insure logo

Why you can trust Insure.com

quality icon

Quality Verified

At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain our editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria.

Whether you’re buying a new or existing home or want to best protect the property you currently own, it’s important to have sufficient homeowners insurance coverage in place. But these policies can get expensive, depending on your coverage inclusions and level.

Safeco provides the cheapest homeowners insurance with an average cost of $2,465 per year.

To help you save money on homeowners insurance, we’ve researched the industry and can suggest three particular insurers with the most affordable coverage on average in South Carolina. Read on for our recommendations and tips for shopping around and saving money on homeowners insurance.

Key Takeaways

  • At $205 per month, Safeco offers the cheapest homeowners insurance in South Carolina with $300,000 dwelling coverage, $300,000 liability protection and $1,000 deductible.
  • After Safeco, Allstate and Nationwide offer cheaper homeowners insurance in South Carolina.
  • Amongst all the large cities surveyed by Insure.com in South Carolina, the city with zip code 29605 offers the cheapest homeowners insurance at $176 per month or $2,106 annually.

Cheap homeowners insurance companies in South Carolina

Safeco, Allstate and Nationwide have the lowest average home insurance rates with $300,000 dwelling and $300,000 liability coverage with a $1,000 deductible.

Here are the average South Carolina homeowners insurance rates by company. You may wonder: How much is homeowners insurance a month in South Carolina? We included those averages, too:

CompanyAverage annual premiumAverage monthly premium
Safeco$2,465$205
Allstate$2,477$206
Nationwide$2,736$228
Allied$2,753$229
Travelers$2,760$230
USAA$2,800$233
State Farm$3,029$252
South Carolina Farm Bur$3,135$261
Foremost$5,021$418
LM Insurance$5,120$427

Compare cheap homeowners insurance in South Carolina by ratings

It’s always wise to shop around and compare prices before you buy your home insurance. There are many factors that go into deciding the best homeowners insurance company. We have compared the insurers in South Carolina using their J.D. Power score and AM Best rating and put together a list of the cheap homeowners insurance companies.

CompanyJ.D. Power scoreAM Best rating
USAA882A++
State Farm835A++
Allstate829A+
Nationwide812A+
Safeco810A
Travelers800A++

How much is home insurance in South Carolina

The average South Carolina homeowners insurance is $2,678 for a policy with $300,000 dwelling coverage and $300,000 liability with a $1,000 deductible. Experts recommend at least $300,000 liability coverage to protect your home against lawsuits. The average South Carolina home insurance costs are $373 more than the national average.

Actual home insurance costs vary depending on multiple metrics, including location, claims history and discounts, such as auto and home bundling.

For instance, home insurance premiums are partially based on the home’s claims history (even from before you bought the property) and your neighbor’s claims history.

Homeowners insurance companies decide upon rates based on risks. If your neighborhood has seen many claims over the past few years, you can expect to pay higher home insurance rates than an area with few to no claims. Your credit score can also play a role in your home insurance costs.

Average annual premiumAverage monthly premium
$2,678$223

Cheapest homeowners insurance in South Carolina by ZIP code

Not every city in South Carolina have the same home insurance costs. The price of homeowners insurance depends on a lot of different factors and one of them is your zip code. The least expensive zip code for home insurance in South Carolina is 29605 with an average annual premium of $2,106 per year.

Find below the homeowners insurance annual and monthly rate for your zip code.

ZIP codeAverage annual premiumAverage monthly premium
29605$2,106$176
29732$2,119$177
29601$2,120$177
29617$2,121$177
29650$2,123$177
29615$2,135$178
29613$2,136$178
29710$2,137$178
29680$2,141$178
29708$2,143$179
29673$2,145$179
29607$2,146$179
29609$2,149$179
29730$2,150$179
29611$2,154$180

Know how much is home insurance in other states

Alaska$1,799/Year
Alabama$2,981/Year
Arkansas$3,439/Year
Arizona$1,976/Year
California$1,166/Year
Colorado$3,082/Year
Connecticut$1,961/Year
Washington D.C.$1,488/Year
Delaware$1,521/Year
Florida$3,439/Year
Georgia$2,555/Year
Hawaii$499/Year
Iowa$2,540/Year
Idaho$1,842/Year
Illinois$2,201/Year
Indiana$2,423/Year
Kansas$3,931/Year
Kentucky$2,862/Year
Louisiana$3,270/Year
Massachusetts$1,920/Year
Maryland$1,518/Year
Maine$1,833/Year
Michigan$2,153/Year
Minnesota$3,010/Year
Missouri$3,111/Year
Mississippi$3,340/Year
Montana$2,809/Year
North Carolina$2,009/Year
North Dakota$2,601/Year
Nebraska$3,133/Year
New Hampshire$1,455/Year
New Jersey$1,744/Year
New Mexico$2,299/Year
Nevada$1,486/Year
New York$1,840/Year
Ohio$2,107/Year
Oklahoma$4,445/Year
Oregon$1,608/Year
Pennsylvania$1,720/Year
Rhode Island$2,125/Year
South Dakota$3,172/Year
Tennessee$2,692/Year
Texas$3,429/Year
Utah$1,378/Year
Virginia$1,956/Year
Vermont$1,212/Year
Washington$1,514/Year
Wisconsin$1,732/Year
West Virginia$2,486/Year
Wyoming$2,083/Year
Show more
author image
Les Masterson
Contributor

 
  

Les, a former managing editor, insurance, at QuinStreet, has more than 20 years of experience in journalism. In his career, he has covered everything from health insurance to presidential politics.

Go To Top