For a 40-year-old driver with a clean record, car insurance in Rock Hill, SC, averages about $181 a month ($2,174 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That puts it 4% under South Carolina’s $189 monthly average. Progressive has the lowest full-coverage average among the five major insurers we compared (Allstate, GEICO, Progressive, State Farm and Travelers), at about $146 a month.
Rock Hill costs less to insure than most of South Carolina. Our benchmark driver pays about $8 a month less here than the state average, and Rock Hill is cheaper than 98 of the 152 South Carolina cities and towns in our city table.
Our data covers Rock Hill’s two ZIP codes: 29732 averages about $178 a month and 29730 about $184. Compare car insurance quotes in Rock Hill, SC, with these averages in hand.
Cost data comes from the auto rates insurers file with state regulators, priced across both Rock Hill ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
In rates filed as of Aug. 31, 2026, car insurance for a 40-year-old driver with a clean record in Rock Hill, SC, costs about $181 a month ($2,174 a year) for full coverage and $69 a month for liability-only coverage at South Carolina’s 25/50/25 minimum. The South Carolina average is $189 a month, so that figure is 4% lower.
Progressive has the lowest full-coverage average among the five insurers in our Rock Hill rate data. The seven published 2026 statewide South Carolina rate studies we reviewed disagree on the cheapest insurer for full coverage, apart from USAA, which sells only to military families: three put American National first, two Auto-Owners and two put other insurers first. For liability-only coverage at 25/50/25 limits, Progressive and GEICO are effectively tied for the lowest average among these five insurers, at about $57 and $58 a month.
Full-coverage averages by insurer in Rock Hill
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 25/50/25 (Yearly): | Minimum Liability 25/50/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Progressive | $678 | $57 | $1,749 | $146 |
| Travelers | $791 | $66 | $1,880 | $157 |
| GEICO | $698 | $58 | $2,075 | $173 |
| State Farm | $1,027 | $86 | $2,309 | $192 |
| Allstate | $961 | $80 | $2,857 | $238 |
| American National* | $402 | $34 | $947 | $79 |
| USAA (military families)* | $431 | $36 | $1,361 | $113 |
| Auto-Owners* | $621 | $52 | $1,468 | $122 |
| South Carolina Farm Bureau* | $625 | $52 | $1,580 | $132 |
| Rock Hill average | $831 | $69 | $2,174 | $181 |
This table uses Rock Hill ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare free car insurance quotes before you buy.
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $175 a year on average in our Rock Hill data, with the same $500 deductibles. That’s about $15 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
Not for our benchmark driver. Comparing the same insurers in the same Rock Hill ZIP codes, full coverage averaged $2,263 a year nine months earlier and $2,174 in rates as of Aug. 31, 2026, a 3.9% drop. State Farm cut its Rock Hill average 16.1%, while Allstate’s, GEICO’s, Progressive’s and Travelers’ averages were unchanged. Liability-only coverage at 25/50/25 limits fell 2.5%, led by State Farm, which cut its liability-only average 9.3%.
York County averages $2,165 a year for full coverage in our data, among the less expensive of the 44 South Carolina counties we price. Nearby Fort Mill averages about $180 a month, York $178 and Clover $183.
Travelers averages about $157 a month here, its lowest of the 11 South Carolina cities we publish a guide for, which puts it second to Progressive. For liability-only coverage, Progressive and GEICO are effectively tied, at about $57 and $58 a month. Prices differ from one part of South Carolina to another because insurers price by rating territories, which the state Department of Insurance approves.
More South Carolina cities and towns are in the South Carolina rates by city table, and you can compare states on our car insurance rates by state page.
Spartanburg, about 51 miles west, averages $186 a month, and Columbia, about 64 miles south, $196. Greenville, about 78 miles west, averages $181. For the statewide picture, see our guide to South Carolina car insurance rates.
Drivers in Rock Hill follow South Carolina’s rules. Every policy must include at least:
Insurers must also offer underinsured motorist coverage, which is optional, according to the South Carolina Department of Insurance. South Carolina is an at-fault state and doesn’t require personal injury protection. Our South Carolina requirements guide covers the details and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from South Carolina law and the South Carolina Department of Insurance. We refresh these figures when new rate data is released.
Car insurance in Rock Hill, SC, costs about $181 a month ($2,174 a year) for full coverage and $69 a month for liability-only coverage at South Carolina’s 25/50/25 minimum, for a 40-year-old driver with a clean record, in rates filed as of Aug. 31, 2026. That’s 4% below the South Carolina average of $189 a month.
Progressive has the lowest full-coverage average among the five major insurers we compared in Rock Hill, at about $146 a month, with Travelers close behind at $157. American National*, which we price from published rate studies, comes in lower, at about $79 a month. For liability-only coverage, Progressive and GEICO are effectively tied for the lowest average among the five major insurers we compared. Rates vary by driver, so compare quotes for your own car and ZIP code.
About the same, for our benchmark driver. Rock Hill full coverage averages about $181 a month and Fort Mill about $180.
In our data, 29732 has the lower full-coverage average, about $178 a month, and 29730 averages about $184.
In our Rock Hill data, full coverage (100/300/100 with $500 deductibles) averages about $181 a month and liability-only coverage at 25/50/25 limits about $69, a difference of about $112 a month ($1,343 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. South Carolina law doesn’t require full coverage, but a lender or leasing company may.
Drivers in Rock Hill must carry South Carolina’s minimums: $25,000 per person and $50,000 per crash in bodily injury liability, $25,000 in property damage liability (25/50/25) and uninsured motorist coverage at the same limits. Insurers must also offer underinsured motorist coverage, which is optional, and South Carolina doesn’t require personal injury protection.
Not for our benchmark driver. Comparing the same insurers and ZIP codes, Rock Hill full coverage fell 3.9% over the past nine months, from about $2,263 to $2,174 a year. State Farm cut its Rock Hill average 16.1%, and the other four insurers’ averages were unchanged. Liability-only coverage at 25/50/25 limits fell 2.5%.
For our benchmark driver, full coverage in Rock Hill averages about $181 a month. Nearby, Spartanburg averages about $186, Columbia about $196 and Greer about $177. Greer is cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
