Cheapest Car Insurance Quotes in Rose Hill

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Rose Hill Car Insurance

^$ 32

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Rose Hill

The car insurance rate in Rose Hill is $974 for a six-month policy, which is $72 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $436, making it a popular choice for budget-conscious drivers. Rates in Rose Hill can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Rose Hill

$974

Avg. Car Insurance in North Carolina

$902

National Average

$1140

Cheapest Car Insurance Companies in Rose Hill

1st place: Erie

At $436 for a six month policy, Erie offers the cheapest auto insurance rates in the city.

2nd place: Progressive

Progressive offers auto insurance rates at $519 for a six-month policy, making it one of the cheapest to insure with.

3rd place: State Farm

State Farm offers auto insurance rates at $596 for six months, making it the third cheapest auto insurance company in Rose Hill.

Rose Hill Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Rose Hill, NC is Erie, offering policies at just $436 for a six-month term. This is followed by Progressive, which has an average six-month premium of $519.

At the higher end of the spectrum, Penn National is the most expensive, with rates reaching $1244 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Rose Hill drivers find the best deals.

Cheap Car Insurance Companies in Rose Hill, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$436	$73
Progressive	$519	$87
State Farm	$596	$100
North Carolina Farm Bureau	$705	$119
Nationwide	$917	$154
Farm Bureau	$1206	$205
Farmers	$1231	$205
Kemper	$1353	$230
Allstate	$1540	$259
Penn National	$1244	$207

Key Takeaways

Way's key takeaways about car insurance in Rose Hill

The auto insurance costs in Rose Hill fall around $436 for six months.
The cheapest auto insurance company in Rose Hill is Erie.
Teen drivers pay the highest rate in Rose Hill at $66 per month.

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Cheapest Minimum Liability Car Insurance in Rose Hill

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Rose Hill are given below.

Erie provides the cheapest minimum car insurance coverage in Rose Hill. Their Average 6 Month Premium is $192. National Farmers Union Insurance is the most expensive at $334 for the same period.

Cheapest Liability Coverage in Rose Hill, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$192	$32
State Farm	$264	$44
Progressive	$275	$46
North Carolina Farm Bureau	$301	$51
Nationwide	$378	$64
National General	$391	$65
Penn National	$423	$72
Farm Bureau	$616	$103
Allstate	$674	$113
National Farmers Union Insurance	$334	$55

Cheapest Full Coverage Car Insurance in Rose Hill

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Rose Hill is Erie at $73 per month and $436 for six months.

Cheapest Full Coverage Car Insurance Quotes in Rose Hill, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$436	$73
Progressive	$519	$87
State Farm	$596	$100
North Carolina Farm Bureau	$705	$119
Nationwide	$917	$154
Farm Bureau	$1206	$205
Farmers	$1231	$205
Kemper	$1353	$230
Allstate	$1540	$259
Penn National	$1244	$207

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Average Car Insurance in Rose Hill by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Rose Hill, NC increasing?

Despite maintaining a clean driving record, your car insurance rates in Rose Hill, North Carolina, may be increasing due to several external factors. North Carolina has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Rose Hill's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Rose Hill

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	North Carolina Farm Bureau	$440
30s	North Carolina Farm Bureau	$440
40s	North Carolina Farm Bureau	$440
50s	North Carolina Farm Bureau	$440
60s	North Carolina Farm Bureau	$440
70s	North Carolina Farm Bureau	$440

Cheapest Car Insurance Rates for Teen Drivers in Rose Hill,NC

If you are planning to get a car insurance policy for your teenage dependent, Progressive provides the cheapest car insurance in the Rose Hill at $95 per month. At $384 for a six-month premium, National General offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$565	$95
State Farm	$731	$123
Erie	$738	$124
North Carolina Farm Bureau	$1290	$217
Nationwide	$2791	$465
Allstate	$3374	$573
Penn National	$373	$62
National General	$384	$66

Teen Car Insurance Rates in NC by Age

Way Tip

If you are in your twenties North Carolina Farm Bureau is the best choice for car insurance in Rose Hill.

As young drivers face the highest rates in Rose Hill, North Carolina Farm Bureau offers the cheapest auto insurance rates at $440 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Rose Hill, North Carolina Farm Bureau is the cheapest car insurance provider. At $192 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Rose Hill is Allstate, offering rates of around $3393 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$192	$32
National General	$334	$55
Progressive	$360	$60
Erie	$417	$70
Nationwide	$827	$139
State Farm	$1425	$240
Farm Bureau	$1630	$278
Allstate	$3393	$566

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Save up to $971/yr on car insurance rates in Rose Hill.

Car Insurance Rates with An Accident in Rose Hill

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Rose Hill, NC, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Rose Hill

The cheapest car insurance companies after an at-fault accident in Rose Hill include Progressive and Erie, offering $545 and $552, respectively. Farmers is an expensive provider with an average six-month premium of $571.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$545	$92
Erie	$552	$93
State Farm	$616	$104
North Carolina Farm Bureau	$847	$143
Nationwide	$1521	$256
Farm Bureau	$1918	$326
Allstate	$2900	$488
Penn National	$532	$91
Farmers	$571	$95

Rose Hill Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Rose Hill NC. For example, the car insurance in Rose Hill after a DUI increases to $1995 for a six month policy. While the rate increases by $237 for a six-month policy in the case of a speeding ticket.

Rose Hill auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$616	$103
One Med/PIP claim	$616	$105
Not-at-fault accident	$622	$104
One comp claim	$635	$108
Two Med/PIP claims	$635	$106
Two comp claims	$654	$111
Failure to show documents	$725	$121
Child safety restraint	$802	$136
Driving without lights	$802	$134
Failure to wear a seat belt	$802	$136
Cell phone violation	$847	$141
Texting while driving	$847	$144
Speeding 6 - 10 MPH over limit	$853	$143
Driving with expired registration	$860	$146
Driving too slowly	$873	$146
Failure to stop at a red light	$873	$148
Failure to yield	$873	$146
Illegal turn	$873	$148
Open container	$873	$146
Operating a vehicle without permission	$873	$148
Wrong way/wrong lane	$873	$146
Speeding in school zone	$879	$149
At-fault accident - $1000-$2000	$886	$148
At-fault accident - less than $1000	$886	$150
In 65 MPH zone	$936	$157
Speeding 11 - 15 MPH over limit	$936	$159
Speeding 16 - 20 MPH over limit	$936	$157
Speeding 21 - 25 MPH over limit	$936	$159
Improper passing	$956	$160
Following too closely	$962	$164
At-fault accident - greater than $2000	$1032	$172
Passing school bus	$1174	$200
Reckless driving	$1187	$198
Driving with a suspended license	$1835	$312
Leaving scene of an accident/hit and run	$2579	$430
Refusal to submit to a chemical test	$2605	$443
DUI	$2611	$435
Racing	$2656	$451

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Rose Hill after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Rose Hill.

The cheapest car insurance premiums in Rose Hill are offered by National General at $443 for a six-month policy. However, it can be as expensive as $1469 with companies like Farmers.

Rose Hill car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
National General	$443	$76
Progressive	$1425	$240
State Farm	$1584	$267
Erie	$1680	$283
Nationwide	$3150	$530
North Carolina Farm Bureau	$3477	$585
Allstate	$6684	$1125
Farm Bureau	$7179	$1197
Farmers	$1469	$245

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Rose Hill are offered by North Carolina Farm Bureau at $205. However, it can be as expensive as $2239 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Rose Hill after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$205	$35
National General	$430	$73
Erie	$436	$73
State Farm	$469	$79
Progressive	$487	$82
Nationwide	$879	$148
Farm Bureau	$1610	$268
Allstate	$2239	$380

Car Insurance Price Trends in Rose Hill, North Carolina

Car insurance rates in Rose Hill have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Rose Hill remained steady at $123 in both November and October, indicating no change over the two month period.

The average cost of liability insurance in the Rose Hill remained steady at $59 in both November and October, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Rose Hill?

The car insurance in Rose Hill is $32 per month, which is lower than the national average.

What is the cheapest car insurance in Rose Hill?

The cheapest car insurance in Rose Hill is $73 per month for full coverage.

How much is car insurance in Rose Hill for teenagers?

Car insurance for teenagers costs $565 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Rose Hill?

The average cost of car insurance is $902 for a six-month policy. It will cost around $164 per month to insure your car in Rose Hill.

Is car insurance expensive in Rose Hill?

Car insurance can be expensive in Rose Hill if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Rose Hill can be affordable.

Cheapest Car Insurance Quotes in Rose Hill

Why you can trust Way?

How Much Is Car Insurance in Rose Hill

Avg. Car Insurance in Rose Hill

Avg. Car Insurance in North Carolina

National Average

Cheapest Car Insurance Companies in Rose Hill

1st place: Erie

2nd place: Progressive

3rd place: State Farm

Rose Hill Car Insurance Rates by Company

Cheap Car Insurance Companies in Rose Hill, NC

Way's key takeaways about car insurance in Rose Hill

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Rose Hill

Cheapest Liability Coverage in Rose Hill, NC

Cheapest Full Coverage Car Insurance in Rose Hill

Cheapest Full Coverage Car Insurance Quotes in Rose Hill, NC

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Rose Hill by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Rose Hill, NC increasing?

Car Insurance Premiums by Age in Rose Hill

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Rose Hill,NC

If you are in your twenties North Carolina Farm Bureau is the best choice for car insurance in Rose Hill.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Rose Hill

Cheapest Car Insurance Companies after an At-Fault Accident in Rose Hill

Rose Hill Car Insurance Rates by Violation

Rose Hill auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Rose Hill after a DUI

Rose Hill car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Rose Hill after Speeding ticket

Car Insurance Price Trends in Rose Hill, North Carolina

Average Car Insurance Cost in Rose Hill by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Rose Hill, NC

Car Insurance Rates by State in the USA (2025 Update)

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