Car Insurance in Rock Hill
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Car Insurance in Rock Hill, SC
Rock Hill, South Carolina, is home to around 76,000 people, making it the state’s sixth-most populous city. The city is best known for its rich textile history, though it has plenty of more modern economic diversity.
Driving in Rock Hill offers a balance of small-town charm and urban accessibility, from outdoor adventures at Manchester Meadows Park to exploring the city’s diverse heritage at the Catawba Cultural Center. Adequate car coverage in Rock Hill will give you peace of mind and allow you to fully enjoy the city’s family-friendly activities, varied culinary scene, and many community events.
Whether you’re commuting to the Charlotte Metro Area or driving through the growing arts district, understanding car insurance costs in Rock Hill is essential. Things like your zip code, age, and car type influence your insurance rates, so it’s essential to compare car insurance quotes in Rock Hill to get the best deal.
How much is car insurance in Rock Hill, SC?
The cost of car insurance in Rock Hill varies based on several factors, including the type of coverage you select and your personal driving record. To give you an idea of what to expect, here are the average rates for the three most common types of coverage in Rock Hill:
State Minimum
Full 50/100
Full 100/300
Auto Insurance Cost Methodology
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What are the cheapest cars to insure in Rock Hill?
| Rank | Make and Model | Average Monthly Premium |
|---|---|---|
| 1 | Subaru Forester | $158 |
| 2 | Honda Cr-V | $158 |
| 3 | Kia Sedona | $163 |
| 4 | Dodge Grand Caravan | $163 |
| 5 | Toyota Rav4 | $166 |
| 6 | Kia Sol | $167 |
| 7 | Toyota Corolla | $167 |
| 8 | Honda Odyssey | $167 |
| 9 | Ford F-150 | $168 |
| 10 | Ford Escape | $169 |
| Avg. premiums are weighted by zip code population sizes. Data accurate as of August 1, 2024 | ||
How do claims and violations impact my total cost?
In Rock Hill, driving violations and past claims can lead to higher insurance premiums. Even minor incidents, like a small accident or a speeding ticket, can increase your rates. For a clearer picture, here’s a breakdown of how different claims and violations impact insurance costs in Rock Hill, ranked from least to most severe:
| Violation or Claim | Average Monthly Cost | Price Difference |
|---|---|---|
| None | $166 | +0% |
| Not at-fault Accident | $177 | +7% |
| Driving with expired registration | $214 | +29% |
| Speeding Ticket | $216 | +30% |
| At-fault Accident | $230 | +39% |
| DUI | $256 | +54% |
| Driving with a suspended license | $271 | +63% |
| Hit and Run | $283 | +70% |
What car insurance discounts can I get in Rock Hill?
| Potential Discounts | Average Monthly Cost | Monthly Savings |
|---|---|---|
| Multi-Policy Home | $148 | +$18 |
| Paid in Full | $153 | +$13 |
| Multi-Policy Renters | $159 | +$7 |
| Low Mileage | $161 | +$5 |
| Paperless | $161 | +$5 |
| Electronic Funds Transfer | $163 | +$3 |
| Renewal discount | $165 | +$1 |
| None | $166 | +$0 |
Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.