Cheapest Auto Insurance in Florence, South Carolina (2025)

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, its congested highways contribute to higher car insurance rates than many other areas of the state.

If you live in Florence and are looking for car insurance, you might pay around $198 per month for a liability-only policy and $284 for full coverage. But you have ways to reduce your car insurance bill.

Here’s what you need to know about comparing quotes and finding affordable car insurance in Florence.

3 of the 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. You can start your search with the three insurers listed below.

Best insurer for military members and veterans: USAA

Best insurer for low-mileage drivers: Allstate

Best insurer for young drivers: GEICO

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 offer a significant 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: USAA

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 average rate for liability insurance in Florence is $198 per month. Here’s a look at the most affordable liability-only insurance companies in Florence.

Cheapest full-coverage car insurance in Florence: USAA

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. On average, Florence drivers pay $284 per month for full coverage. Here, you can see a collection of affordable insurers in the area.

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:

If you’d like to invest in coverage that extends beyond the required minimum, you might consider the following policies:

Cheapest car insurance for drivers with an incident

Incidents like at-fault accidents, speeding tickets, and DUIs can increase your car insurance rates for several years. 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: USAA

Because speeding may increase your risk of losing control of your vehicle and causing a car accident, it can lead to higher premiums for three to five years. Florence drivers with a speeding ticket pay an average cost of $236 per month for liability coverage.

Here’s an overview of liability-only quotes from the cheapest car insurers for drivers with a speeding ticket in Florence.

Cheapest car insurance for drivers with an at-fault accident: USAA

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 $249 per month. Below, you’ll find liability-only quotes from the cheapest insurance companies in Florence for drivers with an at-fault accident on their records.

Cheapest car insurance for drivers with a DUI: USAA

A DUI is a serious traffic violation, one that stays on your record permanently in South Carolina. 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.

Florence drivers with a DUI on their record pay a monthly average of $101 for liability coverage. Here’s a look at the most affordable liability-only car insurance companies in Florence for drivers with DUIs.

Cheapest car insurance for seniors: USAA

Overall, senior drivers enjoy the lowest car insurance rates of any age group. But around age 70, seniors' rates increase slightly due to factors like potential health concerns and increased accident risks.

Senior drivers in Florence pay an overall monthly average of $209 for car insurance. To find affordable coverage as a senior in Florence, here’s an overview of the cheapest car insurance options in the area.

Cheapest car insurance for teens: USAA

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 speeding and distracted driving, which lead to higher accident risk. Florence teen drivers pay an overall average of $485 per month for car insurance.

Fortunately, teens can save money if they stay on their parents’ policy or take advantage of a good student discount. Drivers younger than 18 can't legally buy their own policy without the written consent of a parent or guardian. The table below highlights the cheapest car insurance companies for teens and young drivers in Florence.

Florence car insurance quotes by credit tier

Research shows that drivers with good to excellent credit usually file fewer claims than drivers with poor credit. This is why most South Carolina auto insurers use drivers' credit histories to generate credit-based insurance scores to help determine rates. Even though looking at credit histories is illegal in some states, South Carolina allows car insurance companies to consider them when offering policies.

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

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, traffic congestion, and accident/crime rates.

More cities in South Carolina

Car insurance rates in Florence are comparable to those in many other communities in South Carolina. A liability-only policy in Florence costs $146 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.

Florence car insurance FAQs