Best Florence, SC Car Insurance in 2024
Car insurance in Florence, SC averages $336 a month. Florence, South Carolina car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Florence car insurance rates, compare quotes from the top car insurance companies in Florence, SC.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest car insurance company in Florence for teen drivers is Geico
- Average car insurance rates in Florence, SC after a DUI are $4,597/year
- The cheapest car insurance company in Florence is Geico
If you need to buy Florence, South Carolina car insurance, the options can be confusing. Everything you need to know about car insurance in Florence, SC is right here.
You’ll find Florence car insurance rates, the cheapest Florence, SC car insurance companies, and information on South Carolina car insurance laws. You can also compare Florence, South Carolina car insurance rates to North Charleston car insurance rates and Mount Pleasant car insurance rates.
Ready to find affordable Florence, SC car insurance today? Enter your ZIP code for fast, free Florence car insurance quotes.
Cheapest Florence, SC Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Florence, SC car insurance rates? Every Florence, South Carolina car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,633 | $2,633 | $2,521 | $2,521 | $6,779 | $8,637 | $2,918 | $3,173 |
| Farmers | $3,578 | $3,600 | $3,414 | $3,712 | $9,377 | $10,341 | $3,902 | $3,921 |
| Geico | $2,306 | $2,306 | $2,106 | $2,106 | $5,503 | $5,639 | $2,684 | $2,747 |
| Nationwide | $2,658 | $2,690 | $2,393 | $2,481 | $6,527 | $8,405 | $3,015 | $3,286 |
| Progressive | $2,736 | $2,517 | $2,348 | $2,456 | $11,269 | $12,437 | $3,133 | $3,251 |
| State Farm | $2,074 | $2,074 | $1,881 | $1,881 | $6,010 | $7,566 | $2,330 | $2,613 |
| USAA | $1,928 | $1,935 | $1,774 | $1,778 | $7,786 | $8,523 | $2,544 | $2,684 |
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Minimum Car Insurance in Florence, SC
Every driver must carry the minimum car insurance required by the state in Florence, SC. Take a look at the South Carolina car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
Cheapest Florence, SC Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Florence, SC. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Florence from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,011 | $3,751 | $3,168 |
| Farmers | $6,021 | $5,056 | $4,614 |
| Geico | $4,842 | $2,604 | $2,078 |
| Nationwide | $4,672 | $3,797 | $3,326 |
| Progressive | $5,592 | $4,898 | $4,565 |
| State Farm | $4,745 | $2,893 | $2,273 |
| USAA | $5,635 | $2,785 | $2,437 |
Cheapest Florence, SC Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in Florence, SC to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,992 | $4,763 | $4,192 | $3,959 |
| Farmers | $4,374 | $6,025 | $5,024 | $5,500 |
| Geico | $2,426 | $3,131 | $4,715 | $2,426 |
| Nationwide | $3,132 | $4,044 | $5,104 | $3,447 |
| Progressive | $4,113 | $5,977 | $5,010 | $4,974 |
| State Farm | $2,997 | $3,679 | $3,270 | $3,270 |
| USAA | $2,861 | $3,540 | $4,868 | $3,208 |
Cheapest Florence, SC Car Insurance for Teen Drivers
Teen car insurance in Florence, SC can be expensive. Take a look at rates from the top car insurance companies in Florence for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $6,779 | $8,637 |
| Farmers | $9,377 | $10,341 |
| Geico | $5,503 | $5,639 |
| Nationwide | $6,527 | $8,405 |
| Progressive | $11,269 | $12,437 |
| State Farm | $6,010 | $7,566 |
| USAA | $7,786 | $8,523 |
Cheapest Florence, SC Car Insurance for Seniors
Take a look at Florence, SC rates on car insurance for seniors from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,521 | $2,521 |
| Farmers | $3,414 | $3,712 |
| Geico | $2,106 | $2,106 |
| Nationwide | $2,393 | $2,481 |
| Progressive | $2,348 | $2,456 |
| State Farm | $1,881 | $1,881 |
| USAA | $1,774 | $1,778 |
Cheapest Florence, SC Car Insurance Rates After a DUI
A DUI in Florence, SC increases car insurance rates. Compare Florence, South Carolina car insurance after a DUI by the company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $4,192 |
| Farmers | $5,024 |
| Geico | $4,715 |
| Nationwide | $5,104 |
| Progressive | $5,010 |
| State Farm | $3,270 |
| USAA | $4,868 |
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Cheapest Florence, SC Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Florence, SC by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,892 | $4,061 |
| Farmers | $5,231 | $5,231 |
| Geico | $3,158 | $3,191 |
| Nationwide | $3,932 | $3,932 |
| Progressive | $5,018 | $5,018 |
| State Farm | $3,220 | $3,388 |
| USAA | $3,581 | $3,657 |
Cheapest Florence, SC Car Insurance Rates by ZIP Code
Florence car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Florence, SC.
| ZIP Code | Average Annual Rates |
|---|---|
| 29501 | $3,723 |
| 29505 | $3,642 |
| 29506 | $3,878 |
The Best Cheap Car Insurance Companies in Florence, SC
Take a look at a side-by-side comparison of the top car insurance companies in Florence, SC to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,977 |
| Farmers | $5,231 |
| Geico | $3,175 |
| Nationwide | $3,932 |
| Progressive | $5,018 |
| State Farm | $3,304 |
| USAA | $3,619 |
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Category Winners: Cheapest Car Insurance in Florence, South Carolina
Find the cheapest car insurance companies in Florence, SC for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | USAA |
| Clean Record | Geico |
| With 1 Accident | Geico |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | Geico |
Cheapest Florence, SC Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Florence car insurance rates. Find the cheapest Florence, SC car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,727 | $3,956 | $4,246 |
| Farmers | $4,629 | $5,223 | $5,840 |
| Geico | $2,944 | $3,140 | $3,440 |
| Nationwide | $3,856 | $3,939 | $4,001 |
| Progressive | $4,611 | $4,944 | $5,500 |
| State Farm | $3,051 | $3,302 | $3,558 |
| USAA | $3,397 | $3,614 | $3,846 |
What affects car insurance rates in Florence, South Carolina?
What are the factors that affect car insurance rates in Florence, SC? There are several reasons why Florence car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Florence, South Carolina.
Commute Time in Florence
The more time you spend in your car the higher the risk of an accident. The average commute length in Florence, SC is 19.4 minutes according to City-Data.
Traffic in Florence
Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Florence, SC traffic data from INRIX ranks Florence as the 87th-most congested in the world.
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Compare Car Insurance Quotes in Florence, SC
Ready to find affordable Florence, South Carolina car insurance today? Enter your ZIP code for fast, free Florence, SC car insurance quotes.
Frequently Asked Questions
How are car insurance rates determined in Florence, SC?
Car insurance rates in Florence, SC, are determined by several factors. These factors include your driving record, age, gender, credit history, the make and model of your vehicle, the coverage options you choose, your deductible amount, and the average number of miles you drive annually. Insurance companies also consider local factors such as the frequency of accidents, thefts, and insurance claims in the Florence area.
Are car insurance rates higher in Florence, SC compared to other areas?
Car insurance rates can vary depending on various factors, so it’s difficult to make a general statement about rates in Florence, SC, compared to other areas. Insurance rates are influenced by factors such as the local driving environment, the number of insurance claims in the area, state regulations, and the insurance market. Your personal driving profile and the coverage options you select also play a significant role in determining your insurance rates.
How can I find the best car insurance rates in Florence, SC?
To find the best car insurance rates in Florence, SC, it’s recommended to shop around and compare quotes from different insurance providers. You can contact insurance companies directly or use online comparison tools that allow you to receive quotes from multiple insurers simultaneously. When requesting quotes, provide accurate and consistent information to receive accurate rates for comparison.
What can I do to lower my car insurance rates in Florence, SC?
There are several strategies you can employ to potentially lower your car insurance rates in Florence, SC:
- Maintain a clean driving record and avoid traffic violations or accidents.
- Consider increasing your deductible, which is the amount you pay out of pocket in the event of a claim.
- Inquire about available discounts such as safe driver discounts, multi-policy discounts, or discounts for safety features on your vehicle.
- Evaluate your coverage options and consider whether you need additional coverage beyond the state’s minimum requirements.
- If feasible, install anti-theft devices or security systems that may reduce the risk of theft.
Are there any specific considerations for insuring a vehicle in Florence, SC?
When insuring a vehicle in Florence, SC, it’s important to consider local factors such as weather conditions, traffic patterns, and potential risks in the area. If you live in an area prone to severe weather events like hurricanes or flooding, you may want to consider additional coverage to protect your vehicle against such risks. Understanding the specific insurance requirements and regulations in South Carolina is essential to ensure you meet the minimum coverage requirements.
Are there any local insurance providers in Florence, SC?
Florence, SC, may have local insurance providers in addition to regional and national companies. Local providers may offer unique coverage options or have a better understanding of the local area and its specific insurance needs. It’s advisable to research and compare both local and national insurance providers to find the best coverage and rates for your vehicle in Florence, SC.
Should I consider specialized coverage for my vehicle in Florence, SC?
Whether or not you should consider specialized coverage for your vehicle in Florence, SC, depends on your individual circumstances. Factors such as the age and value of your vehicle, your driving habits, and your comfort level with assuming certain risks should be taken into consideration. Specialized coverage options such as comprehensive and collision insurance can provide additional protection beyond the mandatory liability coverage. Consulting with insurance providers can help determine the appropriate coverage for your vehicle in Florence, SC.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.