Cheapest Car Insurance Quotes in Rose Hill

Finding the cheapest car insurance quotes in Rose Hill shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

406,175 Policies Sold

Rose Hill Car Insurance

^$ 28

/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 $759 for a six-month policy, which is $43 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $390, 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

$759

Avg. Car Insurance in Virginia

$716

National Average

$1278

Cheapest Car Insurance Companies in Rose Hill

1st place: Virginia Farm Bureau

At $390 for a six month policy, Virginia Farm Bureau offers the cheapest auto insurance rates in the city.

2nd place: American Family

American Family offers auto insurance rates at $478 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $484 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, VA is Virginia Farm Bureau, offering policies at just $390 for a six-month term. This is followed by American Family, which has an average six-month premium of $478.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1630 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, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$390	$67
American Family	$478	$80
Auto-Owners Insurance Co	$484	$83
Cincinnati	$491	$82
Travelers	$655	$110
Erie	$661	$111
USAA	$711	$120
Farm Bureau	$743	$125
Nationwide	$743	$125
Mercury	$825	$139
State Farm	$894	$151
Progressive	$1171	$197
Allstate	$1630	$275

Key Takeaways

Way's key takeaways about car insurance in Rose Hill

The auto insurance costs in Rose Hill fall around $390 for six months.
The cheapest auto insurance company in Rose Hill is Virginia Farm Bureau.
Teen drivers pay the highest rate in Rose Hill at $934 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

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.

Virginia Farm Bureau provides the cheapest minimum car insurance coverage in Rose Hill. Their Average 6 Month Premium is $163. Nationwide is the most expensive at $730 for the same period.

Cheapest Liability Coverage in Rose Hill, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$163	$28
American Family	$182	$31
Cincinnati	$220	$37
Auto-Owners Insurance Co	$246	$41
Mercury	$252	$42
Travelers	$259	$43
USAA	$270	$46
Farm Bureau	$277	$47
Erie	$308	$52
State Farm	$390	$66
Progressive	$573	$96
Allstate	$686	$116
Nationwide	$730	$123

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 Virginia Farm Bureau at $67 per month and $390 for six months.

Cheapest Full Coverage Car Insurance Quotes in Rose Hill, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$390	$67
American Family	$478	$80
Auto-Owners Insurance Co	$484	$83
Cincinnati	$491	$82
Travelers	$655	$110
Erie	$661	$111
USAA	$711	$120
Farm Bureau	$743	$125
Nationwide	$743	$125
Mercury	$825	$139
State Farm	$894	$151
Progressive	$1171	$197
Allstate	$1630	$275

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Rose Hill Instantly!

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, VA increasing?

Despite maintaining a clean driving record, your car insurance rates in Rose Hill, Virginia, may be increasing due to several external factors. Virginia 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	USAA	$695
30s	Virginia Farm Bureau	$524
40s	USAA	$489
50s	USAA	$459
60s	USAA	$483
70s	USAA	$765

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

If you are planning to get a car insurance policy for your teenage dependent, Virginia Farm Bureau provides the cheapest car insurance in the Rose Hill at $28 per month. At $5547 for a six-month premium, Progressive offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$163	$28
Mercury	$220	$37
American Family	$240	$40
Auto-Owners Insurance Co	$283	$48
Travelers	$825	$139
Farm Bureau	$863	$145
Erie	$1184	$199
USAA	$1392	$234
State Farm	$2607	$439
Nationwide	$4005	$674
Allstate	$4024	$677
Progressive	$5547	$934

Teen Car Insurance Rates in VA by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Rose Hill.

As young drivers face the highest rates in Rose Hill, USAA offers the cheapest auto insurance rates at $695 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, Mercury is the cheapest car insurance provider. At $233 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 State Farm, offering rates of around $4339 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$233	$39
Virginia Farm Bureau	$246	$41
Cincinnati	$403	$67
Travelers	$831	$140
Nationwide	$1146	$193
USAA	$1190	$202
Farm Bureau	$1360	$227
Erie	$1870	$318
Progressive	$2266	$377
Allstate	$2474	$421
State Farm	$4339	$723

Escape the Trap of Rising Insurance Costs.

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, VA, 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 AutoOwners Insurance Co and Virginia Farm Bureau, offering $227 and $227, respectively. Encompass is an expensive provider with an average six-month premium of $510.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$227	$38
Virginia Farm Bureau	$227	$38
American Family	$240	$40
Cincinnati	$289	$49
Mercury	$334	$55
Electric	$403	$69
Travelers	$478	$81
Farm Bureau	$591	$100
USAA	$668	$112
Erie	$781	$131
State Farm	$812	$137
Nationwide	$1668	$281
Progressive	$1889	$318
Allstate	$3488	$587
Encompass	$510	$87

Rose Hill Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Rose Hill VA. For example, the car insurance in Rose Hill after a DUI increases to $995 for a six month policy. While the rate increases by $208 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	$995	$165
One Med/PIP claim	$995	$170
Not-at-fault accident	$1032	$172
Two Med/PIP claims	$1064	$181
One comp claim	$1077	$179
Two comp claims	$1127	$192
Failure to show documents	$1133	$189
Driving without lights	$1152	$196
Child safety restraint	$1159	$193
Driving with expired registration	$1171	$199
Failure to wear a seat belt	$1184	$197
Cell phone violation	$1197	$204
Driving too slowly	$1197	$199
Failure to yield	$1197	$204
Speeding in school zone	$1197	$199
Texting while driving	$1197	$204
Wrong way/wrong lane	$1197	$199
Failure to stop at a red light	$1203	$205
Following too closely	$1203	$200
Illegal turn	$1203	$205
Improper passing	$1203	$200
Speeding 6 - 10 MPH over limit	$1203	$205
Speeding 16 - 20 MPH over limit	$1215	$202
Speeding 11 - 15 MPH over limit	$1221	$208
Passing school bus	$1259	$210
In 65 MPH zone	$1304	$222
Open container	$1322	$220
Speeding 21 - 25 MPH over limit	$1322	$225
At-fault accident - less than $1000	$1360	$227
Operating a vehicle without permission	$1461	$248
At-fault accident - $1000-$2000	$1480	$247
At-fault accident - greater than $2000	$1480	$251
Reckless driving	$1801	$300
Racing	$1933	$329
DUI	$1990	$332
Refusal to submit to a chemical test	$1990	$338
Driving with a suspended license	$2090	$349
Leaving scene of an accident/hit and run	$2090	$355

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Virginia Farm Bureau at $201 for a six-month policy. However, it can be as expensive as $2373 with companies like Allstate.

Rose Hill car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$201	$34
Mercury	$227	$38
American Family	$359	$59
Auto-Owners Insurance Co	$390	$67
Travelers	$598	$101
Farm Bureau	$617	$104
USAA	$1007	$170
State Farm	$1285	$216
Erie	$1512	$254
Progressive	$1619	$272
Nationwide	$2141	$360
Allstate	$2373	$400

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 Mercury at $233. However, it can be as expensive as $2607 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
Mercury	$233	$39
Virginia Farm Bureau	$240	$40
American Family	$246	$41
Auto-Owners Insurance Co	$252	$42
Cincinnati	$252	$42
Travelers	$497	$84
Erie	$604	$102
State Farm	$756	$127
USAA	$818	$139
Farm Bureau	$882	$147
Nationwide	$1744	$297
Progressive	$1833	$305
Allstate	$2607	$443

Car Insurance Price Trends in Rose Hill, Virginia

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 rose by $174 in January compared to $95 of December. In other words, there has been an increase by $79 when you compare January and December.

The average cost of liability insurance in the Rose Hill rose to $58 in January, compared to $49 in December. This represents an increase of $9 when comparing January and December.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Rose Hill?

The car insurance in Rose Hill is $28 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 $67 per month for full coverage.

How much is car insurance in Rose Hill for teenagers?

Car insurance for teenagers costs $163 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 $716 for a six-month policy. It will cost around $127 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 Virginia

National Average

Cheapest Car Insurance Companies in Rose Hill

1st place: Virginia Farm Bureau

2nd place: American Family

3rd place: AutoOwners Insurance Co

Rose Hill Car Insurance Rates by Company

Cheap Car Insurance Companies in Rose Hill, VA

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, VA

Cheapest Full Coverage Car Insurance in Rose Hill

Cheapest Full Coverage Car Insurance Quotes in Rose Hill, VA

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, VA 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,VA

If you are in your twenties USAA 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, Virginia

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, VA

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

Featured Blogs

Data Sources