Best Cheap Auto Insurance in Florence, KY (2021)

The average Florence, KY auto insurance rates are $311 per month. The minimum auto insurance in Florence is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Florence, Kentucky, 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: Jul 16, 2021

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Things to Remember

  • The cheapest auto insurance company in Florence is USAA
  • Average auto insurance rates in Florence, KY for senior drivers are $2,057 per year
  • The minimum auto insurance required in Florence, Kentucky is 25/50/25

Florence, Kentucky auto insurance requirements are 25/50/25 according to Kentucky 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, Kentucky, including driving record, credit, commute time, and more.

Compare auto insurance in Florence to other Kentucky cities, including Nicholasville auto insurance rates, Florence auto insurance rates, and Independence auto insurance rates to see how Florence, Kentucky auto insurance rates stack up.

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

Minimum Auto Insurance in Florence, Kentucky

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

Minimum Required Auto Insurance Coverage in Florence, Kentucky

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

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

Auto insurance rates in Florence, Kentucky 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, Kentucky

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 $2,921 $2,881 $2,650 $2,824 $11,067 $12,456 $3,212 $3,384
GEICO $3,012 $2,785 $3,158 $2,859 $6,318 $7,458 $2,454 $2,110
Liberty Mutual $2,446 $2,642 $2,066 $2,305 $10,698 $11,843 $2,563 $2,671
Nationwide $2,469 $2,469 $2,244 $2,336 $5,474 $6,787 $2,790 $2,925
Progressive $1,908 $1,811 $1,720 $1,724 $9,450 $10,678 $2,364 $2,414
State Farm $1,492 $1,492 $1,338 $1,338 $4,462 $5,669 $1,666 $1,851
Travelers $1,752 $1,781 $1,730 $1,731 $8,274 $13,187 $1,836 $2,096
USAA $1,587 $1,580 $1,442 $1,454 $4,322 $4,537 $1,991 $2,165

Cheap Florence, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Florence, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,067 $12,456
GEICO $6,318 $7,458
Liberty Mutual $10,698 $11,843
Nationwide $5,474 $6,787
Progressive $9,450 $10,678
State Farm $4,462 $5,669
Travelers $8,274 $13,187
USAA $4,322 $4,537

Cheap Florence, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Florence, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,650 $2,824
GEICO $3,158 $2,859
Liberty Mutual $2,066 $2,305
Nationwide $2,244 $2,336
Progressive $1,720 $1,724
State Farm $1,338 $1,338
Travelers $1,730 $1,731
USAA $1,442 $1,454

Cheap Florence, Kentucky 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, Kentucky compared to the annual auto insurance rates with a clean record in Florence, Kentucky.

Annual Florence, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,273 $5,599 $5,992 $4,835
GEICO $2,252 $3,997 $6,070 $2,758
Liberty Mutual $3,880 $5,972 $4,644 $4,122
Nationwide $2,766 $3,530 $4,421 $3,030
Progressive $3,317 $4,913 $3,781 $4,024
State Farm $2,205 $2,622 $2,413 $2,413
Travelers $3,534 $3,633 $5,240 $3,786
USAA $1,798 $2,535 $3,038 $2,167

Cheap Florence, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Florence, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,992
GEICO $6,070
Liberty Mutual $4,644
Nationwide $4,421
Progressive $3,781
State Farm $2,413
Travelers $5,240
USAA $3,038

Cheap Florence, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Florence, Kentucky

Insurance Company Poor Fair Good
Allstate $6,830 $4,742 $3,951
GEICO $6,198 $3,094 $2,016
Liberty Mutual $6,626 $4,100 $3,236
Nationwide $4,149 $3,291 $2,870
Progressive $4,458 $3,911 $3,657
State Farm $3,489 $2,107 $1,644
Travelers $4,505 $3,827 $3,812
USAA $3,522 $1,997 $1,635

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Cheap Florence, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Florence, Kentucky

ZIP Code Average Annual Rates
41042 $3,287
41091 $3,415

Cheap Florence, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Florence, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,174 $5,174
GEICO $3,734 $3,805
Liberty Mutual $4,654 $4,654
Nationwide $3,437 $3,437
Progressive $4,009 $4,009
State Farm $2,352 $2,475
Travelers $4,048 $4,048
USAA $2,298 $2,472

Cheap Florence, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Florence, Kentucky

Insurance Company Low Medium High
Allstate $4,821 $5,155 $5,548
GEICO $3,518 $3,757 $4,034
Liberty Mutual $4,455 $4,629 $4,879
Nationwide $3,441 $3,404 $3,465
Progressive $3,698 $3,969 $4,359
State Farm $2,251 $2,413 $2,577
Travelers $3,843 $4,071 $4,231
USAA $2,267 $2,379 $2,508

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Best By Category: Cheapest Auto Insurance in Florence, Kentucky

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

Best Annual Auto Insurance Rates by Company in Florence, Kentucky

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

The Cheapest Florence, Kentucky Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Florence, Kentucky

Insurance Company Average Annual Rates
Allstate $5,174
GEICO $3,769
Liberty Mutual $4,654
Nationwide $3,437
Progressive $4,009
State Farm $2,413
Travelers $4,048
USAA $2,385

What affects auto insurance rates in Florence, Kentucky?

There are a lot of reasons why auto insurance rates in Florence, Kentucky are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Florence, Kentucky. 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, Kentucky commute length is 22.3 minutes according to City-Data.

Florence Traffic

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

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Compare Florence, Kentucky Auto Insurance Quotes

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