Compare Florence, CO Car Insurance Rates (2021)

Car insurance in Florence, CO averages $311 a month. Florence, Colorado car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Florence car insurance rates, compare quotes from the top car insurance companies in Florence, CO.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Florence for teen drivers is State Farm
  • Average car insurance rates in Florence, CO are $3,734/year
  • The cheapest car insurance company in Florence is State Farm

If you need to buy Florence, Colorado car insurance, the options can be confusing. Everything you need to know about car insurance in Florence, CO is right here.

You’ll find Florence car insurance rates, the cheapest Florence, CO car insurance companies, and information on Colorado car insurance laws. You can also compare Florence, Colorado car insurance rates to Pueblo car insurance rates, Lakewood car insurance rates, and Arvada car insurance rates.

Ready to find affordable Florence, CO car insurance today? Enter your ZIP code for fast, free Florence car insurance quotes.

Cheapest Florence, CO Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Florence, CO car insurance rates? Every Florence, Colorado car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car 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

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Minimum Car Insurance in Florence, CO

Every driver must carry the minimum car insurance in Florence, CO. Take a look at the Colorado car insurance requirements.

Minimum Required Car 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

Cheapest Florence, CO Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Florence, CO. Compare credit history car insurance rates in Florence from top companies for good, fair, and poor credit.

Annual Car 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

Cheapest Florence, CO Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Florence, CO to rates for a clean record with top companies.

Annual Florence, Colorado Car 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

Cheapest Florence, CO Car Insurance for Teen Drivers

Teen car insurance in Florence, CO can be expensive. Take a look at rates from the top car insurance companies in Florence for teenagers.

Annual Car 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

Cheapest Florence, CO Car Insurance for Seniors

Take a look at Florence, CO senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car 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

Cheapest Florence, CO Car Insurance Rates After a DUI

A DUI in Florence, CO increases car insurance rates. Compare Florence, Colorado DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Florence, Colorado

Insurance Company Annual Car 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

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Cheapest Florence, CO Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Florence, CO by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Florence, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 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

The Best Cheap Car Insurance Companies in Florence, CO

Take a look at a side-by-side comparison of the top car insurance companies in Florence, CO to find the best option for your needs.

Average Annual Car 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

Category Winners: Cheapest Car Insurance in Florence, Colorado

Find the cheapest car insurance companies in Florence, CO for each category right here.

Best Annual Car 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

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Cheapest Florence, CO Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Florence car insurance rates. Find the cheapest Florence, CO car insurance rates by coverage level.

Annual Car 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

What affects car insurance rates in Florence, Colorado?

What factors can have an impact on Florence, CO car insurance? There are several reasons why Florence car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Florence, Colorado.

Commute Time in Florence

The more time you spend in your car the higher the risk of an accident. The average commute length in Florence, CO is 24.1 minutes according to City-Data.

Traffic in Florence

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Florence, CO traffic data from INRIX ranks Florence as the 87th-most congested in the world.

Compare Car Insurance Quotes in Florence, CO

Ready to find affordable Florence, Colorado car insurance today? Enter your ZIP code for fast, free Florence, CO car insurance quotes.

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