Cheapest Auto Insurance in Rock Hill, South Carolina (2024)
USAA offers the cheapest car insurance in Rock Hill, with minimum-coverage policies as low as $53 per month.
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Written byChoncé Maddox
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7+ years writing insurance and personal finance content
Certified financial education instructor (CFEI)
Choncé was a licensed life insurance agent before becoming a freelance personal finance writer. She’s passionate about helping people learn to protect themselves with insurance.
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Edited byKatie Powers
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Reviewed byMark Friedlander
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Updated November 20, 2024
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Table of contents
In Rock Hill, South Carolina, drivers pay an overall average of $227 per month for car insurance, which is higher than the statewide monthly average of $224. Located on the I-77 corridor, Rock Hill is a 20-minute drive south of Charlotte, North Carolina.
Rock Hill is one of the largest cities in South Carolina, and its size and proximity to Charlotte could contribute to its higher car insurance costs.
Luckily, several quality insurers in this suburban community provide various coverage options at affordable rates. Here’s what you should know about comparing quotes and finding affordable coverage in Rock Hill.
Quick Facts
USAA, Auto-Owners, and State Farm are three of the cheapest insurers in Rock Hill.
Liability insurance in Rock Hill costs an average of $184 per month, and full coverage costs $270 per month.
Rock Hill drivers pay a yearly average of $3,246 for full-coverage insurance.
3 of the cheapest car insurance companies in Rock Hill
You should compare some of the best options for car insurance in Rock Hill because insurance companies may provide different rates based on your situation. For example, you may receive a cheaper premium if you have a clean driving record.
Here’s a breakdown of some of the cheapest insurance options based on different coverage levels and driving profiles.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| USAA | 9.4 | $91 | $52 | Cheap rates |
| State Farm | 9.3 | $101 | $57 | Young drivers |
| Auto-Owners | 8.5 | $98 | $55 | Drivers with speeding tickets |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for military families: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $53/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $92/mo |
4.9
Best choiceBased on 1602 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (914)
Gloria
November 15, 2024
Verified Review
Not Good for Claims
I have storm damage and the claim process is not satisfactory.
Martin
November 11, 2024
Verified Review
Price Shopping
I have been with USAA for over 60 years. Obviously, I've been very happy. Since I don't drive very far, I have been seeing advertisements for lower prices. However, I have no plans of leaving USAA.
Rena Sabine
November 8, 2024
Verified Review
Disappointing and inflexible service
My experience with this company has been disappointing, especially this second time around. I would suggest considering other options. From my recent interactions, they have been dismissive and argumentative. I have already started finalizing my next premium with another company. I'm perplexed as to how they receive praise when they treat clients in this manner.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA only offers car insurance and other insurance products to active-duty, reserve, or retired military members and their immediate families. The company has some of the cheapest car insurance rates in Rock Hill, and provides discounts for military members, especially safe drivers. Drivers can save even more with USAA by bundling home or renters insurance policies with their auto coverage.
Pros
Some of the cheapest rates in Rock Hill
Several available discount options
Cons
Coverage restricted to members of the military community
Some discounts, such as the military discount, only apply for full-coverage policies
Best insurer for young drivers: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $58/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $101/mo |
4.2
Best choiceBased on 9036 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,969)
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
Ronald
November 18, 2024
Verified Review
Very Expensive Auto and Home
Extremely harsh local service.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm, the largest U.S. auto insurer by market share, provides many coverage and savings options for young drivers. Young drivers can save up to 25% with a good student discount by maintaining a GPA of 3.0 or higher. And the company offers discounts for students who complete a driver education course and college students away from home without their vehicle.
The Steer Clear driving program for drivers younger than 25 provides a discount of up to 15% for policyholders who stay violation-free for three years.
Pros
Several coverage options, including rental car coverage and emergency roadside assistance
Multiple ways for teens and drivers younger than 25 to save
Cons
Gap insurance not available
Accident forgiveness coverage restricted to long-time customers
Best insurer for drivers with speeding tickets: Auto-Owners
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $57/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $98/mo |
4.0
Best choiceBased on 141 verified guest reviews and ratings
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (89)
Debra
November 3, 2024
Verified Review
Excellent
They keep raising prices.
Scotty
November 2, 2024
Verified Review
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
Dana
October 31, 2024
Verified Review
Average
Ask many questions to cover all aspects of the policy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Auto-Owners provides affordable rates for drivers in Rock Hill who have a speeding ticket on their record. The company also offers discounts for bundling your auto insurance policy with your home insurance or life insurance.
Pros
Several coverage options, including gap coverage and roadside assistance
Represented by a national network of more than 48,000 independent insurance agents
Cons
Quotes not available online, and you must purchase coverage through an agent
Just 2.3 stars (out of 5) on Trustpilot
How to get the cheapest car insurance in Rock Hill
Finding the cheapest car insurance for you in Rock Hill depends on different factors, like your age, coverage needs, and driving history. Still, you can do a few things to help lower your insurance costs:
Maintain a clean driving record. Try to avoid any violations, at-fault accidents, and speeding tickets. These increase your risk level with insurers, as well as your rates.
Improve your credit score. Car insurance companies may use your credit history to determine your likelihood of filing an insurance claim. Maintaining a good or excellent credit score can help minimize this risk and earn you lower rates.
Ask about discounts. Insurers typically offer several discount options, including bundling, multi-vehicle, and good driver discounts.
Increase your deductible. Opting for a higher collision or comprehensive deductible can help lower your premiums. Just make sure you can pay the deductible amount out of pocket if you need to file a claim.
Shop around. Shop around and gather quotes from at least three different insurers to make sure you’re getting the best rate.[1]
Find Car Insurance in Rock Hill
Liability rates start at $53 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
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Cheapest liability-only car insurance in Rock Hill: USAA
Liability-only car insurance is usually the cheapest option because it provides the least amount of coverage. Importantly, liability insurance only covers the other party’s vehicle and medical expenses after an accident in which you’re at fault. This insurance won’t cover your medical expenses or physical damage to your vehicle.[2]
You may want liability-only insurance if you drive an older, paid-off vehicle that you can afford to pay out-of-pocket repairs on. In Rock Hill, liability-only coverage averages $184 per month. Here are some of the cheapest liability-only car insurance rates in Rock Hill.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| USAA | $53 |
| Auto-Owners | $57 |
| State Farm | $58 |
| GEICO | $62 |
| Nationwide | $85 |
| Allstate | $90 |
| Safeco | $97 |
| Travelers | $97 |
| Progressive | $104 |
| State Auto | $119 |
| Direct Auto | $154 |
| Dairyland | $165 |
| National General | $165 |
| Liberty Mutual | $187 |
| The General | $193 |
| AssuranceAmerica | $225 |
| Bristol West | $233 |
| GAINSCO | $242 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Rock Hill: USAA
Full-coverage insurance typically includes liability, collision, and comprehensive coverage, which extends coverage to your vehicle following an accident or non-collision incident, regardless of fault. If you lease a car or have a loan, your leasing company or lender may require you to have full-coverage insurance until you complete your payments.[3]
Rock Hill drivers pay a monthly average of $270 for full-coverage policies. Here are some insurance companies offering cheap full-coverage auto insurance rates in Rock Hill.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| USAA | $92 |
| Auto-Owners | $98 |
| State Farm | $101 |
| GEICO | $109 |
| Safeco | $145 |
| Nationwide | $150 |
| Allstate | $159 |
| Progressive | $166 |
| Travelers | $170 |
| Root | $201 |
| State Auto | $207 |
| National General | $248 |
| Direct Auto | $256 |
| AssuranceAmerica | $289 |
| Liberty Mutual | $312 |
| Dairyland | $349 |
| The General | $385 |
| Bristol West | $412 |
| GAINSCO | $433 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Rock Hill, South Carolina
Drivers using Insurify have found quotes as cheap as $61/mo for liability only and $108/mo for full coverage in Rock Hill and other South Carolina cities.
*Quotes generated for Insurify users in and around Rock Hill, South Carolina within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Rock Hill, South Carolina within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in South Carolina
Most states require drivers to have a certain level of liability car insurance coverage. In South Carolina, drivers must carry property damage and bodily injury liability coverage, as well as uninsured motorist insurance equal to the minimum amount of liability coverage.[4]
Here are the specific liability requirements for South Carolina drivers.
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
| Uninsured motorist bodily injury liability | $25,000 per person / $50,000 per accident |
| Uninsured motorist property damage liability | $25,000 per accident |
The right coverage for you depends on your unique needs related to your budget, vehicle type, and desired coverage. It’s a good idea to consider whether you need any of the following optional coverages:
Collision coverage
If you hit another vehicle or a stationary object like a tree or light pole, collision insurance covers damage to your vehicle. It can also pay for damage from a rollover accident or from hitting a pothole.
Comprehensive coverage
Comprehensive insurance covers damage to your vehicle from non-collision incidents, including vandalism, theft, severe weather, fire, and more.[5]
Personal injury protection coverage
Regardless of fault, personal injury protection pays for medical costs for you and your passengers following an accident. It can also cover portions of your lost wages and essential services.
Gap insurance
If you total your car, or it's stolen, your insurance company will pay you the actual cash value (ACV) of your vehicle. Because vehicles depreciate, you may owe more on your financed vehicle than its ACV. Gap insurance, also called guaranteed asset protection coverage, can pay the difference between your vehicle's ACV and loan or lease balance.
Accident forgiveness
An at-fault accident can cause your car insurance rates to increase significantly when your policy renews. But if you buy accident forgiveness coverage, your insurer won't raise your rates after your first at-fault accident. Generally, though, you'll need to have a clean driving record for at least three years to qualify to buy this type of coverage.
Medical payments coverage
Also known as MedPay, medical payments insurance covers medical bills for you and your passengers after an accident, with no deductible required. Drivers typically either purchase PIP coverage or MedPay, but not both.
Roadside assistance coverage
Specifics vary by company, but roadside assistance coverage typically includes roadside towing, lockout service, tire replacement, jump-starts, gas delivery, winching, and more.
Cheapest car insurance for drivers with an incident
Your driving record is a key factor that affects your car insurance rates. At-fault accidents, speeding tickets, and DUIs can all cause your car insurance rates to increase for several years.[6]
Insurers can see recent infractions on your driving record and will typically adjust your premium according to the level of risk you pose of filing an insurance claim. The frequency and severity of your traffic violations influence how much you pay for coverage.
Find Car Insurance in Rock Hill
Monthly rates start at $64 for drivers with an incident
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
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Cheapest car insurance for drivers with a speeding ticket: USAA
Receiving a speeding ticket can cause your car insurance rates to increase for three to five years. In Rock Hill, the average cost of car insurance with a speeding ticket is $364 per month for full coverage and $248 for liability-only coverage.
Here are some average monthly liability-only quotes for Rock Hill drivers with a speeding ticket on their record.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| USAA | $53 | $67 |
| Auto-Owners | $57 | $73 |
| State Farm | $58 | $73 |
| GEICO | $62 | $79 |
| Nationwide | $85 | $109 |
| Allstate | $90 | $114 |
| Safeco | $97 | $125 |
| Travelers | $97 | $125 |
| Progressive | $104 | $131 |
| State Auto | $119 | $163 |
| Direct Auto | $154 | $196 |
| Dairyland | $165 | $210 |
| National General | $165 | $211 |
| Liberty Mutual | $187 | $256 |
| The General | $193 | $250 |
| AssuranceAmerica | $225 | $286 |
| Bristol West | $233 | $298 |
| GAINSCO | $242 | $332 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: USAA
Though no one plans on having an accident, incidents can occur when out on the road. An accident can stay on your driving record for at least three years and increase your insurance rates moving forward.
For Rock Hill drivers with an at-fault accident, the monthly average car insurance costs for full coverage and liability only are $376 and $256, respectively. The following Rock Hill insurers provide affordable liability-only coverage for drivers with an at-fault accident on record.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| USAA | $53 | $71 |
| Auto-Owners | $57 | $76 |
| State Farm | $58 | $77 |
| GEICO | $62 | $83 |
| Nationwide | $85 | $114 |
| Allstate | $90 | $120 |
| Safeco | $97 | $128 |
| Travelers | $97 | $130 |
| Progressive | $104 | $139 |
| State Auto | $119 | $172 |
| Direct Auto | $154 | $210 |
| Dairyland | $165 | $218 |
| National General | $165 | $220 |
| Liberty Mutual | $187 | $266 |
| The General | $193 | $262 |
| AssuranceAmerica | $225 | $293 |
| Bristol West | $233 | $310 |
| GAINSCO | $242 | $308 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
)
How Much Does Car Insurance Increase After an Accident? (2024)
Cheapest car insurance for drivers with a DUI: USAA
Driving under the influence of drugs or alcohol is a serious offense that remains on your driving record permanently in South Carolina. A DUI can increase your insurance rates for several years.
Rock Hill drivers with a DUI on their record pay an average of $430 per month for full coverage and $293 for liability-only policies. See average liability-only quotes for drivers with a DUI from several Rock Hill insurers below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| USAA | $53 | $86 |
| Auto-Owners | $57 | $92 |
| State Farm | $58 | $94 |
| GEICO | $62 | $100 |
| Nationwide | $85 | $138 |
| Allstate | $90 | $146 |
| Safeco | $97 | $146 |
| Travelers | $97 | $157 |
| Progressive | $104 | $169 |
| State Auto | $119 | $193 |
| Direct Auto | $154 | $250 |
| Dairyland | $165 | $267 |
| National General | $165 | $267 |
| Liberty Mutual | $187 | $303 |
| The General | $193 | $313 |
| AssuranceAmerica | $225 | $365 |
| Bristol West | $233 | $378 |
| GAINSCO | $242 | $392 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: USAA
Drivers age 25 and older typically earn insurance rates that decrease over time. But car insurance rates may cost slightly more for seniors than middle-aged drivers due to higher accident risk. But if you keep a clean driving record, you may not experience a rate increase.[7]
Some insurance companies also offer discounts to senior drivers, so you should inquire about discounts when comparing quotes. Rock Hill senior drivers pay a monthly average of $222 for full-coverage policies and $151 for liability-only policies. Here are some of the cheapest insurers for Rock Hill seniors.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| USAA | $73 | $42 |
| Auto-Owners | $77 | $45 |
| State Farm | $78 | $45 |
| GEICO | $87 | $49 |
| Nationwide | $112 | $63 |
| Progressive | $120 | $75 |
| Safeco | $124 | $83 |
| Allstate | $127 | $72 |
| Travelers | $133 | $76 |
| State Auto | $154 | $89 |
| National General | $189 | $126 |
| Direct Auto | $199 | $120 |
| AssuranceAmerica | $218 | $170 |
| Liberty Mutual | $261 | $157 |
| Dairyland | $278 | $131 |
| The General | $311 | $156 |
| Bristol West | $330 | $186 |
| GAINSCO | $362 | $202 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: USAA
Teenagers and drivers younger than 25 typically receive the highest car insurance rates due to less experience driving and higher accident rates.
In Rock Hill, teen drivers who buy their own policies see average rates of $500 for full coverage and $341 for liability only, on average. Teens younger than 18 can't buy their own policy without the written consent of a parent or guardian.
To lower your car insurance premium as a young driver, you should inquire about a safe driver program or good student discounts. You can also typically save by remaining on your parents’ insurance plan, if possible.
Here are some of the cheapest auto insurers for young drivers in Rock Hill.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| USAA | $161 | $93 |
| Auto-Owners | $172 | $100 |
| State Farm | $181 | $104 |
| GEICO | $182 | $104 |
| Nationwide | $273 | $155 |
| Safeco | $290 | $194 |
| Allstate | $296 | $167 |
| Progressive | $304 | $190 |
| Travelers | $321 | $183 |
| State Auto | $383 | $220 |
| Direct Auto | $488 | $293 |
| National General | $507 | $338 |
| AssuranceAmerica | $553 | $430 |
| Liberty Mutual | $559 | $335 |
| Dairyland | $589 | $278 |
| The General | $640 | $321 |
| Bristol West | $725 | $410 |
| GAINSCO | $780 | $436 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Rock Hill car insurance quotes by credit tier
South Carolina insurers may consider your credit history when determining your premium. You typically earn better car insurance rates if you have good or excellent credit because insurers view how you handle your finances as an indicator of risk. You can still find affordable coverage if you have a lower credit score, as insurers consider several other factors when determining your rate.
Here’s what drivers in Rock Hill pay on average each month, based on their credit tier.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Rock Hill?
On average, Rock Hill drivers pay $184 per month for liability and $270 for full-coverage car insurance. Statewide, average rates are a bit lower, at $169 per month for liability and $279 for full coverage. And car insurance costs in Rock Hill exceed the national average rates of $104 for liability and $204 for full coverage.
Premiums also vary among different South Carolina cities and ZIP codes, depending on factors like traffic congestion, accident frequency, vehicle crime rates, and more. The cost of car insurance in Rock Hill is lower than in larger South Carolina cities, like Charleston and Columbia.
More cities in South Carolina
Average car insurance rates in Rock Hill cost less than many other South Carolina cities. Though your insurance rates can vary based on your situation, it’s important to understand how prices can fluctuate based on the city you live in.
City ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Charleston | $314 | $202 |
| Columbia | $304 | $190 |
| Greenville | $269 | $168 |
| Lexington | $262 | $166 |
| Myrtle Beach | $231 | $162 |
| North Charleston | $349 | $217 |
| Summerville | $311 | $206 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Rock Hill car insurance FAQs
It’s important to determine what you value in an auto insurer and how much coverage you need before purchasing car insurance. The information below should help you navigate the process of buying coverage in Rock Hill.
How much is car insurance in Rock Hill?
On average, Rock Hill drivers pay $227 per month for car insurance. Specifically, liability-only coverage costs $184 per month, and full coverage is $270 per month, on average. Your premium depends on your driving history, coverage level, vehicle type, age, and many more rating factors.
Which company has the cheapest car insurance in Rock Hill?
USAA has the cheapest car insurance in Rock Hill, with monthly liability rates as low as $53. Auto-Owners and State Farm also offer affordable coverage, with respective monthly liability rates of $57 and $58.
But the cheapest insurer for you will depend on many individual rating factors, such as your age, ZIP code, the type of car you drive, and the coverage levels you choose.
What are the best car insurance companies in Rock Hill?
With an IQ Score of 9.3 out of 10, an the highest possible AM Best financial strength rating of A++ (Superior), and affordable coverage, State Farm is the best insurance company in Rock Hill. Other top insurers in the Rock Hill include USAA, GEICO, and Travelers.
How much car insurance do you need in South Carolina?
South Carolina drivers need to carry a minimum of $25,000 per person and $50,000 per accident in bodily injury liability and $25,000 per person in property damage liability.
Is South Carolina a no-fault state?
No. South Carolina is an at-fault, or tort, state. This means that at-fault drivers must cover the costs associated with the accident they cause, including for damage and injury they cause the other driver and their passengers.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in South Carolina
Sources
- Insurance Information Institute. "How to save money on car insurance."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- National Association of Insurance Commissioners. "What You Should Know About Auto Insurance Coverage."
- South Carolina Department of Insurance. "Automobile Insurance."
- Insurance Information Institute. "What is covered by collision and comprehensive auto insurance?."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Centers for Disease Control and Prevention. "Older Adult Drivers."
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Choncé Maddox
Choncé Maddox is a Certified Financial Education Instructor (CFEI) and personal finance freelance writer. She graduated from Northern Illinois University with a degree in Journalism and has been covering personal finance topics surrounding saving, debt payoff, credit, and home insurance for seven years. Chonce briefly held a life insurance license in Illinois where she developed a passion for helping people learn how to protect themselves and their property through insurance coverage. Her work has been featured on LendingTree, Business Insider, RateGenius and more.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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