Cheapest Auto Insurance in Rock Hill, South Carolina (2025)
USAA offers the cheapest car insurance in Rock Hill, with minimum-coverage policies as low as $66 per month.
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In Rock Hill, South Carolina, drivers pay an overall average of $215 per month for car insurance, which is higher than the statewide monthly average of $206. Located on the I-77 corridor, Rock Hill is a 20-minute drive south of Charlotte, North Carolina.
Rock Hill is one of the largest cities in South Carolina, and its size and proximity to Charlotte could contribute to its higher car insurance costs.
Luckily, several quality insurers in this suburban community 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 military families: 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 collision or comprehensive 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.7
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.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. In Rock Hill, liability-only coverage averages $180 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.2
Rock Hill drivers pay a monthly average of $249 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.3
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:
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 for several years.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.
Cheapest car insurance for drivers with a speeding ticket: USAA
Receiving a speeding ticket can cause your car insurance rates to increase for three to five years. In Rock Hill, the average cost of car insurance with a speeding ticket is $296 per month for full coverage and $214 for liability-only coverage.
Here are some average monthly liability-only 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 $314 and $227, respectively. The following Rock Hill insurers provide affordable liability-only 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 remains on your driving record permanently in South Carolina. A DUI can increase your insurance rates for several years.
Rock Hill drivers with a DUI on their record pay an average of $312 per month for full coverage and $226 for liability-only policies. See average liability-only quotes for drivers with a DUI from several Rock Hill insurers below.
Cheapest car insurance for seniors: USAA
Drivers age 25 and older typically earn insurance rates that decrease over time. But car insurance rates may cost slightly more for seniors than middle-aged drivers due to higher accident risk. But 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. Rock Hill senior drivers pay a monthly average of $216 for full-coverage policies and $156 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 and higher accident rates.
In Rock Hill, teen drivers who buy their own policies see average rates of $499 for full coverage and $361 for liability only, on average. Teens younger than 18 can't buy their own policy without the written consent of a parent or guardian.
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 how you handle your finances 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 $180 per month for liability and $249 for full-coverage car insurance. Statewide, average rates are a bit lower, at $170 per month for liability and $242 for full coverage. And car insurance costs in Rock Hill exceed the national average rates of $104 for liability and $184 for full coverage.
Premiums also vary among different South Carolina cities and ZIP codes, depending on factors like traffic congestion, accident frequency, vehicle 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.