Florence, SC, October 4, 2025
Florence Auto Insurance
Florence Auto Insurance is a leading provider of affordable auto insurance solutions serving residents of Florence, South Carolina. Established with the goal of making car insurance accessible and cost-effective, the company has built a reputation for offering competitive rates, especially in liability and full coverage plans. Over the years, Florence Auto Insurance has prioritized customer satisfaction by providing tailored options that meet the unique needs of local drivers. Their comprehensive understanding of regional regulations and risks allows them to offer some of the lowest rates nationally, such as $21 for liability coverage. Their commitment to transparency and affordability continues to make them a trusted name in the South Carolina insurance market, helping residents drive safely and confidently.
News Summary
Drivers in Florence, South Carolina, can access some of the lowest auto insurance rates in the nation, as revealed by a recent study. Cincinnati leads the market with liability coverage starting at $21 per month and full coverage at $62. Other providers offer competitive rates, but drivers should be mindful of the potential increase in premiums due to traffic violations and poor credit scores. Understanding these factors is crucial for Florence residents looking to save on their auto insurance.
Florence Residents Benefit from Affordable Auto Insurance Options
Drivers in Florence, South Carolina, can take advantage of some of the lowest auto insurance rates in the country, according to recent research by Way.com’s data team. The study analyzed millions of rate averages from across the United States, providing detailed insights into the cost of car insurance for local residents.
Cheapest Auto Insurance Providers in Florence
Cincinnati has emerged as the most affordable auto insurance provider in Florence, offering liability coverage as low as $21 per month. For those seeking full coverage, Cincinnati also leads the market, with an average monthly premium of $62.
Top Liability Insurance Rates
The following are the top five cheapest liability insurance providers for Florence drivers:
- Cincinnati: $21
- Mercury: $23
- USAA: $33
- Country Financial: $35
- Auto-Owners Insurance Co: $36
Top Full Coverage Insurance Rates
Florence residents can also find competitive rates for full coverage insurance. The top five cheapest full coverage insurance providers are as follows:
- Cincinnati: $62
- Auto-Owners Insurance Co: $80
- Country Financial: $98
- State Farm: $104
- Travelers: $105
Impact of Traffic Violations
Despite the availability of affordable insurance, drivers in Florence should be aware that certain traffic violations can lead to significant increases in insurance premiums. The cost impact varies depending on the severity of the infraction and local regulations. Here are some average auto insurance rates in Florence following common driving violations:
- No violation: $154
- Not-at-fault accident: $160
- Failure to wear a seatbelt: $185
- Speeding 6-10 MPH over limit: $191
- Speeding 21-25 MPH over limit: $202
- DUI: $282
- Reckless driving: $259
- Driving with a suspended license: $271
- Leaving the scene of an accident/hit and run: $293
Florence drivers experience a more pronounced impact from violations compared to national averages, highlighting the importance of safe driving practices.
Credit Score’s Influence on Insurance Rates
Another factor influencing auto insurance costs in Florence is credit score. Drivers with poor credit typically pay significantly higher premiums than those with excellent credit ratings, further contributing to the overall cost of insurance in the area.
Comparative Average Insurance Costs
The average monthly cost for full coverage car insurance in South Carolina stands at $258, which is notably higher than the national average of $186. This disparity underscores the necessity for Florence drivers to shop around and compare rates to find the best options available.
Conclusion
Florence drivers have access to some of the most affordable auto insurance options available, thanks to competitive rates from providers like Cincinnati. However, the potential financial impact of traffic violations and credit scores remains a critical consideration for all motorists in the region.
FAQ Section
What are the cheapest auto insurance providers in Florence?
The cheapest auto insurance providers in Florence are Cincinnati, Mercury, USAA, Country Financial, and Auto-Owners Insurance Co.
How do traffic violations affect insurance rates in Florence?
Traffic violations can significantly increase insurance premiums, with costs varying based on the type of violation. For instance, a DUI can result in an average insurance rate of $282.
Why are insurance rates in South Carolina higher than the national average?
Average full coverage insurance rates in South Carolina are $258, compared to the national average of $186, due to various regional risks and regulations affecting insurance pricing.
Key Features Overview
| Feature | Cheapest Liability ($/mo) | Cheapest Full Coverage ($/mo) | Average Rate After No Violation ($) | Average Rate After DUI ($) |
|---|---|---|---|---|
| Cincinnati | 21 | 62 | 154 | 282 |
| Mercury | 23 | – | – | – |
| USAA | 33 | – | – | – |
| Country Financial | 35 | 98 | – | – |
| Auto-Owners Insurance Co | 36 | 80 | – | – |
Deeper Dive: News & Info About This Topic
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Additional Resources
- AOL News: Car Insurance Rates in Florence
- Index Journal: Car Insurance Rates in Florence
- Stacker: Car Insurance Rates in Florence
- FinanceBuzz: Average Cost of Car Insurance in South Carolina
- Insurance Journal: Southeast News
- Wikipedia: Car Insurance
- Google Search: Car Insurance Florence South Carolina
- Encyclopedia Britannica: Insurance
- Google News: Florence Car Insurance
Author: STAFF HERE FLORENCE WRITER
FLORENCE STAFF WRITER The FLORENCE STAFF WRITER represents the experienced team at HEREFlorence.com, your go-to source for actionable local news and information in Florence, Florence County, and beyond. Specializing in "news you can use," we cover essential topics like product reviews for personal and business needs, local business directories, politics, real estate trends, neighborhood insights, and state news affecting the area—with deep expertise drawn from years of dedicated reporting and strong community input, including local press releases and business updates. We deliver top reporting on high-value events such as the Florence Festival of Lights, Pee Dee Pride, and agricultural expos at the Florence Center. Our coverage extends to key organizations like the Florence Regional Chamber of Commerce and the Pee Dee Area Council of Governments, plus leading businesses in healthcare and retail that power the local economy such as McLeod Health and Pee Dee Electric Cooperative. As part of the broader HERE network, including HERECharleston.com, HEREColumbia.com, HEREGreenville.com, and HEREHiltonHead.com, we provide comprehensive, credible insights into South Carolina's dynamic landscape.
