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 $55 per month.

Choncé Maddox
Written byChoncé Maddox
Choncé Maddox
Choncé Maddox
  • 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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Katie Powers
Edited byKatie Powers
Photo of an Insurify author
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.

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Updated May 23, 2024

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Cheapest recent rates near Rock Hill, South Carolina

Drivers using Insurify have found quotes as cheap as $41/mo for liability only and $93/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 May 23, 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 May 23, 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 May 23, 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 May 23, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

In Rock Hill, South Carolina, drivers pay an overall average of $241 per month for car insurance, which is higher than the statewide monthly average of $220. Located on the I-77 corridor, Rock Hill is a 20-minute drive from Charlotte, North Carolina. Its proximity to a large city could contribute to its higher car insurance costs.

Luckily, several quality insurers in the city 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 $188 per month, and full coverage costs $293 per month.

  • Rock Hill drivers pay a yearly average of $3,522 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 CompanyIQ 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.
Full CoverageLiability OnlyBest For
USAA4.7$84$50Cheap rates
State Farm4.6$93$56Young drivers
Auto-Owners4.3$90$54Drivers 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 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for cheap rates: USAA

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.
4.7
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.
$55/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.
$93/mo

USAA has some of the cheapest car insurance in Rock Hill. 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
  • Some of the cheapest rates in Rock Hill

  • 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

Read our USAA review
Billy - May 22, 2024
Verified

USAA

The price became too expensive.

Stephanie - May 22, 2024
Verified

Customer Service Review

The customer service is always professional and helpful. I am thankful for the great people they employ.

Richard - May 21, 2024
Verified

No

Good company.

Best insurer for 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.
4.6
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.
$60/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.
$102/mo

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
  • 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 not available

Read our State Farm review
Shirley - May 22, 2024
Verified

Excellent

I need a discount because I'm a good driver.

Dana - May 22, 2024
Verified

Not Good

I don't drive much, but they keep raising my rate.

George - May 21, 2024
Verified

Still Looking...

Find a company that's cheaper with better benefits.

Best insurer for drivers with speeding tickets: Auto-Owners

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.
4.3
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.
$59/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.
$100/mo

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 more than 48,000 insurance agents

Cons
  • Quotes not available online without using an insurance agent

  • Accident forgiveness not included with basic policy

Read our Auto-Owners review
James - May 14, 2024
Verified

Excellent

I'm quite satisfied, I'm just getting a quote from you.

Charles - May 14, 2024
Verified

Average

They're no different than any other company. They give a good price, then start raising your rates.

Duncan - May 11, 2024
Verified

Price Skyrocketed

They had very competitive pricing until 2024, but not after that.

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 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 $55 per month

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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 $188 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
USAA55
Auto-Owners59
State Farm60
GEICO66
Safeco88
Nationwide90
Allstate94
Travelers102
Midvale Home & Auto117
Progressive121
State Auto124
Direct Auto145
Liberty Mutual162
Dairyland170
The General194
National General199
AssuranceAmerica230
Bristol West231
GAINSCO263
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 $293 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
USAA93
Auto-Owners100
State Farm102
GEICO110
Safeco146
Nationwide151
Allstate160
Travelers172
State Auto181
Progressive193
Midvale Home & Auto203
Direct Auto241
AssuranceAmerica271
Liberty Mutual291
National General292
The General345
Dairyland374
Bristol West400
GAINSCO455
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.

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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.

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    If you have an accident, collision insurance covers damage to your vehicle. It applies even if you cause the accident.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance covers damage to your vehicle from non-collision incidents, including vandalism, theft, severe weather, fire, and more.[5]

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    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.[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 $70 for drivers with an incident

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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. In Rock Hill, the average cost of car insurance with a speeding ticket is $442 per month for full coverage and $284 for liability-only coverage.

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, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
USAA5573
Auto-Owners5979
State Farm6080
GEICO6688
Safeco88119
Nationwide90121
Allstate94125
Travelers102137
Midvale Home & Auto117161
Progressive121162
State Auto124180
Direct Auto145196
Liberty Mutual162238
Dairyland170228
The General194262
National General199292
AssuranceAmerica230314
Bristol West231306
GAINSCO263387
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 $449 and $288, respectively. 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, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
USAA5576
Auto-Owners5981
State Farm6083
GEICO6692
Safeco88118
Nationwide90126
Allstate94130
Travelers102142
Midvale Home & Auto117171
Progressive121170
State Auto124189
Direct Auto145205
Liberty Mutual162244
Dairyland170235
The General194274
National General199274
AssuranceAmerica230319
Bristol West231315
GAINSCO263353
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 Insurance Increase After an Accident? (2024)

How Much Does 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 can remain on your driving record for years and increase your car insurance rates.

Rock Hill drivers with a DUI on their record pay an average of $508 per month for full coverage and $326 for liability-only policies. See average quotes for drivers with a DUI from several Rock Hill insurers below.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
USAA5594
Auto-Owners59101
State Farm60102
GEICO66113
Safeco88150
Nationwide90154
Allstate94160
Travelers102174
Midvale Home & Auto117200
Progressive121206
State Auto124212
Direct Auto145247
Liberty Mutual162276
Dairyland170290
The General194331
National General199340
AssuranceAmerica230392
Bristol West231394
GAINSCO263449
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 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. 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 $228 for full-coverage policies and $146 for liability-only policies. Here are some of the cheapest insurers for Rock Hill seniors.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
USAA7242
Auto-Owners7645
State Farm7645
GEICO8551
Nationwide10965
Safeco11469
Allstate12473
Travelers13177
Progressive13484
State Auto13593
Midvale Home & Auto14986
Direct Auto180108
AssuranceAmerica199169
Liberty Mutual222124
National General227155
The General274154
Dairyland290132
Bristol West311179
GAINSCO360208
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.

In Rock Hill, car insurance rates for teen drivers are priced at $530 for full coverage and $340 for liability only, on average.

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, May 23 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
USAA15591
Auto-Owners173102
GEICO173104
State Farm173102
Nationwide258154
Allstate280165
Safeco306184
Travelers310184
State Auto321220
Progressive350219
Midvale Home & Auto354204
Direct Auto441265
AssuranceAmerica504428
Liberty Mutual543302
National General545372
The General560315
Dairyland629286
Bristol West683394
GAINSCO816472
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 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 $188 per month for liability and $293 for full-coverage car insurance. Statewide, average rates are a bit lower, at $164 per month for liability and $276 for full coverage. And car insurance costs in Rock Hill exceed the national average rates of $104 for liability and $215 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.

CityFull CoverageLiability Only
Charleston$322$207
Columbia$283$178
Greenville$236$165
Lexington$245$158
Myrtle Beach$201$144
North Charleston$356$231
Summerville$329$210
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 $241 per month for car insurance. Specifically, liability-only coverage costs $188 per month, and full coverage is $293 per month, on average. Your premium depends on your driving history, coverage level, vehicle type, age, and more.

  • 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 $55. Auto-Owners and State Farm also offer affordable coverage, with respective monthly liability rates of $59 and $60.

    But the cheapest insurer for you will depend on many 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 4.6 out of 5, an 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 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.

Sources

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

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
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.

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