Cheapest Car Insurance Quotes in Darlington

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Darlington Car Insurance

^$ 49

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Darlington

The car insurance rate in Darlington is $996 for a six-month policy, which is $20 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $728, making it a popular choice for budget-conscious drivers. Rates in Darlington can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Darlington

$996

Avg. Car Insurance in Maryland

$1016

National Average

$1140

Cheapest Car Insurance Companies in Darlington

1st place: Kemper

At $728 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $786 for a six-month policy, making it one of the cheapest to insure with.

3rd place: State Farm

State Farm offers auto insurance rates at $804 for six months, making it the third cheapest auto insurance company in Darlington.

Darlington Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Darlington, MD is Kemper, offering policies at just $728 for a six-month term. This is followed by USAA, which has an average six-month premium of $786.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1863 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Darlington drivers find the best deals.

Cheap Car Insurance Companies in Darlington, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$728	$123
USAA	$786	$132
State Farm	$804	$135
Travelers	$804	$135
Nationwide	$931	$157
Erie	$960	$162
Progressive	$1095	$184
Allstate	$1863	$314

Key Takeaways

Way's key takeaways about car insurance in Darlington

The auto insurance costs in Darlington fall around $728 for six months.
The cheapest auto insurance company in Darlington is USAA.
Teen drivers pay the highest rate in Darlington at $1308 per month.

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Cheapest Minimum Liability Car Insurance in Darlington

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Darlington are given below.

USAA provides the cheapest minimum car insurance coverage in Darlington. Their Average 6 Month Premium is $291. Allstate is the most expensive at $1019 for the same period.

Cheapest Liability Coverage in Darlington, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$291	$49
Travelers	$402	$68
State Farm	$408	$69
Kemper	$414	$69
Erie	$431	$73
Progressive	$507	$85
Nationwide	$524	$88
Allstate	$1019	$172

Cheapest Full Coverage Car Insurance in Darlington

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Darlington is Kemper at $123 per month and $728 for six months.

Cheapest Full Coverage Car Insurance Quotes in Darlington, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$728	$123
USAA	$786	$132
State Farm	$804	$135
Travelers	$804	$135
Nationwide	$931	$157
Erie	$960	$162
Progressive	$1095	$184
Allstate	$1863	$314

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Average Car Insurance in Darlington by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Darlington, MD increasing?

Despite maintaining a clean driving record, your car insurance rates in Darlington, Maryland, may be increasing due to several external factors. Maryland has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Darlington's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Darlington

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Travelers	$671
30s	Travelers	$572
40s	Travelers	$521
50s	Travelers	$493
60s	Travelers	$553
70s	USAA	$584

Cheapest Car Insurance Rates for Teen Drivers in Darlington,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Darlington at $74 per month. At $7771 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$437	$74
Erie	$1135	$191
Travelers	$1327	$223
USAA	$1420	$239
State Farm	$1927	$324
Progressive	$2451	$413
Nationwide	$3679	$619
Allstate	$7771	$1308

Teen Car Insurance Rates in MD by Age

Way Tip

If you are in your twenties Travelers is the best choice for car insurance in Darlington.

As young drivers face the highest rates in Darlington, Travelers offers the cheapest auto insurance rates at $671 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Darlington, USAA is the cheapest car insurance provider. At $920 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Darlington is State Farm, offering rates of around $3481 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$920	$153
Progressive	$949	$160
Nationwide	$1205	$203
Travelers	$1699	$289
Erie	$1996	$333
Allstate	$2719	$463
State Farm	$3481	$580

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Car Insurance Rates with An Accident in Darlington

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Darlington, MD, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Darlington

The cheapest car insurance companies after an at-fault accident in Darlington include Erie and USAA, offering $722 and $821, respectively. Encompass is an expensive provider with an average six-month premium of $646.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$722	$122
USAA	$821	$138
Travelers	$832	$140
State Farm	$897	$151
Progressive	$1089	$183
Nationwide	$1513	$255
Allstate	$3400	$572
Encompass	$646	$108

Darlington Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Darlington MD. For example, the car insurance in Darlington after a DUI increases to $1105 for a six month policy. While the rate increases by $256 for a six-month policy in the case of a speeding ticket.

Darlington auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1176	$196
One Med/PIP claim	$1216	$207
Not-at-fault accident	$1263	$211
One comp claim	$1269	$216
Two Med/PIP claims	$1293	$216
Failure to wear a seat belt	$1333	$226
Failure to show documents	$1368	$228
Child safety restraint	$1380	$234
Two comp claims	$1380	$230
Driving with expired registration	$1414	$240
Cell phone violation	$1432	$239
Driving too slowly	$1432	$243
Failure to stop at a red light	$1432	$239
Failure to yield	$1432	$243
Following too closely	$1432	$239
Illegal turn	$1432	$243
Improper passing	$1432	$239
Speeding 11 - 15 MPH over limit	$1432	$243
Speeding 16 - 20 MPH over limit	$1432	$239
Speeding 6 - 10 MPH over limit	$1432	$243
Texting while driving	$1432	$239
Wrong way/wrong lane	$1432	$243
Speeding in school zone	$1449	$242
At-fault accident - less than $1000	$1479	$252
Passing school bus	$1485	$247
Driving without lights	$1491	$254
Open container	$1496	$249
Operating a vehicle without permission	$1513	$258
Speeding 21 - 25 MPH over limit	$1566	$261
In 65 MPH zone	$1711	$291
At-fault accident - $1000-$2000	$1764	$294
At-fault accident - greater than $2000	$1764	$300
Reckless driving	$2014	$336
Racing	$2166	$368
Driving with a suspended license	$2200	$367
Refusal to submit to a chemical test	$2271	$386
DUI	$2281	$380
Leaving scene of an accident/hit and run	$2299	$391

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Darlington after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Darlington.

The cheapest car insurance premiums in Darlington are offered by Erie at $617 for a six-month policy. However, it can be as expensive as $2538 with companies like Nationwide.

Darlington car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$617	$104
Travelers	$903	$152
Progressive	$1176	$198
USAA	$1356	$228
State Farm	$1764	$297
Allstate	$1944	$327
Nationwide	$2538	$427

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Darlington are offered by State Farm at $553. However, it can be as expensive as $2376 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Darlington after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$553	$93
USAA	$629	$107
Erie	$733	$123
Progressive	$850	$143
Travelers	$1164	$194
Nationwide	$1653	$281
Allstate	$2376	$396

Car Insurance Price Trends in Darlington, Maryland

Car insurance rates in Darlington have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Darlington rose by $209 in December compared to $208 of November. In other words, there has been an increase by $1 when you compare December and November.

The average cost of liability insurance in the Darlington remained steady at $75 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Darlington?

The car insurance in Darlington is $49 per month, which is lower than the national average.

What is the cheapest car insurance in Darlington?

The cheapest car insurance in Darlington is $123 per month for full coverage.

How much is car insurance in Darlington for teenagers?

Car insurance for teenagers costs $437 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Darlington?

The average cost of car insurance is $1016 for a six-month policy. It will cost around $168 per month to insure your car in Darlington.

Is car insurance expensive in Darlington?

Car insurance can be expensive in Darlington if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Darlington can be affordable.

Cheapest Car Insurance Quotes in Darlington

Why you can trust Way?

How Much Is Car Insurance in Darlington

Avg. Car Insurance in Darlington

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Darlington

1st place: Kemper

2nd place: USAA

3rd place: State Farm

Darlington Car Insurance Rates by Company

Cheap Car Insurance Companies in Darlington, MD

Way's key takeaways about car insurance in Darlington

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Darlington

Cheapest Liability Coverage in Darlington, MD

Cheapest Full Coverage Car Insurance in Darlington

Cheapest Full Coverage Car Insurance Quotes in Darlington, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Darlington by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Darlington, MD increasing?

Car Insurance Premiums by Age in Darlington

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Darlington,MD

If you are in your twenties Travelers is the best choice for car insurance in Darlington.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Darlington

Cheapest Car Insurance Companies after an At-Fault Accident in Darlington

Darlington Car Insurance Rates by Violation

Darlington auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Darlington after a DUI

Darlington car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Darlington after Speeding ticket

Car Insurance Price Trends in Darlington, Maryland

Average Car Insurance Cost in Darlington by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Darlington, MD

Car Insurance Rates by State in the USA (2025 Update)

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