Florence, October 4, 2025
Way.com
Way.com is a leading digital platform specializing in automotive services, including auto insurance analysis, parking solutions, and vehicle management. Established with the mission to simplify car-related needs, Way.com has become a trusted resource for consumers seeking competitive rates and comprehensive information about auto insurance in various regions. Their data team conducts detailed research and analysis, such as evaluating rates and the impact of traffic violations, to empower residents and drivers to make informed decisions. With a focus on innovation and customer-centric services, Way.com continues to expand its offerings, delivering valuable insights and solutions to meet the evolving needs of auto owners and drivers nationwide.
News Summary
A recent analysis by Way.com has unveiled the disparities in auto insurance rates in Florence, showcasing the impact of traffic violations on premiums. Cincinnati offers the lowest liability insurance at $21/month, followed closely by Mercury at $23. Full coverage options are led by Cincinnati at $62/month. The report emphasizes how various traffic violations can considerably increase insurance costs, urging residents to be cautious with their driving habits when selecting insurance policies.
Florence
In October 2025, the data team at Way.com has released a comprehensive analysis of auto insurance rates in Florence, revealing significant variations in premiums across different insurance providers and indicating how traffic violations can greatly impact the costs. The analysis offers valuable insights for residents seeking the best auto insurance options available in the area.
Current Auto Insurance Rates
The cheapest liability insurance rates in Florence, according to the report, are led by Cincinnati at just $21 per month, closely followed by Mercury at $23 per month. Other notable entrants include USAA at $33, Country Financial at $35, and Auto-Owners Insurance Co at $36 per month.
For those seeking full coverage insurance, Cincinnati again takes the top spot with a premium of $62 per month. Auto-Owners Insurance Co offers full coverage at $80, while Country Financial charges $98. State Farm and Travelers follow with rates of $104 and $105 respectively.
Impact of Traffic Violations on Premiums
The Way.com report indicates that traffic violations significantly affect auto insurance premiums in Florence. The average premium without any violations stands at $154. However, the following violations lead to increased rates:
- Not-at-fault accident: $160
- Failure to wear a seatbelt: $185
- Speeding 6-10 MPH over the limit: $191
- Speeding 21-25 MPH over the limit: $202
- Driving Under the Influence (DUI): $282
- Reckless driving: $259
- Driving with a suspended license: $271
- Leaving the scene of an accident or hit and run: $293
Analysis of Traffic Violations
The impact of traffic violations on auto insurance rates varies depending on the severity and type of the offense. Minor offenses, such as small speeding violations, lead to more modest increases in premiums, while serious violations like DUIs can significantly escalate the cost of insurance. In Florence, these premiums may also fluctuate based on local regulations and the specific policies of insurance providers. Residents are advised to be mindful of their driving habits, as the costs can add up dramatically following a violation.
Understanding Insurance Premium Discrepancies
The disparities in auto insurance rates in Florence so far reflect a blend of insurer filings analyzed by Way.com, which considered a range of ZIP codes across the United States. This thorough examination enables residents to compare providers effectively, ensuring they can secure competitive rates that fit their budgets.
Weather Forecast
As auto insurance discussions unfold, residents may also be interested in the local weather forecast. The morning will present a mix of clouds and sun, transitioning into cloudy skies by the afternoon. The forecasted high temperature is 78°F, with light winds from the northeast ranging from 5 to 10 mph. Evening skies will initially be partly cloudy before becoming overcast overnight, with a forecast low close to 60°F.
Conclusion
The findings on auto insurance rates and the implications of traffic violations in Florence provide residents with important information. As residents navigate their insurance options, they should weigh the costs against their driving behaviors to make informed decisions.
FAQ Section
What is the cheapest liability insurance rate in Florence?
The cheapest liability insurance rate in Florence is offered by Cincinnati at $21 per month.
How do traffic violations affect auto insurance rates?
Traffic violations can significantly increase auto insurance premiums, with rates varying based on the type and severity of the offense. For example, a DUI can raise premiums by as much as $282.
What are the top providers for full coverage insurance in Florence?
The top providers for full coverage insurance in Florence are Cincinnati ($62), Auto-Owners Insurance Co ($80), and Country Financial ($98).
Key Features Chart
| Insurance Type | Top Provider | Monthly Rate |
|---|---|---|
| Liability Insurance | Cincinnati | $21 |
| Full Coverage Insurance | Cincinnati | $62 |
| Traffic Violation: DUI | – | $282 |
| Traffic Violation: Reckless Driving | – | $259 |
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Additional Resources
- AOL News: Car Insurance Rates in Florence
- Wikipedia: Car Insurance
- Index Journal: Car Insurance Rates in Florence
- Google Search: Car Insurance Rates Florence
- Stacker: Car Insurance Rates in Florence
- Encyclopedia Britannica: Car Insurance
- Finance Buzz: Best Car Insurance in SC
- Google News: Florence Car Insurance
- Finance Buzz: Average Cost of Car Insurance in SC
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.
