With 66,000 residents, Rock Hill is relatively small compared to its neighbors. While less crowded streets often make for an easier drive, accidents invariably still happen.
And what about that next road trip or commute into Charlotte? Having a good auto insurance policy in place is one way Rock Hill residents can stay protected wherever they are.
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All motor vehicles operated or parked on South Carolina roadways are required to be insured.
Bodily injury liability coverage
property damage liability coverage
At $503 per month, many teens will struggle to get good grades and pay their car insurance premiums. For South Carolinians, more driving experience translates into cheaper prices. Young adults in their 20s see the pressure ease up by over $125 per month. From there, the rates continue to go down below the $311 state average for everyone except those in their 40s. In their 50s and 80s, drivers get the best deal and pay less than half of what teens shell out.
|Failure to Stop for Red Light / Stop Sign||$451|
In the Palmetto State, safe driving saves lives and money, too. Insurance companies like the idea and grant the “good driver” and “accident-free” discounts to those with clean records. An at-fault fender bender ends the good fortune and pops the rate up by over $70 per month. But even worse is a failure-to-stop ticket, which kicks the price up $149. But there’s good news for those patient and careful drivers. Just three years of clean driving history, and the accidents and tickets stop affecting insurance premiums.
Many Rock Hill residents scratch their heads about just how credit factors in their ability to drive. But the state’s insurance companies paint a different picture, and South Carolina says it’s perfectly legal to use credit as a factor when setting rates. Generally, those with worse credit pay most for car insurance, but why do those with poor credit pay the least? Often, those with better credit can finance costlier cars and buy more coverage to protect their assets. That said, a move from average credit to excellent credit saves over $50 per month, a $600 per year price break.
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Though you can still find a warm body to talk to inside any South Carolina DMV office, South Carolina’s DMV website is one of the easiest to use out there and could save you a lot of time and frustration. To get around online, you can start at the top with the kind of vehicle you drive or jump down to a section defining who you are—whether you are moving to the state, a person with a disability, in the military, or looking to schedule an appointment. It doesn’t matter where you start; in just a few clicks, this sweet site will get you to the right place.
Getting around Rock Hill and beyond without wheels isn’t impossible if you know where to look. Want to get out of town? The Charlotte Area Transit System 82X Route offers express bus service from downtown Rock Hill to uptown Charlotte. Residents traveling to destinations within city limits can access MyRide Rock Hill. This free, fixed-route bus system includes state-of-the-art amenities for riders of all ages, including free Wi-Fi, mobile charging ports, and infotainment screens. Though all of these blue buses are all ADA-compliant, residents who need more can call on York County Access for specialty transportation services.
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Rock Hill drivers measure up to their fellow South Carolina motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Rock Hill drivers rank 25 in the number of car accidents per driver across all cities in South Carolina.
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in South Carolina, Rock Hill drivers rank 29 in the number of speeding infractions per driver.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Rock Hill drivers rank 26 in the number of DUI’s per driver across all cities in South Carolina.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in South Carolina, Rock Hill drivers rank 29 in rude driving infractions.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Rock Hill drivers rank 17 in clean driving records across all cities in South Carolina.
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Rock Hill drivers rank 24 in failure to yield violations per driver across all cities in South Carolina.
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in South Carolina, Rock Hill drivers rank 2 in the number of reckless driving offenses per driver.
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Rock Hill is the Honda Accord.
While day-trippers often exit the city to explore busier towns like Charlotte, Rock Hill has a flavor all its own just waiting to be experienced.
Glencairn Gardens, Fountain Park, and the Main Street Children’s Museum are all unique stops that shouldn’t be missed. Driving within or beyond Rock Hill city limits? Let Insurify be your “home base” for getting your unique auto insurance needs taken care of quickly—at a price you can be happy about.
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.