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 has the biggest auto and home bundling discount in South Carolina at an average of 26%, and also has the cheapest overall bundled rate at an average of $2,766 a year. View Carriers Please enter valid zip Compare top carriers in your area Written by Chris Kissell Chris Kissell 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. | Reviewed by Leslie Kasperowicz Leslie Kasperowicz Leslie Kasperowicz is an insurance expert and the executive editor of Insurance.com. Before joining QuinStreet, she was managing editor at Quote.com has a decade of experience writing about insurance. She also spent four years in customer service with Farmers Insurance. | Updated on: July 9, 2025 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. When you shop for home and auto insurance, some companies will have a better deal on bundled coverage than others. We compared multi-policy discounts from insurance companies in South Carolina to determine which will give you the biggest price break when you purchase multiple types of coverage.State Farm offers the biggest percentage break on your home and auto premiums in South Carolina when you bundle. Bundle your policies with this insurance company, and it will cut your costs by an average of 26%. Meanwhile, State Farm offers the cheapest overall rate when you bundle with the company in South Carolina. On average, you will pay $2,766 when you bundle. Key Takeaways In South Carolina, State Farm offers the biggest average discount of 26% on home and auto insurance bundles.Different companies offer varying discounts for bundling, so it’s worth shopping around.Where you live in the state can affect how much you save by bundling.Bundling is generally a good idea, but in a few situations, it might not save you money. How we picked the best companies for home and auto bundlingIn 2024, we analyzed home and auto insurance rates provided by Quadrant Data Services, focusing on the average bundling discounts each company offers. We calculated both pre and post bundling insurance costs based on these average discount rates to provide a clear view of potential savings. Our analysis encompassed data from 48 insurance companies across 4,686 ZIP codes, delivering a comprehensive look at bundling benefits nationwide.Our recommendation for the best home and auto bundles in South CarolinaInsure.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 FarmState 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-OwnersThe average bundle discount at Auto-Owners is $463, or 13%. Without a bundle discount, customers pay $3,603 for coverage. After the bundle discount, customers pay $3,140 on average. Auto-Owners ranked at No. 2 in our Best Auto Insurance Companies ranking and No. 3 in the Best Home Insurance Companies ranking.AllstateAllstate 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.TravelersThe average bundle discount at Travelers is $677, which is a 11% savings. The cost of home and auto insurance before the discount is $6,258, but it lowers to $5,581 after applying the discount.Compare home and auto bundles in South CarolinaThe 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.CompanyPremium after BundleAuto and home bundling (Survey)Home surveyA.M. Best Score% DifferenceOverall RatingState Farm$2,766 4787.4A++26%82.03Auto-Owners$3,140 4981.2A++13%64.53Allstate$3,473 3985A+14%62.46Travelers$5,581 4483.6A++11%52.82What company offers the cheapest home and auto bundle in South Carolina?State Farm provides the largest discount on premiums for bundled insurance, while State Farm offers the lowest overall rate when you bundle.CompanyHome insurance premiumAuto insurance premiumPremium before BundlePremium after BundleState Farm$2,076$1,664$3,740$2,766Auto-Owners$1,976$1,627$3,603$3,140Allstate$1,356$2,669$4,025$3,473Travelers$4,772$1,486$6,258$5,581Most and least expensive ZIP codes for home and auto insurance bundles in South CarolinaWhere 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 codesThe 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 codeAverage auto and home after discountAverage difference29225$4,69116%29222$4,63116%29555$4,33017%29010$4,11116%29102$4,03616%29483$4,02217%29153$4,02116%29154$3,92416%29044$3,92316%29512$3,92216%Least expensive ZIP codesThe most affordable ZIP code in South Carolina for bundling home and auto insurance is 29575, with an average rate of $3,369. Below are the 10 least expensive ZIP codes.ZIP codeAverage auto and home after discountAverage difference29575$3,36916%29577$3,39316%29902$3,41116%29906$3,44216%29572$3,46116%29707$3,48215%29715$3,49015%29803$3,51816%29672$3,51815%29708$3,52115% 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. MethodologyInsure.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 The best, cheapest car insurance in South CarolinaSouth Carolina car insurance calculatorNon-owner auto insurance in South Carolina: Which company has the cheapest rates?Cheapest SR-22 insurance in South Carolina How much is home and auto bundle insurance in other statesAlabama$2,543/YearArizona$2,478/YearArkansas$3,119/YearCalifornia$2,866/YearColorado$3,605/YearDelaware$1,952/YearFlorida$3,408/YearGeorgia$3,022/YearIdaho$1,993/YearIllinois$2,678/YearIndiana$2,437/YearIowa$2,564/YearKansas$3,865/YearKentucky$3,465/YearLouisiana$3,987/YearMaine$1,385/YearMaryland$2,935/YearMichigan$3,651/YearMinnesota$2,949/YearMississippi$3,255/YearMissouri$3,393/YearMontana$3,188/YearNebraska$4,496/YearNevada$2,442/YearNew Hampshire$1,615/YearNew York$3,450/YearNorth Carolina$1,823/YearNorth Dakota$3,244/YearOhio$2,229/YearOklahoma$4,641/YearOregon$1,701/YearPennsylvania$2,589/YearRhode Island$1,739/YearSouth Dakota$3,482/YearTennessee$2,843/YearUtah$1,972/YearVermont$1,553/YearVirginia$1,995/YearWashington$1,762/YearWashington, D.C.$2,506/YearWest Virginia$2,361/YearWisconsin$2,083/YearWyoming$2,619/YearShow moreChris KissellContributing 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. 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Autonomous cars: 5 delightful and 5 distressing things Busted! Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page How we picked the best companies for home and auto bundlingOur recommendation for the best home and auto bundles in South CarolinaCompare home and auto bundles in South CarolinaWhat company offers the cheapest home and auto bundle in South Carolina?Most and least expensive ZIP codes for home and auto insurance bundles in South CarolinaFrequently asked questions about home and auto bundle insuranceMethodology ZIP Code Please enter valid ZIP See rates (844)-645-3330