Average Renters Insurance Cost in South Carolina

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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 month

In South Carolina, the average monthly cost of renters insurance is $25. However, premiums can differ depending on factors such as your rental’s location, the value of your personal belongings and the level of coverage you select. Experts recommend comparing quotes from different insurance companies to find the best deal.

Average renters ins cost per month	Difference compared to national average
$25	$3 more

Average renters insurance cost in South Carolina by company

Renters in South Carolina can find the most budget-friendly insurance with Auto-Owners, which has an average annual cost of $173, according to our data. Other affordable options include State Farm and Allstate.

It’s a good idea to gather quotes from at least three insurance providers, as each company calculates premiums differently.

Below are the average annual and monthly renters insurance rates from various insurers in South Carolina.

Company	Average annual rate	Average monthly rate
Auto-Owners	$173	$14
State Farm	$247	$21
Allstate	$265	$22
Farmers	$383	$32
South Carolina Farm Bureau Mutual	$402	$34
Travelers	$700	$58
USAA*	$169	$14

*USAA is only available to military community members and their families.

Renters insurance calculator in South Carolina

$272/year

Estimated renters insurance rates in South Carolina

$23

Monthly renters insurance cost in South Carolina

10%

Compared to national average

Average cost of renters insurance in South Carolina by coverage level

The average annual cost of renters insurance in South Carolina is $294, with a personal property coverage limit of $40,000, $300,000 in liability coverage and a $1,000 deductible.

However, if you lower your personal property coverage from $40,000 to $20,000, you can expect to pay $214 a year for renters insurance in South Carolina. Make sure $20,000 is enough to cover your belongings before deciding to adjust your coverage.

The table below shows the average annual renters insurance costs in South Carolina for personal property coverage of $20,000 and $40,000.

Coverage level	Average annual renters insurance rate	Average 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	$31

Average cost of renters insurance in South Carolina by city

Renters 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 city

See rates in your city

Average cost of renters insurance in South Carolina by ZIP code

Renters 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 Carolina

The amount South Carolina renters pay for insurance largely depends on their ZIP code. Among all the ZIP codes analyzed, 29696 is the state’s most affordable ZIP for renters insurance, with an average annual premium of $257.

Since rates differ by ZIP code, comparing quotes is one of the simplest ways to get the most affordable renters insurance policy in South Carolina.

ZIP code	City	Average annual rate	Average monthly rate
29696	West Union	$257	$21
29650	Greer	$257	$21
29127	Prosperity	$258	$21
29672	Seneca	$258	$21
29691	Walhalla	$258	$21
29607	Greenville	$259	$22
29693	Westminster	$259	$22
29803	Aiken	$260	$22
29075	Little Mountain	$260	$22
29108	Newberry	$260	$22

Least affordable ZIP codes for renters insurance in South Carolina

29439 is the most expensive ZIP code for renters insurance in South Carolina, at an average cost of $441 annually or $37 monthly.

We’ve gathered and analyzed quotes from major insurance companies across all ZIP codes in South Carolina. The table below shows the average annual renters insurance rates by ZIP code.

ZIP code	City	Average annual rate	Average monthly rate
29439	Folly Beach	$441	$37
29403	Charleston	$393	$33
29585	Pawleys Island	$375	$31
29577	Myrtle Beach	$372	$31

Final thoughts: Average renters insurance in South Carolina

Renters 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 Gite

Contributing 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.