Cheap Auto Insurance Quotes in Rock Hill, SC (January 2022)

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Last Updated: January 2022

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.
Direct AutoState FarmProgressiveNationwideAmerican Family

Cheapest Car Insurance in Rock Hill, SC

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

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 company reviews. The following are the top rated companies 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

Rock Hill Car Insurance Rates by Driver Age

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.

Driving History
No Violation$291
Speeding Ticket$319
At-Fault Accident$371
Failure to Stop for Red Light / Stop Sign$451

Rock Hill Car Insurance Rates by Driving and Accident History

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.

Rock Hill Car Insurance Rates by Credit Tier

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.

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.

Find local Rock Hill agents

Correll Ins Group 
319 Oakland Ave, Rock Hill, SC 29730
Wiley Insurance Services INC 
1729 Celanese Rd, Rock Hill, SC 29732
Melton Insurance LLC 
1032 W Oakland Ave., Rock Hill, SC 29732
Gill Insurance Agency 
235 Oakland Ave, Rock Hill, SC 29730-4021
Sturgis Beaty Insurance Group LLC 
454 Anderson Rd S, Rock Hill, SC 29730-3392
Insure Insurance LLC 
1703 Cherry Rd, Rock Hill, SC 29732
James Strickland Ins Agency, LLC 
156 E Main St., Rock Hill, SC 29730
Crosswinds Insurance Agency 
331 E Main St Ste 200, Rock Hill, SC 29730
Morfin Insurance 
214 Rolling Ridge Rd., Rock Hill, SC 29730-6125
Peoples First Insurance 
466 Hood Center Dr, Rock Hill, SC 29730

Insurify Insights: How Rock Hill Drivers Measure Up

Honda Accord
Most Popular Car in
Rock Hill, SC
suspended licenses
Cities with Most
Suspended Licenses Rank

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.

Accidents in Rock Hill

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.

  • Rank within state: #25
  • Percent of drivers in Rock Hill with an accident: 14.33%
  • Drivers in Rock Hill, SC with an accident in their driving history paid on average 42.62% more than drivers with a clean record

Speeding in Rock Hill

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.

  • Rank within state: #29
  • Percent of drivers in Rock Hill with a speeding ticket: 14.14%
  • Drivers in Rock Hill, SC with a speeding ticket in their driving history paid on average 34.6% more than drivers with a clean record

DUI/DWIs in Rock Hill

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.

  • Rank within state: #26
  • Percent of drivers in Rock Hill with a DUI: 1.43%
  • Drivers in Rock Hill, SC with a DUI in their driving history paid on average 7.17% more than drivers with a clean record

Rude in Rock Hill

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.

  • Rank within state: #29
  • Percent of drivers in Rock Hill with a reckless driving violation: 1.12%
  • Drivers in Rock Hill, SC with a reckless driving violation in their driving history paid on average 39.24% more than drivers with a clean record.

Safest Drivers in Rock Hill

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.

  • Rank within state: #17
  • Percent of drivers in Rock Hill with clean record: 74.88%

Failure to Yield the Right of Way in Rock Hill

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.

  • Rank within state: #24
  • Percent of drivers in Rock Hill with a failure to yield violation: 0.25%
  • Drivers in Rock Hill, SC with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers in Rock Hill

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.

  • Rank within state: #2
  • Percent of drivers in Rock Hill with a reckless driving offense: 0.5%

Most Popular Vehicle in Rock Hill

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.

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.

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.


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.

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