USAA offers the cheapest car insurance in Florence, with minimum-coverage policies as low as $83 per month.
Cheapest Car Insurance in Florence, SC: Rates, Companies, and Requirements
Finding affordable car insurance in Florence, South Carolina, requires comparing multiple insurers because each company uses its own pricing and underwriting methods. Your age, driving history, ZIP code, vehicle, coverage level, and other personal factors can all influence your premium.
The same driver can receive very different quotes from different insurance companies. Comparing several providers can help you identify coverage that fits your budget and protection needs.
3 of the Cheapest Car Insurance Companies in Florence
The supplied Florence rate data highlights USAA, Allstate, and GEICO as three companies with competitive average rates for different types of drivers.
| Insurance Company | IQ Score | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| USAA | 9.1 | $119/mo | $72/mo | Military members and veterans |
| Allstate | 8.9 | $239/mo | $149/mo | Low-mileage drivers |
| GEICO | 9.2 | $167/mo | $110/mo | Young drivers |
Rates are based on the supplied Florence, South Carolina quote data. Actual premiums vary according to each driver’s profile, vehicle, coverage selections, and insurer.
USAA
USAA serves eligible members of the military community, including qualifying veterans and family members. In the supplied data, USAA has an IQ Score of 9.1 and competitive average rates for both liability-only and full-coverage policies.
| Category | Details |
|---|---|
| User Reviews | 4.9/5 based on 4,295 reviews |
| IQ Score | 9.1/10 |
| Liability Only | $83/mo |
| Full Coverage | $137/mo |
| Notable For | Military members, veterans, customer service |
Customer reviews in the supplied data frequently mention positive experiences with customer service and claims handling. Some reviewers also reported concerns involving premium increases, payment issues, and account verification procedures.
Allstate
Allstate is highlighted in the supplied Florence data as an option for low-mileage drivers. Its listed IQ Score is 8.9, with average rates of approximately $144 per month for liability coverage and $235 per month for full coverage.
| Category | Details |
|---|---|
| User Reviews | 3.8/5 based on 12,247 reviews |
| IQ Score | 8.9/10 |
| Liability Only | $144/mo |
| Full Coverage | $235/mo |
| Notable For | Low-mileage drivers |
GEICO
GEICO has an IQ Score of 9.2 in the supplied data and is highlighted as an option for younger drivers. Its listed average premiums are approximately $126 per month for liability coverage and $191 per month for full coverage.
| Category | Details |
|---|---|
| User Reviews | 4.0/5 based on 20,688 reviews |
| IQ Score | 9.2/10 |
| Liability Only | $126/mo |
| Full Coverage | $191/mo |
| Notable For | Young drivers |
How to Get the Cheapest Car Insurance in Florence
South Carolina insurers can price policies differently, so comparing several companies is one of the most effective ways to find competitive coverage.
→ Shop around. Get quotes from at least three insurers, and consider comparing even more providers when your driving history or insurance needs are more complex.
→ Look for discounts. Depending on the company, discounts may be available for safe driving, multiple vehicles, anti-theft equipment, good grades, low mileage, or other qualifying factors.
→ Consider pay-per-mile insurance. Drivers who put relatively few miles on their vehicles may find usage-based or pay-per-mile coverage worth investigating.
→ Maintain a clean driving record. Speeding tickets, at-fault accidents, and DUI convictions can increase premiums, sometimes for several years.
→ Bundle policies. Combining auto insurance with eligible homeowners, renters, motorcycle, or other policies may result in a multi-policy discount.
→ Review your coverage regularly. Changes to your vehicle, driving habits, household, or financial situation may affect the coverage you need.
Cheapest Liability-Only Car Insurance in Florence
Liability insurance is required for drivers in South Carolina. It generally helps pay for bodily injuries and property damage you cause to other people when you are responsible for an accident.
Liability-only insurance does not generally cover damage to your own vehicle. Because it provides less protection than full coverage, it is typically less expensive.
The supplied data puts the average liability-only premium in Florence at approximately $178 per month.
| Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $83 |
| Auto-Owners | $90 |
| State Farm | $92 |
| GEICO | $126 |
| Allstate | $144 |
| Progressive | $146 |
| Travelers | $155 |
| Safeco | $164 |
| Direct Auto | $183 |
| State Auto | $187 |
| National General | $188 |
| Root | $195 |
| GAINSCO | $209 |
| Dairyland | $211 |
| Liberty Mutual | $218 |
| The General | $218 |
| AssuranceAmerica | $219 |
| First Acceptance | $245 |
| Hugo | $265 |
| Bristol West | $308 |
These figures are estimated monthly rates from the supplied Florence quote data. Actual premiums can vary significantly based on the driver and policy.
Cheapest Full-Coverage Car Insurance in Florence
Full-coverage insurance generally combines liability, collision, and comprehensive coverage. It provides broader financial protection than a liability-only policy.
Collision coverage can help pay for damage to your vehicle following a covered collision, while comprehensive coverage generally applies to non-collision events such as theft, vandalism, fire, and certain weather-related damage.
Drivers financing or leasing a vehicle may also be required by their lender or leasing company to maintain comprehensive and collision coverage.
The supplied Florence data shows an average full-coverage premium of approximately $296 per month.
| Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $137 |
| Auto-Owners | $146 |
| State Farm | $150 |
| GEICO | $191 |
| Safeco | $211 |
| Progressive | $224 |
| Allstate | $235 |
| Travelers | $252 |
| Direct Auto | $284 |
| National General | $284 |
| Root | $293 |
| State Auto | $307 |
| AssuranceAmerica | $309 |
| Liberty Mutual | $356 |
| GAINSCO | $387 |
| First Acceptance | $389 |
| Dairyland | $412 |
| The General | $458 |
| Bristol West | $520 |
Recent Car Insurance Quotes for Florence-Area Drivers
Recent quote examples supplied in the source material demonstrate how much premiums can vary between individual drivers and locations.
| Insurance Company | Driver Location | Vehicle | Quoted Rate |
|---|---|---|---|
| GAINSCO | Chester, SC | Chevrolet S Truck | $97/mo |
| Allstate | Fort Mill, SC | Honda Civic | $96/mo |
| The General | Townville, SC | Toyota Tundra | $132/mo |
| Dairyland | Simpsonville, SC | Honda Accord | $127/mo |
These examples represent quotes for drivers in and around Florence and other South Carolina locations. They are not guaranteed rates for every Florence driver.
Car Insurance Requirements in South Carolina
South Carolina is an at-fault state. In general, the driver responsible for an accident can be financially responsible for injuries and property damage caused to other parties.
Drivers must maintain the state’s required liability and uninsured motorist coverage.
| Coverage | Minimum Requirement |
|---|---|
| Bodily Injury Liability | $25,000 per person / $50,000 per accident |
| Property Damage Liability | $25,000 per accident |
| Uninsured Motorist Coverage | At least the minimum liability limits of 25/50/25 |
Driving without the required insurance or failing to provide proof of coverage can result in legal and financial consequences.
Optional Car Insurance Coverage in South Carolina
State minimum coverage may not be enough to protect your vehicle or finances after a serious accident. Depending on your circumstances, you may want to consider additional coverage.
→ Comprehensive coverage: Can help pay for eligible damage caused by theft, vandalism, fire, severe weather, falling objects, and other non-collision events.
→ Collision coverage: Can help pay for repairs to your vehicle after a covered collision with another vehicle or object.
→ Gap coverage: May cover the difference between your vehicle’s actual cash value and the remaining loan or lease balance after a covered total loss.
→ Uninsured or underinsured motorist coverage: Can provide protection when the driver responsible for an accident does not have enough insurance to cover eligible damages.
→ Accident forgiveness: Some insurers offer this feature to qualifying customers. It may prevent a premium increase after a first qualifying at-fault accident.
Cheapest Car Insurance for Drivers With an Incident
A driving incident can have a significant impact on your insurance premium. Common incidents include speeding tickets, at-fault accidents, and DUI convictions.
Insurers may view these events as indicators of increased risk, which can result in higher premiums for several years.
Cheapest Car Insurance for Drivers With a Speeding Ticket
A speeding ticket can increase your insurance costs because insurers may consider a recent violation when evaluating future claim risk.
The supplied data shows that Florence drivers with a speeding ticket pay an average of approximately $215 per month for liability coverage.
| Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| USAA | $83 | $105 |
| State Farm | $92 | $114 |
| Auto-Owners | $90 | $115 |
| GEICO | $126 | $162 |
| Allstate | $144 | $174 |
| Progressive | $146 | $176 |
| Travelers | $155 | $197 |
| Safeco | $164 | $212 |
| Direct Auto | $183 | $226 |
| Root | $195 | $228 |
| National General | $188 | $230 |
| State Auto | $187 | $243 |
| GAINSCO | $209 | $246 |
| Dairyland | $211 | $256 |
| Liberty Mutual | $218 | $273 |
| AssuranceAmerica | $219 | $274 |
| The General | $218 | $287 |
| First Acceptance | $245 | $296 |
| Hugo | $265 | $320 |
| Bristol West | $308 | $382 |
Cheapest Car Insurance for Drivers With an At-Fault Accident
An at-fault accident can cause insurance premiums to rise because the insurer may view the driver as presenting greater risk.
The supplied Florence data shows an average liability premium of approximately $230 per month for drivers with an at-fault accident.
| Insurance Company | Clean Driving Record | With At-Fault Accident |
|---|---|---|
| USAA | $83 | $111 |
| Auto-Owners | $90 | $119 |
| State Farm | $92 | $121 |
| GEICO | $126 | $165 |
| Allstate | $144 | $186 |
| Progressive | $146 | $188 |
| Travelers | $155 | $208 |
| Safeco | $164 | $225 |
| Root | $195 | $242 |
| Direct Auto | $183 | $247 |
| National General | $188 | $247 |
| State Auto | $187 | $254 |
| GAINSCO | $209 | $264 |
| Dairyland | $211 | $275 |
| Liberty Mutual | $218 | $287 |
| AssuranceAmerica | $219 | $288 |
| The General | $218 | $296 |
| First Acceptance | $245 | $316 |
| Hugo | $265 | $342 |
| Bristol West | $308 | $404 |
Cheapest Car Insurance for Drivers With a DUI
A DUI conviction can substantially affect auto insurance premiums. Drivers may also face additional legal or insurance requirements depending on their circumstances.
The supplied Florence data shows an average liability premium of approximately $111 per month for drivers with a DUI.
| Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| USAA | $83 | $111 |
| Auto-Owners | $90 | $114 |
| State Farm | $92 | $123 |
| GEICO | $126 | $169 |
| Allstate | $144 | $178 |
| Progressive | $146 | $181 |
| Travelers | $155 | $207 |
| State Auto | $187 | $240 |
| Safeco | $164 | $242 |
| Direct Auto | $183 | $244 |
| National General | $188 | $251 |
| Root | $195 | $260 |
| GAINSCO | $209 | $279 |
| Dairyland | $211 | $282 |
| The General | $218 | $283 |
| Liberty Mutual | $218 | $291 |
| AssuranceAmerica | $219 | $292 |
| First Acceptance | $245 | $303 |
| Hugo | $265 | $328 |
| Bristol West | $308 | $411 |
Drivers with serious violations should confirm any applicable filing or documentation requirements with the South Carolina authorities and their insurer.
Cheapest Car Insurance for Seniors in Florence
Insurance rates can vary by age and insurer. Senior drivers may receive different premiums depending on their driving record, vehicle, coverage choices, and other rating factors.
The supplied data places the overall monthly car insurance cost for senior drivers in Florence at approximately $215.
| Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| USAA | $114 | $69 |
| Auto-Owners | $119 | $73 |
| State Farm | $121 | $74 |
| GEICO | $156 | $103 |
| Safeco | $188 | $146 |
| Progressive | $203 | $132 |
| Travelers | $207 | $127 |
| Allstate | $213 | $131 |
| National General | $229 | $152 |
| Direct Auto | $238 | $154 |
| State Auto | $239 | $145 |
| AssuranceAmerica | $248 | $176 |
| Root | $276 | $184 |
| Liberty Mutual | $303 | $185 |
| GAINSCO | $340 | $184 |
| First Acceptance | $353 | $222 |
| Dairyland | $358 | $183 |
| The General | $399 | $190 |
| Bristol West | $444 | $263 |
Cheapest Car Insurance for Teens in Florence
Teen drivers generally pay higher insurance premiums because they have less driving experience and insurers may consider inexperienced drivers more likely to be involved in accidents.
The supplied data shows that Florence teens pay an average of approximately $424 per month for car insurance.
Families can potentially reduce the cost by keeping a teen on an existing household policy when appropriate, asking about good-student discounts, choosing a vehicle with strong safety features, and comparing multiple insurers.
| Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| USAA | $248 | $150 |
| State Farm | $286 | $176 |
| Auto-Owners | $291 | $179 |
| GEICO | $342 | $225 |
| Progressive | $401 | $261 |
| Allstate | $421 | $258 |
| Safeco | $425 | $330 |
| Root | $436 | $290 |
| Travelers | $515 | $317 |
| Direct Auto | $547 | $352 |
| National General | $556 | $368 |
| Liberty Mutual | $615 | $377 |
| AssuranceAmerica | $631 | $447 |
| GAINSCO | $670 | $362 |
| First Acceptance | $696 | $438 |
| Dairyland | $703 | $360 |
| State Auto | $723 | $441 |
| The General | $817 | $389 |
| Bristol West | $908 | $538 |
Florence Car Insurance Quotes by Credit Tier
South Carolina allows auto insurers to consider credit-related information when calculating insurance premiums, subject to applicable regulations.
Drivers with stronger credit profiles may receive lower rates from some insurers, while weaker credit profiles can result in higher premiums.
The effect of credit varies between insurance companies, so drivers should compare quotes based on their individual circumstances rather than relying on a single insurer.
Is Car Insurance Expensive in Florence?
The supplied data places the overall average cost of car insurance in Florence at approximately $215 per month for senior drivers and approximately $296 per month for full coverage across the broader driver sample.
For liability-only coverage, the supplied overall average is approximately $178 per month.
Insurance costs can vary substantially between South Carolina cities because insurers consider location-specific factors such as traffic, claims activity, weather exposure, vehicle theft, and local accident patterns.
Car Insurance Rates in Other South Carolina Cities
| City | Full Coverage | Liability Only |
|---|---|---|
| Charleston | $297 | $183 |
| Columbia | $288 | $176 |
| Greenville | $241 | $155 |
| Myrtle Beach | $242 | $158 |
| North Charleston | $292 | $202 |
| Rock Hill | $254 | $152 |
| Summerville | $292 | $186 |
These figures demonstrate that insurance premiums can differ between locations even within the same state.
How to Lower Your Car Insurance Costs in Florence
Florence drivers have several ways to potentially reduce their insurance premiums.
→ Compare multiple insurers. Pricing varies considerably between companies, so requesting several quotes can help identify competitive rates.
→ Maintain a clean driving record. Avoiding tickets and preventable accidents can help keep your premiums lower over time.
→ Ask about discounts. Check whether you qualify for good-driver, good-student, multi-car, anti-theft, low-mileage, defensive-driving, or other available discounts.
→ Consider a higher deductible. Increasing your deductible can reduce your premium, but you should have enough savings to cover the higher out-of-pocket cost after a claim.
→ Bundle policies. Combining eligible insurance products with the same insurer may result in a discount.
→ Consider usage-based coverage. If you drive relatively few miles or practice consistently safe driving, a telematics or usage-based program may be worth investigating.
→ Review your coverage. Make sure your limits and deductibles still match your financial situation and vehicle value.
Florence Car Insurance FAQs
How much is car insurance in Florence?
The supplied data shows an average liability-only premium of approximately $178 per month and an average full-coverage premium of approximately $296 per month in Florence.
Your actual rate may be higher or lower depending on your insurer, age, driving record, vehicle, credit-related insurance information, ZIP code, coverage limits, and other factors.
Which companies have competitive car insurance rates in Florence?
The supplied rate data shows relatively low average premiums from USAA, Auto-Owners, and State Farm for the broader driver profiles analyzed. USAA is generally available only to eligible members of the military community and qualifying family members.
Which company has the lowest liability rate in Florence?
In the supplied Florence data, USAA has the lowest listed average liability rate at approximately $83 per month, followed by Auto-Owners at $90 and State Farm at $92.
Eligibility requirements apply to USAA.
How much car insurance is required in South Carolina?
South Carolina requires drivers to carry at least:
→ $25,000 in bodily injury liability per person
→ $50,000 in bodily injury liability per accident
→ $25,000 in property damage liability per accident
→ Required uninsured motorist coverage meeting the state’s minimum requirements
Drivers may choose higher limits and additional coverage for broader financial protection.
Is South Carolina an at-fault state?
Yes. South Carolina follows an at-fault system. Generally, the driver responsible for an accident can be held responsible for damages and injuries caused to other parties.
What factors affect car insurance rates in Florence?
Insurance companies may consider many factors when calculating premiums, including:
→ Age and driving experience
→ Driving record
→ Accidents and traffic violations
→ Vehicle make and model
→ Vehicle value and safety features
→ ZIP code and location
→ Coverage limits
→ Deductibles
→ Annual mileage
→ Claims history
→ Credit-related insurance information where permitted
Methodology
The rate information in this article is based on the Florence, South Carolina quote data supplied in the source material.
The underlying methodology states that the rate estimates were calculated from a large database of insurance quotes and represent median or estimated premiums for specific driver, coverage, and geographic profiles.
Unless otherwise specified, the standard rate examples generally represent drivers between ages 20 and 70 with a clean driving record and average or better credit.
Liability-only estimates use bodily injury and property damage limits ranging from state minimums to higher limits, depending on the quote profile.
Full-coverage estimates include liability coverage along with comprehensive and collision coverage, with the supplied methodology using $1,000 deductibles for comprehensive and collision coverage.
Actual premiums can differ from these averages because insurers evaluate drivers differently and individual underwriting factors can significantly affect the final price.
Final Thoughts
Finding affordable car insurance in Florence starts with comparing multiple insurers rather than relying on a single quote. The supplied data shows substantial differences between companies for liability, full coverage, teen drivers, seniors, and drivers with incidents on their records.
USAA, Auto-Owners, and State Farm appear among the lower-priced options in several of the supplied rate tables, although eligibility and individual pricing vary.
To keep your insurance costs manageable, compare quotes regularly, maintain a clean driving record, ask about discounts, select an appropriate deductible, and make sure your coverage provides enough protection for your financial situation.