Best and cheapest companies for home and auto bundles in South Carolina

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Some insurance companies offer better bundle deals than others when shopping for home and auto coverage. We’ve reviewed multi-policy discounts from South Carolina insurers to help you find the carriers that offer the most affordable rates after bundling.

In South Carolina, State Farm offers the highest percentage of savings on home and auto bundles. Bundling your policies with State Farm can help you save an average of 26%.

State Farm provides the lowest bundled rate in South Carolina, with an average cost of $2,766 for combining your home and auto policies.

Key Takeaways

In South Carolina, State Farm is the top choice for bundling home and auto insurance. It offers an average savings of 26%.
Some insurance companies offer more significant bundling discounts, so comparing quotes is a good idea.
Your ZIP code plays a major role in determining how much you can save on your home and auto insurance bundle.
Bundling is usually a smart move, but sometimes it might not be the best option.

How we picked the best companies for home and auto bundling

In 2024, we conducted an analysis of home and auto insurance rates across all 50 states and Washington, D.C. using data from Quadrant Data Services. We examined the average bundling discounts offered by various insurance companies, calculating both pre and post bundling rates based on these discounts. Our analysis covered 48 insurance companies and data from 4,686 ZIP codes, providing a comprehensive view of bundling benefits nationwide.

Our recommendation for the best home and auto bundles in South Carolina

Insure.com’s analysis ranked companies based on the average bundle discount they offer both in terms of dollar amount and percentage. Based on those criteria, these are the best companies for home and auto bundles in South Carolina.

State Farm

State Farm offers an average bundle discount of $974, which is a 26% savings on your premiums. Before the discount, the combined home and auto insurance cost is $3,740, and after applying the bundle discount, the total cost drops to $2,766.

Auto-Owners

Auto-Owners offers an average bundle discount of $463, or 13%. Before the bundle discount, you’ll pay an average of $3,603, which will decrease to $3,140 after the discount is applied.

Allstate

Allstate offers an average discount of $552 when you bundle your auto and home insurance, which is about 14%. Without the discount, the average cost is $4,025, but with the discount, it drops to $3,473.

Travelers

Travelers offers an average bundle discount of $677, which is about 11%. Without the discount, the combined cost of home and auto insurance is $6,258. After applying the discount, the total cost drops to $5,581.

Compare home and auto bundles in South Carolina

The amount you can save on home and auto insurance with a bundle in South Carolina varies by company. Here is a breakdown of the rates and savings with top companies.

Company	Premium after Bundle	Auto and home bundling (Survey)	Home survey	A.M. Best Score	% Difference	Overall Rating
State Farm	$2,766	47	87.4	A++	26%	82.03
Auto-Owners	$3,140	49	81.2	A++	13%	64.53
Allstate	$3,473	39	85	A+	14%	62.46
Travelers	$5,581	44	83.6	A++	11%	52.82

What company offers the cheapest home and auto bundles in South Carolina?

If you bundle your policies, State Farm gives you the highest discount. State Farm has the lowest overall rate for bundling.

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
State Farm	$2,076	$1,664	$3,740	$2,766
Auto-Owners	$1,976	$1,627	$3,603	$3,140
Allstate	$1,356	$2,669	$4,025	$3,473
Travelers	$4,772	$1,486	$6,258	$5,581

Most and least expensive ZIP codes for home and auto insurance bundles in South Carolina

Where you live can help to determine how big of a discount you will get for bundling coverage, and also the base rates from which that discount is taken. Here are the most and least expensive ZIP codes in South Carolina for policyholders who bundle their coverage:

Most expensive ZIP codes

The most expensive ZIP code in South Carolina for bundling home and auto insurance is 29225, with an average cost of $4,691. Here are the 10 most expensive ZIP codes:

ZIP code	Average auto and home after discount	Average difference
29225	$4,691	16%
29222	$4,631	16%
29555	$4,330	17%
29010	$4,111	16%
29102	$4,036	16%
29483	$4,022	17%
29153	$4,021	16%
29154	$3,924	16%
29044	$3,923	16%
29512	$3,922	16%

Least expensive ZIP codes

The least expensive ZIP code in South Carolina for bundling home and auto insurance is 29575, with an average cost of $3,369. Here are the 10 cheapest ZIP codes:

ZIP code	Average auto and home after discount	Average difference
29575	$3,369	16%
29577	$3,393	16%
29902	$3,411	16%
29906	$3,442	16%
29572	$3,461	16%
29707	$3,482	15%
29715	$3,490	15%
29803	$3,518	16%
29672	$3,518	15%
29708	$3,521	15%

Frequently asked questions about home and auto bundle insurance

Is bundling home and auto insurance right for everyone in South Carolina?

Bundling your coverage can be one of the best ways to save on insurance. It also can be convenient to have all of your coverage with the same insurer. By bundling, you have one insurance company and can check all your coverages on a single website.

However, bundling might not always be the wisest option. For example, an insurer that offers a great deal on auto insurance might charge higher rates on homeowners insurance. In such a circumstance, you might be better off purchasing your auto insurance from one insurer and your homeowners coverage from another.

In addition, it is possible that an insurer might offer the coverage options you need for one type of insurance but not for the other.

Rather than simply assuming that a bundle is your best deal, it always pays to shop around.

“Remember when buying insurance that you’re doing so to protect your most valuable assets,” says Christine O’Brien, president of the Insurance Council of New Jersey. “Take the time to learn about policy limits and coverages and get several quotes.”

How can you switch to a home and auto bundle in South Carolina?

Switching to a bundle is easy. Many people make this change when one of their policies is up for renewal. For example, if your auto insurance is with one company and your homeowners insurance is with another, you can decide to bundle your coverage with a single insurer the next time the coverage term for one of the two policies ends.

However, you do not have to wait until renewal to bundle your policies. If you decide to cancel one of your policies prior to the end of its coverage term, you should receive a refund for the months you will no longer be insured with the company.

If you decide to end coverage on one of your policies, be careful not to do so until you are sure your new coverage is in place and has been activated.

Methodology

Insure.com analyzed rates and discount averages provided by Quadrant Data Services in 2024 fielded from all 50 states and Washington, D.C. Rates were compared based on average home and auto premiums before bundling and after bundling based on the average multi-policy discount offered by each insurance company. The average total rate after the discount was calculated by subtracting a dollar amount equal to the average discount percentage from the pre-discount total rate.

You might find interesting

How much is home and auto bundle insurance in other states

Alabama$2,543/Year

Arizona$2,478/Year

Arkansas$3,119/Year

California$2,866/Year

Colorado$3,605/Year

Delaware$1,952/Year

Florida$3,408/Year

Georgia$3,022/Year

Idaho$1,993/Year

Illinois$2,678/Year

Indiana$2,437/Year

Iowa$2,564/Year

Kansas$3,865/Year

Kentucky$3,465/Year

Louisiana$3,987/Year

Maine$1,385/Year

Maryland$2,935/Year

Michigan$3,651/Year

Minnesota$2,949/Year

Mississippi$3,255/Year

Missouri$3,393/Year

Montana$3,188/Year

Nebraska$4,496/Year

Nevada$2,442/Year

New Hampshire$1,615/Year

New York$3,450/Year

North Carolina$1,823/Year

North Dakota$3,244/Year

Ohio$2,229/Year

Oklahoma$4,641/Year

Oregon$1,701/Year

Pennsylvania$2,589/Year

Rhode Island$1,739/Year

South Dakota$3,482/Year

Tennessee$2,843/Year

Utah$1,972/Year

Vermont$1,553/Year

Virginia$1,995/Year

Washington$1,762/Year

West Virginia$2,361/Year

Wisconsin$2,083/Year

Wyoming$2,619/Year

Chris Kissell

Contributing Researcher

Specializing in insurance and personal finance, Chris Kissell is a writer and editor whose work has been featured at Forbes, U.S. News & World Report, MSN Money, Fox Business, Yahoo Finance, Bankrate and Money Talks News. He is based in Denver.

On this page

How we picked the best companies for home and auto bundling
Our recommendation for the best home and auto bundles in South Carolina
Compare home and auto bundles in South Carolina
What company offers the cheapest home and auto bundles in South Carolina?
Most and least expensive ZIP codes for home and auto insurance bundles in South Carolina
Frequently asked questions about home and auto bundle insurance
Methodology