Cheapest Auto Insurance in Rock Hill, South Carolina (2024)

In Rock Hill, South Carolina, drivers pay an overall average of $243 per month for car insurance, which is higher than the statewide monthly average of $217. 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.

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.

Best insurer for cheap rates: USAA

Best insurer for young drivers: State Farm

Best insurer for drivers with speeding tickets: Auto-Owners

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]

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Liability rates start at $57 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 $193 per month. Here are some of the cheapest liability-only car insurance rates in Rock Hill.

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 $294 for full-coverage policies. Here are some insurance companies offering cheap full-coverage auto insurance rates in Rock Hill.

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.

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:

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  Collision coverage

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

• 

  Comprehensive coverage

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

• 

  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.

• 

  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.

• 

  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.

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Monthly rates start at $72 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 $444 per month for full coverage and $292 for liability-only coverage.

Here are some average monthly quotes for Rock Hill drivers with a speeding ticket on their record.

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 $448 and $294, respectively. The following Rock Hill insurers provide affordable coverage for drivers with an at-fault accident on record.

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 $507 per month for full coverage and $333 for liability-only policies. See average quotes for drivers with a DUI from several Rock Hill insurers below.

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 $227 for full-coverage policies and $149 for liability-only policies. Here are some of the cheapest insurers for Rock Hill seniors.

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 $533 for full coverage and $350 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.

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.

Is car insurance more expensive in Rock Hill?

On average, Rock Hill drivers pay $193 per month for liability and $294 for full-coverage car insurance. Statewide, average rates are a bit lower, at $164 per month for liability and $271 for full coverage. And car insurance costs in Rock Hill exceed the national average rates of $104 for liability and $214 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.

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