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Best cheap car insurance in Gaffney

view of roads and Peachoid water tower in Gaffney, South Carolina
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view of roads and Peachoid water tower in Gaffney, South Carolina
digidreamgrafix/Adobe Stock
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Gaffney, South Carolina, may be a small town located along the North and South Carolina border, but there are big potential opportunities for drivers to save on car insurance premiums. For starters, the average car insurance rates in Gaffney are slightly lower than the statewide average cost of car insurance in South Carolina. Drivers in Gaffney pay an average of $523 per year for minimum coverage car insurance, according to Bankrate’s analysis of rate data from Quadrant Information Services. On the other hand, drivers pay an average cost of $1,410 per year for full coverage car insurance in Gaffney.

While minimum coverage may be the cheaper option, it’s important to note that minimum coverage is just that — minimal. To avoid being left in a financially precarious position if you cause an accident, most insurance agents will recommend increasing your coverage or opting to add additional types of coverage to your policy. Considering that, as of 2019, South Carolina had one of the highest rates of fatal car accidents in the nation, it could be even more important to make sure you’re covered. To help you find cheap car insurance and the best car Insurance in Gaffney, Bankrate reviewed several national and regional carriers to find out which companies provide the best coverage at the most affordable rates.

Best cheap car insurance companies in Gaffney

The cheapest auto insurance companies in Gaffney are Geico, Auto-Owners, State Farm and Progressive, according to Bankrate’s analysis of average rate data from Quadrant Information Services. In addition to considering average rates, Bankrate also awarded Bankrate Scores to the insurance companies in Gaffney, with a maximum score of 5 points.

Bankrate Scores are awarded to companies based on factors like discounts, accessibility, coverage options, online and mobile resources, third-party customer service ratings from J.D, Power and more. Drivers can use these same factors to help determine the best car insurance in South Carolina and the best car insurance companies in Gaffney based on their unique needs.

Insurance company Bankrate Score J.D. Power score
(Southeast region)
Average annual premium for full coverage Average annual premium for minimum coverage
Geico 4.7 843/1,000 $1,085 $372
Auto-Owners 4.5 849/1,000 $1,279 $390
State Farm 4.7 859/1,000 $1,376 $601
Progressive 4.4 828/1,000 $1,422 $582

Geico

According to our research, Geico offers the cheapest rates on average for car insurance in Gaffney for both full coverage and minimum coverage insurance. For example, the average annual cost of a full coverage insurance policy with Geico is over $300 cheaper than the citywide average for this type of coverage. Geico also scored above average in the Southeast Region on the J.D. Power 2021 U.S. Auto Insurance Study, and was awarded the highest possible rating from AM Best, an A++, which indicates excellent financial stability and financial management.

Learn more: Geico Insurance review

Auto-Owners

Auto-Owners is a regional carrier operating in the state of South Carolina, and this company’s average rates in Gaffney for both full and minimum coverage auto insurance were lower than the average. Auto-Owners offers the standard auto coverage options you would expect as well as some specialty options too. Road trouble assistance, rental car coverage and gap insurance are a few of the additional options available through this insurance company. Plus, it offers a list of discounts, including paid-in-full, student discounts, and multi-policy, that may help save you more. The company will also waive your collision deductible if you hit another Auto-Owners policyholder.

Learn more: Auto-Owners Insurance review

State Farm

The largest insurer in the U.S. by market share, State Farm offers affordable average rates to Gaffney drivers, as well as several coverage options, discounts and digital tools. It was also one of the highest-scoring companies in the Southeast region on the J.D. Power 2021 U.S. Auto Insurance Study. In addition, State Farm won the 2022 Bankrate Award for best auto insurance company, thanks to its competitive average full coverage premium for a broad audience, its high claims satisfaction score and strong financial strength and other factors.

Learn more: State Farm Insurance review

Progressive

Progressive offers affordable average car insurance rates in Gaffney, with the average cost of minimum coverage below the statewide cost average. While the average price of full coverage is slightly above the statewide average, Progressive offers a list of discounts that may reduce costs for those who qualify. Many of these discounts are easy to earn — you can score a discount just for getting an online quote, for example. Plus, Progressive claims its Snapshot telematics program saves policyholders an average of $146 per year on their rates and an average of $47 via an enrollment discount just for signing up.

Learn more: Progressive Insurance review

How to get and keep the cheapest car insurance in Gaffney

If you want to find and keep the cheapest car insurance in Gaffney, it starts with having good driving habits and maintaining a clean driving record. Insurance providers tend to reward good drivers with affordable rates and discounts, so if you drive safely, you’ll be more likely to be offered lower rates by insurance providers. It can also help to:

  • Shop around before you buy. Just because a company offers the lowest average rates doesn’t mean they’ll be the best bet for your needs. Each company calculates their rates differently, and what works for one driver may not work for you. If you want to find the cheapest car insurance, it may help to gather several quotes and compare them to see what your best rate quotes are.
  • Review your insurance annually. Changes in your lifestyle — such as a new address or adding a teen driver to your policy — may change your premium costs, but if you shop around for new car insurance once a year, you can be sure that you’re getting the best rates for your personal situation. If your vehicle is paid off, you can also consider eliminating your collision and comprehensive coverage as your vehicle ages and loses value.

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
Mary Van Keuren
Insurance Contributor
Mary Van Keuren has written for insurance domains such as Bankrate, Coverage.com, and The Simple Dollar for the past five years, specializing in home and auto insurance. She has also written extensively for consumer websites including Reviews.com and Slumber Yard. Prior to that, she worked as a writer in academia for several decades.
Edited by
Insurance Editor