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

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Olivia Oksenhorn

By: Olivia Oksenhorn

Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

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.

Quick Facts

  • The average cost of car insurance in Florence is $274 per month, or $3288 annually.
  • Car insurance in Florence is $15 more than the average cost of car insurance in South Carolina.
  • The cheapest car insurance provider in Florence on average is Kemper Preferred, but you should always compare quotes to find your best personal rate.

Quotes by Top Companies

Direct Auto
$90
Allstate
$108
State Farm
$113
Nationwide
$167
The General
$218

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!
Insurance Provider in FlorenceQuotes
Direct Auto$90 /mo
Allstate$108 /mo
State Farm$113 /mo
Nationwide$167 /mo
The General$218 /mo

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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.
Best CompaniesScoreQuotes
American Family89$276 /mo
Liberty Mutual82$286 /mo
Travelers80$216 /mo

Average Car Insurance Cost

South Carolina Cities
Columbia$154/mo
Charleston$132/mo
North Charleston$125/mo
Mount Pleasant$139/mo
Florence$156/mo
South Carolina$141/mo
North Charleston
$125
Charleston
$132
Mount Pleasant
$139
Average for SC
$141
Columbia
$154
Florence
$156
Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in South Carolina

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 be available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in South Carolina[1] are:

  • $25,000 per person for bodily injury
  • $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. South Carolina is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

  • $25,000 per person for uninsured/underinsured motorist bodily injury
  • $50,000 per accident for uninsured/underinsured motorist bodily injury
  • $25,000 per accident for uninsured/underinsured motorist property damage

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In South Carolina, drivers are requred to purchase this coverage for both bodily injury and 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.

Driver's AgeAvg. Monthly Cost
teens$714
20s$379
30s$308
40s$281
50s$309
60s$224
70s$283
80sN/A

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.

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

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.

Credit TierAvg. Monthly Cost
Excellent$333
Good$334
Average$311
Poor$335

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
View more

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.

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

  • 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.
  • 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.
  • 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!

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  • Personalized quotes in 5 minutes or less
  • No signup required
  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Insurify Insights

How Florence Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Florence, South Carolina below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Florence drivers measure up to their fellow motorists across South Carolina in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

honda

Honda Accord

Most Popular Car in Florence

#51

City with the Most Speeding Tickets Rank in South Carolina

#46

City with the Most Moving Violations Rank in South Carolina

#31

City with the Most DUIs Rank in South Carolina

#43

City with the Most Suspended Licenses in South Carolina

  • 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 24 in the number of car accidents per driver across all cities in South Carolina.

    • Rank within state: #24
    • Percent of drivers in Florence with an accident: 12.09%
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Florence drivers rank 31 in the number of DUI’s per driver across all cities in South Carolina.

    • Rank within state: #31
    • Percent of drivers in Florence with a DUI: 1.1%
  • 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 19 in the number of reckless driving offenses per driver.

    • Rank within state: #19
    • Percent of drivers in Florence with a reckless driving offense: 0.17%
  • 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 13 in rude driving infractions.

    • Rank within state: #13
    • Percent of drivers in Florence with a reckless driving violation: 1.48%
  • 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 51 in the number of speeding infractions per driver.

    • Rank within state: #51
    • Percent of drivers in Florence with a speeding ticket: 9.9%
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Florence drivers rank 17 in clean driving records across all cities in South Carolina.

    • Rank within state: #17
    • Percent of drivers in Florence with clean record: 20.65%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Olivia Oksenhorn
Olivia Oksenhorn
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Insurance Writer

Olivia Oksenhorn is an insurance writer at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.

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Sources

  1. South Carolina Department of Insurance . "State Minimum Car Insurance Requirements." Accessed May 28, 2022