Florence Auto Insurance Rates, Quotes, Agents & Reviews in SC

Florence, SC Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Florence, SC, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Median car insurance in Florence, South Carolina, is the lowest for married females aged 25-65 years: Zimlon’s analysis of the top 5 companies

A Zimlon analysis of the 2016 NAIC Annual Report reveals that married female drivers aged 25-65 years pay the lowest median rate of $910 in Florence city, South Carolina. The highest median rate, on the other hand, is $3,199 and paid by single female drivers aged 25-65 years. According to the report, the four companies with the highest market share are State Farm Automobile Insurance Company, Allstate Fire and Casualty Insurance Company, State Farm Fire and Casualty Company, and Nationwide Affinity Insurance Company of America.

The following table lists the 10 driver cohorts, median premium rate for each cohort, and premiums charged by companies with the highest market share in Florence city, South Carolina.

Cohort Median State Farm Mutual Automobile Insurance Company Allstate Fire and Casualty Insurance Company State Farm Fire and Casualty Company Nationwide Affinity Insurance Company of America
Single male drivers aged 25-65 years $1,002 $308 < median $373 < median $118 < median $130 < median
Married female drivers aged 25-65 years $910 $216 < median $334 < median $26 < median $110 < median
Married female drivers under 25 years $2,079 $875 < median $835 < median $566 < median $483 < median
Married male drivers aged 25-65 years $936 $242 < median $360 < median $52 < median $120 < median
Single female drivers aged 25-65 years $994 $300 < median $383 < median $110 < median $138 < median
Married male drivers under 25 years $2,497 $895 < median $1,203 < median $494 < median $166 < median
Single male drivers under 25 years $3,199 $891 < median $1,692 < median $325 < median $44 < median
Single female drivers under 25 years $2,672 $868 < median $1,419 < median $420 < median $229 < median

State Mutual Automobile Insurance Company offers the lowest premium at $895 less than the median for married male drivers under 25 years. Its highest premium is $216 less than the median and for married female drivers aged 25-65 years.

Allstate Fire and Casualty Insurance Company offers the cheapest premiums at $1,692 less than the median to single male drivers aged 25-65 years. It’s most expensive premium rate is $334 greater than the median and offered to married female drivers aged 25-65 years.

State Farm Fire and Casualty Company’s most expensive premium rate is $26 less than the median and for married female drivers aged 25-65 years. The cheapest rate it offers is $494 less than the median and offered to married male drivers under 25 years.

Nationwide Affinity Insurance Company of America offers the highest premium among the four companies at $44 less than the median, which is for single male drivers aged 25 years. Its cheapest premium is $483 less than the median for married females under 25 years.

The following chart compares the car insurance premium rates by the four companies with the highest market share in Florence, South Carolina.

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How Can I Lower My Car Insurance in Florence, SC?

The average cost of auto insurance in Florence, SC, is $1,083. This is lower than in most neighboring places such as Quinby, Sellers, Danwood, Pamplico, and Timmonsville. Residents of Florence should compare multiple auto insurance quotes and reviews before deciding what best suits their needs. Here are some ways to increase savings in Florence.

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Multi-Car Insurance:

Car owners in Florence, SC, can save more by insuring their vehicles with the same auto insurance company. Insurers offer discounts on multi-car insurance policies. Bundling is another way of increasing your savings. Car owners can insure their life, auto, and home insurance with the same insurer to get added benefits.

The cost of insuring two cars under a multi-car insurance policy in Florence, SC, is $1,863, while it would cost $3,726 for four vehicles. The savings on multi-car insurance in Florence also depends on the make and model of the car.

Anti-Theft Device:

Equipping one’s vehicle with an anti-theft device can go a long way in helping car owners lower the cost of auto insurance. Providing your vehicle with a passive disabling device will fetch the most amount of savings.

Hybrids and Electric Vehicles:

Zimlon found that Farmers and Travelers are among the few companies that offer discounts on alternative-fuel vehicles. Hybrids and Electric Vehicles are considered environmentally friendly thanks to lower emission rates. For such cars, Farmers offers car owners discounts of up to 5% in some states.

Credit Score:

Having an “excellent” or “good” credit score will help car owners save on auto insurance in Florence, SC. The cost of auto insurance can be low if the driver’s credit score is “exceptional”.

Deductibles:

Paying a higher deductible will also help car owners lower the cost of insurance. For instance, the yearly premium in Florence on a deductible of $500 is $1,066. It decreases to $900 when the deductible is higher ($1,000).

Driving Record:

Most car insurance companies offer substantial discounts to drivers with a clean driving record. GEICO provides a 26% discount to drivers with a spotless driving record for five years. On the other hand, State Farm offers discounts when a driver goes three or more years with an accident-free record. With the advent of modern technology in the car insurance industry, Usage-Based Insurance (UBI) is increasingly being used to personalize car insurance. UBI works through both plugin devices and mobile apps. It keeps track of various factors in one’s car, making insurance rates more personalized.  

The cost of auto insurance in Florence, SC, post-DUI, increases to $1,636. However, this also depends on the driver’s age. Moreover, the cost of auto insurance post-DUI for teenagers is much higher. Safe and responsible drivers will find it easier to lower the cost of auto insurance in Florence. Other violations that can have a long-term impact on auto insurance in Florence include driving with an expired license and running a red light.

Factors that can influence the cost of car insurance in Florence, SC are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Florence, SC Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Florence, SC with that of other cities in and around Florence.

Florence Quinby Sellers Danwood Pamplico Timmonsville
Average Insurance Rates $1,083 $1,440 $1,617 $1,463 $1,405 $1,385

Florence, SC Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Florence, SC based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Florence $1,066 $900
Quinby $1,341 $1,133
Danwood $1,441 $1,217
Darlington $1,305 $1,102
Florence County $2,813 $2,376
Pamplico $2,130 $1,799
Timmonsville $1,676 $1,415
Sellers $1,666 $1,407

Florence, SC Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Florence, SC usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $3,514
20 Years $1,392
30 Years $1,072
40 Years $1,031
50 Years $955
60 Years $968
70 Years $1,127

Florence, SC Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Florence, SC can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $1,863 $303
3 Vehicles $2,794 $455
4 Vehicles $3,726 $606

Savings on 2 Vehicles bundle:$303

Savings on 3 Vehicles bundle:$455

Savings on 4 Vehicles bundle:$606


Florence, SC Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Florence, SC.

Location Average Insurance Cost Post DUI Insurance Rate
Florence $1,083 $1,636
Quinby $1,440 $2,176
Danwood $1,463 $2,211
Darlington $1,388 $2,097
Florence County $1,436 $2,170
Pamplico $1,405 $2,123
Timmonsville $1,385 $2,093
Sellers $1,617 $2,443

Florence, SC Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $929
Excellent (740-799) $1,061
Good (670-739) $1,129
Average (580-669) $1,472
Poor (300-579) $1,766

Florence, SC Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Billy Hoylen Insurance Agency Inc. Nationwide 305-A 2nd Loop Rd, Florence, 29505-2813 (843) 665-2196
Jim Stewart State Farm 2238 W Palmetto St, Florence, 29501-4047 843-665-2301
Langley Agency Travelers 2099 NORTH IRBY STREET, FLORENCE, 29501 843-667-6003
Dewey Powers State Farm 713 S Irby St, Florence, 29501-5213 843-662-8494
Aiken & Company Liberty Mutual Independent 221 WARLEY ST, FLORENCE, 29501 843-665-7555
Fred Jones Co Inc None 1320 W Evans St, Florence, 29502 None
Charles E Carroll Nationwide 1501 W Palmetto Street, Florence, 29501-4131 (843) 669-5859
Floyd Financial Services Llc Travelers 605 W EVANS STREET, FLORENCE, 29501 843-664-0260
Terry Benton Allstate 2422 Main St, Conway, 29526 (843) 248-5200

Florence, SC Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$48 $1,131
Driver's Failure In Showing Documents +$105 $1,188
Driving With An Expired Registration +$112 $1,195
Driving At A Considerably Slow Pace +$235 $1,318
Using A Cellphone While Driving +$248 $1,331
Running A Red Light +$252 $1,335
Speeding +$265 $1,348
Driving A Vehicle Without The Required Permission +$337 $1,420
Driving With An Expired/Suspended License +$730 $1,813

Florence, SC Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,040
Active Disabling Device $1,040
Tracking Device $1,018
Passive Disabling Device $1,007

Latest Auto Insurance Reviews in Florence, SC | Back to Top

State Farm
The State Farm rates are competitive and we check rates of the competition every year. So far, we have not been enticed to move and we expect this to be the case going forward.
Progressive
I would say they are fine to work with, and fairly easy to get coverage. It's just your basic insurance. I've never had issues getting assistance when needed. I would recommend, but I wouldn't be raving.
State Farm
State Farm's car insurance policy is decent. My agent actually shopped around for me, but I am not sure if he was completely honest because my rates are outrageous.
Liberty Mutual
I think they are competitive, they have a large number of beach front and high end homes and vehicles which almost cost them their business in previous years when the hurricanes came through.
Progressive
Progressive has comparable rates to other providers. I appreciate that payments are easy to complete online and on the app, and I am reminded to do so with a good amount of time.
Progressive
Very happy with the affordability of this insurer. My previous company was among the best for me several years ago, then they steadily increased their rates.
Nationwide
Our premium is fairly high, and we choose to be billed and pay monthly, which the company charges a small fee for monthly processing. I don't mind that, as it makes my budgeting easier.
Penn National
My experience with this insurer is very reliable and responsible when answering the nesecidades
Penn National
My experience with this insurer is very reliable and responsible when answering the nesecidades
Travelers
The premium for two vehicles, one a pickup the other a station wagon, was significantly lower than other insurance companies, saved me about $50/mo compared to other insurance companies. The premium also goes lower the more I add onto my insurance.