Home Renters insurance Renters insurance cost Average renters insurance cost in South Carolina Average renters insurance cost in South Carolina Discover the average cost of renters insurance in South Carolina and how factors like location and coverage levels can impact your rate. 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: June 30, 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. Renters insurance costs in South Carolina vary depending on your coverage level, insurance provider, and personal circumstances. On average, renters in South Carolina pay $294 per year or $25 per month for a policy that includes $40,000 in personal property coverage, $300,000 in liability protection and a $1,000 deductible. Key Takeaways The average cost of renters insurance in South Carolina is $294 per year or $25 per month.Auto-Owners provides the least expensive renters insurance in South Carolina at an average rate of $173 annually.Renters insurance rates can vary significantly among insurance companies. Compare quotes to find the best deal on renters insurance in South Carolina. Average renters insurance cost in South Carolina per monthThe average cost of renters insurance in South Carolina is $25 per month. Your premium may vary depending on your location, the value of your belongings, and the coverage limits you select. It’s recommended that you compare multiple insurance quotes to find the best price.Average renters ins cost per monthDifference compared to national average$25$3 morePowered by:Average renters insurance cost in South Carolina by companyAccording to our data, Auto-Owners provides the most affordable renters insurance in South Carolina, with an average annual rate of $173, followed by State Farm and Allstate.Getting quotes from multiple renters insurance companies in South Carolina is a good idea, as prices can differ significantly among insurers.Below, you can find average annual and monthly renters insurance rates from various companies in South Carolina.CompanyAverage annual rateAverage monthly rateAuto-Owners$173$14State Farm$247$21Allstate$265$22Farmers$383$32South Carolina Farm Bureau Mutual$402$34Travelers$700$58USAA*$169$14*USAA is only available to military community members and their families.Powered by: Renters insurance calculator in South Carolina Select your state South Carolina Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington, D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Personal property coverage Covers your personal belongings, such as your furniture, electronics, clothing, artwork, etc. Choose the amount you believe would cover all of your belongings. $40,000 $20,000 $40,000 $60,000 Liability Covers the medical expenses of people who are hurt while in your home or on your property, as well as damage you caused to others’ property. Also covers legal fees if you are sued by someone hurt in your home or on your property. Limits of $300,000 or $500,000 are recommended. $300,000 $100,000 $300,000 Deductible Choose the amount you want to pay out-of-pocket before insurance kicks in. This applies to your dwelling and personal belongings claims. $1,000 $500 $1,000 Calculate $272/year Estimated renters insurance rates in South Carolina $23 Monthly renters insurance cost in South Carolina 10% Compared to national average Get quotes Average cost of renters insurance in South Carolina by coverage levelAs we discussed above, the average cost of renters insurance in South Carolina is $294 per year. These rates are for a coverage level of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible.However, if you lower the personal property coverage from $40,000 to $20,000, you will pay $214 per year for renters insurance in South Carolina, which provides $300,000 in liability protection with a $1000 deductible.Below are the average renters insurance costs in South Carolina for personal property coverage amounts of $20,000 and $40,000.Coverage levelAverage annual renters insurance rateAverage monthly renters insurance rate$20,000 with $500 Deductible and $100,000 Liability$209$17$20,000 with $500 Deductible and $300,000 Liability$230$19$20,000 with $1,000 Deductible and $100,000 Liability$193$16$20,000 with $1,000 Deductible and $300,000 Liability$214$18$40,000 with $500 Deductible and $100,000 Liability$294$25$40,000 with $500 Deductible and $300,000 Liability$316$26$40,000 with $1,000 Deductible and $100,000 Liability$272$23$40,000 with $1,000 Deductible and $300,000 Liability$294$25$60,000 with $500 Deductible and $100,000 Liability$378$32$60,000 with $500 Deductible and $300,000 Liability$402$34$60,000 with $1,000 Deductible and $100,000 Liability$351$29$60,000 with $1,000 Deductible and $300,000 Liability$375$31Powered by:Average cost of renters insurance in South Carolina by cityRenters insurance premiums can vary widely between cities. To help you choose the right policy, we’ve compiled average costs by location. Explore renters insurance rates across various cities in South Carolina and find the best fit for your budget.Renters insurance rates in South Carolina by cityCharlestonColumbiaMount PleasantNorth CharlestonRock HillAverage cost of renters insurance in South Carolina by ZIP codeRenters insurance costs in South Carolina vary by ZIP code. Below, we’ll cover which ZIP codes have the most affordable coverage and which areas have the highest premiums.Most affordable ZIP codes for renters insurance in South CarolinaHow much South Carolina renters pay for insurance depends on the ZIP code they live in. 29696 is the most affordable ZIP code for renters insurance in South Carolina among all the ZIP codes analyzed, at $257 a year on average.Rates vary by ZIP code, so comparing quotes is one of the easiest ways to get the best deal on renters insurance in South Carolina.ZIP codeCityAverage annual rateAverage monthly rate29696West Union$257$2129650Greer$257$2129127Prosperity$258$2129672Seneca$258$2129691Walhalla$258$2129607Greenville$259$2229693Westminster$259$2229803Aiken$260$2229075Little Mountain$260$2229108Newberry$260$22Powered by: Least affordable ZIP codes for renters insurance in South CarolinaAmong the ZIP codes analyzed by Insure.com, the least affordable ZIP code for renters insurance in South Carolina is 29439, with an average cost of $441 a year or $37 monthly.We analyzed quotes from multiple insurance providers across every ZIP code in South Carolina. Below, you’l find the average annual renters insurance premiums broken down by ZIP code.ZIP codeCityAverage annual rateAverage monthly rate29439Folly Beach$441$3729403Charleston$393$3329585Pawleys Island$375$3129577Myrtle Beach$372$31Powered by:Final thoughts: Average renters insurance in South CarolinaRenters insurance is essential for residents of South Carolina. It safeguards possessions against damage from fire, theft, vandalism, and natural disasters, ensuring protection in unforeseen circumstances.To get the best renters insurance at an affordable price, shop around and compare quotes from various insurance carriers. In addition to insurance premiums, consider factors such as coverage options, deductibles, and customer reviews to make an informed decision.Shivani 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. How much is renters insurance in other statesAlaska$257/YearAlabama$324/YearArkansas$363/YearArizona$260/YearCalifornia$271/YearColorado$191/YearConnecticut$292/YearDelaware$181/YearFlorida$248/YearGeorgia$352/YearHawaii$247/YearIowa$203/YearIdaho$184/YearIllinois$246/YearIndiana$269/YearKansas$251/YearKentucky$207/YearLouisiana$504/YearMassachusetts$262/YearMaryland$256/YearMaine$198/YearMichigan$340/YearMinnesota$211/YearMissouri$231/YearMississippi$387/YearMontana$275/YearNorth Carolina$366/YearNorth Dakota$192/YearNebraska$295/YearNew Hampshire$173/YearNew Jersey$207/YearNew Mexico$201/YearNevada$246/YearNew York$293/YearOhio$252/YearOklahoma$281/YearOregon$288/YearPennsylvania$274/YearRhode Island$476/YearSouth Dakota$202/YearTennessee$290/YearTexas$226/YearUtah$204/YearVirginia$235/YearVermont$182/YearWashington$222/YearWisconsin$167/YearWest Virginia$248/YearWyoming$136/YearShow more You might find interesting Average homeowners insurance cost in South CarolinaBest and cheapest homeowners insurance companies in South CarolinaHow much does condo insurance cost in South Carolina in 2025? 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Most Americans don’t 1/1 Related Articles Cost of living comparison by state By Chris Kissell Homeowners insurance calculator: Estimate the cost of homeowners insurance By Jessica Olson Hurricane insurance costs in Florida: What you should expect By Sarah Sharkey Home insurance for older homes with knob and tube wiring By Erik Martin Home replacement cost calculator By Nupur Gambhir How to find a homeowners insurance policy By Shivani Gite On this page Average renters insurance cost in South Carolina per monthAverage renters insurance cost in South Carolina by companyAverage cost of renters insurance in South Carolina by coverage levelAverage cost of renters insurance in South Carolina by cityAverage cost of renters insurance in South Carolina by ZIP codeFinal thoughts: Average renters insurance in South Carolina ZIP Code Please enter valid ZIP See rates (844) 761-9316