Best Car Insurance in Florence 2022

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Most states require drivers to carry minimum liability insurance to prove that they are financially responsible, but the minimums vary from state to state.
Not only does the required insurance differ based on your state, but your car insurance rates also can be dramatically different based on your zip code. When determining your premiums, car insurance providers assess the risk of insuring drivers in specific cities, considering things like population, accident rate, crime rate, and weather for each location.
This can make finding the best rates for car insurance a complicated process. That’s where Jerry comes in handy. Jerry is an insurance broker app that will provide you with quotes from over 50 top insurance providers in seconds.
All you have to do is find a policy that works for you, and Jerry will help you take care of the rest—including filing all the paperwork and helping to cancel your old policy.
Don’t believe us? Here are some real quotes from Jerry customers in Florence.
Quote DateCarZip CodeAgeInsurance Company
Before Jerry
After Jerry
January 3, 2021Cadillac CTS Luxury Collection4104236Nationwide$175/mo.$62/mo.
September 15, 2021Nissan Altima SE4104223Progressive$125/mo.$69/mo.
April 5, 2021Jeep Renegade Latitude4104228Progressive$280/mo.$81/mo.
September 24, 2021Ford Escape XLT4104222Progressive$138/mo.$95/mo.
August 21, 2021Lexus ES 3304104223Bristol West$240/mo.$118/mo.
Here’s more information about what impacts the insurance rates in your Florence.

How much does car insurance cost in Florence?

Car insurance in Florence, Kentucky costs single-car drivers an average of $4,543 annually, or about $379 per month. Compared to the state annual average of $2,960, auto insurance in Florence is $1,583 higher higher.
Florence may be one of the smaller cities in northern Kentucky, but its proximity to Cincinnati and I-75 means that it’s a popular stop for cross-country commuters. Because of this, cheap car insurance can be hard to find.
That said, Florence insurance rates are below average for Kentucky and quite a bit lower than the national average. But that doesn’t mean you still can’t shop around even more money by comparing quotes with Jerry!
Jerry can provide you with competitive quotes from over 50 providers in under a minute so you can find the best rate. Swapping is just as effortless. Jerry takes care of all the paperwork and phone calls and even can assist you in canceling your old policy!
Here’s a rundown of what you need to know about car insurance in Florence.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
Florence$3,461$2,091$3,045$1,680$3,827$3,422
National Average$3,223$2,143$3,086$1,764$3,423$2,486
FlorenceNational Average
All Coverage Before Jerry
$3,461$3,223
All Coverage After Jerry
$2,091$2,143
Minimum Coverage Before Jerry
$3,045$3,086
Minimum Coverage After Jerry
$1,680$1,764
Full Coverage Before Jerry
$3,827$3,423
Full Coverage After Jerry
$3,422$2,486
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Choosing a carrier in Florence

Not only do insurance rates vary based on zip code, but different providers can provide drastically different quotes for the same location.
Every insurance company uses its own calculation to determine the risk of insuring drivers in different cities. If you have recently moved, you may find that premiums with your current provider have changed dramatically in your new home.
In that case, it may be time to shop around for a new carrier. Jerry can help you find a carrier who meets your needs by doing the hard work of comparison shopping for you—giving you quotes from a number of top providers quickly.
Car insurance rates tend to be lower than the national average in Florence, but you can save money by comparing car insurance quotes.
Progressive insurance in Florence is a top provider. Other common carriers include State Farm and Allstate. Keep in mind, your rates are dependent on your demographics including driving history, discount eligibility, and age.
Here’s what drivers pay with some of the most popular insurance providers in Florence before and after switching with Jerry:
Insurance Company
Average Cost
Annual Savings with Jerry
Allstate$4,632$3,545Compare Prices
Progressive$2,327$944Compare Prices
Travelers$1,522$93Compare Prices
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What kind of car insurance you need in Florence

In Florence, drivers are required to carry the state’s mandated minimum liability insurance before they hit the road. This coverage helps to pay for other people’s expenses when you’re at fault in an accident, but it won’t cover you or your vehicle.
Drivers in Kentucky must carry the state-mandated minimum liability insurance to prove they are financially responsible. The following are the minimum coverages:
You’ll need to have proof of insurance before you register your car. You’re also required to have proof of insurance with you in case you’re involved in an accident or are stopped by law enforcement.
However, liability insurance coverage is just the minimum requirement, and it may not cover all your expenses in the event of an accident. While minimum liability insurance will be the cheapest policy, it’s generally suggested that drivers carry more than the baseline requirements and consider full-coverage insurance policies. Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run). Full-coverage car insurance policies generally include:
Florence’s car insurance premiums are below the state average, but it’s smart to purchase more than the minimum liability insurance. Liability coverage protects others if you’re in an at-fault accident, but it won’t cover you or your vehicle.
Here are some additional policies that would serve drivers in Florence well:
FactorRecommended coverageDescription
Lots of commutersCollision insuranceThough there aren’t too many drivers who live in Florence, the city sees a fair number of road trippers and truck drivers. With more cars on the road, there’s a greater likelihood that there will be accidents. Collision insurance will protect you in the event of a crash.
Tornadoes and severe thunderstormsComprehensive coverageAs a city in northern Kentucky, Florence can get some harsh midwest weather. Comprehensive coverage will protect you if your car is damaged due to extreme weather.
Property crimeSound system coverageThere has been a steep rise in car thefts in Florence in recent years. Sound system coverage will protect you if any aftermarket sound systems get stolen from your vehicle.
Uninsured driversUninsured/underinsured motorist coverageKentucky has more uninsured drivers than the national average. Uninsured motorist insurance will protect you if you are in a collision caused by an uninsured or under-insured driver.
Rural drivingRoadside assistanceKentucky’s terrain varies around the state, and roads are not always well kept. Roadside assistance will help you if you are stranded on treacherous roads.

What determines your car insurance cost in Florence

Your zip code, provider, and type of policy you choose are just a few of the factors that go into determining your car insurance premiums.
Providers will consider your specific demographics when setting your rates, so you may find that your rates are different from someone who lives next door.
Here are the factors that play a part in determining your car insurance premiums.

Your age

Young drivers are thought of as high-risk drivers by most insurance companies. This is, in part, due to their lack of experience behind the wheel and their generally higher accident rates. As such, young drivers will have higher premiums than their older counterparts. If you’re a driver under 25 in Florence, you could be paying as much as $99 more per month than an adult driver. These are average rates for Jerry customers in Florence broken down by age:
Age Group
Average Cost
Annual Savings with Jerry
18-20$3,512$1,449
21-24$3,314$1,532
25-34$4,636$1,411
35-44$1,999$592
45-54$7,296$5,358
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Your driving record

Your driving record will have a big impact on your car insurance premiums. While one minor infraction—like a speeding ticket—won’t have a major impact on your rates, multiple small offenses or one major offense—like a DUI—can greatly impact what you pay each month for car insurance.
Providers will consider people with a history of previous driving infractions to be high-risk drivers and charge them more for car insurance accordingly.
Fortunately, Jerry can help drivers with poor driving records find affordable car insurance with the right provider. Here’s how much Jerry customers in Florence with previous offenses saved on insurance:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$4,610$2,976
Leaving scene of an Accident/Hit and Run$4,608$3,084
Careless Driving$2,675$1,070
Speeding over 15$6,480$812
DUI$2,100$625
Speeding under 15$1,368$118
Other$6,480$812
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Where in Florence you live

It may seem like insurance rates in Florence should be consistent across the board, but the neighborhood in which you live can also make an impact on your car insurance premiums.
Because accident rates and property crime rates vary within a city, auto insurance rates could be higher for different zip codes—even if they are in the same municipal area. Within Florence, residents of -- will have the most expensive car insurance rates, while people who live in 41042 will pay the least.
Here’s a more specific breakdown of insurance prices for Jerry across Florence:
Quote DateZip codeCarStateAgeInsurance Company
Before Jerry
After Jerry
October 16, 202141042Subaru WRX LimitedKY34ClearCover$85/mo.$42/mo.
January 3, 202141042Cadillac CTS Luxury CollectionKY36Nationwide$175/mo.$62/mo.
October 5, 202141042Ford Fusion SportKY38Progressive$232/mo.$65/mo.
September 24, 202141042Ford Escape XLTKY22Progressive$138/mo.$95/mo.
August 21, 202141042Lexus ES 330KY23Bristol West$240/mo.$118/mo.
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Why is car insurance in Florence so expensive?

A variety of considerations determine baseline car insurance rates in Florence. Insurance companies often consider the following:
Florence, Kentucky’s car insurance rates are just a bit lower than the state average, but they still can be rather expensive. Here are some reasons why.

High accident rates

As a whole, Kentucky has a higher rate of driver fatalities than the national average. The city of Florence also ranks high for the number of car accidents in the state. Insurance companies will raise their premiums to account for this.

High crime rate

Northern Kentucky has had a steep increase in car thefts—and this includes the city of Florence. Providers will set higher rates to protect themselves in the event of car theft.

Number of uninsured drivers

15.6% of drivers in Kentucky are without insurance or sufficient insurance, so there is a likelihood that drivers in Florence could be in a crash with an uninsured motorist. Insurance companies will charge higher premiums to account for uninsured or underinsured drivers.

How can you save money on car insurance in Florence?

Compare quotes from different providers

One of the best ways to save money on car insurance is by shopping around for quotes. Of course, taking the time to research different companies and fill out all the paperwork.
Let Jerry do the hard work for you! After a quick sign-up, Jerry will source quotes from over 50 insurance providers in seconds. Once you choose a policy, Jerry will take care of all of the changeover—including helping to cancel your old policy.

Look for discounts

A great way to save money on car insurance is by shopping for discounts. Almost all providers offer discounts, and you may be able to combine offers to save even more money.
Here are some common discounts available with insurance carriers in Florence:
DiscountDescription
Multi-policyBundling insurance products (like home, renters, or auto) or putting multiple cars on the same policy with one provider could save you money.
Defensive DrivingMany insurance companies offer discounts if you complete an approved defensive driving course.
Paperless billingProviders often give discounts for switching to paperless billing and going green.
Accident-freeIf you haven’t been in an accident for three to five years, you’re likely eligible to save on your policy.
Safe drivingMany companies offer a telematics program that tracks your driving behavior and rewards you with discounts for safe habits.
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