Cheap Auto Insurance Quotes in Florence, KY (2023)

Car Insurance in Florence, KY

Florence is a small city in northern Kentucky. While it may not be home to many drivers, it is near the bustling metropolis of Cincinnati, Ohio and is situated right along Interstate 75 in addition to getting traffic from the Burlington Pike and Dixie Hwy. If you decide to drive in Florence, double-check that your auto insurance coverage is the best possible.

With Insurify , you can compare customized insurance quotes from national providers like State Farm and Allstate insurance along with local agencies so you can easily identify the cheapest deal in car insurance. The best part? You don’t have to waste time on hold with an insurance agency because it’s all online. Use Insurify to get free quotes that meet your insurance needs!

Auto insurance rates aren’t just based on the coverage options you choose.The average cost of Kentucky car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates across Kentucky so you can see how Florence compares.

See More:

• Cheap Car Insurance Kentucky

• Compare Car Insurance

Cheapest Car Insurance in Florence, KY

Some car insurance providers are able to offer cheaper car insurance products than others. That’s because every insurance carrier weighs information like your driving record and credit history a little differently. While the following car insurance companies offer the cheapest rates on average, you should also get a free quote from Insurify to estimate your best coverage.

Best Car Insurance in Florence, KY

While buying the cheapest possible auto insurance policy may be tempting, not all insurance providers are created equal. It’s important to find an insurance company that is reliable and has good customer service. We evaluated a range of financial strength and customer satisfaction indicators to find the best car insurance companies in Florence:

See More: Best Car Insurance Companies

Average Car Insurance Cost

Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in Kentucky

All motor vehicles operated or parked on Kentucky 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 Kentucky^[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. Kentucky is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.

• $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.

• $10,000 per accident for PIP

Personal injury protection coverage, also referred to as PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.

Florence Car Insurance Rates by Driver Age

A driver’s age is one of the most important factors in determining the premium for your auto insurance policy because young drivers are less experienced and more likely to get into a car accident. Drivers in their 50s and 60s, however, can expect to see the lowest rates. You can expect the following average rates for each age group in Kentucky.

Florence Car Insurance Rates by Driving and Accident History

Insurance premiums are largely decided by your driving history. A driver with a DUI, an accident, or even traffic infractions such as a speeding ticket on their record will almost always pay more than a driver with a clean record. Here’s what drivers with these issues pay on average for car insurance when compared to drivers with a clean driving record in Florence, Kentucky.

See More:

• High-risk Car Insurance Kentucky

• DUI Car Insurance Kentucky

Florence Car Insurance Rates by Credit Tier

About 95 percent of insurers use your credit score when determining your rate. That’s because research shows that people with low scores account for a higher percentage of paid claims. If you have excellent credit, you’ll pay less for car insurance than someone with bad credit. Here’s what you can expect to pay for car insurance in Florence, Kentucky, based on your credit score

See More: Bad Credit Car Insurance Kentucky

Find local Florence agents

Florence, KY DMV Information

Although Florence is a small city, there are several Driver’s License Offices in and around the area, including one in Florence. Most of these locations are open from 8 a.m. to 4 p.m. Monday through Friday, sometimes making it difficult for working individuals to visit during these hours. The Florence DMV is located at:

8100 Ewing Blvd #120
Florence, KY 41042
(859) 647-8702

Public Transportation in Florence, KY

The city of Florence has made strides to implement public transportation systems and, for such a small area, has done an adequate job thus far. TANK, the Transit Authority of Northern Kentucky, operates four local bus routes, four express options, and a trolley system called the Southbank Shuttle.

If you need more privacy on your route, popular rideshare options like Lyft or Uber are also available. Don’t want to get stuck in Main st traffic? Residents of Florence can also bike and walk to get around the city.

For more detailed Kentucky city level guides, check out these below.

• Average Cost of Car Insurance Rates in Kentucky

• DUI Car Insurance Rates in Kentucky

• High-Risk Driver Car Insurance Rates in Kentucky

• Kentucky Car Insurance with Bad Credit Rates

• Short-Term Car Insurance in Kentucky

How to get the best and cheapest car insurance in Florence, KY

The best way to get the cheapest auto insurance policy in Florence, Kentucky is to compare customized car insurance quotes using Insurify. Whether you’re looking for minimum coverage or full-coverage insurance with roadside assistance, Insurify can help. You can find multiple quotes all in one place instead of spending hours talking to local agents.

Even if you’re happy with your current auto insurance policy, it’s never a bad idea to spend some time exploring to see whether you’re getting the best deal out there. Let Insurify provide you with insurance solutions for car insurance and homeowners insurance and get quotes in under five minutes without ever having to talk to an insurance agent.

FAQs - Florence, KY Car Insurance