Cheapest Auto Insurance in Florence, South Carolina (2023)

Car insurance rates in Florence start as low as $63 per month.

Anna Baluch
Written byAnna Baluch
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Anna BaluchInsurance Writer
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  • MBA from Roosevelt University

Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.

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Chris Schafer
Edited byChris Schafer
Chris Schafer
Chris SchaferSenior Editor
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  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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Updated November 30, 2023 at 11:00 AM PST

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If you live in Florence and are looking for car insurance, you can expect to pay $202 per month for a liability-only policy and $361 for full coverage. 

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, has higher car insurance rates than many other areas of the state. However, you have ways to reduce your car insurance bill.

Here’s what you need to know to find affordable car insurance in Florence.

Quick Facts
  • The cheapest car insurance companies in Florence are USAA, Auto-Owners, and State Farm.

  • Even though Florence has fewer people than other cities in South Carolina, like Charleston, Columbia, and Mount Pleasant, its car insurance premiums are higher.

  • Driving while uninsured in Florence is illegal. If your license is suspended, you must get your new insurer to file a certificate of insurance (SR-22) for three years from the date of the suspension.[1]

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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. It’s a good idea to compare several companies, and you can start your search with the three listed below.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Average Monthly QuoteAverage Annual QuoteBest for
Allstate4.1$103$1,236Low-mileage drivers
USAA4.3$59$708Military members and veterans
GEICO4.2$70$840Young drivers
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.

    Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.

Best insurer for low-mileage drivers: Allstate

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
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.
$108/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.
$175/mo

Around 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
  • Several customer complaints to Better Business Bureau

  • Premiums can be high for drivers with traffic violations

Handled a claim ok, but they keep raising my price every 6 months.

Brigitte - September 13, 2023
Verified

Failure to allow me to reinstate my overage.

Joseph - September 9, 2023
Verified

Poor service. Hard to access online accounts.

Peter - September 3, 2023
Verified
Read our Allstate review

Best insurer for military members and veterans: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$63/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.
$101/mo

Florence has a rich military heritage and a significant veteran population. Fortunately, 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 car insurance program

  • A++ financial strength rating from AM Best

Cons
  • Must be an eligible military member or immediate family member to join USAA

  • No 24/7 customer service phone support

They are the best in customer service.

Brenda - September 13, 2023
Verified

Overall poor service, took a safe driving discount away because I wasn’t driving enough.

Kenneth - September 9, 2023
Verified

Great operation since I was a Lt.

raymond - September 7, 2023
Verified
Read our USAA review

Best insurer for young drivers: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
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.
$75/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.
$121/mo

Florence has many young drivers in its general population, thanks in part to 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 agents available

Unwilling to work with clients. Especially senior citizens on a fixed income.

Janina - September 10, 2023
Verified

Awesome customer service, good prices, easy to deal with.

Kathleen - September 9, 2023
Verified

Good treatment in responding to questions and handling of my accident, especially because I was not at fault. No hesitation in paying the repair bill and then collecting from the at-fault insurance company client's policy.

James - September 7, 2023
Verified
Read our GEICO review

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 give you a discount if you bundle your auto policy with another type of insurance, like homeowners insurance, renters insurance, or motorcycle insurance.

Cheapest liability-only car insurance in Florence

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 cheapest liability insurance in Florence is $63 per month. Here’s a look at the most affordable liability-only insurance companies in Florence, South Carolina.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
USAA63
Auto-Owners68
State Farm69
GEICO75
Safeco96
Nationwide100
Allstate108
Travelers117
State Auto122
Progressive135
Midvale Home & Auto138
Liberty Mutual159
Direct Auto163
Dairyland216
The General222
AssuranceAmerica251
Bristol West251
GAINSCO288
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Florence

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. Here, you can see a collection of affordable insurers in the area.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
USAA101
Auto-Owners108
State Farm112
GEICO121
Nationwide155
Safeco167
Allstate175
Travelers175
Progressive211
State Auto213
Midvale Home & Auto214
Direct Auto244
Liberty Mutual287
AssuranceAmerica296
Dairyland358
The General361
Bristol West421
GAINSCO485
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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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:

CoverageMinimum Requirements
Bodily injury liability$25,000 per person and $50,000 per accident
Property damage liability$25,000 per accident5
Uninsured motorist coverageEqual 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:

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance can cover non-collision damages to your car, like theft, falling objects, severe weather, or vandalism.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision coverage pays to repair your vehicle if you hit an object or another vehicle, regardless of who’s at fault.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    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.

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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. 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

Because speeding may increase your risk of losing control of your vehicle and causing a car accident, it can lead to higher premiums. Florence drivers with a speeding ticket pay an average cost of $299 per month for liability coverage.

Here’s an overview of the cheapest car insurers for drivers with a speeding ticket in Florence.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST
Insurance CompanyClean Driving RecordWith Speeding Ticket
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident

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 $301 per month. Below, you’ll find the cheapest insurance companies in Florence for drivers with an at-fault accident on their records.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST
Insurance CompanyClean Driving RecordWith Accident
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI

A DUI is a serious traffic violation. 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.

If you have a DUI on your record, you can expect to pay at least $107 for liability coverage. Here’s a look at the most affordable car insurance companies in Florence for drivers with DUIs.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST
Insurance CompanyClean Driving RecordWith DUI
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors

Slow reaction times, poor vision, and other reduced faculties make driving more challenging for many seniors. That’s why car insurance rates usually increase at around age 75.

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 are estimated rates current as of: Thursday, November 30 at 11:00 AM PST
Insurance CompanyLiability OnlyFull Coverage
State Farm3861
Auto-Owners3962
USAA3962
GEICO4472
Nationwide5382
Allstate66106
Progressive66103
Safeco70122
Travelers71106
Direct Auto94141
Liberty Mutual101182
Dairyland143238
Bristol West159267
The General159258
AssuranceAmerica164193
GAINSCO199336
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens

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 distracted driving and driving at night. Fortunately, teens can save money if they stay on their parents’ policy or take advantage of a good student discount.

The table below highlights the cheapest car insurance companies for teens and young drivers in Florence.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST
Insurance CompanyLiability OnlyFull Coverage
USAA105168
Auto-Owners115183
State Farm118192
GEICO119192
Nationwide171265
Safeco174302
Allstate190308
Travelers212317
State Auto221386
Midvale Home & Auto236365
Progressive247386
Liberty Mutual282509
Direct Auto296443
Dairyland355588
The General357581
Bristol West421706
AssuranceAmerica471555
GAINSCO526886
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 are less risky and usually file fewer claims than drivers with poor credit. This is why some insurance companies look at the credit scores of prospective policyholders to help determine rates. Even though looking at credit scores is illegal in some states, South Carolina allows car insurance companies to consider them when offering policies.

The chart below shows how your credit score can affect your rates in Florence.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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, and accident/crime rates.

More cities in South Carolina

Car insurance rates in Florence are higher than in many other communities in South Carolina. A liability-only policy in Florence costs $151 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.

CityLiability OnlyFull Coverage
Anderson$151$265
Charleston$207$321
Columbia$181$315
Greenville$167$251
Lancaster$192$366
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 average cost of car insurance in Florence is $282. The average rate for liability-only coverage is $202 per month, and the average monthly rate for full coverage is $361. This makes Florence one of the most expensive cities in South Carolina for car insurance.

  • Who has the cheapest car insurance in Florence?

    Obtaining quotes from multiple insurers is the best way to secure affordable rates in Florence. As you begin your search, start with USAA, Auto-Owners, and State Farm. These insurers routinely offer the most affordable rates in the area.

  • 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 4.1, 4.3, and 4.2, 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 average monthly rate for car insurance in South Carolina is $229. The average monthly rate for liability-only coverage is $167, and the average monthly rate for full coverage is $291.

  • 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.

Methodology

Insurify data scientists analyzed more than 90 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 50+ 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. South Carolina DMV. "Facts About Driving Uninsured." Accessed September 6, 2023
Anna Baluch
Anna BaluchInsurance Writer

Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.

Chris Schafer
Edited byChris SchaferSenior Editor
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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