Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Aug 2, 2021

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Just What's Essential

  • The cheapest car insurance company in Florence for teen drivers is USAA
  • The cheapest car insurance company in Florence after a DUI is USAA
  • Average car insurance rates in Florence, AL for senior drivers are $1,797/year

Average car insurance rates in Florence, Alabama are $284 a month. But with a little research you can get a great deal from the top car insurance companies in Florence, AL. Before you buy Florence, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

It may even be helpful to compare Florence car insurance rates with Mobile car insurance rates, Dothan car insurance rates, or Hoover car insurance rates to make sure you’re getting the best Florence, AL car insurance quotes available.

Need affordable Florence, AL car insurance? Enter your ZIP code to compare Florence car insurance quotes from multiple car insurance companies near you.

Florence, AL Minimum Car Insurance Coverage

Florence, Alabama law requires drivers carry a minimum of 25/50/25 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Florence, Alabama

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

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Florence, AL Car Insurance Rates by Coverage Level

Some Florence drivers can get by with the Alabama minimum coverage of 25/50/25. Other drivers may need more. See how much your Florence, Alabama car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Florence, Alabama

Insurance Company Low Medium High
Allstate $3,044 $3,159 $3,293
Farmers $3,696 $3,876 $4,227
GEICO $2,419 $2,624 $2,868
Liberty Mutual $4,609 $4,814 $5,090
Nationwide $2,449 $2,456 $2,521
Progressive $3,496 $3,923 $4,414
State Farm $3,960 $4,203 $4,463
Travelers $3,227 $3,483 $3,535
USAA $1,943 $2,004 $2,096

Florence, AL Car Insurance Rates by Age, Gender, and Marital Status

Florence, Alabama car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Florence, AL car insurance, get quotes from multiple car insurance companies in the Florence area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Florence, Alabama

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 $1,910 $1,821 $1,735 $1,768 $6,648 $7,148 $2,126 $2,168
Farmers $2,232 $2,218 $1,993 $2,122 $8,746 $9,005 $2,529 $2,620
GEICO $1,887 $1,878 $1,810 $1,872 $4,963 $4,863 $1,985 $1,837
Liberty Mutual $2,810 $3,034 $2,308 $2,580 $10,328 $11,482 $2,986 $3,174
Nationwide $1,627 $1,645 $1,486 $1,536 $4,243 $5,451 $1,802 $2,010
Progressive $2,115 $1,972 $1,736 $1,859 $8,883 $9,903 $2,466 $2,620
State Farm $2,551 $2,551 $2,321 $2,321 $7,869 $9,848 $2,885 $3,324
Travelers $1,372 $1,391 $1,295 $1,289 $7,454 $11,751 $1,299 $1,471
USAA $1,251 $1,265 $1,168 $1,137 $3,761 $4,161 $1,626 $1,747

Florence, AL Car Insurance Rates for Teens

How much is Florence, Alabama car insurance for teens? Compare rates from top Florence car insurance companies below to help find the cheapest teen car insurance in Florence, AL.

Annual Car Insurance Rates for Teen Drivers in Florence, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,648 $7,148
Farmers $8,746 $9,005
GEICO $4,963 $4,863
Liberty Mutual $10,328 $11,482
Nationwide $4,243 $5,451
Progressive $8,883 $9,903
State Farm $7,869 $9,848
Travelers $7,454 $11,751
USAA $3,761 $4,161

Florence, AL Car Insurance Rates for Seniors

Before seniors buy Florence, Alabama car insurance, they should make sure to shop around. Some Florence, AL car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Florence, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,735 $1,768
Farmers $1,993 $2,122
GEICO $1,810 $1,872
Liberty Mutual $2,308 $2,580
Nationwide $1,486 $1,536
Progressive $1,736 $1,859
State Farm $2,321 $2,321
Travelers $1,295 $1,289
USAA $1,168 $1,137

Florence, AL Car Insurance Rates by Credit History

How does your credit history affect Florence, AL car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Florence, Alabama

Insurance Company Poor Fair Good
Allstate $3,911 $3,073 $2,512
Farmers $4,407 $3,796 $3,597
GEICO $3,353 $2,393 $2,165
Liberty Mutual $6,916 $4,255 $3,342
Nationwide $2,982 $2,332 $2,112
Progressive $4,437 $3,822 $3,575
State Farm $6,821 $3,456 $2,350
Travelers $3,722 $3,231 $3,293
USAA $2,706 $1,763 $1,575

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Florence, AL Car Insurance Rates by Driver History

How does a single speeding ticket affect your Florence, Alabama car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Florence.

Annual Florence, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,693 $3,172 $3,757 $3,040
Farmers $3,310 $4,285 $4,181 $3,956
GEICO $1,776 $2,863 $3,548 $2,362
Liberty Mutual $3,795 $5,285 $5,161 $5,109
Nationwide $2,171 $2,171 $3,141 $2,418
Progressive $3,551 $4,485 $3,846 $3,895
State Farm $3,788 $4,723 $4,162 $4,162
Travelers $2,844 $2,984 $4,372 $3,461
USAA $1,550 $1,949 $2,883 $1,676

Florence, AL Car Insurance Rates With a DUI

Even a single DUI can increase your Florence, AL car insurance rates. Compare rates below to see which Florence car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Florence, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,757
Farmers $4,181
GEICO $3,548
Liberty Mutual $5,161
Nationwide $3,141
Progressive $3,846
State Farm $4,162
Travelers $4,372
USAA $2,883

Florence, AL Car Insurance Rates by ZIP Code

Just like Florence car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Florence, AL car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Florence, Alabama

ZIP Code Average Annual Rates
35630 $3,495
35632 $3,504
35633 $3,519
35634 $3,507

Florence, AL Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Florence, AL car insurance rates may be. Let’s take a look at average car insurance rates from top Florence companies based on commute time.

Annual Car Insurance Rates by Commute Length in Florence, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,165 $3,165
Farmers $3,933 $3,933
GEICO $2,591 $2,683
Liberty Mutual $4,838 $4,838
Nationwide $2,475 $2,475
Progressive $3,944 $3,944
State Farm $4,106 $4,312
Travelers $3,415 $3,415
USAA $1,923 $2,107

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Florence, AL Cheapest Car Insurance Rates

How do the top Florence, Alabama car insurance companies’ average rates stack up against the Florence average monthly car insurance rates of $284? Take a look and see.

Best Annual Car Insurance Rates by Company in Florence, Alabama

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

Florence, AL Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Florence, Alabama car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Florence, Alabama

Insurance Company Average Annual Rates
Allstate $3,165
Farmers $3,933
GEICO $2,637
Liberty Mutual $4,838
Nationwide $2,475
Progressive $3,944
State Farm $4,209
Travelers $3,415
USAA $2,015

Other Factors Affecting Florence, AL Car Insurance Rates

Before you buy Florence, Alabama car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Florence, AL Car Theft Rates

The car theft rate in Florence, AL will affect your car insurance rates. FBI data shows that the annual car theft rate for Florence, Alabama is 166 stolen cars.

Florence, AL Commute Time

How does your Florence, AL commute time compare with the average driver? In Florence, the average commute is 18.9 minutes.

Florence, AL Traffic

Spending time in Florence traffic can lead to higher car insurance rates. According to INRIX data, Florence, AL ranks as the 87th-most congested with traffic in the world.

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Florence, AL Car Insurance Quotes

Compare Florence, AL car insurance quotes from multiple companies by entering your ZIP code now.