Cheapest Car Insurance Quotes in Florence

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Florence Car Insurance

^$ 23

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Florence

The car insurance rate in Florence is $1101 for a six-month policy, which is $46 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $353, making it a popular choice for budget-conscious drivers. Rates in Florence can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Florence

$1101

Avg. Car Insurance in Colorado

$1147

National Average

$1140

Cheapest Car Insurance Companies in Florence

1st place: Colorado Farm Bureau

At $353 for a six month policy, Colorado Farm Bureau offers the cheapest auto insurance rates in the city.

2nd place: American National P&C

American National P&C offers auto insurance rates at $388 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $582 for six months, making it the third cheapest auto insurance company in Florence.

Florence Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Florence, CO is Colorado Farm Bureau, offering policies at just $353 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $388.

At the higher end of the spectrum, California Casualty is the most expensive, with rates reaching $1414 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Florence drivers find the best deals.

Cheap Car Insurance Companies in Florence, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$353	$60
American National P&C	$388	$64
Auto-Owners Insurance Co	$582	$99
Acuity	$633	$106
Colorado Farm Bureau Mutual	$741	$126
American Family	$929	$156
American National	$958	$163
Auto-Owners	$1032	$172
USAA	$1061	$179
State Farm	$1112	$187
Progressive	$1175	$198
Allstate	$1643	$276
Farm Bureau	$1643	$279
Nationwide	$1916	$320
Farmers	$2052	$346
California Casualty	$1414	$236

Key Takeaways

Way's key takeaways about car insurance in Florence

The auto insurance costs in Florence fall around $353 for six months.
The cheapest auto insurance company in Florence is Colorado Farm Bureau.
Teen drivers pay the highest rate in Florence at $1298 per month.

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Cheapest Minimum Liability Car Insurance in Florence

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Florence are given below.

Colorado Farm Bureau provides the cheapest minimum car insurance coverage in Florence. Their Average 6 Month Premium is $137. California Casualty is the most expensive at $200 for the same period.

Cheapest Liability Coverage in Florence, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$137	$23
American National P&C	$148	$25
American National	$177	$30
Colorado Farm Bureau Mutual	$205	$35
USAA	$234	$39
Auto-Owners Insurance Co	$268	$45
Farm Bureau	$274	$46
Progressive	$285	$48
Acuity	$291	$49
State Farm	$320	$54
American Family	$325	$55
Auto-Owners	$382	$65
Allstate	$627	$106
Nationwide	$633	$108
Farmers	$638	$108
California Casualty	$200	$34

Cheapest Full Coverage Car Insurance in Florence

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Florence is Colorado Farm Bureau at $60 per month and $353 for six months.

Cheapest Full Coverage Car Insurance Quotes in Florence, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$353	$60
American National P&C	$388	$64
Auto-Owners Insurance Co	$582	$99
Acuity	$633	$106
Colorado Farm Bureau Mutual	$741	$126
American Family	$929	$156
American National	$958	$163
Auto-Owners	$1032	$172
USAA	$1061	$179
State Farm	$1112	$187
Progressive	$1175	$198
Allstate	$1643	$276
Farm Bureau	$1643	$279
Nationwide	$1916	$320
Farmers	$2052	$346
California Casualty	$1414	$236

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Average Car Insurance in Florence by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Florence, CO increasing?

Despite maintaining a clean driving record, your car insurance rates in Florence, Colorado, may be increasing due to several external factors. Colorado has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Florence's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Florence

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	USAA	$818
30s	USAA	$600
40s	USAA	$517
50s	USAA	$523
60s	USAA	$533
70s	USAA	$624

Cheapest Car Insurance Rates for Teen Drivers in Florence,CO

If you are planning to get a car insurance policy for your teenage dependent, American National provides the cheapest car insurance in the Florence at $24 per month. At $7710 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$143	$24
American National P&C	$177	$30
California Casualty	$200	$34
Colorado Farm Bureau	$251	$42
Auto-Owners Insurance Co	$365	$60
Colorado Farm Bureau Mutual	$1306	$222
USAA	$1540	$259
American Family	$1910	$322
State Farm	$2515	$423
Progressive	$3125	$526
Auto-Owners	$3375	$563
Allstate	$3421	$576
Nationwide	$6147	$1024
Farmers	$7710	$1298

Teen Car Insurance Rates in CO by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Florence.

As young drivers face the highest rates in Florence, USAA offers the cheapest auto insurance rates at $818 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Florence, Colorado Farm Bureau is the cheapest car insurance provider. At $268 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Florence is State Farm, offering rates of around $3695 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$268	$45
Acuity	$411	$68
American Family	$1220	$205
Progressive	$1260	$212
USAA	$1767	$300
Farmers	$2241	$377
Allstate	$2868	$488
Nationwide	$2914	$486
Auto-Owners	$3125	$531
State Farm	$3695	$616

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Car Insurance Rates with An Accident in Florence

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Florence, CO, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Florence

The cheapest car insurance companies after an at-fault accident in Florence include Colorado Farm Bureau and American National, offering $171 and $200, respectively. Nationwide is an expensive provider with an average six-month premium of $3342.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$171	$29
American National	$200	$34
American National P&C	$211	$36
Farm Bureau	$268	$45
California Casualty	$388	$64
State Farm	$873	$147
Colorado Farm Bureau Mutual	$896	$149
USAA	$896	$151
American Family	$1123	$189
Progressive	$1569	$264
Auto-Owners	$1716	$286
Allstate	$2372	$399
Farmers	$2822	$475
Nationwide	$3342	$568

Florence Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Florence CO. For example, the car insurance in Florence after a DUI increases to $1015 for a six month policy. While the rate increases by $297 for a six-month policy in the case of a speeding ticket.

Florence auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1272	$212
One Med/PIP claim	$1278	$217
Not-at-fault accident	$1300	$217
One comp claim	$1306	$222
Two Med/PIP claims	$1306	$218
Two comp claims	$1357	$230
Failure to wear a seat belt	$1420	$237
Failure to show documents	$1431	$244
Child safety restraint	$1449	$241
Driving without lights	$1449	$247
Driving with expired registration	$1505	$251
Texting while driving	$1523	$259
At-fault accident - less than $1000	$1534	$255
Cell phone violation	$1540	$262
Failure to yield	$1540	$256
Following too closely	$1540	$262
Illegal turn	$1540	$256
Failure to stop at a red light	$1546	$263
Driving too slowly	$1551	$258
Improper passing	$1557	$265
Wrong way/wrong lane	$1563	$260
Speeding 6 - 10 MPH over limit	$1569	$267
Speeding 11 - 15 MPH over limit	$1573	$262
Speeding 16 - 20 MPH over limit	$1573	$268
Speeding in school zone	$1579	$263
Passing school bus	$1608	$274
In 65 MPH zone	$1711	$285
Operating a vehicle without permission	$1716	$292
Speeding 21 - 25 MPH over limit	$1740	$290
Open container	$1785	$303
At-fault accident - $1000-$2000	$1876	$313
At-fault accident - greater than $2000	$1916	$325
Driving with a suspended license	$2007	$334
Reckless driving	$2213	$376
Refusal to submit to a chemical test	$2235	$372
Racing	$2258	$384
DUI	$2287	$381
Leaving scene of an accident/hit and run	$2372	$403

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Florence after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Florence.

The cheapest car insurance premiums in Florence are offered by Colorado Farm Bureau at $200 for a six-month policy. However, it can be as expensive as $4500 with companies like Nationwide.

Florence car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$200	$34
American National	$211	$36
American National P&C	$239	$40
Farm Bureau	$314	$54
Colorado Farm Bureau Mutual	$912	$152
Progressive	$970	$163
State Farm	$987	$166
American Family	$1209	$204
USAA	$1284	$216
Farmers	$1757	$296
Allstate	$2047	$345
Auto-Owners	$2133	$363
Nationwide	$4500	$750

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Florence are offered by American National P&C at $177. However, it can be as expensive as $3296 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Florence after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$177	$30
Colorado Farm Bureau	$182	$31
Auto-Owners Insurance Co	$291	$50
State Farm	$650	$109
American Family	$844	$142
Auto-Owners	$1072	$179
USAA	$1090	$185
Progressive	$1117	$188
Allstate	$1882	$320
Nationwide	$2760	$460
Farmers	$3296	$561

Car Insurance Price Trends in Florence, Colorado

Car insurance rates in Florence have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Florence rose by $226 in December compared to $221 of November. In other words, there has been an increase by $5 when you compare December and November.

The average cost of liability insurance in the Florence rose to $56 in December, compared to $50 in November. This represents an increase of $6 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Florence?

The car insurance in Florence is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Florence?

The cheapest car insurance in Florence is $60 per month for full coverage.

How much is car insurance in Florence for teenagers?

Car insurance for teenagers costs $143 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Florence?

The average cost of car insurance is $1147 for a six-month policy. It will cost around $185 per month to insure your car in Florence.

Is car insurance expensive in Florence?

Car insurance can be expensive in Florence if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Florence can be affordable.

What is the best car insurance in Florence, CO?

The best car insurance company in Florence CO is Colorado Farm Bureau, offering $353 for a six-month policy.