South Carolina homeowners insurance calculator

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Homeowners in South Carolina pay an average of $2,974 annually for home insurance. However, your actual premium will be determined by where you live, what it would cost to rebuild, the coverage limits you choose, and your deductible.

If you’re looking for a quick estimate, our South Carolina homeowners insurance calculator shows how your dwelling coverage, liability limits, and deductible levels each affect your premium. You can also see how different insurers compare against each other and against the state average.

Whether you’re in the process of buying a home, taking a fresh look at your existing policy, or simply trying to find a better rate, the calculator gives you a useful reference point before you start reaching out for quotes.

How can I lower my homeowners insurance premium in South Carolina?

Get quotes from more than one insurer – pricing for the same level of coverage can vary considerably from provider to provider.
Look at raising your deductible – a higher amount out of pocket in a claim generally results in a lower annual premium.
Combine your home and auto insurance with one provider to qualify for a multi-policy discount.
Consider installing safety features such as smoke alarms, deadbolt locks, or a monitored security system, which many insurers recognize with a discount.

How to use the South Carolina home insurance calculator

Our home insurance calculator is designed to produce a quick cost estimate for homeowners in South Carolina. Just enter a handful of details, and you’ll have a working figure to reference. Here’s what to input:

Select your state. Pick South Carolina to surface rates relevant to your location.
Enter your dwelling coverage amount. Base this on what it would realistically cost to rebuild your home from the ground up.
Choose your liability limit. This is the protection that covers you if a visitor is injured on your property or you cause damage to someone else’s belongings.
Set your deductible. This is the portion of any claim you’d cover yourself before your policy takes over.

After entering your information, the calculator will show you:

The average annual homeowners insurance rate in South Carolina
The highest and lowest rates in our dataset
A breakdown of insurers in South Carolina and their typical annual premiums

It’s a straightforward way to get a sense of your likely costs and identify which insurers are worth pursuing for a formal quote.

South-Carolina home insurance calculator

See how the average annual home insurance rates vary with the options chosen.

State

South Carolina

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Dwelling coverage

Liability coverage

Deductible

Standard ($2500)

Standard ($2500)Standard ($1000)$2,500 with 2% Hurricane deductible$1,000 with 2% Hurricane deductible

Average annual home insurance rates in
South Carolina

$2,449 Average rate

Average rate

$2,449/Yr

Lowest rate

$1,040/Yr

Highest rate

$3,378/Yr

Rates by carriers in South Carolina

Company	Average annual rate
Allstate	$1,040
State Farm	$1,905
Progressive	$1,930
USAA	$2,217
Travelers	$2,814
Auto-Owners	$3,116
South Carolina Farm Bureau Mutual	$3,188
Farmers	$3,378

Methodology

Insure.com commissioned Quadrant Information Systems to analyse home insurance rates from major insurers in the U.S. The analysis includes over 37 million quotes from 134 companies across more than 34,000 ZIP codes, using standardized coverage levels to calculate national averages. The homeowner profile is a 35-year-old married applicant with excellent insurance score; new business HO3 policy for house built in 2000 with frame construction and composition roof. Other Structures: 10%. Loss of Use defaulted: 10%. Guest Medical limit: $5,000. Deductible limit: $1,000. Personal property: 50% of dwelling coverage for replacement value

Key Takeaways

The average cost of homeowners insurance in South Carolina is $2,974 per year, more expensive than the national average of $2,612.
Your premium will vary based on your home’s location, age, size, rebuilding cost and the coverage limits you choose.
Standard homeowners policies don’t cover floods, earthquakes or other climate-related disasters – you’ll need separate coverage if you live in a high-risk area.
Rates vary significantly by insurer, so comparing quotes is one of the most effective ways to lower your premium.

What affects your homeowners insurance premium?

Several factors determine what you’ll pay, including where your home is located, its age and construction, your claims history and the coverage options you select.

Dwelling coverage. The estimated cost to rebuild your home, based on its size, materials, and local construction prices.
Liability coverage. Helps cover costs if someone is injured on your property or if you accidentally damage someone else’s property.
Deductible. The amount you pay out of pocket before insurance kicks in. Choosing a higher deductible can lower your premium, but it also means more costs upfront if you file a claim.

Check your credit score

Depending on your state and whether they allow credit score to be taken into account in determining your premium, a credit score can dramatically impact your premium.

While not permitted in all states, insurers in many states use credit-based insurance scores as a rating factor, so paying bills on time and keeping debt low can work in your favor.

How does dwelling coverage affect homeowners insurance in South Carolina?

Dwelling coverage is what funds the repair or rebuilding of your home after a covered loss. The coverage amount you select has a direct bearing on your premium – higher coverage generally means higher costs. That said, it’s important to choose an amount that would genuinely cover a full rebuild, so you’re not left short if a major loss occurs.

The table below shows average annual and monthly premiums at various dwelling coverage levels.

Dwelling coverage	Average annual rate	Average monthly rate
$200,000	$2,170	$181
$300,000	$2,974	$248
$400,000	$3,785	$315
$600,000	$5,454	$455
$1,000,000	$8,657	$721

Average cost of homeowners insurance in South Carolina

Homeowners in South Carolina pay an average of $2,974 per year for home insurance, which is more expensive than the national average of $2,612.

That figure is based on a standard policy with:

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

Your actual premium could be higher or lower depending on your home’s location, age, size, and estimated rebuilding cost.

Average cost of home insurance in major South Carolina cities

Homeowners insurance costs in South Carolina can look very different depending on where you live. Homeowners in Rock Hill pay some of the lowest rates in the state, while those in Mount Pleasant pay some of the highest.

The table below highlights the average annual rates in major cities across South Carolina.

City	Average annual rate	Average monthly rate
Charleston	$3,896	$325
Columbia	$2,644	$220
Florence	$3,271	$273
Goose Creek	$3,749	$312
Greenville	$2,274	$190
Mount Pleasant	$4,227	$352
North Charleston	$3,715	$310
Rock Hill	$2,239	$187
Summerville	$3,523	$294
Sumter	$3,157	$263

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 do natural disasters affect homeowners insurance rates in South Carolina?

Where your home sits on the map directly affects what you pay for insurance. Homes in areas prone to flooding, wildfires, hurricanes or tornadoes tend to carry higher premiums because they’re more likely to result in large claims.

What’s equally important to know is that standard homeowners policies don’t cover these events. Depending on your location, you may need separate policies or endorsements for:

Flooding
Wildfires
Hurricanes
Tornadoes

Adding this coverage raises your premium, but it also means you won’t be left covering major losses out of pocket after a disaster.

What is a hurricane deductible, and how does it impact home insurance rates in South Carolina?

A hurricane deductible is a separate deductible on your homeowners insurance policy that only applies to hurricane damage. While the standard policy deductible is a fixed amount, the hurricane insurance deductible is usually a percentage of the dwelling coverage, often up to 10%.

Compare the rates below with and without a 2% hurricane deductible. If your policy excludes a hurricane deductible and you live in a hurricane-prone area, hurricane damage won’t be covered at all. Always review your policy details carefully to ensure you have the protection you need.

Average rates with hurricane deductible	Average rates w/o hurricane deductible
$2,974	$2,648

What our expert says

Q: What additional coverage should homeowners buy?

Amy BachExecutive Director of United Policyholders

“For those who live near any body of water or at the base of a hill, get a quote for flood insurance.”

Frequently asked questions

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

Homeowners in South Carolina pay an average of $2,974 per year. Your individual premium will depend on your home’s location, construction type, age, replacement cost, and the coverage limits and deductible you choose.

How much homeowners insurance coverage do I need in South Carolina?

Dwelling coverage should be set at a level that would cover a complete rebuild of your home. For liability, choose a limit that adequately protects your financial assets if you’re held responsible for injury or property damage. Homeowners with considerable savings or valuable assets may want to consider higher limits or additional endorsements.

Does increasing my deductible lower homeowners insurance costs?

It does. A higher deductible shifts more of the initial claim cost to you, which allows insurers to offer a lower premium in return. Before raising your deductible, make sure the amount you’d owe in a claim is something you could realistically manage out of pocket.

Methodology

Insure.com commissioned homeowners insurance rates from Quadrant Data Services in late 2025, covering policies with dwelling coverage ranging from $200,000 to $1 million and liability coverage of $100,000 and $300,000. Sample rates were based on a $1,000 deductible and a 2% hurricane deductible where applicable.

Calculate home insurance premium in other states

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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.