In Rock Hill, South Carolina, drivers pay an average of $212 per month for liability insurance. The overall average monthly cost of car insurance in Rock Hill is $247 per month, which is 7% below the average cost of $266 for the state of South Carolina. Drivers in the Rock Hill suburb may pay less than people in larger South Carolina cities due to more access to private parking.

Your personal situation and chosen level of coverage will influence which auto insurers offer you the cheapest prices in Rock Hill. Luckily, several quality insurers in the city provide various coverage options at affordable rates.

Quick Facts

On average, full-coverage auto insurance in Rock Hill costs $279 per month.
South Carolina law permits insurers to consider your credit history when determining premiums.
Located on the I-77 corridor, Rock Hill is a 20-minute drive from Charlotte, North Carolina.

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Best 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.

Best insurer for cheap rates: USAA

Cheap RatesUSAA

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IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.	4.3
JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	880
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.	$56/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.	$91/mo

Overview

USAA has the cheapest car insurance rates in Rock Hill, with liability-only coverage starting at $60 per month. The company helps some drivers save even more if they bundle car insurance with property insurance. The company also features discounts for military personnel who drive safely.

USAA only offers car insurance and other insurance products to active, reserve, or retired military members and their immediate families. The company has discounts for military members, especially safe drivers.

Pros and cons

Pros

Cheapest rates overall
Several available discount options

Cons

Must meet military personnel requirements to join
Some discounts, such as the military discount, only apply for full-coverage policies

Reviews

They are the best in customer service.

Brenda - September 13, 2023

Verified

Overall poor service, took a safe driving discount away because I wasn’t driving enough.

Kenneth - September 9, 2023

Verified

Great operation since I was a Lt.

raymond - September 7, 2023

Verified

Read our USAA review

Best insurer for drivers with speeding tickets: Auto-Owners

speeding tickets Auto-Owners

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IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.	4.1
JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	837
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.	$61/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.	$97/mo

Overview

Auto-Owners provides affordable rates for drivers in Rock Hill who have a speeding ticket on their record. While the cheapest liability-only rate through Auto-Owners for drivers with a clean record is $64 per month, the average rate for drivers with a speeding ticket is only $86 per month.

The company also offers discounts for bundling your auto insurance policy with your home insurance or life insurance.

Pros and cons

Pros

Several coverage options, including gap coverage and roadside assistance
Represented by more than 48,000 insurance agents

Cons

Quotes not available online without using an insurance agent
Accident forgiveness not included with basic policy

Reviews

I was pleased with the agent and for years the price, but now they have gotten too expensive for a person on a fixed income.

Mary - August 13, 2023

Verified

I was dropped because of two minor at-fault accidents in two plus years.

Zachary - January 8, 2023

Verified

You can work directly with an agent.

Guy - May 17, 2022

Verified

Read our Auto-Owners review

Best insurer for young drivers: State Farm

Young drivers State Farm

Compare personalized, real-time quotes

IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.	4.4
JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	842
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.	$62/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

Overview

State Farm is a large insurance company that provides many coverage and savings options for young drivers. Young drivers can save up to 25% with a good student discount by reporting their grades. 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 people without a moving violation for three years.

Pros and cons

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 coverage not available
Accident forgiveness not available

Reviews

I feel like I am being way overcharged for my insurance since I have had no accidents or tickets in the last 10 years.

Theresa - September 14, 2023

Verified

I really enjoyed working with them, I just couldn't keep up with the expensive rates.

Becki - September 13, 2023

Verified

I was 5 stars until the recent increase, without any explanation.

Norman - September 13, 2023

Verified

Read our State Farm review

Cheapest liability-only car insurance in Rock Hill

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.^[1]

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. Here are some of the cheapest liability-only car insurance rates in Rock Hill.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.

Insurance Company	Average Monthly Quote
USAA	56
Auto-Owners	61
State Farm	62
GEICO	67
Nationwide	89
Allstate	97
Travelers	105

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

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.^[2]

Here are some insurance companies offering cheap full-coverage auto insurance rates in Rock Hill.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.

Insurance Company	Average Monthly Quote
USAA	91
Auto-Owners	97
State Farm	101
GEICO	108
Nationwide	139
Allstate	157
Travelers	157

Estimate your insurance costs

State

Age

Credit Score

Are you insured

Your estimated deal

*Estimate based on a market average of rates provided to other users like you.

Select discounts that apply to you

I’m a good driver

Save 30%

I’m a homeowner

Save 8%

I’m married

Save 24%

I have multiple cars

Save 39%

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.^[3]

Here are the specific liability requirements for South Carolina drivers.

Coverage	Minimum Requirements
Bodily injury liability	$25,000 per person and $50,000 per accident
Property damage liability	$25,000 per accident
Uninsured motorist bodily injury liability	$25,000 per person and $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
If you have an accident, this covers damage to your vehicle. It applies even if you cause the accident.
Comprehensive
This insurance covers damage to your vehicle from non-collision incidents, including vandalism, theft, severe weather, fire, and more.^[4]
Personal injury protection
Regardless of fault, PIP coverage pays for medical costs for you and your passengers following an accident. It can also cover portions of your lost wages and essential services.
Medical payments
Also known as MedPay, this 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
Specifics vary by company, but this optional 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.^[5]

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.

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Cheapest car insurance for drivers with a speeding ticket

Receiving a speeding ticket can cause your car insurance rates to increase. Here are some average monthly quotes for Rock Hill drivers with a speeding ticket on their record.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.

Insurance Company	Average Monthly Quote
USAA	120
Auto-Owners	131
State Farm	132
GEICO	143
Nationwide	185
Safeco	212
State Auto	280

Cheapest car insurance for drivers with an at-fault accident

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.

The following Rock Hill insurers provide affordable coverage for drivers with an at-fault accident on record.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.

Insurance Company	Average Monthly Quote
USAA	124
Auto-Owners	133
State Farm	136
GEICO	147
Allstate	214
Safeco	224
State Auto	287

How Much Does Insurance Increase After an Accident? (2023)

Cheapest car insurance for drivers with a DUI

Driving under the influence of drugs or alcohol is a serious offense that can remain on your driving record for years and increase your car insurance rates.

See average quotes for drivers with a DUI from several Rock Hill insurers below.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.

Insurance Company	Average Monthly Quote
USAA	148
Auto-Owners	157
State Farm	164
GEICO	175
Safeco	243
Allstate	254
State Auto	310

Cheapest car insurance for seniors

Drivers age 35 and older typically earn insurance rates that decrease over time. But car insurance rates may cost more for seniors than middle-aged drivers because older drivers have a higher crash death rate — potentially due to some physical vulnerabilities that accompany age. However, if you keep a clean driving record, you may not experience a rate increase.^[6]

Some insurance companies also offer discounts to senior drivers, so you should inquire about discounts when comparing quotes. Here are some of the cheapest insurers for Rock Hill seniors.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.

Insurance Company	Average Monthly Quote
State Farm	55
Auto-Owners	56
USAA	56
GEICO	64
Allstate	95
Safeco	109

Cheapest car insurance for teens

Teenagers and drivers younger than 25 typically receive the highest car insurance rates due to less experience driving. 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: Thursday, November 30 at 11:00 AM PST.

Insurance Company	Average Monthly Quote
USAA	151
Auto-Owners	165
GEICO	171
State Farm	173
Safeco	272
Allstate	276
State Auto	346

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. Here are some tips to help you save:

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 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.
Shop around. Shop around and gather quotes from at least three different insurers to make sure you’re getting the best rate.^[7]
Limit how much you drive. “Car insurance rates can also be based on mileage, so the fewer miles you drive annually, the less your can pay for coverage,” says Anthony Verreos, strategic insurance advisor and president of Verreos Insurance.
Increase your deductible. “Choosing a higher deductible for physical damages is another way to save on your car insurance premiums,” says Verreos. “Your premium will typically decrease if you increase your deductible.”

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Rock Hill car insurance quotes by credit tier

South Carolina insurers may consider your credit score when determining your premium. You typically earn better car insurance rates if you have good or excellent credit because insurers view credit 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 $212 per month for liability and $279 for full-coverage car insurance. Statewide, average rates are a bit higher, at $221 per month for liability and $315 for full coverage. And car insurance costs in Rock Hill exceed the national average rates of $170 for liability and $253 for full coverage.

Premiums also vary among different South Carolina cities and ZIP codes, depending on factors like traffic congestion, accident frequency, 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	Average Monthly Quote	Compared to Rock Hill
Charleston	$315	13%
Columbia	$352	26%
Conway	$292	5%
Greenville	$293	5%
Lexington	$309	11%
Myrtle Beach	$285	2%
North Charleston	$306	10%
Summerville	$311	12%

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.

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 $247 per month for car insurance. Specifically, liability-only coverage costs $212 per month, and full coverage is $279 on average. The statewide average is $266 per month ($221 for liability and $315 for full coverage). Your premium depends on your driving history, coverage level, vehicle type, age, and more.
What are the best car insurance companies in Rock Hill?
With an IQ Score of 4.4 out of 5, an A.M. 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 state 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

Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:

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.

More cities in South Carolina

Popular cities

Sources

Insurance Information Institute. "Auto insurance basics—understanding your coverage." Accessed July 5, 2023
National Association of Insurance Commissioners. "What You Should Know About Auto Insurance Coverage." Accessed July 5, 2023
South Carolina Department of Insurance. "Automobile Insurance." Accessed July 5, 2023
Insurance Information Institute. "What is covered by collision and comprehensive auto insurance?." Accessed July 5, 2023
Insurance Information Institute. "What determines the price of an auto insurance policy?." Accessed July 5, 2023
Centers for Disease Control and Prevention. "Older Adult Drivers." Accessed July 5, 2023
Insurance Information Institute. "How to save money on car insurance." Accessed July 5, 2023

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.

Learn More

Edited byKatie PowersAuto and Life Insurance Editor

Katie PowersAuto and Life Insurance Editor

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.

Read Editorial Guidelines

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Table of contentsCompare quotes

Find Car Insurance in Rock Hill

Best car insurance companies in Rock Hill

Best insurer for cheap rates: USAA

Cheap RatesUSAA

Best insurer for drivers with speeding tickets: Auto-Owners

speeding tickets Auto-Owners

Best insurer for young drivers: State Farm

Young drivers State Farm

Cheapest liability-only car insurance in Rock Hill

Cheapest full-coverage car insurance in Rock Hill

Estimate your insurance costs

Select discounts that apply to you

Age

Credit Score

Are you insured

Your estimated deal

Select discounts that apply to you

Car insurance requirements in South Carolina

Collision

Comprehensive

Personal injury protection

Medical payments

Roadside assistance

Cheapest car insurance for drivers with an incident

Find Car Insurance in Rock Hill

Cheapest car insurance for drivers with a speeding ticket

Cheapest car insurance for drivers with an at-fault accident

How Much Does Insurance Increase After an Accident? (2023)

Cheapest car insurance for drivers with a DUI

Cheapest car insurance for seniors

Cheapest car insurance for teens

How to get the cheapest car insurance in Rock Hill

Find Car Insurance in Rock Hill

Rock Hill car insurance quotes by credit tier

Rates by Credit Tier

Is car insurance more expensive in Rock Hill?

More cities in South Carolina

How to Shop for Car Insurance Quotes

Rock Hill car insurance FAQs

Methodology

Related articles

More cities in South Carolina

Popular cities

Sources

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