For a 40-year-old driver with a clean record, car insurance in Florence, SC, averages about $199 a month ($2,382 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That puts it 5% over South Carolina’s average of $189 a month. Progressive and GEICO are effectively tied for the lowest full-coverage average among the five major insurers we compared (Allstate, GEICO, Progressive, State Farm and Travelers), at about $172 and $174 a month.
Florence car insurance costs run a little above the South Carolina average: our benchmark driver pays about $10 a month more here than the state average, and Florence ranks 40th of the 152 South Carolina cities and towns in our city table, from most to least expensive.
Our data covers three Florence ZIP codes, from about $195 a month in 29501 to $202 in 29506. Comparing car insurance companies in Florence, SC, matters more than the ZIP code: the five major insurers we compared run from about $172 to $251 a month here.
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.
In rates filed as of Aug. 31, 2026, car insurance for a 40-year-old driver with a clean record in Florence, SC, costs about $199 a month ($2,382 a year) for full coverage and $77 a month for liability-only coverage at South Carolina’s 25/50/25 minimum. The South Carolina average is $189 a month, which makes this 5% higher.
Progressive and GEICO are effectively tied for the lowest full-coverage average among the five insurers in our Florence rate data. The seven published 2026 statewide South Carolina rate studies we reviewed disagree on the cheapest insurer for full coverage, apart from USAA, which sells only to military families: three put American National first, two Auto-Owners and two put other insurers first. For liability-only coverage at 25/50/25 limits, GEICO and Progressive are effectively tied for the lowest average among these five insurers, at about $60 and $61 a month.
Full-coverage averages by insurer in Florence
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’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): |
|---|---|---|---|---|
| Progressive | $734 | $61 | $2,058 | $172 |
| GEICO | $719 | $60 | $2,083 | $174 |
| Travelers | $975 | $81 | $2,243 | $187 |
| State Farm | $1,123 | $94 | $2,510 | $209 |
| Allstate | $1,059 | $88 | $3,014 | $251 |
| American National* | $451 | $38 | $1,060 | $88 |
| USAA (military families)* | $483 | $40 | $1,524 | $127 |
| Auto-Owners* | $696 | $58 | $1,643 | $137 |
| South Carolina Farm Bureau* | $700 | $58 | $1,768 | $147 |
| Florence average | $922 | $77 | $2,382 | $199 |
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 auto insurance quotes before you buy.
Across the three Florence ZIP codes we price, full coverage for our driver ranges from about $195 a month in 29501 to $202 in 29506, a gap of $81 a year.
Lowest-priced Florence ZIP code
Highest-priced Florence ZIP code
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: |
|---|---|---|---|---|---|
| 29501 | $908 | $76 | $2,340 | $195 | -2% |
| 29505 | $927 | $77 | $2,384 | $199 | About average |
| 29506 | $931 | $78 | $2,421 | $202 | +2% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $213 a year on average in our Florence data, with the same $500 deductibles. That’s about $18 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.
Not for our benchmark driver. Comparing the same insurers in the same Florence ZIP codes, full coverage averaged $2,477 a year nine months earlier and $2,382 in rates as of Aug. 31, 2026, a 3.8% drop. State Farm cut its Florence average 16.0%, while Allstate’s, GEICO’s, Progressive’s and Travelers’ averages were unchanged. Liability-only coverage at 25/50/25 limits fell 2.4%, led by State Farm, which cut its liability-only average 9.4%.
Florence County averages $2,401 a year for full coverage in our data, a little above the state average. Nearby Darlington averages about $191 a month, Hartsville $192 and Timmonsville $202.
Travelers averages about $187 a month here, its highest of the 11 South Carolina cities we publish a guide for, so it trails Progressive and GEICO, which are effectively tied at about $172 and $174. Prices differ from one part of South Carolina to another because insurers price by rating territories, which the state Department of Insurance approves.
More South Carolina cities and towns are in the South Carolina rates by city table, and you can compare states on our car insurance rates by state page.
Sumter, about 38 miles southwest, averages $198 a month, and Myrtle Beach, about 61 miles southeast, $181. Columbia, about 74 miles west, averages $196. In the Lowcountry, full coverage in Charleston averages $208; see our guide to car insurance quotes in Charleston, SC. For the statewide picture, see our guide to South Carolina car insurance rates.
Drivers in Florence follow South Carolina’s rules. Every policy must include at least:
Insurers must also offer underinsured motorist coverage, which is optional, according to the South Carolina Department of Insurance. South Carolina is an at-fault state and doesn’t require personal injury protection. Our South Carolina requirements guide covers the details and the penalties for driving uninsured.
Ready to compare
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.
Coverage requirements come from South Carolina law and the South Carolina Department of Insurance. We refresh these figures when new rate data is released.
Car insurance in Florence, SC, costs about $199 a month ($2,382 a year) for full coverage and $77 a month for liability-only coverage at South Carolina’s 25/50/25 minimum, for a 40-year-old driver with a clean record, in rates filed as of Aug. 31, 2026. That’s 5% above the South Carolina average of $189 a month.
Progressive and GEICO are effectively tied for the lowest full-coverage average among the five major insurers we compared in Florence, at about $172 and $174 a month. Travelers’ average is next, at $187. American National*, which we price from published rate studies, comes in lower, at about $88 a month. For liability-only coverage, GEICO and Progressive are effectively tied for the lowest average among the five major insurers we compared. Rates vary by driver, so compare quotes for your own car and ZIP code.
No, for our benchmark driver. Florence full coverage averages about $199 a month and Myrtle Beach about $181, a difference of about $18 a month for the same driver and car.
In our data, 29501 has the lowest full-coverage average in Florence, at about $195 a month, and 29506 the highest, at about $202. The ZIP code table on this page lists all three.
In our Florence data, full coverage (100/300/100 with $500 deductibles) averages about $199 a month and liability-only coverage at 25/50/25 limits about $77, a difference of about $122 a month ($1,460 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. South Carolina law doesn’t require full coverage, but a lender or leasing company may.
Drivers in Florence must carry South Carolina’s minimums: $25,000 per person and $50,000 per crash in bodily injury liability, $25,000 in property damage liability (25/50/25) and uninsured motorist coverage at the same limits. Insurers must also offer underinsured motorist coverage, which is optional, and South Carolina doesn’t require personal injury protection.
Not for our benchmark driver. Comparing the same insurers and ZIP codes, Florence full coverage fell 3.8% over the past nine months, from about $2,477 to $2,382 a year. State Farm cut its Florence average 16.0%, and the other four insurers’ averages were unchanged. Liability-only coverage at 25/50/25 limits fell 2.4%.
For our benchmark driver, full coverage in Florence averages about $199 a month. Nearby, Sumter averages about $198, Myrtle Beach about $181 and Columbia about $196. Sumter, Myrtle Beach and Columbia are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
