Gaffney is a small community near the North Carolina and South Carolina borders. However, there are huge savings for drivers who do some comparison shopping to get their car insurance premiums lower. Gaffney drivers pay $523 per year for minimum coverage. Full coverage costs $1,410 per annum. This is lower than the national averages at $565 and $1.674 per annum.
According to the 2018 South Carolina Collision Fact Book, there were approximately 1,710 collisions in Gaffney. This indicates that the majority of collisions occurred along the 1-85 interstate. No matter where you travel in the city, having adequate auto coverage is essential. Bankrate makes this easy by comparing the coverage offered by different national and regional insurance carriers to find the best rates.
Gaffney’s best car insurance providers
Geico, Auto-Owners Progressive, State Farm and State Farm offer the lowest average premiums in Gaffney. Each carrier is worth your attention if you take a closer look.
| Insurance company | J.D. J.D. Southeast region | Minimum coverage: Average annual premium | For full coverage, the average annual premium |
|---|---|---|---|
| Auto-Owners | 854 / 1000 | $390 | $1,279 |
| Geico | 857 / 1000 | $372 | $1,085 |
| Progressive | 848 / 1000 | $583 | $1,422 |
| State Farm | 835 / 1000 | $601 | $1,376 |
Auto-Owners
Auto-Owners, a regional carrier that operates in South Carolina and 25 other states, is an example of this. Auto-Owners, like Geico, has high customer satisfaction scores in the Southeast thanks to the JD Power Score. Auto-Owners not only offers standard auto coverage, but also offers specialty options. Road problem assistance, rental vehicle coverage, and gap insurance are just a few options that you’ll find to complete your policy.
Geico
Geico offers the lowest rates among the companies that were analyzed. However, it also has the highest customer satisfaction rating for the 2020 JD Power Score in the Southeast. Geico, an insurance giant with more than 75 years of experience, has the AAA rating from BBB as well as the A++ Superior Am Best financial rating.
Progressive
Progressive offers many coverage options and discounts to your policy. Progressive claims that switching to another carrier can help you save as much as $750 per year on premiums. Progressive is not as well-respected as Auto-Owners or Geico with J.D. It has a Power Score of above-average.88 NAIC complaint score. Additionally, it receives an BBB rating.
State Farm
State Farm offers competitive rates and a variety of coverage options, discounts, and digital tools. State Farm is the biggest insurer in the United States. This shows that sometimes bigger is better when it comes auto insurance. State Farm scored even lower on the NAIC national complain index , scoring a.69 (the better the score), which is well below the industry average.
Gaffney has the lowest car insurance
South Carolina drivers pay an average $558 for minimum coverage and $1512 for full coverage. However, drivers in Gaffney pay a slightly lower $523 and $1410, respectively. This is lower than the $1,674 national average for premiums for car insurance. It is $565 per annum for full and minimum coverage.
| Insurance company | Minimum coverage: Average annual premium | For full coverage, the average annual premium |
|---|---|---|
| Geico | $372 | $1,085 |
| Auto-Owners | $390 | $1,279 |
| Travelers | $406 | $990 |
| Allstate | $426 | $1,390 |
| USAA | $457 | $1,374 |
Although these carriers offer competitive rates it is important that you consider other factors. All five carriers have an AM Best Superior A+ rating or higher, which indicates strong financial backings for insurance claims. To increase coverage and premiums, all five carriers offer a variety of policy options and discounts.
USAA, Geico, and Auto-Owners are particularly distinguished with their higher ranking with the 2020 JD Power score in customer service. Allstate and Travelers were lower than the regional average, while these three carriers were ranked highly.
Gaffney insurance requirements
South Carolina requires drivers to have minimum coverage, which includes liability coverage of at least 25/50/25.
- $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
However, the minimum liability will not cover serious accidents. South Carolina drivers may opt to add uninsured motorist coverage to their policy. If you are involved in an accident with another driver without insurance, this coverage will pay for your medical bills and property damage. About 9 percent of South Carolina drivers are currently driving without insurance, which puts other drivers at-risk if they are involved in an accident.
Gaffney car insurance discounts
Gaffney drivers may be paying less for premiums than the national average, but that does not mean they should be overpaying. Ask your agent if you want discounts greater than Gaffney’s giant, peach-shaped water tower.
- Paid in full: Most carriers offer additional discounts for paying your premium in one lump sum before the due date. Your premiums will be lower than if you were to make monthly installment payments.
- Safety equipment: Most carriers will offer safety equipment discounts if your vehicle is equipped with anti-lock brakes, airbags, or a theft system.
- Multi-policy: Bundling with the same insurance carrier that provides homeowners and renters insurance policies is a great way to save money on auto premiums. Bundling policies with Travelers insurance can help you to save up to 13%.
- Drivers who take a defensive driving course are eligible for discounts from most carriers. These programs not only offer life-saving driving tips but also allow you to earn an additional discount.
- Safe driver: Programs like Allstate’s DriveWise (r) let you connect via Bluetooth and an app, so that the carrier can access your safe driving habits. You may be eligible for a discount on your premiums based on your feedback.
Questions frequently asked
Which is the best auto insurance company?
The car insurance company that best suits your needs is the best. It is important to look at rates as well as customer service ratings, financial stability, and coverage options. Bankrate reviewed a number of national carriers using these criteria and concluded that Geico, USAA, and State Farm are worthy contenders.
What amount of car insurance do you need in Gaffney
South Carolina mandates that drivers have liability insurance at the very minimum. To complete your policy, you might need additional liability coverage, collision, comprehensive, or other options. If you finance or lease a vehicle, you may be required to buy gap insurance. A licensed agent can help you get the coverage you need.
