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How much is car insurance in Rock Hill?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that the average monthly price in Rock Hill is in line with pricing for the rest of South Carolina.
Drivers relocating the Rock Hill should take note of the differences in average rates. It's about $18 more for coverage in Rock Hill than in the rest of the U.S.
While these are the average car insurance rates for Rock Hill, keep in mind that you could end up paying a different amount. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've analyzed the average rate for Rock Hill and broken down the different factors to help you understand what exactly you might be asked to pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the more experience you have as a driver. When it comes to auto insurance rates, that experience pays off. In this case, 18-24-year-olds pay $81 more than drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. You may see your rates climb back up once you hit retirement age in Rock Hill.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. This is true in Rock Hill, where women pay around $9 less per month. As you can see in the table above, male drivers in the area typically pay $103 on average, while female drivers typically pay $94 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Those with clean records will obviously pay a lot less than those with infractions. In Rock Hill, a driving record with a single accident will usually get you a rate around $139 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $174.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$107|
|15 Years or Older||$96|
According to the first table above, the cheapest vehicles to insure in Rock Hill are typically trucks and vans, at $81 per month.
Car owners will see a monthly bill of about $100, while SUV owners usually pay around $97 a month.
You can also expect to see slightly different rates depending on how old your vehicle is. Overall, newer vehicles are going to cost the most to insure. However, your rates may start to drop back down once your car is about 5 years old. In Rock Hill, for example, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$105|
On average, people who are married will pay slightly less to insure their vehicle. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
In Rock Hill, the difference in rates based on relationship status can be as much as $22 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$118|
Another factor that comes into play is your housing situation. If you rent your home or apartment in Rock Hill, expect to pay around $14 a month more than if you own property. But those who live at home with their parents can expect to pay significantly more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average costs.
Car Insurance Companies in Rock Hill, SC
Recent trends in car insurance for Rock Hill drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when deciding when and where to shop.
In Rock Hill, the rates for car insurance decreased from 2016-2017, before rising from 2018-2020. They finished down in 2021 at $139.
How does Rock Hill compare to neighboring areas?
Why are car insurance rates in Rock Hill different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you park your car. These include things like:
- Local crime rates
- Total number of drivers in the community
- Road Safety (frequency of car accidents)
- Area regulations
- Amount of off-street parking
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Rock Hill?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Good news! Compare.com will handle the heavy lifting for you. Simply enter your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies providing plans in Rock Hill.
Rock Hill Insurance FAQs
What factors affect car insurance quotes in Rock Hill?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Rock Hill different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Rock Hill?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Rock Hill?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Rock Hill or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.