Cheap Auto Insurance Quotes in Rock Hill, SC (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

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.

Car Insurance in Rock Hill, SC

The average cost of South Carolina car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Rock Hill, SC to find you the cheapest quotes in the area.

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Cheapest Car Insurance in Rock Hill, SC

Here are the cheapest carriers in Rock Hill for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance in Rock Hill, SC

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Rock Hill. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

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Rock Hill, SC Driving Facts

Minimum Car Insurance Requirements in SC

All motor vehicles operated or parked on South Carolina roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability car insurance requirements for private passenger vehicles in South Carolina are as follows:

  • $25,000 per person/$50,000 per accident for Bodily Injury (BI)

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by South Carolina state law are $25,000 for the death or injury of a single victim as a result of a car accident and $50,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 25/50, referring to the dollar limitations of each minimum. If you’re in an accident, liability coverage will cover the cost of a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by South Carolina law.

  • $25,000 per accident for Property Damage (PD)

The state minimum amount of property damage liability coverage required in the state of South Carolina is $25,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

Uninsured and underinsured motorist coverage are required in South Carolina. This coverage protects drivers who might incur damages from an accident caused by an uninsured or underinsured driver. If involved in an accident with an individual without sufficient coverage, insured drivers will still be covered. In South Carolina, the legally required level of Uninsured Motorist coverage is:

  • $25,000 per person/$50,000 per accident for Bodily Injury
  • $25,000 per accident for Property Damage
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Rock Hill, SC DMV Information

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.

Public Transportation in Rock Hill, SC

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.

Conclusion: How to get the best and cheapest car insurance in Rock Hill, SC

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.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Rock Hill stacks up for the state of South Carolina:

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Honda Accord
Most Popular Car in
Rock Hill, SC
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#64
Cities with Most
Suspended Licenses Rank

FAQs - Rock Hill, SC Car Insurance

Do I need collision coverage?

Even if you are carrying your state’s minimum coverage requirements, you aren’t in the clear when it comes to paying for damage to your own vehicle. State-required coverage usually includes only a certain amount of liability insurance. This kind of insurance is meant to protect the other driver and their property. If you get into an accident and it’s your fault, collision coverage is used to pay for your own car repairs.

Do I need underinsured motorist coverage (UIM) in South Carolina?

By law, insurance companies have to offer you underinsured motorist coverage, but you don’t have to take it. This optional insurance protects you if you get into an accident with a driver and their insurance coverage doesn’t cover injuries you or your passengers sustain. You can decline this kind of optional insurance by signing a form with your insurance company.

Does South Carolina offer defensive driving courses?

While some insurance companies will give you discounts for completing defensive driving courses, drivers in this state can use state-approved courses to get points against their driver’s licenses reduced. Though you can take approved courses elsewhere, some defensive driving courses are offered at SCDMV-certified driving schools. Courses must be taken in the state and cannot be completed online.