Average homeowners insurance cost in South Carolina

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The average cost of home insurance in South Carolina is $2,962 per year for a standard policy.

Your premium is shaped by the dwelling coverage limit you select and the level of protection you need. Broader coverage generally means a higher cost. Higher coverage means higher premiums. Progressive stands out for its more affordable rates in the state, offering solid value as you weigh different levels of coverage.

Both avoid asserting anything about financial ratings, claims service, or stability – they stay anchored to price, which is the one thing you know for sure.

Compare quotes from multiple insurers and ask each one what discounts they offer. Premiums can differ significantly from company to company because they weigh things like where your home is located, how old it is, what it’s built from, the shape your roof is in, and your past claims. Pulling several quotes tied to your specific address is the surest way to spot the best value.

Key Takeaways

Our data puts the average homeowners insurance cost in South Carolina at $2,962 per year.
Of all ZIP codes analyzed in South Carolina, 29733 has the lowest average home insurance rates at around $2,178 annually.
On the insurer side, Progressive offers the most affordable average premiums in South Carolina, coming in at $1,850 per year.

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

The average homeowners insurance premium in South Carolina is $2,962 annually 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 $2,962 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 $3,774 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 $200,000 Liability and 2% Hurricane	$2,159	$180
$200,000 with $1,000 Deductible and $300,000 Liability and 2% Hurricane	$2,170	$181
$300,000 with $1,000 Deductible and $200,000 Liability and 2% Hurricane	$2,962	$247
$300,000 with $1,000 Deductible and $300,000 Liability and 2% Hurricane	$2,974	$248
$400,000 with $1,000 Deductible and $200,000 Liability and 2% Hurricane	$3,774	$314
$400,000 with $1,000 Deductible and $300,000 Liability and 2% Hurricane	$3,785	$315
$600,000 with $1,000 Deductible and $200,000 Liability and 2% Hurricane	$5,441	$453
$600,000 with $1,000 Deductible and $300,000 Liability and 2% Hurricane	$5,454	$455
$1,000,000 with $2,500 Deductible and $200,000 Liability and 2% Hurricane	$8,640	$720
$1,000,000 with $2,500 Deductible and $300,000 Liability and 2% Hurricane	$8,657	$721

Average home insurance cost in South Carolina by insurer

The most affordable homeowners insurance in South Carolina comes from Progressive, which averages $1,850 per year. State Farm and Allstate 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
Progressive	$1,850	$154
State Farm	$2,041	$170
Allstate	$2,453	$204
Farmers	$3,394	$283
South Carolina Farm Bureau Mutual	$3,843	$320
Auto-Owners	$4,247	$354
Travelers	$5,425	$452
USAA*	$2,374	$198

*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 shapes your home insurance rate by showing insurers the risk tied to your location. Higher crime, greater exposure to natural disasters, and steeper rebuilding costs all push an area into higher-risk territory-and premiums rise accordingly.

Below, see the most and least expensive ZIP codes for home insurance in South Carolina.

Most affordable ZIP codes for home insurance in South Carolina

The lowest rates in South Carolina are found in 29733, where homeowners pay an average of $2,178 per year.

Where you live in South Carolina has a real impact on what you’ll pay for home insurance – and your ZIP code is one of the largest drivers of that difference.

Below are average homeowners insurance rates for some of the most affordable ZIP codes in South Carolina.

ZIP code	Average annual rate	Average monthly rate
29733	$2,178	$181
29614	$2,184	$182
29743	$2,189	$182
29734	$2,206	$184
29703	$2,213	$184
29615	$2,229	$186
29605	$2,238	$187
29650	$2,239	$187
29607	$2,240	$187
29651	$2,243	$187

Most expensive ZIP codes for home insurance rates in South Carolina

29585 has the highest rates in South Carolina at an average of $5,321 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	$5,321	$443
29577	$5,243	$437
29575	$5,073	$423
29928	$5,003	$417
29576	$4,980	$415
29572	$4,836	$403
29582	$4,651	$388
29482	$4,568	$381
29451	$4,540	$378
29439	$4,411	$368

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

How has home insurance pricing shifted in South Carolina?

From 2023 to 2025, home insurance rates in South Carolina increase by 25%, mirroring the broader direction of the state’s insurance market over that period.

Here’s how rates have moved year over year since 2022:

2022 rates	2023 rates	2025 rates
$2,547	$2,377	$2,962

What are the best homeowners insurance companies in South Carolina?

Based on our data, Progressive 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
Progressive	$1,850	A+	1.5	4.69
State Farm	$2,041	A+	1.15	4.68
Allstate	$2,453	A+	1.26	4.62
Auto-Owners	$4,247	A+	0.39	4.44
Farmers	$3,394	A	0.89	4.42
Travelers	$5,425	A++	0.91	4.36
South Carolina Farm Bureau Mutual	$3,843	B++	0.17	4.2
USAA*	$2,374	A++	0.46	4.77

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

How to understand insurer ratings and complaint data

When choosing an insurer, you want to know if the company can pay your claim, and if customers are satisfied with it. Rating agencies track this data so you can make an informed decision at renewal.

Here are the two ratings that we have referred to:

AM Best: A global agency that rates insurers based on their financial strength and ability to pay claims. A higher score means the company is more financially stable.
NAIC Complaint Index: The National Association of Insurance Commissioners tracks consumer complaints. A score below 1.00 means fewer complaints than expected for a company of that size, while a score above 1.00 means more complaints than expected.

What factors affect your home insurance rate?

Home insurance is priced according to the risk an insurer associates with your property and personal profile. The factors that carry the most weight include:

Where you live. Crime levels, weather-related risks, and local claims activity all factor into your rate.
Your claims history. Having filed claims in the past generally leads to a higher premium going forward.
Your credit-based insurance score. Most states allow insurers to use credit as a pricing factor. A lower score can result in a higher rate, though states such as California and Massachusetts have restrictions on this practice.
Your coverage limits and deductible. Choosing higher coverage or a lower deductible will increase your annual cost.

Home insurance costs have also been rising nationally. S&P Global Market Intelligence’s RateWatch application found that premiums for owner-occupied homes increased by more than 11% in 2023.

Resources and Methodology

Sources:

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

Methodology

Insure.com worked with Quadrant Information Services to compile homeowners insurance data, analyzing 37,973,840 quotes from 75 company groups (134 companies) across 34,595 ZIP codes in all 51 states.

Rates are based on a sample homeowner profile with good credit and the following coverage:

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

The national average annual premium (non-hurricane deductible) is $2,543.

Company rankings factor in:

AM Best rating: 30%
NAIC score: 35%
Annual premium: 35%

All quoted rates are for comparison purposes and individual premiums may 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.