Car insurance rates in Florence October 2025

Car insurance rates in Florence October 2025

The auto insurance rates published in this guide are based on the results of research completed by Way.com's data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only.

- Cincinnati provides the cheapest liability coverage at $21 per month in Florence.
- Cincinnati offers the cheapest rates for full coverage insurance in Florence at $62 per month.

Read on to learn more about car insurance price trends in Florence. More car insurance rate data is available in the original article at Way.com.

Cheapest liability insurance in Florence

For drivers looking to meet Florence minimum car insurance requirements, liability-only insurance is the most budget-friendly choice.

Cheapest liability insurance in Florence
#1. Cincinnati: $21
#2. Mercury: $23
#3. USAA: $33
#4. Country Financial: $35
#5. Auto-Owners Insurance Co: $36

Cheap full coverage in Florence

Full coverage combines liability, comprehensive, and collision insurance, offering broader protection than liability coverage, which only covers damages or injuries you cause to others.

Cheapest full coverage insurance in Florence
#1. Cincinnati: $62
#2. Auto-Owners Insurance Co: $80
#3. Country Financial: $98
#4. State Farm: $104
#5. Travelers: $105

Impact of traffic violations on Florence auto insurance rates

In Florence, your car insurance premiums can rise significantly due to traffic violations. The extent of the increase depends on factors such as the violation type, local regulations, and the insurer's policies. Minor offenses like speeding might cause a small increase, while more serious violations, such as DUIs, can lead to much higher rates. Additionally, the effect on premiums in Florence may differ from the national average due to regional risks and rules.

Here's a breakdown of average auto insurance rates in Florence after common driving violations.

- No violation: $154
- Not-at-fault accident: $160
- Failure to wear a seat belt: $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 scene of an accident/hit and run: $293

This story was produced by Way and reviewed and distributed by Stacker.