Best cheap car insurance in Darlington

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Darlington County residents were involved in 1,630 collisions in 2019. The majority of the collisions occurred on South Carolina’s secondary and local roadways and not the major highways. This may contribute to the higher-than-average rates Darlington residents pay for minimum auto insurance, which averages $592 and $1,614 for full coverage.

Darlington may be a small town of 6,000 residents, but drivers can enjoy big savings on auto insurance premiums simply by comparing multiple carriers. Bankrate reviewed several carriers for the best cheap rates in Darlington, as well as customer service reviews, financial ratings and digital assets for both national and local carriers.

Best car insurance companies in Darlington

The best car insurance companies not only provide multiple coverage options and competitive premium rates, but also have strong financial backing and a wide range of digital tools. These factors combined provide you with comprehensive auto policies and straightforward policy management.

Insurance company J.D. Power score
Southeast region
Average annual premium for minimum coverage Average annual premium for full coverage
Nationwide 825 / 1,000 $682 $1,449
Progressive 848 / 1,000 $607 $1,445
State Farm 835 / 1,000 $631 $1,472
Southern Farm Bureau Not rated $632 $1,456

Nationwide

Nationwide offers several personalized tools for enhanced auto coverage. These tools range from the accident forgiveness policy, to the On Your Side® Review where you can see if there are additional opportunities to save on your policy. While Nationwide does score the lowest of these four on the J.D. Power Score, Nationwide scores right at the industry standard for the NAIC Customer Complaint Index.

Progressive

Progressive offers a wide range of policy options and discounts which allows a policy to fit within almost any budget. Progressive offers several tools drivers in Darlington can take advantage of, including the Snapshot®, for safe driving discounts. The Name Your Price Tool® allows you to see the available coverage options based on your exact budget.

State Farm

Although State Farm does not score as high with the J.D. Power Score in the Southeast, it does maintain a below-industry-average score for the NAIC Customer Complaint Index. State Farm is the largest national carrier offering digital tools such as a user-friendly website and highly-rated and reviewed mobile app. If you are looking for auto insurance you can manage either through an agent, the web or an app, then State Farm offers all options no matter your preference.

Southern Farm Bureau

The Southern Farm Bureau is a regional carrier operating under the larger Farm Bureau insurance umbrella. The Southern Farm Bureau writes auto insurance policies in six states: Arkansas, Colorado, Florida, Louisiana, Mississippi and South Carolina. While Southern Farm Bureau does not rank on the 2020 J.D. Power list for the Southeast because of its small side, the carrier does have a stellar A+ rating with BBB and an A+ Superior AM Best rating, all while also providing highly competitive premium rates.

Cheapest car insurance in Darlington

Drivers in South Carolina on average pay $558 for minimum coverage and $1,512 for full coverage. Drivers in Darlington pay slightly higher rates for minimum insurance, around $592 annually — and full coverage is higher too, at $1,614 per year. Compared these rates to the national average, where rates fall around $565 and $1,674 respectively, and it is easy to see why Darlington residents are looking for the cheapest car insurance. Fortunately, several carriers offer affordable rates to lower the amounts of premiums even more.

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
Geico $415 $1,226
Allstate $456 $1,421
Auto-Owners $466 $1,456
Travelers $513 $1,237
USAA $572 $1,583

Geico, Allsate, Auto-Owners, Travelers and USAA offer some of the cheapest car insurance rates in Darlington. But rates may not be your only consideration when purchasing the right amount of coverage. If you value high customer satisfaction ratings, then Geico, Auto-Owners and USAA all score exceptionally high with the 2020 JD Power Score in the Southeast.

All five carriers have mobile apps and websites to manage your policy, call for roadside assistance and process your claims. However, Auto-Owners requires you to work with a local agent to complete your initial quote.

Darlington insurance requirements

South Carolina is like most states in that it is a legal requirement to carry minimal liability coverage. South Carolina minimum financial limits for insurance include:

  • $25,000 in bodily injury liability coverage per person
  • $50,000 in bodily injury liability coverage per accident
  • $25,000 in property damage liability coverage per accident

However, the 25/50/25 requirement may not be the only coverage required. For instance, if you lease or finance a vehicle, most lenders require you to carry both comprehensive and collision insurance. Lenders and lessors generally require gap insurance purchase, to protect both you and the lender from vehicle depreciation.

Car insurance discounts in Darlington

While drivers in Darlington may pay less than others across the country, it never hurts to take advantage of as many discounts as possible. Several discounts may be available, such as:

  • Multi-line discount: If you insure more than one vehicle with your carrier, ask about a multi-line discount. For instance, Geico generally provides a 25% discount on premiums for insuring more than one vehicle.
  • New car: Another positive aspect to driving a new vehicle is the new car discount most carriers offer.
  • Good grades: If you work hard on your grades, you might get rewarded for it with lower auto insurance premiums. Most carriers offer this extra incentive.
  • Paperless discounts: If you enroll in paperless statements instead of having them mailed to you each month, ask your carrier how much of a discount you might qualify for with this option.

Frequently asked questions

What is the best car insurance company?

There are multiple factors that determine if the carrier is the right car insurance company for you. In addition to rates, take time to examine other factors including the company’s customer service reputation and reviews, financial ratings and digital tools, such as a mobile app. Bankrate reviewed several of these same factors and found Geico, State Farm and USAA all scored high.

How much car insurance do I need in Darlington?

Exactly how much insurance you need in Darlington is dependent upon several personal factors, including the age of your vehicle, how much you drive your car and your net worth, to name a few. Working with a licensed auto insurance agent is the best way to get the exact coverage you need, in addition to meeting the state minimum liability requirements.

Methodology

Bankrate utilizes Quadrant Information Services to analyze rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

Rates are determined based on 2021 Quadrant Information Services data.

Written by
Sara Coleman
Insurance Contributor
Sara Coleman has three years of experience in writing for insurance domains such as Bankrate, The Simple Dollar, Reviews.com, Coverage.com and numerous other personal finance sites. She writes about insurance products such as auto, homeowners, renters and disability.