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Car Insurance Quotes in Florence, KY

Full coverage / year
$2,188
State minimum / year
$729
Typical quote range
$1,554 – $3,020

Full coverage car insurance in Florence, KY runs an estimated $2,188 per year — roughly $182 monthly. Premiums here land roughly 6% under the Kentucky average thanks to lighter traffic and below-average claim frequency. Your own number moves a long way from the average once age, driving record and ZIP code are applied — the calculator below applies all three.

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Car insurance calculator — Florence, KY

Estimated from state average premiums and your rating factors. Not a quote.

Your estimated premium
$182/ month
$2,188 per year · carriers in Florence, KY typically quote $1,554 – $3,020
See real quotes for my ZIP →

We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.

Cheapest car insurance companies in Florence, KY

InsurerEst. annualEst. monthlyvs. averageNotes
USAA$1,663$139-24%Military members and families only
Geico$1,794$150-18%Usually cheapest for clean records
State Farm$1,925$160-12%Strong for young and student drivers
Progressive$2,079$173-5%Competitive after a ticket or accident
Travelers$2,122$177-3%Good multi-policy discounts
Nationwide$2,188$1820%Mid-market, wide availability
Allstate$2,494$208+14%Higher base rate, heavy discount stacking
Farmers$2,647$221+21%Agent-led, priced above market

Modelled estimates for a 35-year-old with a clean record and full coverage in Florence, KY. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.

Car insurance rates by age in Florence

Driver ageFull coverage / yrMinimum / yrFull coverage / mo
16 years old$5,911$1,970$493
18 years old$4,986$1,662$415
20 years old$4,128$1,376$344
22 years old$3,429$1,143$286
25 years old$2,617$872$218
30 years old$2,256$752$188
40 years old$2,121$707$177
50 years old$2,030$677$169
60 years old$2,008$669$167
65 years old$2,098$699$175
70 years old$2,301$767$192
75 years old$2,685$895$224

Estimated premiums by age in Florence, KY, clean record, sedan.

What a ticket, accident or DUI costs in Florence

Driving recordEst. annualIncrease
Clean record$2,188—
1 speeding ticket$2,692+23%
1 at-fault accident$3,217+47%
DUI / DWI$4,136+89%

What a violation costs a 35-year-old in Florence, KY. Surcharges normally stay on the policy for three to five years.

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Minimum car insurance requirements in Kentucky

Every driver registering a vehicle in Kentucky must carry at least the limits below. Driving without them risks fines, licence suspension and an SR-22 filing requirement. Verify current limits with the Kentucky Department of Insurance.

Required coverage in KentuckyMinimum limit
Bodily injury liability, per person$25,000
Bodily injury liability, per accident$50,000
Property damage liability$25,000
PIP $10,000Required
Insurance systemNo-fault

Coverage levels compared in Florence

Coverage levelEst. annualEst. monthly
State minimum liability$729$61
Full coverage (100/300/100 + comp & collision)$2,188$182
Full coverage, high limits + low deductible$2,604$217

Coverage level comparison for Florence, KY.

Minimum liability is the cheapest legal option, but it pays nothing toward your own car. If your vehicle is worth more than roughly $3,000, or you still owe money on it, full coverage is normally the rational choice — the lender will require it either way.

ZIP codes we price in Florence

Rates move between ZIP codes inside the same city, sometimes by 15% or more, because claim frequency and theft rates are measured at ZIP level. Florence covers 41022, 41042 among others. Enter yours in the calculator above.

Frequently asked questions

▸How much is car insurance in Florence, KY?
Full coverage in Florence is estimated at $2,188 a year ($182 a month) for a 35-year-old with a clean record. A state-minimum liability policy is estimated at $729 a year. Actual quotes vary with your ZIP, vehicle, credit tier where permitted, and claims history.
▸What is the minimum car insurance required in Kentucky?
Kentucky requires at least $25,000 bodily injury per person, $50,000 per accident and $25,000 property damage, plus pip $10,000. Kentucky is a no-fault state, so your own policy pays your initial medical costs regardless of who caused the crash.
▸Who has the cheapest car insurance in Florence?
On our modelled comparison, Geico, State Farm and Progressive tend to price lowest in Florence for clean records, with USAA lower still for military families. The order changes by ZIP code and driver profile, which is why quoting at least three carriers is worth doing at every renewal.
▸How much does car insurance cost for a teen driver in Florence?
An 18-year-old in Florence is estimated at $4,986 a year for full coverage — roughly 128% above a 35-year-old on the same policy. Adding the teen to a parent's policy rather than buying a standalone one almost always costs less.
▸How much does a DUI raise insurance in Florence?
A DUI takes the estimate from $2,188 to about $4,136 a year in Florence, an increase of roughly 89%. Kentucky drivers with a DUI usually also need an SR-22 certificate filed by the insurer.
▸Can I lower my car insurance bill in Florence?
The three changes with the largest effect are raising your deductible from $500 to $1,000 (about 9% off the comprehensive and collision portion), bundling home or renters cover, and re-shopping at renewal — loyalty rarely earns a discount. Low-mileage and telematics programmes are worth checking if you drive under 7,500 miles a year.
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Car insurance in nearby cities

ErlangerBurlingtonIndependenceCovingtonNewportFort ThomasGeorgetownFrankfort

Comparing more of Kentucky? See every Kentucky city we price or read the cheap car insurance guide for Florence.