Cheapest Auto Insurance in Rock Hill, South Carolina (2026)
USAA offers the cheapest car insurance in Rock Hill, with minimum-coverage policies as low as $68 per month.
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Choncé Maddox
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Table of contents
In Rock Hill, South Carolina, drivers pay an overall average of $195 per month for car insurance, which is higher than the statewide monthly average of $192. 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.
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 $155 per month, and full coverage costs $236 per month.
Rock Hill drivers pay a yearly average of $2,830 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 Company  | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| USAA | 9.1 | $108 | $70 | Cheap rates |
| State Farm | 9.3 | $120 | $77 | Young drivers |
| Auto-Owners | 8.2 | $116 | $75 | Drivers with speeding tickets |
Disclaimer: Table data sourced from real-time Rock Hill car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Rock Hill may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 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. The team weighted criteria 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 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses 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 55,000 customer reviews across 155 car insurance companies. We also consider 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 U.S., 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 scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for military families: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| 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. | $68/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. | $111/mo |
4.9
Best choice in Rock Hill, SCBased on 3,322 verified driver reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best in Rock Hill for
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best in Rock Hill for
Members of the military community
Outstanding customer service
Competitive rates
Showing 17 South Carolina reviews for Rock Hill drivers - See all 1,518 USAA reviews
Napoleon
Verified Review
USAA Praise Review
Reviewed in South Carolina on February 28, 2026
I've been with USAA for many years. I have no complaints. They handle claims quickly and are very easy to work with. I highly recommend them to my friends and family. Thank you, USAA.
Paul
Verified Review
Great claims handling
Reviewed in South Carolina on February 20, 2026
Whether it was an accident or a window replacement, the claim was handled very quickly and with no delay.
James
Verified Review
USAA OK!
Reviewed in South Carolina on January 14, 2026
USAA treats members fairly and respectfully.
Lewis
Verified Review
Watch your rates, they will double them for no reason.
Reviewed in South Carolina on January 13, 2026
Keep a close eye on them; they will steadily increase your prices. They doubled mine in 6 months, with no accidents or tickets.
Kelly
Verified Review
USAA has dropped off
Reviewed in South Carolina on January 13, 2026
USAA offers any coverage you could ask for. However, don’t expect them to handle claims efficiently. I'm sitting on one claim that’s just gotten to arbitration after 2 years.
Chris
Verified Review
USS-No way
Reviewed in South Carolina on December 14, 2025
Paying almost twice as much as other companies. I think they're punishing me for an accident where I was hit by a drunk driver and could have died. The car was totaled.
Fred
Verified Review
USAA lied about coverage
Reviewed in South Carolina on November 1, 2025
I've had USAA for 6 months. I was told an accident I had 3 years ago would be off my record by the time it renewed. I called back when I found out it did not and would not be for 2 more years. I was also told that the mileage tracker was just like a game and they knew nothing about my total mileage. Now I just don't trust anything they say!
Edward
Verified Review
USAA
Reviewed in South Carolina on October 27, 2025
It's too high.
Sandra
Verified Review
Not happy with Policy costs, Auto, Renters, Umbrella
Reviewed in South Carolina on October 25, 2025
I have been with USAA for years and the cost is very high compared to others. I am seriously thinking of changing.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA only offers car insurance and other insurance products to active-duty, reserve, or retired military members and their immediate families. The company has some of the cheapest car insurance rates in Rock Hill, and provides discounts for military members, especially safe drivers. Drivers can save even more with USAA by bundling home or renters insurance policies with their auto coverage.
Pros
Some of the cheapest rates in Rock Hill
Several available discount options
Cons
Coverage restricted to members of the military community
Some discounts, such as the military discount, only apply for full-coverage policies
Best insurer for young drivers: State Farm
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| 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. | $75/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. | $123/mo |
4.0
Best choice in Rock Hill, SCBased on 16,576 verified driver reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Rock Hill for
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Rock Hill for
Customer service
Competitive rates
Discounts for safe drivers
Showing 43 South Carolina reviews for Rock Hill drivers - See all 7,303 State Farm reviews
Harriett
Verified Review
Coverage Issues
Reviewed in South Carolina on March 31, 2026
They claim you don't have the coverages you paid for when you're in an accident. They like to say that full coverage isn't a thing, yet when making the policy, it is.
Cheryl
Verified Review
Disappointed I Got Dropped
Reviewed in South Carolina on March 25, 2026
They just dropped me as of the May 30, 2026 renewal period.
Justin
Verified Review
Good and Fair
Reviewed in South Carolina on March 22, 2026
Needs to have more discounts for having a policy with them, safe driving, and for a clean driving record.
Freddie
Verified Review
I think I can beat their price.
Reviewed in South Carolina on March 16, 2026
Customer service is excellent. I think their price is high.
Gary
Verified Review
They misinformed us about the homeowners insurance, saying we would have to renew the policy every year. I called and asked if our insurance was okay, and the guy I spoke with said it was fine. Our heat pump caught on fire due to a power surge, and when we filed a claim a few days later, the adjuster called and said we no longer had insurance. Apparently, it was canceled on February 14th. We tried to go in person to fix it, but our agent was out, so another guy was working on it and said he was trying to get ahold of Dover Insurance. We never heard from him. We called the next day, but the agent was busy. The receptionist said she would have him call in a few minutes, and he finally called back at 3:40. By this point, we found car and homeowners insurance elsewhere, and it was significantly cheaper. They were totally useless when we were trying to get the insurance reinstated. Oh, and because it was canceled, it was going to be a huge price to get it back. State Farm totally and completely dropped the ball. Very disappointed with that agency.
Reviewed in South Carolina on March 5, 2026
They misinformed us about the homeowners insurance, saying we would have to renew the policy every year. I called and asked if our insurance was okay, and the guy I spoke with said it was fine. Our heat pump caught on fire due to a power surge, and when we filed a claim a few days later, the adjuster called and said we no longer had insurance. Apparently, it was canceled on February 14th. We tried to go in person to fix it, but our agent was out, so another guy was working on it and said he was trying to get ahold of Dover Insurance. We never heard from him. We called the next day, but the agent was busy. The receptionist said she would have him call in a few minutes, and he finally called back at 3:40. By this point, we found car and homeowners insurance elsewhere, and it was significantly cheaper. They were totally useless when we were trying to get the insurance reinstated. Oh, and because it was canceled, it was going to be a huge price to get it back. State Farm totally and completely dropped the ball. Very disappointed with that agency.
Robert
Verified Review
Average
Reviewed in South Carolina on February 28, 2026
They consistently increase rates.
Sheila
Verified Review
State Farm Insurance Not Worth the Cost
Reviewed in South Carolina on February 26, 2026
Very expensive and keeps going up in price, not worth it. Roadside assistance is also very expensive. You can't use the tow service because it only covers 10 miles, and then it's $200 for a tow after that. Overall, very much not worth it. I'm not happy with this company at all.
Barbara
Verified Review
Totally Disappointed
Reviewed in South Carolina on February 21, 2026
Just be aware that if you have claims beyond your control, they will non-renew your policy.
Shirley
Verified Review
I had a very good experience with them until my niece joined. She had too many accidents, so they discontinued my insurance. Same household, same insurance.
Reviewed in South Carolina on February 16, 2026
I had a very good experience with them until my niece joined. She had too many accidents, so they discontinued my insurance. Same household, same insurance.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm, the largest U.S. auto insurer by market share, provides many coverage and savings options for young drivers. Young drivers can save up to 25% with a good student discount by maintaining a GPA of 3.0 or higher. 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 policyholders who stay violation-free 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 coverage restricted to long-time customers
Best insurer for drivers with speeding tickets: Auto-Owners
| User Reviews | 4.3 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2 /10 |
| 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. | $73/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. | $119/mo |
4.3
Best choice in Rock Hill, SCBased on 323 verified driver reviews and ratings
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best in Rock Hill for
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best in Rock Hill for
Cheap rates
Senior drivers
Ample discounts
Showing 4 South Carolina reviews for Rock Hill drivers - See all 148 Auto-Owners reviews
Warren
Verified Review
Punishment for 65+ years of no problems.
Reviewed in South Carolina on February 1, 2026
I have been licensed since two weeks before my 14th birthday, in other words, 65+ years. I had 2 tickets and 1 accident (that was in July 2024). It cost me a $25 fine and no points, yet my rate increased by 60%. This was the only claim against me over the years. I don't drive much, about 10,000 miles a year if that much, and yet I'm being punished for years of no problems. BTW, the patrolman questioned the ability of the on-lookers of the accident.
Mike
Verified Review
Solid car insurance company
Reviewed in South Carolina on December 22, 2025
They're very easy to talk to and will walk you through anything you need.
Michael
Verified Review
Best Kept Secret!
Reviewed in South Carolina on September 22, 2025
Fast claim response. Very courteous and professional. For what I need, no other company comes close in price for the last 10+ years.
Wilmer
Verified Review
Excellent company, but I saved a considerable amount of money by switching to another company. I like Auto-Owners!
Reviewed in South Carolina on April 12, 2025
Excellent company, but I saved a considerable amount of money by switching to another company. I like Auto-Owners!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
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 a national network of more than 48,000 independent insurance agents
Cons
Quotes not available online, and you must purchase coverage through an agent
Just 2.3 stars (out of 5) on Trustpilot
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.[1]
Find Car Insurance in Rock Hill
Liability rates start at $68 per month
Excellent
4.7 out of 5 based on 13,063 reviews
Secure. Free. Easy-to-use.
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 $155 per month. Here are some of the cheapest liability-only car insurance rates in Rock Hill.
The below rates in Rock Hill, SC, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $68 |
| Auto-Owners | $73 |
| State Farm | $75 |
| GEICO | $104 |
| Nationwide | $109 |
| Allstate | $116 |
| Travelers | $125 |
| Progressive | $129 |
| Safeco | $137 |
| State Auto | $152 |
| National General | $156 |
| Root | $156 |
| Direct Auto | $164 |
| Dairyland | $173 |
| The General | $180 |
| Liberty Mutual | $183 |
| GAINSCO | $184 |
| AssuranceAmerica | $193 |
| First Acceptance | $210 |
| Bristol West | $251 |
Disclaimer: Table data sourced from real-time Rock Hill car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Rock Hill 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 $236 for full-coverage policies. Here are some insurance companies offering cheap full-coverage auto insurance rates in Rock Hill.
The below rates in Rock Hill, SC, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $111 |
| Auto-Owners | $119 |
| State Farm | $123 |
| GEICO | $162 |
| Safeco | $175 |
| Nationwide | $181 |
| Allstate | $192 |
| Progressive | $194 |
| Travelers | $206 |
| Root | $232 |
| National General | $233 |
| Direct Auto | $234 |
| State Auto | $251 |
| AssuranceAmerica | $272 |
| Liberty Mutual | $293 |
| First Acceptance | $331 |
| GAINSCO | $343 |
| Dairyland | $358 |
| The General | $384 |
| Bristol West | $419 |
Disclaimer: Table data sourced from real-time Rock Hill car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Rock Hill may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Rock Hill, South Carolina
Recent Rock Hill, South Carolina car insurance prices for GMC, Toyota, Lexus , and more.
*Quotes generated for Insurify users in and around Rock Hill, South Carolina within the last 10 days. Last updated on March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 March 31, 2026. 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 March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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.
Coverage | Minimum 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:
Collision coverage
If you hit another vehicle or a stationary object like a tree or light pole, collision insurance covers damage to your vehicle. It can also pay for damage from a rollover accident or from hitting a pothole.
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.
Gap insurance
If you total your car, or it's stolen, your insurance company will pay you the actual cash value (ACV) of your vehicle. Because vehicles depreciate, you may owe more on your financed vehicle than its ACV. Gap insurance, also called guaranteed asset protection coverage, can pay the difference between your vehicle's ACV and loan or lease balance.
Accident forgiveness
An at-fault accident can cause your car insurance rates to increase significantly when your policy renews. But if you buy accident forgiveness coverage, your insurer won't raise your rates after your first at-fault accident. Generally, though, you'll need to have a clean driving record for at least three years to qualify to buy this type of coverage.
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 for several years.[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 $85 for drivers with an incident
Excellent
4.7 out of 5 based on 13,063 reviews
Secure. Free. Easy-to-use.
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 $281 per month for full coverage and $184 for liability-only coverage.
Here are some average monthly liability-only quotes for Rock Hill drivers with a speeding ticket on their record.
The below rates in Rock Hill, SC, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| USAA | $68 | $86 |
| Auto-Owners | $73 | $93 |
| State Farm | $75 | $93 |
| GEICO | $104 | $133 |
| Nationwide | $109 | $138 |
| Allstate | $116 | $147 |
| Travelers | $125 | $158 |
| Progressive | $129 | $153 |
| Safeco | $137 | $176 |
| State Auto | $152 | $198 |
| National General | $156 | $189 |
| Root | $156 | $203 |
| Direct Auto | $164 | $200 |
| Dairyland | $173 | $211 |
| The General | $180 | $235 |
| Liberty Mutual | $183 | $227 |
| GAINSCO | $184 | $214 |
| AssuranceAmerica | $193 | $239 |
| First Acceptance | $210 | $250 |
| Bristol West | $251 | $308 |
Disclaimer: Table data sourced from real-time Rock Hill car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Rock Hill 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 $300 and $197, respectively. The following Rock Hill insurers provide affordable liability-only coverage for drivers with an at-fault accident on record.
The below rates in Rock Hill, SC, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| USAA | $68 | $89 |
| Auto-Owners | $73 | $95 |
| State Farm | $75 | $97 |
| GEICO | $104 | $133 |
| Nationwide | $109 | $144 |
| Allstate | $116 | $152 |
| Travelers | $125 | $165 |
| Progressive | $129 | $164 |
| Safeco | $137 | $188 |
| State Auto | $152 | $203 |
| National General | $156 | $203 |
| Root | $156 | $204 |
| Direct Auto | $164 | $219 |
| Dairyland | $173 | $225 |
| The General | $180 | $243 |
| Liberty Mutual | $183 | $239 |
| GAINSCO | $184 | $231 |
| AssuranceAmerica | $193 | $252 |
| First Acceptance | $210 | $267 |
| Bristol West | $251 | $324 |
Disclaimer: Table data sourced from real-time Rock Hill car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Rock Hill may vary based on the policy buyer's unique driver profile.
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How Much Does Car Insurance Increase After an Accident? (2026)
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 $380 per month for full coverage and $250 for liability-only policies. See average liability-only quotes for drivers with a DUI from several Rock Hill insurers below.
The below rates in Rock Hill, SC, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| USAA | $68 | $105 |
| Auto-Owners | $73 | $113 |
| State Farm | $75 | $116 |
| GEICO | $104 | $159 |
| Nationwide | $109 | $169 |
| Allstate | $116 | $180 |
| Travelers | $125 | $194 |
| Progressive | $129 | $208 |
| Safeco | $137 | $225 |
| State Auto | $152 | $221 |
| National General | $156 | $242 |
| Root | $156 | $242 |
| Direct Auto | $164 | $254 |
| Dairyland | $173 | $268 |
| The General | $180 | $279 |
| Liberty Mutual | $183 | $283 |
| GAINSCO | $184 | $285 |
| AssuranceAmerica | $193 | $299 |
| First Acceptance | $210 | $338 |
| Bristol West | $251 | $389 |
Disclaimer: Table data sourced from real-time Rock Hill car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Rock Hill may vary based on the policy buyer's unique driver profile.
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.[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 $208 for full-coverage policies and $136 for liability-only policies. Here are some of the cheapest insurers for Rock Hill seniors.
The below rates in Rock Hill, SC, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| USAA | $91 | $56 |
| Auto-Owners | $95 | $58 |
| State Farm | $98 | $60 |
| GEICO | $130 | $83 |
| Nationwide | $140 | $84 |
| Safeco | $154 | $121 |
| Allstate | $157 | $95 |
| Travelers | $166 | $101 |
| Progressive | $171 | $113 |
| National General | $185 | $124 |
| Direct Auto | $191 | $134 |
| State Auto | $192 | $117 |
| Root | $196 | $132 |
| AssuranceAmerica | $215 | $152 |
| Liberty Mutual | $247 | $154 |
| First Acceptance | $291 | $185 |
| GAINSCO | $294 | $158 |
| Dairyland | $305 | $148 |
| The General | $326 | $153 |
| Bristol West | $352 | $211 |
Disclaimer: Table data sourced from real-time Rock Hill car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Rock Hill 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 and higher accident rates.
In Rock Hill, teen drivers who buy their own policies see average rates of $437 for full coverage and $287 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.
The below rates in Rock Hill, SC, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| USAA | $208 | $127 |
| State Farm | $241 | $147 |
| Auto-Owners | $242 | $148 |
| GEICO | $293 | $188 |
| Safeco | $356 | $279 |
| Nationwide | $358 | $215 |
| Progressive | $360 | $239 |
| Allstate | $384 | $232 |
| Root | $405 | $272 |
| Travelers | $432 | $262 |
| Direct Auto | $455 | $319 |
| National General | $477 | $319 |
| Liberty Mutual | $522 | $326 |
| AssuranceAmerica | $570 | $405 |
| First Acceptance | $614 | $389 |
| State Auto | $616 | $373 |
| Dairyland | $621 | $300 |
| GAINSCO | $633 | $339 |
| The General | $680 | $319 |
| Bristol West | $756 | $453 |
Disclaimer: Table data sourced from real-time Rock Hill car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Rock Hill 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 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.
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 $155 per month for liability and $236 for full-coverage car insurance. Statewide, average rates are a bit lower, at $157 per month for liability and $227 for full coverage. And car insurance costs in Rock Hill exceed the national average rates of $99 for liability and $173 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.
City | Full Coverage | Liability Only |
|---|---|---|
| Charleston | $260 | $181 |
| Columbia | $262 | $173 |
| Greenville | $220 | $154 |
| Lexington | $235 | $147 |
| Myrtle Beach | $220 | $157 |
| North Charleston | $271 | $200 |
| Summerville | $264 | $181 |
Disclaimer: Table data sourced from real-time Rock Hill car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Rock Hill 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 $195 per month for car insurance. Specifically, liability-only coverage costs $155 per month, and full coverage is $236 per month, on average. Your premium depends on your driving history, coverage level, vehicle type, age, and many more rating factors.
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 $68. Auto-Owners and State Farm also offer affordable coverage, with respective monthly liability rates of $73 and $75.
But the cheapest insurer for you will depend on many individual rating 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 9.3 out of 10, an the highest possible 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 Rock Hill 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 190 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 500+ 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
- 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.
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Sources
- Insurance Information Institute. "How to save money on car insurance."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- National Association of Insurance Commissioners. "What You Should Know About Auto Insurance Coverage."
- South Carolina Department of Insurance. "Automobile Insurance."
- Insurance Information Institute. "What is covered by collision and comprehensive auto insurance?."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Centers for Disease Control and Prevention. "Older Adult Drivers."
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Written byChoncé 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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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.
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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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Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.