- Average car insurance cost in Florence is $1,930 per year, or $161 per month for full coverage.
- Compact SUV models like the Nissan Kicks, Buick Envision, and Toyota Corolla Cross are our top picks for having cheap car insurance.
- Vehicles with the lowest cost car insurance in Florence for their respective segments include the Subaru Crosstrek ($119 per month), Mazda MX-5 Miata ($149 per month), Audi A5 ($190 per month), and Toyota GR Corolla ($140 per month).
How much does car insurance cost in Florence?
The average cost of car insurance in Florence is $1,930 per year, or about $161 per month for a policy with full coverage. It costs 2.5% more to insure the average vehicle in Florence, KY, than the U.S. overall average rate of $1,883.
In the state of Kentucky, the average cost to insure a vehicle is $2,034 per year, so the cost in Florence averages $104 less per year.
When compared to other locations in Kentucky, the cost of car insurance in Florence is $12 per year more than in Bowling Green, $34 per year cheaper than in Covington, and $34 per year cheaper than in Lexington.
The next chart shows a summary of car insurance rates in Florence for 2024 model year vehicles, averaged based on a range of different driver ages, policy deductibles, and driver risk scenarios.
Average car insurance rates in the prior chart range from $1,602 per year for a 40-year-old driver who qualifies for a cheap discount rate to $4,438 per year for a 30-year-old driver who has a few accidents and violations and has to buy a high risk policy.
When these rates are converted to a cost per month, the average cost of car insurance per month in Florence ranges from $134 to $370.
Florence auto insurance rates can have significant differences in cost and slight changes in a driver’s risk profile can have enormous effects on car insurance cost. The possibility of a wide range of rates reinforces the need for accurate free car insurance quotes when searching online for the cheapest auto insurance.
The age of the driver is the factor that has the most impact on the price of car insurance. The list below details how driver age influences cost by showing average car insurance rates in Florence for different driver ages.
Average car insurance rates in Florence, Kentucky, for drivers age 16 to 60
- 16 year old – $6,870 per year or $573 per month
- 17 year old – $6,657 per year or $555 per month
- 18 year old – $5,967 per year or $497 per month
- 19 year old – $5,433 per year or $453 per month
- 20 year old – $3,882 per year or $324 per month
- 30 year old – $2,060 per year or $172 per month
- 40 year old – $1,930 per year or $161 per month
- 50 year old – $1,712 per year or $143 per month
- 60 year old – $1,600 per year or $133 per month
The rates listed above that detailed the cost to insure teen drivers were based on the driver being male. The next chart goes into more detail for teenage car insurance rates and breaks out average car insurance cost for teenagers in Florence, KY, by gender. Females are usually a little cheaper to insure, especially in the teen years.
Auto insurance for a 16-year-old female driver in Florence costs an average of $452 less per year than the cost for a 16-year-old male driver, while at age 19, females don’t save quite as much at $840 per year.
Which vehicles have cheap insurance in Florence?
The models with the best car insurance prices in Florence, KY, tend to be crossovers and compact SUVs like the Subaru Crosstrek, Kia Soul, and Toyota Corolla Cross. Average insurance quotes for the models in the top 10 cost $1,692 or less per year to have full coverage.
Additional vehicles that have very good auto insurance prices in our overall cost comparison are the Honda CR-V, Buick Encore, Chevrolet Colorado, and Volkswagen Tiguan. Insurance rates are slightly more for those models than the crossover SUVs that rank at the top, but they still have an average insurance cost of $1,772 or less per year in Florence.
The next table details the cheapest vehicles to insure in Florence, ordered by annual cost.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,426 | $119 |
| 2 | Chevrolet Trailblazer | $1,448 | $121 |
| 3 | Kia Soul | $1,504 | $125 |
| 4 | Nissan Kicks | $1,520 | $127 |
| 5 | Honda Passport | $1,534 | $128 |
| 6 | Buick Envision | $1,546 | $129 |
| 7 | Toyota Corolla Cross | $1,554 | $130 |
| 8 | Hyundai Venue | $1,566 | $131 |
| 9 | Mazda CX-5 | $1,574 | $131 |
| 10 | Ford Bronco Sport | $1,578 | $132 |
| 11 | Volkswagen Tiguan | $1,598 | $133 |
| 12 | Acura RDX | $1,614 | $135 |
| 13 | Nissan Murano | $1,620 | $135 |
| 14 | Buick Encore | $1,638 | $137 |
| 15 | Honda CR-V | $1,642 | $137 |
| 16 | Subaru Outback | $1,644 | $137 |
| 17 | Buick Envista | $1,648 | $137 |
| 18 | Chevrolet Colorado | $1,650 | $138 |
| 19 | Kia Niro | $1,652 | $138 |
| 20 | Volkswagen Taos | $1,652 | $138 |
| 21 | Subaru Ascent | $1,676 | $140 |
| 22 | Honda HR-V | $1,678 | $140 |
| 23 | Toyota GR Corolla | $1,678 | $140 |
| 24 | Nissan Leaf | $1,688 | $141 |
| 25 | Honda Civic | $1,708 | $142 |
| 26 | Lexus NX 250 | $1,708 | $142 |
| 27 | Volkswagen Atlas | $1,710 | $143 |
| 28 | Acura Integra | $1,714 | $143 |
| 29 | Volkswagen Atlas Cross Sport | $1,720 | $143 |
| 30 | Subaru Forester | $1,722 | $144 |
| 31 | Kia Seltos | $1,724 | $144 |
| 32 | GMC Terrain | $1,726 | $144 |
| 33 | Nissan Rogue | $1,734 | $145 |
| 34 | Hyundai Kona | $1,736 | $145 |
| 35 | Mazda CX-30 | $1,738 | $145 |
| 36 | Cadillac XT4 | $1,740 | $145 |
| 37 | Volkswagen ID4 | $1,748 | $146 |
| 38 | Ford Explorer | $1,750 | $146 |
| 39 | Toyota Highlander | $1,754 | $146 |
| 40 | Ford Escape | $1,758 | $147 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Florence, KY Zip Codes. Updated February 23, 2024
A few additional vehicles worth noting making the list of the top 40 table above include the Subaru Ascent, the Hyundai Kona, the Nissan Rogue, and the Volkswagen ID4. Average car insurance rates for those models cost between $1,652 and $1,762 per year in Florence.
To help put these rates in perspective, some vehicles that cost more to insure include the Jeep Cherokee at $173 per month, the Audi S3 which averages $180, and the Lexus LX 570 at an average of $227.
This next section further discusses the average cost of auto insurance in Florence for each different automotive segment. These rates should provide a decent idea of which types of cars, trucks, and SUVs that have the overall best Florence car insurance rates.
Cheapest insurance rates by vehicle segment
If you’re considering buying a different vehicle, it’s useful to have a basic understanding of which types of vehicles are cheaper to insure. As an example, many people wonder if compact SUVs are more affordable to insure than compact cars or if luxury models have more expensive insurance than regular vehicles.
The next chart displays the average cost of auto insurance rates in Florence for different vehicle segments. From an overal segment perspective, small SUVs, vans, and midsize pickups tend to have the most affordable average rates, with high-performance exotic models having the highest auto insurance rates.
For the purpose of comparison, it’s a good idea to use average insurance cost by segment as a starting point, as it’s more accurate look at specific models to find out which vehicles in each segment have the best insurance rates.
For example, in the small SUV segment, Florence insurance rates range from the Subaru Crosstrek at $1,426 per year up to the Ford Mustang Mach-E at $2,256 per year, a difference of $830 within that segment. For another example, in the large luxury SUV segment, rates vary from the Infiniti QX80 costing $2,162 per year up to the Mercedes-Benz G63 AMG at $4,146 per year.
Next, we go into more detail by showing the model with the best car insurance rates in Florence, KY, for each segment in the chart above. Annual and monthly insurance quotes are detailed for each vehicle. Each model is linked to segment comparisons and insurance rates by trim level.
- Cheapest compact car insurance – Toyota GR Corolla at $1,678 per year or $140 per month
- Cheapest compact SUV insurance – Subaru Crosstrek at $1,426 per year or $119 per month
- Cheapest midsize car insurance – Hyundai Ioniq 6 at $1,774 per year or $148 per month
- Cheapest midsize SUV insurance – Honda Passport at $1,534 per year or $128 per month
- Cheapest full-size car insurance – Chrysler 300 at $1,830 per year or $153 per month
- Cheapest full-size SUV insurance – Chevrolet Tahoe at $1,812 per year or $151 per month
- Cheapest midsize pickup insurance – Chevrolet Colorado at $1,650 per year or $138 per month
- Cheapest full-size pickup insurance – Nissan Titan at $1,804 per year or $150 per month
- Cheapest heavy duty pickup insurance – GMC Sierra 2500 HD at $1,960 per year or $163 per month
- Cheapest minivan insurance – Honda Odyssey at $1,762 per year or $147 per month
- Cheapest sports car insurance – Mazda MX-5 Miata at $1,784 per year or $149 per month
- Cheapest compact luxury car insurance – Acura Integra at $1,714 per year or $143 per month
- Cheapest compact luxury SUV insurance – Acura RDX at $1,614 per year or $135 per month
- Cheapest midsize luxury car insurance – Mercedes-Benz CLA250 at $1,984 per year or $165 per month
- Cheapest midsize luxury SUV insurance – Jaguar E-Pace at $1,804 per year or $150 per month
- Cheapest full-size luxury car insurance – Audi A5 at $2,284 per year or $190 per month
- Cheapest full-size luxury SUV insurance – Infiniti QX80 at $2,162 per year or $180 per month
Variability and auto insurance rates
To help clarify the amount the cost of auto insurance can deviate from one person to the next (and also emphasize the importance of accurate rate quotes), the charts below have a wide range of car insurance rates for four popular vehicles in Florence: the Chevrolet Silverado, Honda Civic, Nissan Rogue, and Toyota Highlander.
The example for each vehicle shows average rates for a range of driver profiles to illustrate the difference in rates based on driver risk or policy deductible limits.
Chevrolet Silverado insurance rates
With a purchase price ranging from $39,900 to $105,000, average Florence car insurance rates on a 2024 Chevrolet Silverado range from $1,808 per year for the Chevrolet Silverado EV WT model up to $2,528 per year for the Chevrolet Silverado EV RST First Edition trim level.
When Florence auto insurance rates on a Chevrolet Silverado are compared to the average cost for the entire U.S. on the same model, rates are $30 to $42 more expensive per year in Florence, depending on the specific model being insured.
The bar chart below shows how car insurance rates on a Chevrolet Silverado can be significantly different for a number of different driver ages and risk profiles.
In this example, rates range from $1,768 to $4,952 per year, which is a price difference of $3,184 just by factoring different driver risk profiles.
The Chevrolet Silverado is considered a full-size truck, and other models in that segment include the Nissan Titan, Ford F150, Ram Truck, and Toyota Tundra.
Honda Civic insurance rates
The average cost of Honda Civic insurance in Florence is $1,708 per year. With prices ranging from $23,950 to $43,795, average insurance rates on a Honda Civic cost from $1,528 per year on the Honda Civic LX model up to $2,024 per year on the Honda Civic Type R.
When Florence car insurance rates on the Honda Civic are compared to the overall national average cost for the same model, the cost is $26 to $32 more per year in Florence, depending on the model being insured.
On a monthly basis, auto insurance quotes for a Honda Civic can cost from $127 to $169 per month, depending on exactly where you live in Florence.
The next rate chart may help you understand how car insurance rates on a Honda Civic can range considerably for a number of different driver ages, policy deductibles, and risk profiles.
The Honda Civic belongs to the compact car segment, and other models in the same segment include the Toyota Corolla, Nissan Sentra, Volkswagen Jetta, and Chevrolet Cruze.
Nissan Rogue insurance rates
Nissan Rogue insurance in Florence averages $1,734 per year, with rates ranging from a low of $1,642 per year on the Nissan Rogue S 2WD model (MSRP of $29,360) up to $1,816 per year for the Nissan Rogue Platinum AWD trim level (MSRP of $39,230).
As a cost per month, auto insurance on a 2024 Nissan Rogue for a good driver can cost from $137 to $151 per month, depending on the company and your exact location in Florence.
The chart displayed below should help you understand how insurance rates for a Nissan Rogue can be very different based on an assortment of driver ages, policy deductibles, and policy risk factors.
The Nissan Rogue is a compact SUV, and other popular models include the Honda CR-V, Mazda CX-5, Ford Escape, and Chevrolet Equinox.
Toyota Highlander insurance rates
With sticker prices ranging from $37,625 to $43,825, average Florence insurance rates on a 2024 Toyota Highlander cost from $1,614 per year on the Toyota Highlander LE 2WD model up to $1,906 per year for the Toyota Highlander Hybrid XLE AWD model.
From a monthly standpoint, full-coverage auto insurance on the Toyota Highlander for an average middle-age driver can cost from $135 to $159 per month, depending on your Zip Code in Florence.
The chart displayed below helps to visualize how the price of car insurance for a Toyota Highlander can change based on different driver ages and possible risk profiles. For our example drivers, cost ranges from $1,460 to $4,010 per year, which is a cost difference of $2,550 caused by changing the rated driver.
The Toyota Highlander is part of the midsize SUV segment, and other similar models from the same segment include the Jeep Grand Cherokee, Ford Edge, and Kia Sorento.