florence.
The below rates in Florence, SC, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $76 |
| Auto-Owners | $82 |
| State Farm | $84 |
| GEICO | $118 |
| Nationwide | $123 |
| Allstate | $131 |
| Travelers | $141 |
| Progressive | $146 |
| Safeco | $155 |
| State Auto | $172 |
| National General | $176 |
| Root | $176 |
| Direct Auto | $185 |
| Dairyland | $195 |
| The General | $203 |
| Liberty Mutual | $207 |
| GAINSCO | $208 |
| AssuranceAmerica | $218 |
| First Acceptance | $237 |
| Bristol West | $283 |
Disclaimer: Table data sourced from real-time Florence car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Florence 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 $263 per month for full coverage. Here, you can see a collection of affordable insurers in the area.
The below rates in Florence, SC, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $126 |
| Auto-Owners | $135 |
| State Farm | $139 |
| GEICO | $183 |
| Safeco | $198 |
| Nationwide | $204 |
| Allstate | $217 |
| Progressive | $219 |
| Travelers | $232 |
| Root | $262 |
| National General | $263 |
| Direct Auto | $264 |
| State Auto | $283 |
| AssuranceAmerica | $306 |
| Liberty Mutual | $331 |
| First Acceptance | $374 |
| GAINSCO | $387 |
| Dairyland | $404 |
| The General | $433 |
| Bristol West | $473 |
Disclaimer: Table data sourced from real-time Florence car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Florence may vary based on the policy buyer's unique driver profile.
Recent Insurify quotes for Florence, South Carolina drivers
Drivers using Insurify have found quotes as cheap as $68/mo for liability only and $112/mo for full coverage in Florence and other South Carolina cities.
*Quotes generated for Insurify users in and around Florence, South Carolina within the last 10 days. Last updated on April 16, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 April 16, 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 April 16, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 April 16, 2026. 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 $209 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 in Florence, SC, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| USAA | $76 | $95 |
| State Farm | $84 | $103 |
| Auto-Owners | $82 | $104 |
| GEICO | $118 | $150 |
| Nationwide | $123 | $155 |
| Allstate | $131 | $165 |
| Progressive | $146 | $171 |
| Travelers | $141 | $177 |
| Safeco | $155 | $197 |
| State Auto | $172 | $222 |
| Direct Auto | $185 | $225 |
| Root | $176 | $228 |
| Dairyland | $195 | $235 |
| GAINSCO | $208 | $240 |
| Liberty Mutual | $207 | $255 |
| The General | $203 | $263 |
| AssuranceAmerica | $218 | $269 |
| First Acceptance | $237 | $278 |
| Bristol West | $283 | $346 |
Disclaimer: Table data sourced from real-time Florence car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Florence 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 $224 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 in Florence, SC, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| USAA | $76 | $100 |
| Auto-Owners | $82 | $106 |
| State Farm | $84 | $109 |
| GEICO | $118 | $151 |
| Nationwide | $123 | $162 |
| Allstate | $131 | $172 |
| Progressive | $146 | $184 |
| Travelers | $141 | $186 |
| Safeco | $155 | $211 |
| State Auto | $172 | $230 |
| Root | $176 | $231 |
| Direct Auto | $185 | $246 |
| Dairyland | $195 | $252 |
| GAINSCO | $208 | $260 |
| Liberty Mutual | $207 | $268 |
| The General | $203 | $273 |
| AssuranceAmerica | $218 | $283 |
| First Acceptance | $237 | $298 |
| Bristol West | $283 | $364 |
Disclaimer: Table data sourced from real-time Florence car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Florence 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 $116 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 in Florence, SC, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| USAA | $76 | $116 |
| Auto-Owners | $82 | $125 |
| State Farm | $84 | $128 |
| GEICO | $118 | $179 |
| Nationwide | $123 | $188 |
| Allstate | $131 | $200 |
| Travelers | $141 | $215 |
| Progressive | $146 | $235 |
| Safeco | $155 | $250 |
| State Auto | $172 | $252 |
| Root | $176 | $271 |
| Direct Auto | $185 | $282 |
| Dairyland | $195 | $297 |
| The General | $203 | $299 |
| Liberty Mutual | $207 | $316 |
| GAINSCO | $208 | $317 |
| AssuranceAmerica | $218 | $333 |
| First Acceptance | $237 | $382 |
| Bristol West | $283 | $432 |
Disclaimer: Table data sourced from real-time Florence car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Florence 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 $198 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 in Florence, SC, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| USAA | $105 | $63 |
| Auto-Owners | $109 | $66 |
| State Farm | $112 | $68 |
| GEICO | $149 | $96 |
| Nationwide | $160 | $96 |
| Safeco | $176 | $138 |
| Allstate | $180 | $109 |
| Travelers | $190 | $115 |
| Progressive | $197 | $131 |
| State Auto | $220 | $133 |
| Direct Auto | $221 | $155 |
| Root | $224 | $151 |
| AssuranceAmerica | $246 | $175 |
| Liberty Mutual | $282 | $176 |
| First Acceptance | $336 | $213 |
| GAINSCO | $338 | $182 |
| Dairyland | $350 | $169 |
| The General | $377 | $177 |
| Bristol West | $403 | $241 |
Disclaimer: Table data sourced from real-time Florence car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Florence 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 $393 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 in Florence, SC, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| USAA | $231 | $139 |
| State Farm | $268 | $162 |
| Auto-Owners | $273 | $166 |
| GEICO | $328 | $212 |
| Progressive | $391 | $260 |
| Nationwide | $395 | $238 |
| Safeco | $399 | $312 |
| Allstate | $426 | $257 |
| Root | $452 | $304 |
| Travelers | $480 | $292 |
| Direct Auto | $509 | $357 |
| Liberty Mutual | $575 | $360 |
| AssuranceAmerica | $628 | $447 |
| First Acceptance | $667 | $423 |
| State Auto | $684 | $416 |
| GAINSCO | $689 | $370 |
| Dairyland | $697 | $336 |
| The General | $770 | $361 |
| Bristol West | $832 | $498 |
Disclaimer: Table data sourced from real-time Florence car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Florence 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
Category | Price |
|---|---|
| Excellent | $253 |
| Good | $298 |
| Fair | $328 |
| Poor | $508 |
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 $136 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 | $209 | $136 |
| Charleston | $261 | $181 |
| Columbia | $263 | $173 |
| Greenville | $221 | $154 |
| Lancaster | $251 | $169 |
| Rock Hill | $236 | $155 |
Disclaimer: Table data sourced from real-time Florence car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Florence 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 $220. The average rate for liability-only coverage is $178 per month, and the average monthly rate for full coverage is $263. 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 $76, $82, and $84.
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, 9.1, and 9.2, 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 $197. The average monthly rate for liability-only coverage is $155, and the average monthly rate for full coverage is $239.
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.
Sources
- South Carolina DMV. "Facts About Driving Uninsured."
Methodology
Insurify data scientists analyzed more than 190 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:
- 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.
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Anna BaluchAuto and Home Insurance Writer
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