Best Cheap Auto Insurance in Florence, CO (2021)

The average Florence, CO auto insurance rates are $311 per month. The minimum auto insurance in Florence is at least 25/50/15 in coverage to comply with Colorado auto insurance laws. To find the best cheap auto insurance in Florence, Colorado, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The average commute length in Florence is 24.1 minutes
  • The most expensive auto insurance company in Florence for teen drivers is Farmers
  • The cheapest auto insurance company in Florence is State Farm

Florence, Colorado auto insurance requirements are 25/50/15 according to Colorado auto insurance laws. Finding cheap auto insurance in Florence can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Florence, Colorado, including driving record, credit, commute time, and more.

Compare auto insurance in Florence to other Colorado cities, including Centennial auto insurance rates, Thornton auto insurance rates, and Colorado Springs auto insurance rates to see how Florence, Colorado auto insurance rates stack up.

Before you buy Florence, Colorado auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Florence, Colorado auto insurance quotes.

Minimum Auto Insurance in Florence, Colorado

Florence, Colorado auto insurance laws require that you have at least the Colorado minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Florence, Colorado.

Minimum Required Auto Insurance Coverage in Florence, Colorado

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $15,000 minimum

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Cheap Florence, Colorado Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Florence, Colorado are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Florence, Colorado

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,396 $3,190 $3,056 $3,088 $11,380 $11,945 $3,756 $3,786
American Family $2,357 $2,357 $2,128 $2,128 $5,710 $7,671 $2,357 $2,888
Farmers $3,135 $3,108 $2,846 $3,092 $11,910 $11,932 $3,407 $3,399
GEICO $2,052 $2,249 $2,222 $2,553 $6,380 $6,695 $1,865 $1,873
Liberty Mutual $1,941 $1,910 $1,646 $1,805 $5,331 $5,806 $1,957 $1,987
Nationwide $2,313 $2,357 $2,070 $2,189 $5,787 $7,409 $2,654 $2,867
Progressive $2,421 $2,269 $2,126 $2,117 $8,171 $9,128 $2,720 $2,644
State Farm $1,599 $1,599 $1,439 $1,439 $4,617 $5,832 $1,789 $2,124
USAA $2,263 $2,273 $2,146 $2,167 $5,548 $6,383 $2,916 $3,195

Cheap Florence, Colorado Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Florence, Colorado is a challenge. Take a look at the annual teen auto insurance rates in Florence, Colorado.

Annual Auto Insurance Rates for Teen Drivers in Florence, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,380 $11,945
American Family $5,710 $7,671
Farmers $11,910 $11,932
GEICO $6,380 $6,695
Liberty Mutual $5,331 $5,806
Nationwide $5,787 $7,409
Progressive $8,171 $9,128
State Farm $4,617 $5,832
USAA $5,548 $6,383

Cheap Florence, Colorado Auto Insurance for Seniors

What are senior auto insurance rates in Florence, Colorado? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Florence, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,056 $3,088
American Family $2,128 $2,128
Farmers $2,846 $3,092
GEICO $2,222 $2,553
Liberty Mutual $1,646 $1,805
Nationwide $2,070 $2,189
Progressive $2,126 $2,117
State Farm $1,439 $1,439
USAA $2,146 $2,167

Cheap Florence, Colorado Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Florence, Colorado compared to the annual auto insurance rates with a clean record in Florence, Colorado.

Annual Florence, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,672 $5,351 $6,504 $5,271
American Family $2,549 $3,629 $4,730 $2,890
Farmers $4,527 $5,822 $5,742 $5,323
GEICO $2,274 $3,561 $4,139 $2,970
Liberty Mutual $2,438 $2,866 $2,994 $2,894
Nationwide $2,659 $3,631 $4,607 $2,926
Progressive $3,417 $4,794 $3,605 $3,981
State Farm $2,349 $2,761 $2,555 $2,555
USAA $2,462 $2,990 $5,215 $2,778

Cheap Florence, Colorado Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Florence, Colorado is not easy. Compare the annual rates for DUI auto insurance in Florence, Colorado to find the best deal.

Annual Auto Insurance Rates After a DUI in Florence, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,504
American Family $4,730
Farmers $5,742
GEICO $4,139
Liberty Mutual $2,994
Nationwide $4,607
Progressive $3,605
State Farm $2,555
USAA $5,215

Cheap Florence, Colorado Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Florence, Colorado annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Florence, Colorado

Insurance Company Poor Fair Good
Allstate $6,966 $5,347 $4,036
American Family $4,477 $3,193 $2,679
Farmers $6,236 $5,039 $4,786
GEICO $3,893 $3,236 $2,580
Liberty Mutual $4,013 $2,436 $1,945
Nationwide $4,179 $3,306 $2,883
Progressive $4,501 $3,835 $3,512
State Farm $3,544 $2,281 $1,840
USAA $4,990 $2,830 $2,263

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Cheap Florence, Colorado Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Florence, Colorado can vary. Compare the annual cost of auto insurance by ZIP code in Florence, Colorado to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Florence, Colorado

ZIP Code Average Annual Rates
81226 $3,443

Cheap Florence, Colorado Auto Insurance Rates By Commute

Commute length and annual mileage affect Florence, Colorado auto insurance. Find the cheapest annual Florence, Colorado auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Florence, Colorado

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,450 $5,450
American Family $3,375 $3,524
Farmers $5,354 $5,354
GEICO $3,165 $3,307
Liberty Mutual $2,798 $2,798
Nationwide $3,456 $3,456
Progressive $3,950 $3,950
State Farm $2,493 $2,617
USAA $3,265 $3,457

Cheap Florence, Colorado Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Florence, Colorado? Check out the comparison of annual Florence, Colorado auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Florence, Colorado

Insurance Company Low Medium High
Allstate $5,140 $5,429 $5,780
American Family $3,270 $3,522 $3,557
Farmers $4,586 $5,263 $6,212
GEICO $2,802 $3,146 $3,760
Liberty Mutual $2,647 $2,787 $2,960
Nationwide $3,455 $3,454 $3,458
Progressive $3,599 $3,962 $4,288
State Farm $2,386 $2,555 $2,724
USAA $3,222 $3,360 $3,502

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Best By Category: Cheapest Auto Insurance in Florence, Colorado

Compare the cheapest auto insurance companies in Florence, Colorado in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Florence, Colorado

Category Insurance Company
Teenagers State Farm
Seniors State Farm
Clean Record GEICO
With 1 Accident State Farm
With 1 DUI State Farm
With 1 Speeding Violation State Farm

The Cheapest Florence, Colorado Auto Insurance Companies

What auto insurance companies in Florence, Colorado are the cheapest? Compare the top Florence, Colorado auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Florence, Colorado

Insurance Company Average Annual Rates
Allstate $5,450
American Family $3,449
Farmers $5,354
GEICO $3,236
Liberty Mutual $2,798
Nationwide $3,456
Progressive $3,950
State Farm $2,555
USAA $3,361

What affects auto insurance rates in Florence, Colorado?

There are a lot of reasons why auto insurance rates in Florence, Colorado are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Florence, Colorado. Many local factors may affect your Florence auto insurance rates.

Florence Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Florence, Colorado commute length is 24.1 minutes according to City-Data.

Florence Traffic

How does Florence, Colorado rank for traffic? According to Inrix Florence, Colorado is the 87th most congested worldwide.

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Compare Florence, Colorado Auto Insurance Quotes

Before you buy Florence, Colorado auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Florence, Colorado auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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