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Best cheap car insurance in Darlington

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The average cost of car insurance in Darlington is slightly more expensive than the average cost of car insurance in South Carolina. The average cost of full coverage car insurance in Darlington is $1,614 per year, or about $134 per month. The average cost of minimum coverage car insurance in Darlington is $592 per year, or less than $50 per month. But while a minimum coverage policy is cheaper on average, it also provides significantly less coverage, so it’s not always the best option for drivers.

Luckily, there are a handful of car insurance companies in Darlington that offer affordable rates for drivers without compromising the quality of the coverage. Progressive offers the cheapest average rates in Darlington, according to Bankrate’s 2021 study of quoted annual premiums, and there are other options for drivers who are looking to  find the best car insurance in Darlington with the most affordable rates. We analyzed average rate data and other important factors for over a dozen insurance companies to help you find the best cheap car insurance in Darlington.

Best cheap car insurance companies in Darlington

Based on our analysis of rate data from Quadrant Information Services, Progressive offers the cheapest average car insurance rates in Darlington, followed by Nationwide, Southern Farm Bureau and State Farm. We also awarded these insurance companies a Bankrate Score with a maximum of 5 points. Bankrate Scores are calculated using criteria that includes coverage options, customer experience, claim handling and online/mobile tools.

If you are searching for the cheapest car insurance in South Carolina, focusing on price and getting personalized rate quotes may be important to you. However, it can also be useful to compare insurance carriers based on other factors, like customer service ratings or coverage options. Drivers can use these same factors to determine the best car insurance in South Carolina.

Insurance company Bankrate Score J.D. Power score
(Southeast region)
Average annual premium for full coverage Average annual premium for minimum coverage
Progressive 4.4 828/1,000 $1,445 $607
Nationwide 4.4 831/1,000 $1,449 $682
Southern Farm Bureau 3.6 N/A $1,456 $632
State Farm 4.7 859/1,000 $1,472 $631

Progressive

Progressive offers the cheapest average full coverage car insurance rates in Darlington, based on our analysis of sample rate data. Drivers may also be able to take advantage of the numerous discounts offered by Progressive. In addition to low average rates, this company offers an array of online tools and resources. For example, the Name Your Price Tool allows drivers to find a car insurance policy that fits within a specific price range. The rate comparison tool allows drivers to compare Progressive’s quotes to quotes from other insurance companies. However, it’s worth noting that the average cost of a minimum coverage policy with Progressive is higher than the citywide average.

Learn more: Progressive Insurance review

Nationwide

Nationwide’s average rates for full coverage insurance are lower than the citywide average, and this insurance company also offers numerous coverage options. Drivers have the option to customize their policies with add-ons like accident forgiveness, disappearing deductible, gap insurance, a total loss deductible waiver, roadside assistance and more. Nationwide also offers a variety of savings opportunities via discounts, which includes a safe driver reward program, called SmartRide®. However, it’s worth noting that Nationwide was rated below average by J.D. Power for overall customer satisfaction in the Southeast region.

Learn more: Nationwide Insurance review

Southern Farm Bureau

Southern Farm Bureau is a regional insurance provider that serves drivers in a handful of states, including South Carolina. Southern Farm Bureau is not rated by J.D. Power, but it offers lower than average rates on full coverage car insurance for drivers in Darlington. Southern Farm Bureau also offers a wide variety of discounts and unique savings opportunities, like a discount for drivers who use their personal vehicle for farming purposes. However, the coverage options are limited outside of the standard options, so this company may not be the best option for drivers who need or want to personalize their car insurance coverage.

Learn more: Farm Bureau Insurance review

State Farm

State Farm is the largest provider in the nation by market share, and it also offers lower than average rates on car insurance policies in Darlington. State Farm was also the only company on this list to be rated above average by J.D. Power for overall customer satisfaction. This company offers numerous discounts to drivers in addition to low rates, which includes two safe driver rewards programs and discounts for good students, vehicle safety features, policy bundling and more. It’s worth noting, though, that State Farm offers just a handful of endorsements, which may make it difficult to customize your policy.

Learn more: State Farm Insurance review

How to get and keep the cheapest car insurance in Darlington

You may get offered a low rate on your car insurance policy, but you also have to work to keep the rate low over time. Car insurance premiums are not locked in, which means your rate can fluctuate over time. These tips can help you get and keep the cheapest car insurance in Darlington:

  • Look for providers with discounts. Most insurance providers offer discounts to drivers who want to lower their premium. When comparing providers, it may be helpful to look for carriers with the option of multiple discounts that allow you to maximize your savings.
  • Prioritize a clean driving record. Individuals with clean driving records typically pay the lowest rates for car insurance. By practicing safe driving habits and avoiding blemishes on your driving record, you may be able to get more affordable rates, and if you keep your driving record clean, you may be more likely to keep the low rates over time.

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2022 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 coverage that meets each state’s requirements. Our base profile drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually.

Individual city rates represent 2021 data and a 2019 Toyota Camry.

These are sample rates and should only be used for comparative purposes.

Bankrate Score

Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.

To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S&P, NAIC, and Moodys had the most impact on the companies’ Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across more than 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider.

While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.

Written by
Elizabeth Rivelli
Insurance Contributor
Elizabeth Rivelli is a contributing insurance writer for Bankrate and has years of experience writing for insurance domains such as The Simple Dollar, Coverage.com and NextAdvisor, among others
Edited by
Insurance Editor