Cheap Auto Insurance Quotes in Florence, SC (2023)

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.

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• Cheap Car Insurance South Carolina

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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!

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 .

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Average Car Insurance Cost

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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.

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.

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• High-risk Car Insurance South Carolina

• DUI Car Insurance South Carolina

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.

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Find local Florence agents

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.

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

• Average Cost of Car Insurance Rates in South Carolina

• DUI Car Insurance Rates in South Carolina

• High-Risk Driver Car Insurance Rates in South Carolina

• South Carolina Car Insurance with Bad Credit Rates

• Short-Term Car Insurance in South Carolina

• SR-22 Insurance in South Carolina

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