Rock Hill Car Insurance

Everything You Need To Know About Car Insurance in Rock Hill, SC

Find the right car insurance policy for you.

Rock Hill, South Carolina, is located very close to the North Carolina border and is actually considered to be part of the Charlotte, NC metropolitan area. This city of more than 66,000 residents is the largest in York County and has a lot of drivers on its busy roads. Even if you work and do most of your driving in North Carolina, if you are a vehicle-owning resident of Rock Hill, you are required to carry auto insurance that meets or exceeds South Carolina’s state-mandated minimums. An independent insurance agent in our network can help you collect and compare car insurance quotes in Rock Hill. That way, you can be certain you are getting a good policy at a reasonable price.

  • National average cost per year: $1,311
  • South Carolina average cost per year: $1,210
  • 31st most expensive auto premium in the U.S.

While the average car insurance rates in the state of South Carolina are slightly lower than the national average, these figures are to be used only to get an idea of how much you might expect to pay. Your actual Rock Hill auto insurance costs will be calculated based on several factors, including but not limited to the type of car you drive, your driving record, the amount of coverage you wish to purchase, the size of your deductible and even your credit score. Each insurance company is likely to arrive at a different cost for premiums, so comparison shopping can save you money.

South Carolina Car Insurance Requirements

  • Bodily injury liability: required
  • Property damage liability: required
  • Personal injury protection (PIP): not required
  • Uninsured motorist coverage: not required
  • Minimum liability limits: 25/50/25
  • Coverage up to $50,000 for all persons injured in an accident, subject to a limit of $25,000 for one individual, and $25,000 coverage for property damage

South Carolina imposes minimum insurance requirements to protect drivers from catastrophic financial losses in the event of an accident. Of course, these state-mandated minimums are not always high enough to fully protect you if you are responsible for a major collision, so you may want to consider further protecting your assets in Rock Hill by purchasing higher coverage limits with your car insurance policy.

Failure to carry car insurance that meets South Carolina’s requirements can subject you to a citation and possibly a fine or imprisonment. You will also be required to provide proof of insurance within 30 days or face an indefinite suspension of your driver's license. It is simply not worth the risk to forego this coverage.

Number of Uninsured Motorists in South Carolina

  • Number of uninsured U.S. drivers: 12.6%
  • Number of uninsured South Carolina drivers: 7.70%

While the number of uninsured drivers on South Carolina’s roadways is lower than the national average, they still constitute a significant number of drivers. If you are in a collision that is caused by an uninsured driver, that person is responsible for covering the damage. Unfortunately, it can be hard to collect this money. Fortunately, if your car insurance includes uninsured motorist coverage, your insurance company will cover your damage and then pursue the at-fault driver on its own behalf. This insurance also covers damage caused by a hit-and-run driver.

Number of Auto Thefts in South Carolina

  • National number of thefts per 1,000 vehicles: 2.94
  • South Carolina number of thefts per 1,000 vehicles: 3.49

Auto thefts in South Carolina exceed the national average, but the risk of car theft is actually lower than average in Rock Hill. In recent years, there were 121 auto thefts in this city, which equates to 1.76 thefts per 1,000 cars. Be sure to protect your vehicle from theft by parking in well lit, attended lots when possible, always locking your car when unattended and using an anti-theft device such as a car alarm. Also, be sure to add comprehensive, or “other than collision,” coverage to your auto insurance policy in Rock Hill so that you are covered if your car is stolen or damaged by vandals.

Find the Best Rock Hill Car Insurance Policy

When you are shopping for car insurance in Rock Hill, you will want to sure that you are purchasing a policy from a reputable insurance company and that you are not overpaying for your coverage. Comparison-shopping can help you find the most affordable policy, but it can be time-consuming and frustrating when you go at it on your own. When you enlist the help of an independent insurance agent in our network, comparison-shopping is easy. These agents have relationships with a number of highly-rated insurance companies so they can quickly and painlessly gather a variety of Rock Hill auto insurance quotes for policies that are customized to meet your coverage needs. 

Find an agent with an office in the Rock Hill area to get started.

Share this page on Twitter Share this page on Facebook Share this page on LinkedIn