Average homeowners insurance cost in South Carolina

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Homeowners in South Carolina pay an average of $2,668 per year for a standard home insurance policy.

The coverage limit you choose for your dwelling has a major impact on your premium. More protection generally means a higher cost. Higher coverage means higher premiums. State Farm offers some of the lowest rates in the state, making it a good starting point when comparing your options.

Don’t settle for the first quote – reach out to several insurers and dig into available discounts. Since rates hinge on details like your location, the age and construction of your home, your roof’s condition, and your claims history, the prices you’re offered can swing a lot. Getting address-specific quotes from a handful of companies puts you in the best position to land a great rate.

Key Takeaways

Our data puts the average homeowners insurance cost in South Carolina at $2,668 per year.
Of all ZIP codes analyzed in South Carolina, 29609 has the lowest average home insurance rates at around $1,970 annually.
On the insurer side, State Farm offers the most affordable average premiums in South Carolina, coming in at $1,961 per year.

What is the average cost of homeowners insurance in South Carolina?

Homeowners in South Carolina pay an average of $2,668 per year for a policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

How much is home insurance in South Carolina? Cost by coverage level

Homeowners insurance in South Carolina costs $2,668 per year on average, based on a policy with $300,000 in dwelling coverage, $100,000 in liability, and a $1,000 deductible.

However, if you increase the dwelling coverage limit from $300,000 to $400,000, you will pay $3,323 per year for homeowners insurance in South Carolina for $100,000 in liability protection and a $1,000 deductible.

The table below shows average homeowners insurance costs in South Carolina for dwelling coverage from $200,000 to $1 million.

Coverage	Average annual rate	Average monthly rate
$200,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible	$2,050	$171
$200,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible	$2,061	$172
$300,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible	$2,668	$222
$300,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible	$2,678	$223
$400,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible	$3,323	$277
$400,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible	$3,335	$278
$600,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible	$4,832	$403
$600,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible	$4,846	$404
$1,000,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible	$8,159	$680
$1,000,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible	$8,175	$681

Average home insurance cost in South Carolina by insurer

The most affordable homeowners insurance in South Carolina comes from State Farm, which averages $1,961 per year. Allstate and Auto-Owners are also worth considering.

Shopping around can save you hundreds, or more, each year.

Below are average annual and monthly premiums for South Carolina homeowners, based on a policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

Company	Average annual rate	Average monthly rate
State Farm	$1,961	$163
Allstate	$1,986	$166
Auto-Owners	$2,282	$190
Progressive	$2,445	$204
South Carolina Farm Bureau Mutual	$2,968	$247
Farmers	$3,766	$314
Travelers	$9,063	$755
USAA*	$1,952	$163

*USAA is only available to military community members and their families.

How to lower your home insurance rate

Shop around. The first quote you receive is rarely the best one. Getting estimates from at least three or four insurers gives you a clearer picture of what’s available in South Carolina.
Bundle your policies. Combining home and auto insurance, or renters and auto, with the same provider is one of the most common ways to unlock multi-policy discounts.
Ask about smart home discounts. Security systems, smoke detectors, and leak sensors are the kinds of upgrades that can bring your premium down.
Check for other savings. Loyalty discounts, claims-free rewards, and home improvements like fire-resistant roofing are worth asking about at renewal.

How does your ZIP code affect home insurance rates in South Carolina?

Your ZIP code is one of the biggest factors in your home insurance rate, because it tells the insurer how much risk comes with your location. Areas with higher crime rates, frequent natural disasters, or high rebuilding costs are treated as higher-risk-and that pushes premiums up.

Below are the most affordable and most expensive ZIP codes for home insurance in South Carolina

Most affordable ZIP codes for home insurance rates in South Carolina

The most affordable rates are in 29609, where homeowners pay $1,970 per year on average.

Not every area in South Carolina has the same home insurance cost. How much you pay for homeowners insurance in South Carolina depends on many factors, including your ZIP code.

Below you can find homeowners insurance rates for some of the most affordable ZIP codes in South Carolina.

ZIP code	Average annual rate	Average monthly rate
29609	$1,970	$164
29617	$1,977	$165
29605	$1,980	$165
29615	$1,983	$165
29607	$1,984	$165
29601	$1,997	$166
29687	$2,000	$167
29651	$2,001	$167
29681	$2,005	$167
29316	$2,008	$167

Most expensive ZIP codes for home insurance rates in South Carolina

29585 has the highest rates in South Carolina at an average of $6,953 per year.

Home insurance costs more in certain ZIP codes due to higher crime rates, natural disaster risk, and living costs.

Below, we’ve highlighted some of the most expensive ZIP codes in South Carolina for home insurance:

ZIP code	Average annual rate	Average monthly rate
29585	$6,953	$579
29577	$6,933	$578
29576	$6,903	$575
29439	$6,875	$573
29575	$6,865	$572
29572	$6,756	$563
29582	$6,411	$534
29928	$6,340	$528
29482	$6,051	$504
29412	$6,037	$503

Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.

Home insurance rates in South Carolina by city

See rates in your city

What are the best homeowners insurance companies in South Carolina?

Based on our data, Auto-Owners stands out as the top choice in South Carolina. It earns an AM Best rating of A++ and holds one of the lowest NAIC complaint scores statewide-a strong sign of both reliability and customer satisfaction.

To pinpoint the most trustworthy insurers, we measured each company against two benchmarks:

AM Best Ratings gauge a company’s financial strength and its ability to pay claims when you need it most.
NAIC Complaint Scores compare how often a company is the subject of complaints relative to its size, with lower scores pointing to fewer problems.

Looked at together, these benchmarks give a dependable picture of an insurer’s financial footing and the experience you can expect as a customer. The table below ranks the leading companies in South Carolina by annual premium, financial rating, and complaint history.

Company	Average annual premium	AM Best rating	NAIC Complaint Index	Overall score
Auto-Owners	$2,282	A++	0.33	5
State Farm	$1,961	A++	0.95	5
Allstate	$1,986	A+	0.9	4.92
Farmers	$3,766	A	0.54	4.38
Travelers	$6,207	A++	0.54	3.82
Progressive	$2,445	A+	8.45	3.63

How to understand insurer ratings and complaint data

Picking an insurer really comes down to whether they pay when you file a claim, and whether they treat you well along the way. You don’t have to guess – independent rating agencies track this data so you can choose with confidence, whether you’re signing up or renewing.

These are the two ratings we’ve used:

AM Best is a global agency that scores insurers on their financial strength and ability to pay claims. The higher the rating, the more stable the company.
NAIC Complaint Index, run by the National Association of Insurance Commissioners, tracks consumer complaints. A score of 1.00 is the industry average; below 1.00 means fewer complaints than expected for the company’s size, and above 1.00 means more.

What factors affect your home insurance rate?

Insurers price home insurance based on the level of risk your property and profile represent. They decide that based on:

Where you live. Local crime rates, weather exposure, and claims frequency in your neighborhood all influence your rate.
Your claims history. A history of past claims typically results in a higher premium.
Your credit-based insurance score. In most states, a lower credit score can mean a higher premium (Restricted in some states, like California and Massachusetts).
Your coverage limits and deductible. Higher coverage or a lower deductible will increase what you pay.

It’s also worth noting that home insurance costs have been rising broadly. According to S&P Global Market Intelligence’s RateWatch application, premiums for owner-occupied homes climbed more than 11% nationwide in 2023.

Resources and methodology

Source

S&P Global. US homeowners insurance rates jump by double digits in 2023. Accessed June 2026.

Methodology

Insure.com partnered with Quadrant Information Services to gather homeowners insurance data, drawing from 20,739,560 quotes across 82 national and regional insurers and 34,588 ZIP codes.

Sample rates are based on a homeowner profile with good credit and the following coverage levels:

$300,000 dwelling coverage
$100,000 liability protection
$1,000 deductible

The best companies list was determined using average annual cost, NAIC complaint score, and AM Best rating. All rates are intended for comparison and individual results will vary.

Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.