Rock Hill, SC Car Insurance

On average, drivers in Rock Hill pay around $106 per month for their car insurance. To learn more about what you're likely to pay in the Rock Hill area, read our guide below.
How does Rock Hill compare to the surrounding area and the rest of South Carolina? What rates should residents of Rock Hill expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Rock Hill?

Area Average Monthly Car Insurance Premium
Rock Hill$106
SC$104
United States$81

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.

Similarly, drivers in Rock Hill may pay higher rates than the rest of the country. Coverage in Rock Hill is about $25 more expensive than it is for the rest of the U.S.

While these numbers represent the average monthly payments for coverage in Rock Hill, that doesn't mean it's what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Your policy's monthly price 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 your monthly bill might look like. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$170
25-34$99
35-44$93
45-54$80
55-64$72
65+$76

The older you are, the more experience you're likely to have on the roads, right? When it comes to car insurance rates, that experience can really pay off. In this case, 18-24-year-olds pay twice as much as drivers 65 and older.

For every ten years older you get, you can expect to see a drop in your monthly premium. Having said that, once you approach retirement your rates may rise again in Rock Hill.

Average Car Insurance Rates by Gender

Gender Average
Male$111
Female$102

Car insurance rates for female drivers are usually cheaper than those for male drivers. This is true in Rock Hill, where women pay around $9 less a month. Based on the chart above, you can see that female drivers pay around $102 on average, while male drivers typically pay $111 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$150
Multiple Accidents$171
1 Ticket$139
Multiple Tickets$179

Your driving record can have a huge impact on your car insurance rates. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. Drivers in Rock Hill with one accident will pay around $150 a month. Likewise, drivers with one ticket will be looking at a rate of around $139 a month on average.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. So, if cheaper car insurance is important to you, keep your record clean and drive safe.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$166
2-3 Years$115
4-5 Years$134
6-7 Years$106
8-10 Years$115
11-14 Years$100
15 Years or Older$101

In terms of affordable coverage, the cheapest vehicles to insure in Rock Hill are usually trucks and vans, at $88 per month.

SUV drivers will see rates of about $109, while the rates for car owners average out to about $108 per month.

In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. In Rock Hill, the most expensive vehicles to insure are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$114
Married$89
Divorced$73
Widowed$70

On average, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

The difference in rates based on relationship status in Rock Hill can be as much as $25 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$94
Rent$110
Live with parents$115

Another factor taken into consideration is your housing status. Drivers who own property in Rock Hill can expect to pay around $16 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in Rock Hill, SC

Recent trends in car insurance for Rock Hill drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

In Rock Hill, car insurance rates had been increasing steadily from 2017-2021. They finished down in 2022, at $112.

How does Rock Hill compare to neighboring areas?

Why are car insurance rates in Rock Hill different from other areas?

Car insurance companies take in a number of factors when deciding how much individual insurance policies will cost. Many factors affecting your policy are based around where you live and drive. These factors include things like:

  • Regional crime rates
  • Number of drivers in the community
  • Local regulations
  • Amount of off-street parking
  • Road Safety (total number of local car accidents)

You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Rock Hill?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

Don't worry, Compare.com can handle all of this for you. Just punch in your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from a bulk of the car insurance companies offering coverage in Rock Hill.

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Rock Hill Insurance FAQs

What factors affect car insurance quotes in Rock Hill?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your credit score, address, marital status and driving record.

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 parking situations, crime rates, and local laws -- 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?

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Rock Hill?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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?

No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Rock Hill or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

Find your best rate in just a few minutes