Cheapest Car Insurance Quotes in Darling

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Darling Car Insurance

^$ 27

/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 Darling

The car insurance rate in Darling is $903 for a six-month policy, which is $35 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $401, making it a popular choice for budget-conscious drivers. Rates in Darling 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 Darling

$903

Avg. Car Insurance in Mississippi

$868

National Average

$1140

Cheapest Car Insurance Companies in Darling

1st place: Direct General Insurance

At $401 for a six month policy, Direct General Insurance offers the cheapest auto insurance rates in the city.

2nd place: Mississippi Farm Bureau

Mississippi Farm Bureau offers auto insurance rates at $445 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $748 for six months, making it the third cheapest auto insurance company in Darling.

Darling Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Darling, MS is Direct General Insurance, offering policies at just $401 for a six-month term. This is followed by Mississippi Farm Bureau, which has an average six-month premium of $445.

At the higher end of the spectrum, Safeway is the most expensive, with rates reaching $1378 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Darling drivers find the best deals.

Cheap Car Insurance Companies in Darling, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$401	$69
Mississippi Farm Bureau	$445	$74
USAA	$748	$126
Travelers	$766	$129
State Farm	$790	$133
Farm Bureau	$822	$137
National Farmers Union Insurance	$828	$140
Nationwide	$988	$166
Progressive	$1044	$176
Shelter	$1075	$181
Allstate	$1198	$204
Farmers	$1254	$209
Safeway	$1378	$234

Key Takeaways

Way's key takeaways about car insurance in Darling

The auto insurance costs in Darling fall around $401 for six months.
The cheapest auto insurance company in Darling is Direct General Insurance.
Teen drivers pay the highest rate in Darling at $904 per month.

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Cheapest Minimum Liability Car Insurance in Darling

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 Darling are given below.

Direct General Insurance provides the cheapest minimum car insurance coverage in Darling. Their Average 6 Month Premium is $160. Farmers is the most expensive at $550 for the same period.

Cheapest Liability Coverage in Darling, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$160	$27
Mississippi Farm Bureau	$166	$28
National Farmers Union Insurance	$166	$28
State Farm	$191	$32
USAA	$204	$34
Farm Bureau	$259	$44
Progressive	$265	$45
Safeway	$315	$54
Travelers	$321	$54
Shelter	$370	$62
Nationwide	$383	$64
Allstate	$458	$77
Farmers	$550	$92

Cheapest Full Coverage Car Insurance in Darling

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 Darling is Direct General Insurance at $69 per month and $401 for six months.

Cheapest Full Coverage Car Insurance Quotes in Darling, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$401	$69
Mississippi Farm Bureau	$445	$74
USAA	$748	$126
Travelers	$766	$129
State Farm	$790	$133
Farm Bureau	$822	$137
National Farmers Union Insurance	$828	$140
Nationwide	$988	$166
Progressive	$1044	$176
Shelter	$1075	$181
Allstate	$1198	$204
Farmers	$1254	$209
Safeway	$1378	$234

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Average Car Insurance in Darling 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 Darling, MS increasing?

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

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

Car Insurance Premiums by Age in Darling

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

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Cheapest Car Insurance Rates for Teen Drivers in Darling,MS

If you are planning to get a car insurance policy for your teenage dependent, Direct General Insurance provides the cheapest car insurance in the Darling at $34 per month. At $5424 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$204	$34
National General	$210	$35
Mississippi Farm Bureau	$229	$38
State Farm	$704	$119
USAA	$790	$133
Travelers	$964	$162
Farm Bureau	$1414	$240
Progressive	$1693	$285
Shelter	$2725	$463
Farmers	$3793	$632
Allstate	$4257	$724
Nationwide	$5424	$904

Teen Car Insurance Rates in MS by Age

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 Darling, Direct General Insurance is the cheapest car insurance provider. At $204 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 Darling is Farmers, offering rates of around $3700 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$204	$34
Mississippi Farm Bureau	$290	$49
Travelers	$945	$159
Progressive	$952	$160
USAA	$1149	$196
Nationwide	$1192	$201
Farm Bureau	$1408	$239
Allstate	$1921	$320
Shelter	$2452	$417
State Farm	$2984	$497
Farmers	$3700	$629

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Car Insurance Rates with An Accident in Darling

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 Darling, MS, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Darling include Mississippi Farm Bureau and Direct General Insurance, offering $229 and $328, respectively. Farmers is an expensive provider with an average six-month premium of $2996.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$229	$38
Direct General Insurance	$328	$56
National General	$334	$55
State Farm	$353	$59
Safeway	$376	$62
USAA	$414	$70
Shelter	$605	$102
Travelers	$630	$106
Progressive	$692	$116
Farm Bureau	$1057	$180
Nationwide	$1347	$227
Allstate	$1767	$301
Farmers	$2996	$499

Darling Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Darling MS. For example, the car insurance in Darling after a DUI increases to $761 for a six month policy. While the rate increases by $254 for a six-month policy in the case of a speeding ticket.

Darling auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1099	$183
One Med/PIP claim	$1099	$187
Not-at-fault accident	$1149	$191
One comp claim	$1174	$200
Two Med/PIP claims	$1180	$197
Driving without lights	$1267	$215
Two comp claims	$1273	$212
Failure to show documents	$1309	$223
Failure to wear a seat belt	$1309	$218
Child safety restraint	$1316	$224
Driving with expired registration	$1316	$219
Driving too slowly	$1328	$226
Failure to stop at a red light	$1328	$222
Speeding in school zone	$1328	$226
Cell phone violation	$1341	$224
Improper passing	$1347	$229
Texting while driving	$1347	$225
Wrong way/wrong lane	$1347	$229
Speeding 6 - 10 MPH over limit	$1353	$226
Failure to yield	$1359	$231
Speeding 11 - 15 MPH over limit	$1359	$227
Following too closely	$1366	$232
Illegal turn	$1366	$228
Speeding 16 - 20 MPH over limit	$1366	$232
Speeding 21 - 25 MPH over limit	$1378	$230
Passing school bus	$1390	$236
In 65 MPH zone	$1427	$238
At-fault accident - less than $1000	$1494	$254
Operating a vehicle without permission	$1507	$252
Open container	$1551	$264
At-fault accident - $1000-$2000	$1612	$268
At-fault accident - greater than $2000	$1612	$275
Driving with a suspended license	$1681	$280
Reckless driving	$1681	$286
Refusal to submit to a chemical test	$1841	$307
DUI	$1860	$316
Racing	$1878	$313
Leaving scene of an accident/hit and run	$1891	$321

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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 Darling 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 Darling.

The cheapest car insurance premiums in Darling are offered by Mississippi Farm Bureau at $321 for a six-month policy. However, it can be as expensive as $2996 with companies like Farmers.

Darling car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$321	$55
Direct General Insurance	$328	$54
National General	$334	$57
State Farm	$766	$129
Travelers	$803	$135
Progressive	$822	$138
USAA	$1063	$179
Farm Bureau	$1334	$223
Shelter	$1582	$266
Allstate	$1681	$283
Nationwide	$1711	$288
Farmers	$2996	$499

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 Darling are offered by Mississippi Farm Bureau at $185. However, it can be as expensive as $1798 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Darling after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$185	$31
Direct General Insurance	$259	$44
State Farm	$408	$69
Progressive	$717	$121
USAA	$778	$130
Farm Bureau	$883	$150
Travelers	$1093	$182
Shelter	$1297	$220
Allstate	$1322	$220
Farmers	$1569	$267
Nationwide	$1798	$300

Car Insurance Price Trends in Darling, Mississippi

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

The average cost of full coverage in the Darling remained steady at $212 in both November and October, indicating no change over the two month period.

The average cost of liability insurance in the Darling remained steady at $48 in both November and October, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Darling?

The car insurance in Darling is $27 per month, which is lower than the national average.

What is the cheapest car insurance in Darling?

The cheapest car insurance in Darling is $69 per month for full coverage.

How much is car insurance in Darling for teenagers?

Car insurance for teenagers costs $204 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 Darling?

The average cost of car insurance is $868 for a six-month policy. It will cost around $152 per month to insure your car in Darling.

Is car insurance expensive in Darling?

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

What is the best car insurance in Darling, MS?

The best car insurance company in Darling MS is Direct General Insurance, offering $401 for a six-month policy.