Car Insurance in Florence, KY

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Driving Safely in Florence

Located in Boone County, Kentucky, Florence is a convergence point for various major roadways. including U.S. Routes 127, 42 and 25, and Interstates 71 and 75. Between these routes, its proximity to Cincinnati and its spectacular riverside attractions, Florence is a vital part of the Cincinnati metropolitan area.

Car insurance in Florence, KY, is essential due to the importance of automobiles and driving in the region. With a highly educated, diverse population of 32,618. Florence is full of people who rely on their cars to commute to and from work, with total commuting time averaging 21.3 minutes. People also often drive to Florence from surrounding communities to visit its shopping malls, riverside attractions and minor league baseball games.

Florence has a temperate climate, with cool weather throughout the spring and early summer, hot and humid weather from midsummer to early fall and mild winters. However, the region receives large amounts of rainfall throughout the year, typically peaking in May. which can increase the risk of dangerous driving conditions and accidents.

Coverage You Need

The state of Kentucky requires all drivers to have car insurance. In Florence, you may need additional coverage depending on where your home is located and whether you have specific insurance needs, such as seasonal vehicle coverage.

Florence is a medium-sized city located in a major metropolitan area. Not only do people living there need to commute to work, but they may also need to commute to other cities. People need cars and car insurance in Florence, KY, because automobiles are more reliable options than public transit.

How Requirements for Car Insurance in Florence, KY, Affect Cost

On average, drivers in Florence can expect to pay around $123 per month, or about $1,476 per year, for their car insurance policies. In Kentucky, drivers must include either a total minimum liability coverage of $60,000, or at least $25,000 for one bodily injury claim, at least $50,000 for multiple claims and $25,000 for property damage. The more coverage you buy and the more additions you make to your policy, the higher your monthly bill will be. Using VIU by HUB can help you find the right coverage for the best price.

Risks Car Insurance Can Cover

Auto insurance can protect you and your car against several dangers, including accidents, property damage and personal injury. You may want additional coverage depending on where you live and what kind of vehicle you drive.


Due to its location and the amount of precipitation it receives each year, Florence is at moderate risk of flooding. Flooding is likely to impact the daily lives of those living in the city, including their commutes and vehicle safety. Some insurance policies include flood coverage in their comprehensive coverage, but you may need to purchase additional flood insurance.


The property crime rate in Florence is higher than Kentucky's overall rate. In Florence, people have a 1 in 26 chance of becoming a victim of property crime, compared to a 1 in 58 chance in the state of Kentucky overall. Getting an insurance policy that covers your vehicle if it's affected by property crime can ensure it is protected whether you're driving it or not.

Remember to shop around and compare quotes before contacting insurance providers or buying car insurance in Florence, KY. Look for a policy that provides the coverage you want or need for an affordable price. Comparing quotes with VIU by HUB can help you save money and time. After you provide information about your location and vehicle, you can efficiently compare quotes from various insurance companies side-by-side.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


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