Home Renters insurance Renters insurance cost South Carolina Columbia, SC Average renters insurance cost in Columbia, SC The average cost of renters insurance in Columbia is $262 per year or $22 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: May 5, 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. In Columbia, SC, the average cost of renters insurance is $262 annually for $40,000 in personal property, $300,000 in liability and a $1,000 deductible. It is $10 less than the state average of $272 per year.Renters insurance costs can vary based on the coverage you choose and the amount of liability protection included in your policy. If you’re living in a rental, it’s a smart way to protect your personal belongings from things like fire, smoke, theft, vandalism, and other covered incidents. Let’s take a look at the cheapest renters insurance options in Columbia.Key TakeawaysThe average cost of renters insurance in Columbia is $262 annually or $22 monthly.The cheapest option for renters in Columbia is Auto-Owners, offering coverage at $14 per month.Renters can reduce their insurance costs by taking advantage of discounts, such as installing a security system or bundling policies.What is the average cost of renters insurance per month in Columbia?The average monthly cost of renters insurance in Columbia is $22, which is $1 less than the state average of $23. This rate is for a coverage limit of $40,000 in personal property, $300,000 in liability protection and a $1,000 deductible.Renters insurance rates vary by city depending on the coverage and the insurance company you choose. For example, renters in Columbia pay $15 monthly for $20,000 in personal property coverage with a $1,000 deductible. If you increase your personal property coverage to $40,000, the cost will rise by $7 more than.Higher coverage limits are recommended if you own valuable items like jewelry, furniture, and electronics.How much is renters insurance in Columbia by deductible?Renters insurance in Columbia costs an average of $202 per year for a $500 deductible and $20,000 in personal property coverage.The deductible is the amount you pay before your insurance coverage applies. By increasing your deductible, you can lower your insurance premium. For instance, raising your deductible from $500 to $1,000 will save you $16 annually.The table below shows renters insurance premiums for varying personal property coverage and deductible amounts.DeductibleRates with $20K personal property$40,000 personal property$60,000 personal property$500$202$283$364$1,000$186$262$337Note: The liability protection coverage is $100,000.Who offers cheap renters insurance in Columbia?Your search for the cheapest renters insurance company ends here.Auto-Owners offers the cheapest renters insurance in Columbia at $171 a year or $14 per month. According to our data, State Farm ranks second on our list followed by Allstate. Below are the average annual and monthly rates of the cheap renters insurance companies in Columbia, SC.Renter insurance providerAverage annual rateAverage per month rateAuto-Owners$171$14State Farm$210$18Allstate$218$18Farmers$356$30South Carolina Farm Bureau Mutual$358$30Travelers$667$56USAA$141$12Tips for reducing the cost of renters insuranceBelow are some tips to help you save on renters insurance in Columbia:Bundle policies. If you have other policies through the same insurer, such as car insurance, bundling it with the same provider can often earn you a discount. Many insurers in Columbia offer savings for bundling policies.Increase your deductible. Choosing a higher deductible can lower your premium, but ensure you’re prepared to cover the higher out-of-pocket costs if you need to file a claim.Choose the right coverage amount. Regularly review your renters insurance to avoid paying for more coverage than you need. For example, you might opt for lower personal property coverage if you don’t own high-value items.Limit small claims. Filing multiple small claims can drive up your rates. Consider paying for minor damages yourself to keep your premium low.Shop around for quotes. Don’t settle for the first offer. Compare renters insurance rates from multiple providers in Columbia to find the best coverage at the lowest price.Renters in Columbia, SC should purchase renters insurance to protect their personal belongings, provide liability coverage, and cover additional living expenses if their rental becomes uninhabitable due to a covered event. Premiums may differ based on location, coverage amount and individual circumstances, but the peace of mind it offers is worth the investment. You can get an affordable policy that fits your budget by assessing your coverage needs, comparing quotes and taking advantage of available discounts.MethodologyInsure.com, with the help of Quadrant Information Services, gathered data for renters insurance rates in Columbia for $40,000 personal property coverage, $300,000 liability coverage, and a $1,000 deductible. The data presented are those with a good credit tier alignment. How much is renters insurance in other citiesCharlestonMount PleasantNorth CharlestonRock HillShivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. 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 2025 What is dwelling coverage and how much do you need? 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By Les Masterson Guide to the insurance claims history report (CLUE) By Shivani Gite How to find a homeowners insurance policy By Shivani Gite On this page What is the average cost of renters insurance per month in Columbia?How much is renters insurance in Columbia by deductible?Who offers cheap renters insurance in Columbia?Tips for reducing the cost of renters insuranceMethodology ZIP Code Please enter valid ZIP See rates