Car Insurance in Florence, South Carolina
Estimated full coverage in Florence runs about $1,750 a year ($146/month) — ▲ +3% versus the South Carolina average, ranking 11th most expensive of the 13 South Carolina cities we cover.
Why car insurance in Florence costs more than the South Carolina average
Insurers price by territory, and Florence's numbers explain most of the gap. With 40,923 residents on 24.8 square miles, the city's density (1,649 people per square mile) is 5.8 times the density where the typical South Carolina resident lives (284). The average commute is 18.7 minutes (South Carolina: 25.6), and 76% of workers drive alone. Together these put our location factor at 1.03× the state baseline for liability and collision, and 1.00× for comprehensive once FEMA weather risk for Florence County is included.
| Factor | Florence | South Carolina ref. | Why it matters |
|---|---|---|---|
| Population density | 1,649 / sq mi | 284 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 18.7 min | 25.6 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 3.1% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 76.3% | — | Share of workers commuting by car. |
| Public transit to work | 0.9% | — | Transit use lowers how much residents drive. |
| Work from home | 11.0% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 9.0% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 73.0 | 84.2 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Florence
Rates can change from one ZIP code to the next. Across 3 Florence ZIP codes, our full-coverage estimate ranges from $1,610 in 29506 to $1,710 in 29501. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 29501 | 48,673 | 929 | 19.6 min | 7.0% | $1,710 | −2% |
| 29505 | 23,895 | 470 | 20.1 min | 4.5% | $1,660 | −5% |
| 29506 | 20,777 | 172 | 22.6 min | 12.2% | $1,610 | −8% |
Minimum car insurance in Florence
Florence drivers follow South Carolina's rules: at least 25/50/25 liability coverage, and uninsured motorist coverage. South Carolina is at-fault (tort). We estimate state-minimum coverage in Florence at $755 a year, and $1,100 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $25,000 per person / $50,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $25,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | — South Carolina does not require personal injury protection. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | Yes | 25/50/25 Uninsured motorist coverage equal to the minimum liability limits (25/50/25) is required, typically with a $200 deductible for property damage. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Insurers must offer underinsured motorist coverage, but buying it is optional. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical payments coverage is optional. | Medical bills for you and your passengers |
There is no grace period for auto insurance premium payments.
Risk factors that shape Florence premiums
Accidents
South Carolina recorded 1,038 traffic deaths, or 1.67 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
South Carolina's vehicle theft rate is 162 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Ford Pickup (Full Size) (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Florence County as relatively moderate for hail, relatively moderate for inland flooding and relatively moderate for strong wind, and relatively high for hurricanes.
Traffic & commuting
3.1% of Florence commuters spend an hour or more getting to work, and there are 1.63 vehicles per household. 11.0% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 91.0 | Comprehensive (car); roof claims (home) | |
| Tornado | 94.6 | Comprehensive; dwelling | |
| Hurricane | 96.0 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 82.6 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | 0.0 | Comprehensive; home needs a separate flood policy | |
| Strong wind | 73.9 | Comprehensive; dwelling | |
| Winter weather | 78.1 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Florence by driver profile
A clean-record driver in their 50s pays the least in our Florence model (about $1,610 for full coverage); an 18-year-old on their own policy pays about $4,810, and a DUI pushes a 30-something to $3,235.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $2,080 | $3,020 | $4,810 | $401 |
| Young adult (22) | $1,210 | $1,755 | $2,800 | $233 |
| Adult in their 30s | $755 | $1,100 | $1,750 | $146 |
| Adult in their 50s | $695 | $1,010 | $1,610 | $134 |
| Senior (72) | $850 | $1,230 | $1,960 | $163 |
| 30s, one at-fault accident | $1,100 | $1,590 | $2,535 | $211 |
| 30s, DUI on record | $1,400 | $2,030 | $3,235 | $270 |
Minimum vs. standard vs. full coverage in Florence
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $755 | $63 | $620–$895 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $1,100 | $91 | $900–$1,295 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,750 | $146 | $1,435–$2,065 |
Estimate your premium in Florence
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Cheap car insurance in Florence: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Florence's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $90 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $125 | You're among the 11.0% of Florence workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $355 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $650 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $385 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Florence
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 11 offices listed below.
- Check complaint records with the South Carolina Department of Insurance (complaint information) before you buy.
- Mention your ZIP code accurately — within Florence, our estimates differ by up to $100 a year between neighborhoods.
Car insurance agents near Florence, SC
We found 11 insurance offices within about 4 miles of central Florence, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
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Austin Wilson - State Farm
2005 2nd Loop Rd, Florence, SC 29501 -
Brandon Hardee - Allstate
1600 2nd Loop Rd, Florence, SC 29505 -
Jennifer Curley Dunleavy - Allstate
1801 Cherokee Rd, Florence, SC 29501 -
Marla A. Matthews - Allstate
817 2nd Loop Rd, Ste A, Florence, SC 29505 -
Daniel Tully - State Farm
162 S Cashua Drive, Florence, SC 29501 -
Roger Armfield - GEICO
2151 West Evans Street, Florence, SC 29501 -
Mark Hanna - Allstate
714 S Coit St, Florence, SC 29501 -
Acceptance Auto Insurance
SC -
Andy Jeffords - Allstate
1333 S Irby St, Ste B, Florence, SC 29505 -
Freeway Insurance
1337 South Irby St, Florence, SC 29505 -
Tindal Insurance & Blackcat Bail Bonds
SC
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Florence
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,335 | −24% |
| Subaru Outback | Wagon | $1,315 | −25% |
| Tesla Model 3 | Midsize car | $1,800 | +3% |
| Subaru Forester | Small SUV | $1,280 | −27% |
| Honda Civic | Compact car | $2,005 | +15% |
| Toyota Corolla | Compact car | $1,895 | +8% |
| Jeep Wrangler | Midsize SUV | $1,555 | −11% |
| Mazda CX-5 | Small SUV | $1,495 | −15% |
| MINI Cooper | Subcompact car | $1,335 | −24% |
| Tesla Model Y | Midsize SUV | $1,620 | −7% |
Car insurance in nearby South Carolina cities
- Myrtle Beach $1,745/yr · 61 mi
- Lancaster $1,855/yr · 68 mi
- Columbia $1,700/yr · 72 mi
- Goose Creek $1,850/yr · 83 mi
- Summerville $1,990/yr · 84 mi
- Rock Hill $1,865/yr · 87 mi
- North Charleston $1,850/yr · 92 mi
- Charleston $1,830/yr · 94 mi
- Mount Pleasant $1,875/yr · 95 mi
- Spartanburg $1,800/yr · 132 mi
- Greenville $1,805/yr · 153 mi
- Anderson $1,830/yr · 164 mi
All South Carolina cities and state rules · Homeowners insurance in Florence
Frequently asked questions
How much is car insurance in Florence, SC?
We estimate full coverage in Florence at about $1,750 a year ($146 a month) for a driver in their 30s with a clean record, and about $755 for South Carolina's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Florence more expensive than the South Carolina average?
Our Florence estimate is 3% higher than the statewide figure. The model reflects a population density of 1,649 people per square mile (the typical South Carolina resident lives at about 284) and an average commute of 18.7 minutes versus 25.6 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Florence?
Drivers in Florence follow South Carolina law: at least 25/50/25 liability coverage and uninsured motorist coverage.
Which ZIP code in Florence has the cheapest car insurance?
Among Florence's 3 ZIP codes, 29506 has the lowest estimate (about $1,610 a year for full coverage) and 29501 the highest (about $1,710), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Florence?
An 18-year-old with their own full-coverage policy would pay around $4,810 a year in Florence by our estimate ($2,080 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Florence?
Yes. FEMA's National Risk Index rates Florence County for hurricane (relatively high) and tornado (relatively high) risk. Weather mainly affects the comprehensive part of a policy, which pays for hail, flood and wind damage.
Are there car insurance agents near me in Florence?
We list 11 insurance offices in and around Florence, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- South Carolina Department of Insurance: Automobile Insurance
- South Carolina Department of Insurance: FAQs - Auto Insurance
- SCDMV: Driver Suspension Eligibility Week information (SR-22)
- South Carolina Code Title 38 Chapter 77 (automobile insurance)
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Florence and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places