How Much Does Car Insurance Cost in Florence, SC?
Rates last verified and updated: July 2026.
Florence sits where I-95 meets I-20 in South Carolina’s Pee Dee region, making it a crossroads for commuters, freight traffic and patients visiting the McLeod Health campus – all factors insurers weigh when pricing local policies. South Carolina law, enforced by the South Carolina Department of Insurance, requires every driver here to carry at least liability coverage, and InsuranceQuotes lets Florence drivers pull real quotes from multiple carriers before they renew.
Average Florence Car Insurance Rates:
- State Minimum Liability: You can expect to pay $91 a month or $1,090 a year.
- Full Coverage: You can expect to pay $202 a month or $2,425 a year.
These Florence figures come from InsuranceQuotes’ real-time database of recent local quotes, based on a single, middle-aged driver with a clean record driving a used vehicle. Keep reading for a breakdown of the cheapest providers, plus a South Carolina home insurance option worth bundling in.
Before locking in a policy, it pays to weigh a few coverage tiers against the citywide averages below. Once you know where your quote should land, comparing free local and national rates – or checking the broader South Carolina auto insurance rates – through InsuranceQuotes takes just a few minutes.
Cheapest Car Insurance Providers in Florence
- In Florence, SC the cheapest auto insurance providers on average are State Farm, Allstate and GEICO.
- State minimum liability car insurance starts at $75 a month or $901 a year.
- Full coverage car insurance would cost around $202 a month or $2,425 a year.
The table below shows what Florence’s most affordable local and national insurers actually charge, drawn from our data set of single, middle-aged drivers with clean records driving used vehicles:
| Insurance Provider: | Minimum Liability: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| State Farm | $901 | $75 | $2,425 | $202 |
| Allstate | $1,024 | $85 | $3,634 | $303 |
| GEICO | $1,129 | $94 | $3,466 | $289 |
| Progressive | $1,193 | $99 | $4,400 | $367 |
| Travelers | $1,202 | $100 | $2,514 | $209 |
| Average Cost: | $1,090 | $91 | $3,288 | $274 |
Auto Insurance Rates by Age
Insurance providers in South Carolina use age as a significant factor that influences your auto rates and quotes you receive. Younger drivers tend to face higher annual premiums compared to mature, more experienced drivers.
Statistics show that younger drivers, particularly teenagers and individuals in their early twenties, are more likely to be involved in accidents due to their limited driving experience and potential risky behavior on the road. Drivers older than 25 will see a significant drop in their auto policy costs as they are moved into the middle aged cost group for coverage.
* Full Coverage Average Costs:
- 17 – 25 years: $6,693 yearly – $558 monthly
- 25 – 54 years: $3,290 yearly – $276 monthly
- 55+ years: $3,396 yearly – $283 monthly
* State Minimum Liability Average Costs:
- 17 – 25 years: $2,223 yearly – $185 monthly
- 25 – 54 years: $1,095 yearly – $91 monthly
- 55+ years: $1,233 yearly – $103 monthly
Here is a breakdown of the average costs for car insurance based on age in South Carolina:
| Age: | Minimum Liability: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| 17 | $3,366 | $281 | $9,685 | $807 |
| 18 | $2,906 | $242 | $8,644 | $720 |
| 20 | $1,998 | $167 | $6,189 | $516 |
| 22 | $1,530 | $127 | $4,763 | $397 |
| 24 | $1,317 | $110 | $4,184 | $349 |
| 29 | $1,128 | $94 | $3,597 | $300 |
| 34 | $1,070 | $89 | $3,377 | $281 |
| 39 | $1,062 | $88 | $3,336 | $278 |
| 44 | $1,049 | $87 | $3,260 | $272 |
| 49 | $1,046 | $87 | $3,236 | $270 |
| 54 | $995 | $83 | $3,042 | $254 |
| 64 | $999 | $83 | $2,976 | $248 |
| 74 | $1,300 | $108 | $3,671 | $306 |
| 76 | $1,401 | $117 | $3,895 | $325 |
Does Vehicle Type Affect Coverage Costs?
The type of vehicle you drive in South Carolina will affect the overall costs of car insurance.
To determine how much you can expect to pay for your insurance based on vehicle type we averaged multiple cost quotes in SC and pulled data for vehicles such as a Toyota Camry, Chevrolet Bolt, BMW 4 Series, Honda CRV and Nissan Titan.
We pulled data from South Carolina insurance policy cost records across multiple providers. Our table displays the average costs associated with vehicle types for state minimum vs. full coverage policies of a driver who is single, middle aged, has a clean driving record, for a used vehicle:
| Vehicle Type: | Minimum Liability: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| Car (4door): | $1,625 | $135 | $4,294 | $358 |
| Hybrid Electric: | $1,598 | $133 | $4,721 | $393 |
| Luxury Coupe: | $1,520 | $127 | $5,939 | $495 |
| SUV: | $1,430 | $119 | $3,613 | $301 |
| Truck: | $1,708 | $142 | $4,785 | $399 |
How Much is Insurance for a New Car in South Carolina?
New car drivers can often expect to pay more to insure their vehicles since they cost more to repair and have higher rates of theft. However, coverage is sometimes cheaper than older models of the same vehicle because of enhanced security features on newer models that lower your annual premiums.
We pulled insurance cost rates data for newer 2022-2023 vehicles below to give you an idea of the difference in coverage price for newer cars vs. used vehicles in South Carolina:
| Vehicle Type: | Minimum Liability: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| Car (4door): | $1,384 | $115 | $4,676 | $390 |
| Hybrid Electric: | $1,536 | $128 | $4,897 | $408 |
| Luxury Coupe: | $1,519 | $127 | $6,987 | $582 |
| SUV: | $1,319 | $110 | $3,899 | $325 |
| Truck: | $1,619 | $135 | $5,587 | $466 |
How Much Do Insurance Rates Increase with Driving Record Violations?
Driving violations can have a significant impact on your car insurance costs in South Carolina, as they indicate a higher level of risk to insurance providers. When you receive a driving violation, such as a speeding ticket or a DUI, your insurance company may consider you a higher-risk driver, which can lead to an increase in your insurance premiums.
Here is a breakdown of full coverage car insurance cost increases with driving violations:
- Clean Driving Record: Average annual premium cost of $2,771
- Speeding Tickets: 17% increase of an extra $471 a year at $3,242
- At-Fault Accident: 45% increase of an extra $1,236 a year at $4,007
- DUI/DWI: 47% increase of an extra $1,309 a year at $4,080
| Driving Violation: | Minimum Liability: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| Clean Record: | $806 | $67 | $2,771 | $231 |
| 1 Speeding Violation: | $954 | $79 | $3,242 | $270 |
| 1 At-Fault Accident: | $1,208 | $101 | $4,007 | $334 |
| 1 DUI Violation: | $1,265 | $105 | $4,080 | $340 |
How Driving Violations Affect Insurance Premiums:
Here’s how different types of driving violations can affect your car insurance costs in South Carolina:
- Speeding Tickets: Minor speeding tickets may result in a slight increase in your premiums. However, multiple speeding tickets or more severe speeding violations could lead to larger premium hikes.
- DUI/DWI: A DUI (driving under the influence) or DWI (driving while intoxicated) conviction can have a significant impact on your insurance rates. Your premiums are likely to increase substantially, and some insurance companies might even choose to cancel your policy due to the increased risk.
- Reckless Driving: Being convicted of reckless driving can lead to higher insurance premiums. Reckless driving is considered a serious offense, as it demonstrates a disregard for traffic laws and safety.
- At-Fault Accidents: If you are at fault in an accident, especially if it results in significant property damage or injuries, your insurance rates are likely to increase. At-fault accidents indicate a higher risk of future claims.
- Traffic Violations: Other traffic violations such as running red lights, stop signs, or not using a seatbelt can also impact your insurance rates, although the degree of impact may vary.
Insurance companies use your driving record to assess the risk you pose as a policyholder. The more violations you accumulate, the higher the likelihood that your insurance rates will increase. In some cases, multiple violations could result in your insurance company deciding not to renew your policy.
If you currently have driving record violations, you can inquire about defensive driving courses that may be available in South Carolina, completing a DD course can sometimes help reduce your overall rates.
How Much Auto Insurance Coverage Do I Need?
In South Carolina, as in most states, you are required to have a minimum amount of car insurance coverage to legally operate a vehicle. The required minimum car insurance coverage in South Carolina includes:
- Liability Insurance: You must have liability insurance that covers at least:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $25,000 property damage liability coverage per accident
These minimum limits help cover costs related to injuries and property damage for others involved in an accident for which you are at fault.
Many drivers opt for higher coverage limits to ensure they are adequately protected in case of an accident. Additionally, you might want to consider optional coverages such as uninsured – underinsured motorist coverage, comprehensive coverage, and collision coverage for more comprehensive protection.
When deciding how much car insurance you need in South Carolina, it’s advisable to assess your assets, budget, driving habits, and overall financial situation.
- $25,000 per person to cover injuries
- $50,000 maximum for injuries in a single accident
- $25,000 for all property damage in a single accident
Keep in mind that South Carolina is unlike many other states when it comes to auto insurance. In most states, your vehicle registration is suspended if you don’t have insurance, but in South Carolina, if you don’t have insurance, the state can suspend your driver’s license as well.
South Carolina Insurance Cost City Guides:
Florence drivers pay an average of $202 a month (about $2,425 a year) for full coverage car insurance in 2026, while a state-minimum liability policy runs closer to $91 a month. Sitting where I-95 meets I-20 in the Pee Dee region, Florence sees more through-traffic than many similarly sized South Carolina cities, a factor insurers weigh into local pricing. Shopping quotes from State Farm, Allstate and GEICO – the cheapest carriers in the local market – is the fastest way to bring your premium down.
How much is car insurance in Florence, SC per month?
Car insurance in Florence, SC averages $56/month for minimum coverage and $148/month for full coverage in 2026. USAA offers competitive rates starting around $43/month. Comparing quotes from multiple carriers is the best way to find the lowest rate for your specific profile in Florence.
What car insurance is required in Florence, SC?
SC requires minimum coverage of 25/50/25. SC is a tort state — the at-fault driver is legally responsible for the other party’s damages. Driving without insurance in SC risks license suspension and fines.
Is SC a no-fault car insurance state?
No. SC is a tort state. The at-fault driver is responsible for the other party’s injuries and property damage. Your liability coverage pays for damages you cause to others.
Who offers the cheapest car insurance in Florence, SC?
For Florence drivers in 2026, USAA consistently offers some of the most competitive rates in SC starting around $43/month for minimum coverage. State Farm, GEICO, and Progressive are also widely available. Rate differences between carriers in SC can exceed $50 to $80/month for identical coverage — always compare at renewal.
What do Florence, SC drivers need to know about car insurance in 2026?
South Carolina requires uninsured motorist coverage. Coastal areas near Myrtle Beach and Charleston see higher rates due to hurricane and flood exposure. To lower your Florence premium: (1) compare at least three carrier quotes annually, (2) keep a clean driving record, (3) bundle auto and home or renters for 5 to 15% savings, and (4) consider raising your collision and comprehensive deductible to $1,000 to cut full-coverage costs by 10 to 15%.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
