Compare Florence, KY Car Insurance Rates (2021)

Car insurance in Florence, KY averages $311 a month. Florence, Kentucky car insurance requirements are 25/50/25, 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, KY.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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 ZIP code in Florence is 41042
  • The cheapest car insurance company in Florence is USAA
  • Average car insurance rates in Florence, KY are $3,736/year

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

You’ll find Florence car insurance rates, the cheapest Florence, KY car insurance companies, and information on Kentucky car insurance laws. You can also compare Florence, Kentucky car insurance rates to Covington car insurance rates, Nicholasville car insurance rates, and Florence car insurance rates.

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

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

How do age, gender, and marital status affect Florence, KY car insurance rates? Every Florence, Kentucky 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, 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

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Minimum Car Insurance in Florence, KY

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

Minimum Required Car 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

Cheapest Florence, KY Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Florence, KY. 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, 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

Cheapest Florence, KY 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, KY to rates for a clean record with top companies.

Annual Florence, Kentucky Car 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

Cheapest Florence, KY Car Insurance for Teen Drivers

Teen car insurance in Florence, KY 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, 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

Cheapest Florence, KY Car Insurance for Seniors

Take a look at Florence, KY 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, 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

Cheapest Florence, KY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Florence, Kentucky

Insurance Company Annual Car 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

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Cheapest Florence, KY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Florence, Kentucky

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

Cheapest Florence, KY Car Insurance Rates by ZIP Code

Florence car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Florence, KY.

Annual Car Insurance Rates by ZIP Code in Florence, Kentucky

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

The Best Cheap Car Insurance Companies in Florence, KY

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

Average Annual Car 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

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Category Winners: Cheapest Car Insurance in Florence, Kentucky

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

Best Annual Car 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

Cheapest Florence, KY 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, KY car insurance rates by coverage level.

Annual Car 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

What affects car insurance rates in Florence, Kentucky?

What factors can have an impact on Florence, KY 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, Kentucky.

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, KY is 22.3 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, KY traffic data from INRIX ranks Florence as the 87th-most congested in the world.

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Compare Car Insurance Quotes in Florence, KY

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

Free Car Insurance Comparison

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

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