Cost of Car Insurance in Rock Hill, SC – Comparisons + Rankings (2025)

How much does car insurance cost in Rock Hill, South Carolina? We compare average insurance rates to find the models with cheap car insurance quotes.

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How much does car insurance cost in Rock Hill?

In Rock Hill, the average price for car insurance is $2,280 per year, which is 2.6% more than the national average rate of $2,221. Per month, Rock Hill car insurance costs approximately $190 for a policy that provides full coverage.

In the state of South Carolina, the average car insurance expense is $2,192 per year, so the average cost in Rock Hill is $88 more per year. When rates are compared to other locations in South Carolina, the average cost to insure a vehicle in Rock Hill is $74 per year cheaper than in North Charleston, $84 per year more than in Mount Pleasant, and $38 per year cheaper than in Charleston.

The next chart shows examples of average Rock Hill auto insurance cost. Rates are averaged for all Rock Hill Zip Codes and shown for different driver ages and common risk profiles.

Average car insurance rates in Rock Hill for different driver ages and risk scenarios.
Figure 1: Average car insurance rates in Rock Hill for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for the 2024 model year with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average car insurance cost in Rock Hill includes all Zip Codes and vehicle trim levels.

2024 Average Car Insurance Cost in Rock Hill, SC
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,246$437
Safe Driver Age 20$4,590$383
At-fault Accidents Age 40$3,228$269
Low Deductibles Age 40$2,984$249
Safe Driver Age 30$2,432$203
Safe Driver Age 40$2,280$190
Safe Driver Age 50$2,022$169
High Deductibles Age 40$1,918$160
Discount Rate Age 40$1,896$158
Safe Driver Age 60$1,894$158

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Updated June 27, 2025

The average cost of auto insurance per month in Rock Hill is $190, and ranges from $158 to $437 for the driver ages and policy risk profiles shown above.

Auto insurance rates are extremely variable and can also be very different depending on the company. Since there is so much rate volatility, this stresses the need to get multiple car insurance quotes when shopping online for cheaper car insurance.

The age of the rated driver significantly impacts the price of car insurance, so the list below details how driver age influences cost by breaking out average car insurance rates depending on driver age.

Average car insurance cost for Rock Hill, South Carolina, drivers age 16 to 60

  • 16-year-old rated driver – $8,125 per year or $677 per month
  • 17-year-old rated driver – $7,870 per year or $656 per month
  • 18-year-old rated driver – $7,052 per year or $588 per month
  • 19-year-old rated driver – $6,426 per year or $536 per month
  • 20-year-old rated driver – $4,590 per year or $383 per month
  • 30-year-old rated driver – $2,432 per year or $203 per month
  • 40-year-old rated driver – $2,280 per year or $190 per month
  • 50-year-old rated driver – $2,022 per year or $169 per month
  • 60-year-old rated driver – $1,894 per year or $158 per month

The previous rates shown for teenage drivers were based on the rated driver being male. The chart below breaks out the average cost to insure teen drivers in Rock Hill, SC, by gender. Female drivers tend to have cheaper car insurance rates, in particular in the teen years.

Average cost to insure teenage drivers on an average 2024 model year vehicle with full coverage.
Figure 2: Average cost to insure teenage drivers on an average 2024 model year vehicle with full coverage. Rates updated on June 26, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Teenage driver rates are for the 2024 model year with $500 comprehensive and collision deductibles. Average car insurance cost in Rock Hill includes all Zip Codes and vehicle trim levels. Rates assume a clean driving record and no claims or at-fault accidents.

Average Car Insurance Cost in Rock Hill, SC for Teenage Drivers
Driver Age Male Driver Female Driver
16-Year-Old$8,125$7,587
17-Year-Old$7,870$7,541
18-Year-Old$7,052$6,509
19-Year-Old$6,426$5,433

Data Methodology: Rated teen drivers have no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium amounts are averaged for all trim levels available on the 2024 Average Car. Updated June 26, 2025

Auto insurance for a female 16-year-old driver in Rock Hill costs an average of $538 less per year than the cost for a male driver, while at age 19, it still costs $993 less per year for females than males.

The rates referenced earlier in this article consist of an average based on every 2024 vehicle model, which is practical when making general comparisons such as the cost difference between driver ages or locations. Average car insurance rates are excellent when trying to find the answer to questions like “is Rock Hill auto insurance cheaper than Columbia?” or “are South Carolina auto insurance rates cheaper than in Colorado?”.

But for more useful price comparisons, the rates will be more accurate if we analyze the exact make and model of vehicle being insured. Each individual model has different risk exposures for determining the cost of car insurance and this data makes it possible to do more detailed insurance cost analysis.

The chart below details average insurance rates for the more popular models on the roads of Rock Hill. Later on, we examine the cost of insuring some of these models in more detail.

Average cost to insure popular 2024 model year vehicles in Rock Hill.
Figure 3: Average cost to insure popular 2024 model year vehicles in Rock Hill. Rates updated on June 27, 2025.

Data Methodology: Average car insurance cost is based on 2024 model year vehicles with safe driver and claim-free discounts applied. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Rates are averaged for all Rock Hill Zip Codes.

Rock Hill, SC, Car Insurance Rates for Popular Vehicles
Make/Model Annual Premium Cost Per Month
Honda CR-V$1,946$162
Nissan Rogue$2,050$171
Ford Escape$2,082$174
Chevrolet Equinox$2,102$175
Toyota RAV4$2,104$175
Chevrolet Traverse$2,130$178
Honda Accord$2,204$184
Toyota Corolla$2,220$185
Jeep Grand Cherokee$2,280$190
Toyota Camry$2,452$204
Chevrolet Silverado$2,522$210
Ford Bronco$2,532$211
Ford F150$2,552$213
Ram Truck$2,638$220

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2024 model year and also for all Rock Hill, SC Zip Codes. Updated June 27, 2025

Models popular with drivers in Rock Hill tend to be compact and midsize sedans like the Nissan Sentra, Hyundai Elantra, and Kia K5 and compact and midsize SUVs like the Honda CR-V, Toyota RAV4, and Subaru Outback.

Some additional popular models in Rock Hill from other vehicle segments include luxury SUVs like the Cadillac XT5 and Lexus RX 350, luxury cars like the BMW 530i and Tesla Model S, and pickup trucks like the Ram 1500 and Ford Ranger.

We will get into different rates in much more detail later in this article, but before we do that, let’s go over the comparisons and concepts that were covered up to this point.

  • Auto insurance rates decline considerably between ages 20 and 30 – The average 30-year-old Rock Hill, SC, driver will pay $2,158 less annually than a 20-year-old driver, $2,432 compared to $4,590.
  • Low deductible auto insurance costs more – A 20-year-old driver pays an average of $1,226 more per year for $250 deductibles versus $1,000 deductibles.
  • Rock Hill car insurance rates are more expensive than the South Carolina state average – $2,280 (Rock Hill average) compared to $2,192 (South Carolina average)
  • Rock Hill, SC, car insurance cost is more than the U.S. average – $2,280 (Rock Hill average) compared to $2,221 (U.S. average)
  • Auto insurance cost decreases as you age – Rates for a 50-year-old driver in Rock Hill are $2,568 per year cheaper than for a 20-year-old driver.
  • Insuring teen drivers is expensive in Rock Hill – Cost ranges from $5,433 to $8,125 per year for teenage driver insurance in Rock Hill, SC.
  • Teenage female drivers pay less than teen males – Teenage females age 16 to 19 pay $993 to $538 less per year than males of the same age.

What are the cheapest car insurance rates in Rock Hill, SC?

When comparing models from every automotive segment, the vehicles with the cheapest average insurance prices in Rock Hill tend to be small SUVs and crossovers like the Subaru Crosstrek, Chevrolet Trailblazer, Toyota Corolla Cross, and Hyundai Venue. Average auto insurance rates for those compact SUVs cost $154 or less per month for a policy with full coverage.

Additional models that rank in the top 20 in the comparison table below are the Honda HR-V, Kia Niro, Nissan Murano, and Acura RDX.

Insurance is slightly more for those models than the cheapest crossover SUVs that rank near the top, but they still have average rates of $1,986 or less per year, or $166 per month.

The table below details the vehicles with the cheapest overall insurance rates in Rock Hill, ordered by annual cost.

Cheapest Car Insurance Rates in Rock Hill
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,684$140
2Chevrolet Trailblazer$1,716$143
3Kia Soul$1,782$149
4Nissan Kicks$1,798$150
5Honda Passport$1,818$152
6Buick Envision$1,826$152
7Toyota Corolla Cross$1,840$153
8Hyundai Venue$1,852$154
9Mazda CX-5$1,858$155
10Ford Bronco Sport$1,870$156
11Volkswagen Tiguan$1,888$157
12Acura RDX$1,906$159
13Nissan Murano$1,918$160
14Buick Encore$1,940$162
15Subaru Outback$1,942$162
16Honda CR-V$1,946$162
17Buick Envista$1,952$163
18Volkswagen Taos$1,954$163
19Kia Niro$1,966$164
20Toyota GR Corolla$1,980$165
21Honda HR-V$1,986$166
22Subaru Ascent$1,986$166
23Nissan Leaf$1,998$167
24Chevrolet Colorado$2,010$168
25Honda Civic$2,018$168
26Lexus NX 250$2,018$168
27Volkswagen Atlas$2,022$169
28Acura Integra$2,030$169
29Subaru Forester$2,030$169
30Volkswagen Atlas Cross Sport$2,032$169

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Rock Hill, SC Zip Codes. Updated June 27, 2025

Top 30 cheapest vehicles to insure in Rock Hill, SC with the Subaru Crosstrek ranking first at $1,684 per year
Top 30 cheapest vehicles to insure in Rock Hill, SC with the Subaru Crosstrek ranking first at $1,684 per year

A list of 30 of the cheapest vehicles to insure in Rock Hill doesn’t really give the complete picture of the cost of auto insurance in Rock Hill. Considering we track over 700 vehicles, a lot of models get left out.

So let’s dig deeper and show the models with the lowest rates differently, by vehicle segment. The next six sections show the top 20 models with the cheapest car insurance rates in Rock Hill for the six main segments.

Cheapest cars to insure in Rock Hill, South Carolina

The four lowest-cost non-luxury two and four door cars to insure in Rock Hill are the Toyota GR Corolla at $1,980 per year, Nissan Leaf at $1,998 per year, Honda Civic at $2,018 per year, and Nissan Sentra at $2,092 per year.

Some other cars that have cheaper rates include the Chevrolet Malibu, Toyota Prius, Kia K5, and Honda Accord, with average cost of $2,220 per year or less.

On a monthly basis, car insurance in Rock Hill on this segment for the average driver starts at around $165 per month, depending on where you live and the company you use.

The cheapest compact car to insure in Rock Hill is the Toyota GR Corolla at $1,980 per year. For midsize cars, the Kia K5 has the cheapest rates at $2,198 per year. And for full-size cars, the Chrysler 300 has the cheapest car insurance rates at $2,172 per year.

The rate comparison table below ranks the cars with the most affordable insurance in Rock Hill, starting with the Toyota GR Corolla at $1,980 per year and ending with the Mazda 3 at $2,360 per year.

Cheapest Car Insurance in Rock Hill, SC
Make and Model Vehicle Size Annual Premium Cost Per Month
Toyota GR CorollaCompact$1,980$165
Nissan LeafCompact$1,998$167
Honda CivicCompact$2,018$168
Nissan SentraCompact$2,092$174
Subaru ImprezaCompact$2,096$175
Toyota PriusCompact$2,132$178
Kia K5Midsize$2,198$183
Honda AccordMidsize$2,204$184
Chevrolet MalibuMidsize$2,212$184
Toyota CorollaCompact$2,220$185
Kia ForteCompact$2,228$186
Volkswagen ArteonMidsize$2,242$187
Nissan VersaCompact$2,246$187
Subaru LegacyMidsize$2,252$188
Hyundai Ioniq 6Midsize$2,270$189
Mitsubishi Mirage G4Compact$2,302$192
Volkswagen JettaCompact$2,308$192
Toyota CrownMidsize$2,310$193
Hyundai SonataMidsize$2,314$193
Mazda 3Compact$2,360$197

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Rock Hill, SC Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large cars to insure in Rock Hill, SC, with the Toyota GR Corolla ranking first at $1,980 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in Rock Hill, SC, with the Toyota GR Corolla ranking first at $1,980 per year.

For all vehicle comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.

Don’t see insurance rates for your vehicle? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Rock Hill car insurance quotes from top companies in South Carolina.

SUVs with cheap auto insurance

The top four SUVs with the most affordable auto insurance in Rock Hill are the Subaru Crosstrek at $1,684 per year, Chevrolet Trailblazer at $1,716 per year, Kia Soul at $1,782 per year, and Nissan Kicks at $1,798 per year.

Other models that are affordable to insure include the Hyundai Venue, Toyota Corolla Cross, Ford Bronco Sport, and Buick Envision, with average rates of $1,870 per year or less.

Additional 2024 models that make the list include the Kia Niro, Buick Envista, Honda HR-V, and Subaru Ascent, which average between $1,870 and $1,986 to insure per year.

On a monthly basis, auto insurance rates on this segment in Rock Hill for an average middle-age driver will start around $140 per month, depending on the company and where you live.

The next table ranks the twenty SUVs with the lowest-cost average auto insurance rates in Rock Hill.

Cheapest SUV Insurance in Rock Hill, SC
Make and Model Vehicle Size Annual Premium Cost Per Month
Subaru CrosstrekCompact$1,684$140
Chevrolet TrailblazerCompact$1,716$143
Kia SoulCompact$1,782$149
Nissan KicksCompact$1,798$150
Honda PassportMidsize$1,818$152
Buick EnvisionCompact$1,826$152
Toyota Corolla CrossCompact$1,840$153
Hyundai VenueCompact$1,852$154
Mazda CX-5Compact$1,858$155
Ford Bronco SportCompact$1,870$156
Volkswagen TiguanCompact$1,888$157
Nissan MuranoMidsize$1,918$160
Buick EncoreCompact$1,940$162
Subaru OutbackMidsize$1,942$162
Honda CR-VCompact$1,946$162
Buick EnvistaMidsize$1,952$163
Volkswagen TaosCompact$1,954$163
Kia NiroCompact$1,966$164
Honda HR-VCompact$1,986$166
Subaru AscentMidsize$1,986$166

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Rock Hill, SC Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large SUVs to insure in Rock Hill, SC, with the Subaru Crosstrek ranking first at $1,684 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in Rock Hill, SC, with the Subaru Crosstrek ranking first at $1,684 per year.

For all vehicle comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.

Don’t see your SUV in the list? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top companies in South Carolina.

Pickup trucks with cheap auto insurance

The four most affordable pickup trucks to insure in Rock Hill are the Chevrolet Colorado at $2,010 per year, Nissan Titan at $2,134 per year, Nissan Frontier at $2,156 per year, and Ford Ranger at $2,180 per year.

Not the cheapest in the list, but still ranking well, are pickups like the Toyota Tacoma, Hyundai Santa Cruz, GMC Canyon, and Honda Ridgeline, with average rates of $2,346 per year or less.

From a monthly standpoint, full-coverage car insurance on this segment in Rock Hill for a good driver starts at around $168 per month, depending on your location and insurance company. The next table ranks the twenty pickups with the lowest-cost car insurance rates in Rock Hill, starting with the Chevrolet Colorado at $2,010 per year ($168 per month) and ending with the Ram Truck at $2,638 per year ($220 per month).

Cheapest Pickup Insurance in Rock Hill, SC
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$2,010$168
Nissan TitanFull-size$2,134$178
Nissan FrontierMidsize$2,156$180
Ford RangerMidsize$2,180$182
Ford MaverickMidsize$2,214$185
Honda RidgelineMidsize$2,264$189
Hyundai Santa CruzMidsize$2,302$192
Toyota TacomaMidsize$2,310$193
GMC Sierra 2500 HDHeavy Duty$2,320$193
GMC CanyonMidsize$2,346$196
Jeep GladiatorMidsize$2,402$200
GMC Sierra 3500Heavy Duty$2,418$202
Chevrolet Silverado HD 3500Heavy Duty$2,438$203
Chevrolet Silverado HD 2500Heavy Duty$2,502$209
GMC SierraFull-size$2,518$210
Chevrolet SilveradoFull-size$2,522$210
Nissan Titan XDHeavy Duty$2,522$210
Ford F150Full-size$2,552$213
GMC Hummer EV PickupFull-size$2,616$218
Ram TruckFull-size$2,638$220

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Rock Hill, SC Zip Codes. Updated June 27, 2025

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Rock Hill, SC, with the Chevrolet Colorado ranking first at $2,010 per year.
Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Rock Hill, SC, with the Chevrolet Colorado ranking first at $2,010 per year.

For more pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.

Don’t see rates for your pickup? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Rock Hill car insurance quotes from top car insurance companies in South Carolina.

Sports cars with cheap car insurance rates in Rock Hill

Ranking highest for the lowest-cost Rock Hill car insurance rates in the performance and sports car segment are the Toyota GR86, Ford Mustang, Subaru WRX, BMW Z4, and Mazda MX-5 Miata. Insurance rates for these vehicles average $2,560 or less per year.

Additional sports cars that have affordable average insurance rates are the Subaru BRZ, Lexus RC F, Nissan Z, and Toyota GR Supra, with average annual insurance rates of $2,726 per year or less.

From a cost per month standpoint, auto insurance rates in Rock Hill on this segment for a safe driver starts at an average of $176 per month, depending on your location and insurance company. The comparison table below ranks the twenty sports cars with the cheapest average car insurance rates in Rock Hill, starting with the Mazda MX-5 Miata at $2,112 per year ($176 per month) and ending with the Porsche Taycan at $3,864 per year ($322 per month).

Cheapest Sports Car Insurance in Rock Hill, SC
Make and Model Vehicle Type Annual Premium Cost Per Month
Mazda MX-5 MiataSports Car$2,112$176
Toyota GR86Sports Car$2,406$201
Ford MustangSports Car$2,508$209
BMW Z4Sports Car$2,520$210
Subaru WRXSports Car$2,560$213
Toyota GR SupraSports Car$2,564$214
BMW M2Sports Car$2,638$220
Nissan ZSports Car$2,642$220
Lexus RC FSports Car$2,696$225
Subaru BRZSports Car$2,726$227
BMW M3Sports Car$2,880$240
Porsche 718Sports Car$2,938$245
Chevrolet CamaroSports Car$2,962$247
Chevrolet CorvetteSports Car$3,160$263
Porsche 911Sports Car$3,266$272
BMW M4Sports Car$3,404$284
Lexus LC 500Sports Car$3,420$285
Jaguar F-TypeSports Car$3,598$300
Mercedes-Benz AMG GT53Sports Car$3,778$315
Porsche TaycanSports Car$3,864$322

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Rock Hill, SC Zip Codes. Updated June 26, 2025

Ranking of the cheapest sports cars to insure in Rock Hill, SC, with the Mazda MX-5 Miata ranking first at $2,112 per year.
Ranking of the cheapest sports cars to insure in Rock Hill, SC, with the Mazda MX-5 Miata ranking first at $2,112 per year.

Don’t see your sports car in the list? No problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top companies in South Carolina.

Most affordable luxury cars to insure

The three top-ranked luxury car models with the most affordable average auto insurance rates in Rock Hill are the Acura Integra at $2,030 per year, the BMW 330i at $2,324 per year, and the Mercedes-Benz CLA250 at $2,350 per year.

Other luxury cars that have affordable average insurance rates include the Lexus RC 300, Mercedes-Benz AMG CLA35, Genesis G70, and Lexus ES 350, with average rates of $2,400 per year or less.

Some additional vehicles that make the list include the Lexus ES 250, Lexus IS 350, Lexus ES 300h, BMW 228i, and BMW 230i, which average between $2,400 and $2,558 to insure per year.

From a monthly standpoint, car insurance rates in Rock Hill on this segment for the average driver can cost as low as $169 per month, depending on your location.

The cheapest small luxury car to insure in Rock Hill is the Acura Integra at $2,030 per year. For midsize luxury cars, the Mercedes-Benz CLA250 is the cheapest model to insure at $2,350 per year. And for large luxury cars, the Audi A5 is cheapest to insure at $2,712 per year.

The rate comparison table below ranks the cars with the lowest-cost insurance in Rock Hill, starting with the Acura Integra at $2,030 per year ($169 per month) and ending with the Audi S3 at $2,558 per year ($213 per month).

Cheapest Luxury Car Insurance in Rock Hill, SC
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$2,030$169
BMW 330iCompact$2,324$194
Lexus IS 300Midsize$2,350$196
Mercedes-Benz CLA250Midsize$2,350$196
Acura TLXCompact$2,362$197
Cadillac CT4Compact$2,384$199
Lexus ES 350Midsize$2,384$199
Genesis G70Compact$2,390$199
Mercedes-Benz AMG CLA35Midsize$2,394$200
Lexus RC 300Midsize$2,400$200
Lexus IS 350Compact$2,410$201
Jaguar XFMidsize$2,416$201
Cadillac CT5Midsize$2,458$205
Lexus ES 250Midsize$2,468$206
Lexus RC 350Compact$2,476$206
BMW 330eCompact$2,478$207
BMW 228iCompact$2,482$207
BMW 230iCompact$2,502$209
Lexus ES 300hMidsize$2,504$209
Audi S3Compact$2,558$213

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Rock Hill, SC Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large luxury cars to insure in Rock Hill, SC, with the Acura Integra ranking first at $2,030 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in Rock Hill, SC, with the Acura Integra ranking first at $2,030 per year.

For all luxury car insurance comparisons, see our full luxury car insurance guide.

Don’t see insurance rates for your vehicle? That’s no problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top-rated car insurance companies in South Carolina.

Cheapest luxury SUVs to insure

The four lowest-cost luxury SUV models to insure in Rock Hill are the Acura RDX at $1,906 per year, Lexus NX 250 at $2,018 per year, Cadillac XT4 at $2,062 per year, and Jaguar E-Pace at $2,132 per year.

Other luxury SUVs that have cheaper rates include the Lexus UX 250h, Lexus NX 350h, Lincoln Corsair, and Lexus NX 450h, with an average cost to insure of $2,198 per year or less.

In the lower half of the top 20 luxury SUVs to insure, models like the Mercedes-Benz AMG GLB35, Mercedes-Benz GLA35 AMG, Acura MDX, Infiniti QX50, Cadillac XT6, and Mercedes-Benz GLA250 cost between $2,198 and $2,288 per year for full-coverage insurance.

Full-coverage insurance in this segment for a middle-age safe driver starts at around $159 per month, depending on the company. The comparison table below ranks the twenty luxury SUVs with the lowest-cost average insurance rates in Rock Hill.

Cheapest Luxury SUV Insurance in Rock Hill, SC
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura RDXCompact$1,906$159
Lexus NX 250Compact$2,018$168
Cadillac XT4Compact$2,062$172
Jaguar E-PaceMidsize$2,132$178
Cadillac XT5Midsize$2,154$180
Lexus NX 350hCompact$2,154$180
Lincoln CorsairCompact$2,180$182
Mercedes-Benz GLB 250Compact$2,186$182
Lexus UX 250hCompact$2,188$182
Lexus NX 450hCompact$2,198$183
Infiniti QX50Midsize$2,216$185
Mercedes-Benz GLA250Compact$2,224$185
Cadillac XT6Midsize$2,230$186
Mercedes-Benz GLA35 AMGCompact$2,232$186
Infiniti QX60Midsize$2,242$187
Mercedes-Benz AMG GLB35Midsize$2,248$187
Land Rover EvoqueCompact$2,278$190
Acura MDXMidsize$2,280$190
Lexus RX 350Midsize$2,288$191
Lexus NX 350Compact$2,290$191

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Rock Hill, SC Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Rock Hill, SC, with the Acura RDX ranking first at $1,906 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Rock Hill, SC, with the Acura RDX ranking first at $1,906 per year.

For all luxury SUV comparisons, see our complete guide for luxury SUV insurance.

Is your luxury SUV not in the list? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Rock Hill car insurance quotes from the best car insurance companies in South Carolina.

Examples of auto insurance rate variation

To aid in understanding how much the cost of auto insurance can fluctuate from one person to the next (and also point out the importance of multiple rate quotes), the sections below show a wide range of rates for four popular vehicles in Rock Hill: the Ford F150, Toyota Corolla, Nissan Rogue, and Kia Sorento.

The example for each vehicle shows average rates for different driver profiles to show the potential rate difference based on driver and coverage changes.

Ford F150 insurance rates

Car insurance for a Ford F150 in Rock Hill costs an average of $2,552 per year ($213 per month) and varies from $2,116 to $5,894 annually.

Average 2024 Ford F150 insurance premiums in Rock Hill for different driver ages and risk scenarios.
Figure 4: Average 2024 Ford F150 insurance premiums in Rock Hill for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Ford F150 with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Ford F150 car insurance cost in Rock Hill includes all Zip Codes and vehicle trim levels.

2024 Ford F150 Insurance Cost in Rock Hill, SC
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,894$491
Safe Driver Age 20$5,160$430
At-fault Accidents Age 40$3,622$302
Low Deductibles Age 40$3,342$279
Safe Driver Age 30$2,722$227
Safe Driver Age 40$2,552$213
Safe Driver Age 50$2,258$188
High Deductibles Age 40$2,144$179
Safe Driver Age 60$2,116$176
Discount Rate Age 40$2,116$176

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Ford F150 trim levels. Updated June 27, 2025

The Ford F150 is classified as a full-size truck, and other models in the same segment include the GMC Sierra, Nissan Titan, and Ram Truck.

Toyota Corolla insurance rates

Toyota Corolla insurance in Rock Hill averages $2,220 per year ($185 per month) and ranges from $1,842 to $5,094.

Average 2024 Toyota Corolla insurance premiums in Rock Hill for different driver ages and risk scenarios.
Figure 5: Average 2024 Toyota Corolla insurance premiums in Rock Hill for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Toyota Corolla with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota Corolla car insurance cost in Rock Hill includes all Zip Codes and vehicle trim levels.

2024 Toyota Corolla Insurance Cost in Rock Hill, SC
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,094$425
Safe Driver Age 20$4,444$370
At-fault Accidents Age 40$3,154$263
Low Deductibles Age 40$2,848$237
Safe Driver Age 30$2,362$197
Safe Driver Age 40$2,220$185
Safe Driver Age 50$1,978$165
High Deductibles Age 40$1,894$158
Safe Driver Age 60$1,848$154
Discount Rate Age 40$1,842$154

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Toyota Corolla trim levels. Updated June 27, 2025

The Toyota Corolla belongs to the compact car segment, and other similar models that are popular in Rock Hill, South Carolina, include the Hyundai Elantra, Volkswagen Jetta, Chevrolet Cruze, and Honda Civic.

Nissan Rogue insurance rates

In Rock Hill, Nissan Rogue insurance costs an average of $2,050 per year (about $171 per month) and has a range of $1,704 to $4,682 annually.

Average 2024 Nissan Rogue insurance premiums in Rock Hill for different driver ages and risk scenarios.
Figure 6: Average 2024 Nissan Rogue insurance premiums in Rock Hill for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Nissan Rogue with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Nissan Rogue car insurance cost in Rock Hill includes all Zip Codes and vehicle trim levels.

2024 Nissan Rogue Insurance Cost in Rock Hill, SC
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,682$390
Safe Driver Age 20$4,086$341
At-fault Accidents Age 40$2,902$242
Low Deductibles Age 40$2,636$220
Safe Driver Age 30$2,180$182
Safe Driver Age 40$2,050$171
Safe Driver Age 50$1,826$152
High Deductibles Age 40$1,744$145
Safe Driver Age 60$1,706$142
Discount Rate Age 40$1,704$142

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Nissan Rogue trim levels. Updated June 27, 2025

The Nissan Rogue is part of the compact SUV segment, and other models popular in Rock Hill include the Honda CR-V, Toyota RAV4, and Subaru Forester.

Kia Sorento insurance rates

Kia Sorento insurance in Rock Hill averages $2,166 per year (about $181 per month) and ranges from $1,798 to $4,974.

Average 2024 Kia Sorento insurance premiums in Rock Hill for different driver ages and risk scenarios.
Figure 7: Average 2024 Kia Sorento insurance premiums in Rock Hill for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Kia Sorento with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Kia Sorento car insurance cost in Rock Hill includes all Zip Codes and vehicle trim levels.

2024 Kia Sorento Insurance Cost in Rock Hill, SC
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,974$415
Safe Driver Age 20$4,356$363
At-fault Accidents Age 40$3,056$255
Low Deductibles Age 40$2,856$238
Safe Driver Age 30$2,312$193
Safe Driver Age 40$2,166$181
Safe Driver Age 50$1,918$160
High Deductibles Age 40$1,812$151
Discount Rate Age 40$1,798$150
Safe Driver Age 60$1,796$150

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Kia Sorento trim levels. Updated June 27, 2025

The Kia Sorento is considered a midsize SUV, and additional similar models from the same segment include the Ford Edge, Ford Explorer, Honda Pilot, and Toyota Highlander.

How to find affordable Rock Hill car insurance

Resourceful drivers in Rock Hill should always be searching for ways to cut the monthly cost of insurance So read through the savings concepts in this next list and it’s very likely you can save some money on your next policy.

  • Remove unneeded coverage on older vehicles. Removing physical damage coverage from vehicles that are older can cheapen the cost considerably.
  • Save money due to your employment. Just about all car insurance companies offer policy discounts for being employed in professions like college professors, accountants, lawyers, police officers and law enforcement, dentists, nurses, and others. If your occupation qualifies you for this discount, you could potentially save between $68 and $222 on your yearly car insurance bill, subject to policy limits.
  • Save by raising your deductibles. Increasing deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.
  • Safe drivers have lower car insurance rates. Having frequent accidents may increase rates, possibly by an extra $3,256 per year for a 20-year-old driver and even as much as $558 per year for a 60-year-old driver. So be a careful driver and save!
  • Choose a vehicle with lower car insurance rates. The type of vehicle you drive is an important factor in the price you pay for car insurance. As an example, a Mazda CX-30 costs $1,104 less per year to insure in Rock Hill than a Chevrolet Corvette. Lower performance vehicles save money.