Home Home insurance Best home and auto bundle insurance Best and cheapest companies for home and auto bundles in South Carolina Best and cheapest companies for home and auto bundles in South Carolina State Farm offers the biggest bundling discount in South Carolina, saving drivers an average of 22%, while Allstate has the cheapest bundled premium at $3,978. View Carriers Please enter valid zip Compare top carriers in your area Written by Alisha AmbreAlisha AmbreAlisha 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.VIEW FULL PROFILE | Reviewed by Nupur GambhirNupur GambhirEditor-in-ChiefNupur Gambhir is the editor-in-chief of Insure.com and a licensed life, health and disability insurance agent in New York with seven years of experience covering insurance. Her expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Balance, The Financial Gym and MSN. She holds a BA in Economics from The Ohio State University.VIEW FULL PROFILESee moreSee less | Updated onMay 6, 2026 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Bundling home and auto insurance in South Carolina can save you money, but the best deal depends on whether you prioritize the biggest discount or the lowest overall premium. On average, State Farm offers the highest percentage savings, while Allstate delivers the cheapest bundled rates.Insurance companies vary widely in how they price bundles, so comparing multiple providers is key. The right choice depends on your home value, driving profile and where you live within South Carolina. What you need to know about bundling in South Carolina Bundling allows you to purchase home and auto insurance from the same company and receive a discount on your policies.State Farm has the highest bundle discount in South Carolina, averaging 22%The largest discount doesn’t always lead to the lowest total premiumYour ZIP code within South Carolina can significantly impact your savingsBundling is often more convenient and can save money, but it’s not always the cheapest option Which companies offer the best home and auto bundles in South Carolina? Here’s our pickAuto-Owners, Allstate and State Farm are among the best home and auto bundle companies in South Carolina, offering strong discounts, competitive bundled rates and high rankings for both auto and home insurance. The right choice for you will depend on whether you prioritize the biggest discount or the lowest final premium.We ranked companies based on the average bundle discount they offer in both dollar and percentage terms, along with their performance in auto and home insurance rankings. Based on those criteria, these are the best companies for bundling in South Carolina:Auto-OwnersThe average bundle discount at Auto-Owners is $714, or 14%. Most Auto-Owners policyholders can bundle home and auto under a single account, making the discount easy to access. Without the bundle discount, the average rate for home and auto is $5,135.AllstateThe average bundle discount at Allstate is $729, or 15%. For policyholders who carry both home and auto with Allstate, the bundle discount applies without requiring any changes to existing coverage. Before the discount, customers pay $4,707 for coverage.State FarmThe average bundle discount at State Farm is $1,227, or 22%. Bundling with State Farm means both policies share a single renewal date and the same claims team. The average combined rate before the discount is $5,458.TravelersThe average bundle discount at Travelers is $456, or 8%. The average combined rate before the discount is $5,373. People also ask: Who has the cheapest home and auto bundle in South Carolina?In South Carolina, Allstate offers the cheapest rates for home and auto bundle, with an average premium of $3,978.How much can you save by bundling home and auto insurance in South Carolina?On average, bundling home and auto insurance can save you about 17%, though your exact savings will depend on your coverage, location, and eligibility for discounts. How do home and auto bundle rates compare in South Carolina?Home and auto bundle rates in South Carolina can vary significantly by insurer. Some companies offer lower base premiums, while others provide larger discounts, and the difference between providers can be substantial. Comparing both the final price and the discount is key to finding the best deal.Here’s how rates and savings compare across top insurers in South Carolina:Company GroupAuto AM BestHome AM BestAuto PremiumHome PremiumAuto NAICHome NAICBundled PremiumOverall RatingAuto-OwnersA+A+$1,896$3,2390.440.39$4,4214.24AllstateA+A+$3,485$1,2221.201.26$3,9784.02State FarmA+A+$3,176$2,2820.871.15$4,2313.89TravelersA++A++$2,138$3,2350.630.91$4,9173.23Powered by: Bundle savings can vary more than you expect Two companies can offer similar discounts but very different final premiums depending on their base rates. Always request the combined annual total for both policies after discounts – not just the discount percentage – before deciding where to bundle. The insurer with the loudest bundle offer isn’t always the one with the lowest final bill. What is the cheapest home and auto bundles in South Carolina?Allstate offers the cheapest home and auto bundle in South Carolina, with the lowest overall premium. If you’re looking to maximize savings through discounts, State Farm provides the highest percentage reduction.A discount lowers the initial price of your policy, while total savings reflects the final amount you pay after all discounts are applied.The best option depends on whether you want the lowest total cost or the largest discount.Here’s how the cheapest bundle options compare in South Carolina:CompanyHome insurance premiumAuto insurance premiumPremium before BundlePremium after BundleAllstate$1,222$3,485$4,707$3,978State Farm$2,282$3,176$5,458$4,231Auto-Owners$3,239$1,896$5,135$4,421Travelers$3,235$2,138$5,373$4,917Powered by: Cheapest doesn’t always mean best value Lower premiums can sometimes come with reduced coverage limits, higher deductibles, or excluded protections that leave you exposed when you actually need to file a claim, which is a request you file with your insurance company to cover a loss or damage under your policy.Before choosing based on price, check three things: the liability limits, the deductible amounts, and what’s excluded from the policy. A quote that’s $200 cheaper per year but carries a $2,000 higher deductible isn’t a better deal – it’s a more expensive one the moment you need to use it. Which ZIP codes are most and least expensive in South Carolina?The most expensive ZIP code for home and auto bundles in South Carolina is 29577, with average rates of $5,971, while the cheapest is 29672, where premiums drop to $3,942. Rates can vary widely due to differences in risk, property values and local claims data.Where you live plays a major role in your insurance costs, affecting both base premiums and available discounts.Top ten most expensive ZIP codesThe most expensive ZIP code in South Carolina for home and auto insurance bundling is 29577 at an average rate of $5,971.See the 10 most expensive ZIP codes below.ZIP codeAverage auto and home after discount$ difference% difference29577$5,971$68110%29572$5,960$67910%29575$5,738$65610%29483$5,532$64910%29456$5,523$64610%29569$5,495$63510%29906$5,451$62810%29555$5,398$62910%29927$5,355$59410%29579$5,341$62210%Powered by:Top ten cheapest ZIP codesThe least expensive ZIP code in South Carolina for home and auto insurance bundling is 29672 at an average rate of $3,942.See the 10 least expensive ZIP codes below.ZIP codeAverage auto and home after discount$ difference% difference29672$3,942$48511%29693$3,992$48811%29640$4,019$49011%29678$4,021$49011%29651$4,052$49811%29642$4,062$49011%29650$4,064$49911%29708$4,081$50111%29715$4,106$50011%29745$4,117$49911%Powered by: Location can impact your premium more than you might expect Local risk factors such as weather exposure, crime rates and rebuilding costs can create significant price differences even within the same city. Two homes located close to each other but in different ZIP codes can have noticeably different premiums for identical coverage. Before assuming your rate is typical, check whether your ZIP code is driving it higher – and if you’re planning to move, compare insurance rates for your new address before finalizing your decision. 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 citySee rates in your cityCharlestonColumbiaMount PleasantNorth CharlestonRock HillHow we picked the best companies for home and auto bundlingWe analyzed home and auto insurance rates from Quadrant Data Services in 2025 for all 50 states and Washington, D.C. We also reviewed bundle discount percentages based on the average savings offered by each insurer. Pre- and post-bundle rates were calculated using these averages. Our analysis included 4 companies and 63 ZIP codes. Frequently asked questions about home and auto bundle insurance Is bundling home and auto insurance right for everyone in South Carolina? Bundling home and auto insurance in South Carolina can save money and make managing your policies easier, but it’s not always the cheapest option. Some insurers offer better rates when policies are purchased separately, so it’s worth comparing both options.Coverage can also vary between insurers, so make sure both policies meet your needs before bundling. Bundling is convenient, but not always the best deal. Comparing bundled and separate quotes is the best way to make sure you’re actually saving money.“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? Bundling home and auto insurance in South Carolina can save money and make managing your policies easier, but it’s not always the cheapest option. Some insurers offer better rates when policies are purchased separately, so it’s worth comparing both options.Coverage can also vary between insurers, so make sure both policies meet your needs before bundling. Bundling is convenient, but not always the best deal. Comparing bundled and separate quotes is the best way to make sure you’re actually saving money.“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.” What should you check before bundling home and auto insurance? Before bundling home and auto insurance, compare total costs, coverage details, and the insurer’s reputation. Make sure the company is licensed and offers reliable claims support, as the cheapest option may not provide the best overall value (Texas Department of Insurance, n.d.). Resources & Methodology Sources:Texas Department of Insurance, (2025). Shopping for auto insurance. May 2026. MethodologyInsure.com analyzed rates and discount averages provided by Quadrant Data Services across all 50 states and Washington, D.C., covering 29,159 cities and 34,595 ZIP codes.For auto insurance discounts, we analyzed 11,069,610 quotes in 2024 from 197 companies across 89 insurer groups. Rates reflect a 40-year-old male and female driving a 2023 Honda Accord LX with 100/300/100 liability limits, $500 collision and comprehensive deductibles, and 15,000 annual miles.For home insurance discounts, we reviewed 17,856,699 quotes in 2025 from 134 companies across 75 insurer groups, using a standardized homeowner profile with $300,000 dwelling coverage, a $1,000 deductible, and $100,000 liability.To rank companies, we developed a composite scoring model that balances cost, customer experience, and financial strength. Each insurer’s score is weighted as follows:Annual premium (35%) – average cost across auto and home datasetsNAIC (35%) – complaint index and customer experienceAM Best (30%) – financial strength and stabilityHow much is home and auto bundle insurance in other statesAlaska$3,766/YearAlabama$4,171/YearArkansas$4,303/YearArizona$3,494/YearCalifornia$3,605/YearColorado$4,655/YearConnecticut$4,165/YearWashington, D.C.$4,209/YearDelaware$2,995/YearFlorida$5,034/YearGeorgia$4,402/YearHawaii$2,297/YearIowa$3,357/YearIdaho$2,084/YearIllinois$2,823/YearIndiana$3,707/YearKansas$5,023/YearKentucky$4,319/YearLouisiana$5,444/YearMassachusetts$3,348/YearMaryland$3,055/YearMaine$1,925/YearMichigan$5,213/YearMinnesota$3,436/YearMissouri$5,235/YearMississippi$4,294/YearMontana$3,332/YearNorth Carolina$2,138/YearNorth Dakota$3,818/YearNebraska$5,170/YearNew Hampshire$2,285/YearNew Jersey$3,261/YearNew Mexico$3,695/YearNevada$3,040/YearNew York$4,832/YearOhio$3,343/YearOklahoma$5,012/YearOregon$2,817/YearPennsylvania$3,126/YearRhode Island$2,525/YearSouth Dakota$3,689/YearTennessee$4,177/YearTexas$5,665/YearUtah$2,742/YearVirginia$2,450/YearVermont$1,821/YearWashington$3,023/YearWisconsin$3,191/YearWest Virginia$3,395/YearWyoming$2,786/YearShow more states No matches are found You might find interesting Explore related topics Average homeowners insurance cost in South CarolinaBest and cheapest homeowners insurance companies in South CarolinaCost of Living in South Carolina in 2025How much does condo insurance cost in South Carolina in 2025?Average renters insurance cost in South Carolina 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. Explore other insurance options in South Carolina Average homeowners insurance cost in South Carolina Average car insurance cost in South Carolina Non-owner auto insurance in South Carolina In case you missed it What is HO-6 condo insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2026 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Hurricanes and home insurance: How hurricane insurance works How replacement cost coverage works when you file a claim How much do claims increase home insurance premiums? 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Here's our pickHow do home and auto bundle rates compare in South Carolina?What is the cheapest home and auto bundles in South Carolina?Which ZIP codes are most and least expensive in South Carolina?How we picked the best companies for home and auto bundlingFrequently asked questions about home and auto bundle insuranceResources & Methodology ZIP Code Please enter valid ZIP See rates (844) 761-9316