In 2019, 1,630 fatalities were reported from Darlington County. Most collisions took place on South Carolina’s secondary roads and local roads, and not on major highways. This could explain the higher than average Darlington auto insurance rates. The minimum coverage is $592, and full coverage is $1,614 on average.
Although Darlington is a small community of just 6,000 people, drivers can make big savings by comparing auto insurance rates from multiple carriers. Bankrate compared rates from several providers to find the lowest rates in Darlington. It also reviewed customer service reviews, financial ratings, and digital assets.
Darlington’s best car insurance companies
The top car insurance companies offer multiple coverage options and competitive rates. They also have strong financial backing, and many digital tools. Combining these factors will provide comprehensive auto policies with easy policy management.
| Insurance company | J.D. J.D. Southeast region | Minimum coverage: Average annual premium | For full coverage, the average annual premium |
|---|---|---|---|
| All over the country | 825 / 1000 | $682 | $1,449 |
| Progressive | 848 / 1000 | $607 | $1,445 |
| State Farm | 835 / 1000 | $631 | $1,472 |
| Southern Farm Bureau | Not rated | $632 | $1,456 |
All over the country
Nationwide provides several tools that can be customized to enhance your auto coverage. These tools include the accident forgiveness policy and the On Your Side(r), Review which will help you determine if there are other savings opportunities on your policy. Nationwide is the lowest scorer of the four companies on the J.D. Nationwide’s Power Score is right at the industry standard of the NAIC Customer Complaint Index.
Progressive
Progressive has a variety of policies and discounts that can be tailored to any budget. Progressive provides several tools for drivers in Darlington, such as the Snapshot(r) which offers safe driving discounts. You can see all available coverage options for your budget using the Name Your Price Tool(r).
State Farm
State Farm scores lower 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 biggest national carrier and offers digital tools like a user-friendly website, highly-rated and reviewed app. State Farm has all the options for you if you’re looking for auto insurance. You can choose to manage your policy through an agent, via the web, or by using an app.
Southern Farm Bureau
Southern Farm Bureau, a regional insurance carrier, is part of the larger Farm Bureau insurance group. The Southern Farm Bureau offers auto insurance policies in six US states: Arkansas (Colorado), Florida (Florida), Louisiana, Mississippi, South Carolina, and Mississippi. Southern Farm Bureau is not on the 2020 J.D. The Southeast Power List is not ranked on the 2020 J.D.
Darlington has the lowest car insurance
South Carolina drivers average $558 for minimum coverage, and $1512 for complete coverage. Darlington drivers pay around $592 per year for minimum coverage, and $1,614 annually for full coverage. These rates are much lower than the national average of $565 and $1674, which is why Darlington residents seek the lowest-priced car insurance. Many carriers offer low premiums and affordable rates.
| Insurance company | Minimum coverage: Average annual premium | For full coverage, the average annual premium |
|---|---|---|
| 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, USAA and Auto-Owners offer the best car insurance rates in Darlington. When choosing the right coverage, rates should not be your only consideration. With the 2020 JD Power Score for the Southeast, USAA, Geico, Auto-Owners, and Geico all score extremely high in customer satisfaction.
Each of the five carriers has mobile apps and websites that allow you to manage your policy, request roadside assistance, and file your claims. To get your initial quote, Auto-Owners will require that you work with an agent in your area.
Darlington insurance requirements
South Carolina has a similar legal requirement to have minimal liability coverage. The minimum South Carolina financial limits for insurance are:
- $25,000 bodily injury liability coverage per individual
- $50,000 bodily injury liability coverage per accident
- $25,000 per accident in property damage liability coverage
The 25/50/25 coverage requirement might not be all that is required. Lenders may require that you have both collision and comprehensive insurance if you lease or finance vehicles. To protect you and your lender from vehicle loss, gap insurance is required by lenders and lessors.
Darlington: Car insurance discounts
Although Darlington drivers may be paid less than other drivers across the country it is still a good idea to get as many discounts as you can. There may be discounts available such as:
- Multi-line discount: Ask your carrier about a multiline discount if you have more than one vehicle. Geico offers a 25% discount for those who insure more than one vehicle.
- A new car: The best thing about driving a brand new vehicle is the car discount that most carriers offer.
- Good grades can lead to lower auto insurance premiums if you put in the effort. This incentive is offered by most carriers.
- Paperless discounts: Ask your carrier about the possible discount if you opt for paperless statements rather than having them mailed each month.
Questions frequently asked
Which is the best auto insurance company?
Multiple factors can determine whether the carrier is right for you. You should also consider other factors such as customer reviews and ratings, financial ratings, and digital tools like a mobile application. Bankrate looked at several factors and came up with high scores for USAA, State Farm, and Geico.
What amount of car insurance do you need in Darlington
How much insurance you need to Darlington depends on many factors such as your age, driving record, and net worth. A licensed agent can help you get the coverage you want, while also meeting state minimum liability requirements.