For a 40-year-old driver with a clean record, Florence car insurance averages about $158 a month ($1,897 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 8% below the Alabama average of $171 a month. Travelers has the lowest full-coverage average in our Florence table, at about $110 a month.
Florence is one of the less expensive Alabama cities in our data: about $13 a month less than the Alabama average and about $27 a month less than Birmingham.
Our data covers three ZIP codes with a Florence mailing address, priced within a few dollars of each other.
Cost data comes from the auto rates insurers file with state regulators, priced across all three Florence ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
How Much Is Car Insurance in Florence, AL?
Full coverage in Florence averages $1,897 a year, or about $158 a month, for our benchmark driver. Liability-only coverage at Alabama’s 25/50/25 minimum averages $615 a year ($51 a month), and 50/100/50 liability with comprehensive and collision averages $1,813 ($151 a month).
- Full coverage (100/300/100, $500 deductibles): $1,897 a year ($158 a month)
- 50/100/50 with $500 deductibles: $1,813 a year ($151 a month)
- Liability only (25/50/25): $615 a year ($51 a month)
- Lauderdale County: $1,923 a year ($160 a month) for full coverage
- Alabama average: $2,047 a year ($171 a month) for full coverage
- ZIP code range: $157 (35630) to $159 (35633 and 35634) a month for full coverage
Cheap Car Insurance in Florence: Companies Compared
- Lowest full-coverage average: Travelers, at about $110 a month ($1,319 a year).
- Next lowest: GEICO, at about $127 a month, then Progressive at $141.
- Military families: USAA averages about $147 a month, but only for eligible members.
- Liability only (25/50/25): about $33 to $87 a month across the three insurers anyone can buy from.
- State Farm (Nov. 2025 rates)*: about $151 a month for full coverage, from its November 2025 rates.
- Also on our list: Country Financial at about $141 a month, Nationwide at $143, Auto-Owners at $162 and Farmers at $220.
- Most expensive in our table: Farmers, at about $220 a month, $1,317 a year more than Travelers.
The recent statewide Alabama rate studies we reviewed most often rank Travelers cheapest for full coverage: four of the six, all four published in 2026, put it first, apart from USAA, which sells only to military families. For liability-only coverage at 25/50/25 limits, averages run from about $33 to $87 a month; the lowest is far enough below the rest that we don’t name a cheapest insurer for that coverage level.
Full-coverage averages by insurer in Florence
Monthly, for the same driver and car. The State Farm row in the table isn’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 25/50/25 (Yearly): | Minimum Liability 25/50/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| GEICO | $627 | $52 | $1,527 | $127 |
| Progressive | $394 | $33 | $1,687 | $141 |
| USAA (military families) | $399 | $33 | $1,759 | $147 |
| Allstate | $1,038 | $87 | $2,614 | $218 |
| State Farm (Nov. 2025 rates)* | $529 | $44 | $1,808 | $151 |
| Travelers* | $551 | $46 | $1,319 | $110 |
| Country Financial* | $464 | $39 | $1,695 | $141 |
| Nationwide* | $767 | $64 | $1,711 | $143 |
| Auto-Owners* | $666 | $56 | $1,942 | $162 |
| Farmers* | $1,024 | $85 | $2,636 | $220 |
| Florence average | $615 | $51 | $1,897 | $158 |
This table uses Florence ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare free car insurance quotes before you buy.
Florence Car Insurance Rates by ZIP Code
Across the three Florence ZIP codes we price, full coverage for our driver ranges from about $157 a month in 35630 to $159 in 35633 and 35634, a gap of $23 a year. 35630, 35633 and 35634 are priced within a few dollars a month of each other in our data.
Lowest-priced Florence ZIP code
Highest-priced Florence ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Florence’s average.
| ZIP Code: | Minimum Liability 25/50/25 (Yearly): | Minimum Liability 25/50/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 35630 | $617 | $51 | $1,883 | $157 | -1% |
| 35633 | $615 | $51 | $1,902 | $159 | +1% |
| 35634 | $612 | $51 | $1,906 | $159 | +1% |
Your ZIP code matters
How Much More Does Better Coverage Cost in Florence?
Raising liability limits from 50/100/50 to 100/300/100 adds about $84 a year on average in our Florence data, with the same $500 deductibles. That’s about $7 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
Is Car Insurance Going Up in Florence?
Yes, for our benchmark driver. Comparing the same insurers in the same Florence ZIP codes, full coverage averaged $1,716 a year nine months earlier and $1,897 in rates as of Aug. 31, 2026, a 10.5% increase. Progressive’s Florence average fell 5.4%, but Allstate’s rose 36.6%, GEICO’s 4.9% and USAA’s 2.7%. State Farm’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 25/50/25 limits rose 5.9%, led by Allstate, which raised its liability-only average 25.5%.
What Shapes Car Insurance Costs in Florence
Lauderdale County averages about $160 a month for full coverage, one of the less expensive of the 60 Alabama counties we price.
Across the Tennessee River in Colbert County, Muscle Shoals averages about $158 a month and Sheffield $157. Alabama insurers price by location as well as by driver and car, so your ZIP code can move your price.
How Florence Car Insurance Compares With Other Alabama Cities
More Alabama cities and towns are in the Alabama rates by city table, and you can compare states on our car insurance rates by state page.
Decatur, about 40 miles southeast, averages $157 a month, and Huntsville, about 62 miles east, $161.
What Car Insurance Is Required in Florence?
Drivers in Florence follow Alabama’s rules. Every vehicle registered in Alabama must be covered by at least:
- Bodily injury liability of $25,000 per person and $50,000 per crash
- Property damage liability of $25,000 per crash
Our Alabama requirements guide covers the details and how the state checks your coverage.
How to Lower Your Car Insurance Rate in Florence
- Compare Travelers and GEICO first. They have the two lowest full-coverage averages in our Florence table, about $110 and $127 a month.
- Quote several insurers. In our Florence table, the lowest and highest averages among insurers anyone can buy from are about $110 a month apart for the same driver and car.
- Answer any insurance verification notice. Alabama checks coverage electronically, and you have 30 days to respond to a notice before your registration can be suspended, according to the Department of Revenue.
- Compare at every renewal. Over the past nine months, Progressive has cut its Florence average 5.4%, while Allstate has raised its average 36.6%, GEICO 4.9% and USAA 2.7%, so the order in our table can shift.
- Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which car insurance discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how your deductible works.
- Price a bundle. Pairing your auto policy with a home or renters policy usually earns a multi-policy discount. See home insurance costs in Alabama, then compare free home insurance quotes.
Ready to compare
How We Calculated Florence Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
- Sample: 12 full-coverage premiums from four insurers across three Florence ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
- Insurer count: our Alabama averages come from four insurers, one of them USAA, which sells only to military families. With few insurers, the averages can move more when one insurer changes its prices. We publish them as calculated, without adjustment.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at Alabama’s 25/50/25 minimum, with 25/50 uninsured and underinsured motorist coverage and no comprehensive or collision.
- Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price, including USAA. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. USAA sells only to the military community, so it’s shown but not ranked. Annual prices within 3% of each other are called effectively tied. An insurer marked * is named cheapest only when it’s priced below every major insurer we compared and at least half of the statewide rate studies we cite rank it cheapest.
- Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. State Farm’s row uses its November 2025 rates, so it’s left out of rate-change comparisons; the other four insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Insurers marked *: priced from recent published Alabama rate studies, scaled to our benchmark driver. They aren’t included in our averages. The State Farm row shows its November 2025 rates, so it isn’t included in our averages or rankings.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from Alabama law and the Alabama Department of Insurance. We refresh these figures when new rate data is released.
Florence Car Insurance FAQ
For our benchmark driver, full coverage in Florence averages about $158 a month ($1,897 a year) and liability-only coverage about $51 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 8% below the Alabama average of $171 a month.
Travelers has the lowest full-coverage average in our Florence table, at about $110 a month, followed by GEICO at $127. For liability-only coverage, averages run from about $33 to $87 a month. Four of the six recent statewide Alabama rate studies we reviewed, all four published in 2026, rank Travelers cheapest for full coverage, apart from USAA. Rates vary by driver, so compare quotes for your own car and ZIP code.
They’re about the same for our benchmark driver: Florence full coverage averages about $158 a month and Huntsville about $161.
In our data, 35630 has the lowest full-coverage average in Florence, at about $157 a month, and 35633 and 35634 the highest, at about $159. The ZIP code table on this page lists all three.
In our Florence data, full coverage (100/300/100 with $500 deductibles) averages about $158 a month and liability-only coverage at 25/50/25 limits about $51, a difference of about $107 a month ($1,282 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Alabama law doesn’t require full coverage, but a lender or leasing company may.
Yes, for our benchmark driver. Comparing the same insurers and ZIP codes, Florence full coverage rose 10.5% over the past nine months, from about $1,716 to $1,897 a year. Progressive cut its Florence average 5.4%, while Allstate raised its average 36.6%, GEICO 4.9% and USAA 2.7%. Liability-only coverage at 25/50/25 limits rose 5.9%.
For our benchmark driver, full coverage in Florence averages about $158 a month. Nearby, Decatur averages about $157, Huntsville about $161 and Birmingham about $185. Decatur is cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
