How Does Florence Compare to Nearby Cities?
| City | Annual Avg | vs Florence |
|---|---|---|
| **Florence SC** | $1,776 | — |
| Myrtle Beach | $2,040 | 15% more expensive |
| Sumter | $1,740 | 2% cheaper |
| Columbia SC | $1,944 | 9% more expensive |
| Fayetteville NC | $1,896 | 7% more expensive |
Minimum Car Insurance Requirements in Florence
Most Florence drivers benefit from carrying coverage above the minimum. Recommended: 100/300/100 liability + UM/UIM for comprehensive protection on local roads.
Car Insurance in Florence, SC — 2026 Market Overview
South Carolina requires 25/50/25 minimum liability. Florence's I-95/I-20 intersection in the Pee Dee Region creates above-average long-haul commercial vehicle interaction — carriers specifically price this into Florence County base rates. Despite the highway exposure, Florence maintains moderate risk classification due to its mid-size market characteristics and lower local traffic density than Charleston or Columbia. State Farm leads for Florence standard profiles. Progressive is competitive for drivers with prior incidents. Bundling home and auto with a single carrier saves Florence drivers 10–16% on annual premiums. Annual comparison shopping identifies carrier rate divergences that exceed $300/year for identical Florence profiles. Telematics programs reward consistent I-95 corridor speeds with meaningful discounts.