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: January 16, 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 monthIn South Carolina, the average cost of renters insurance is $25 per month. However, the exact premiums may vary based on factors like your location, the value of your belongings, and the amount of coverage you choose. It’s always a good idea to compare quotes from multiple insurers to ensure you get the best deal.Average renters ins cost per monthDifference compared to national average$25$3 moreAverage renters insurance cost in South Carolina by companyAuto-Owners offers the most affordable renters insurance in South Carolina at an average annual rate of $173, followed by State Farm and Allstate, based on our data.However, you should get multiple quotes from various renters insurance companies in South Carolina because the prices vary greatly among carriers.Below, we have compared the average annual and monthly renters insurance rates of insurance companies across 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 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 levelThe 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 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$31Average cost of renters insurance in South Carolina by cityRenters insurance premiums can differ significantly depending on the city. To help you find the best policy for your needs, we’ve compiled a breakdown of average costs by city. Explore the typical renters insurance rates across various locations in South Carolina.Renters insurance rates vary from one city to another. But with Insure.com, finding the right renters insurance policy is easy. Learn more about renters insurance costs for different cities below. Renters insurance rates in South Carolina by cityCharlestonColumbiaMount PleasantNorth CharlestonRock HillAverage cost of renters insurance in South Carolina by ZIP codeThe cost of renters insurance in South Carolina varies by ZIP code. It’s important to note that the affordability of renters insurance can differ significantly depending on your location.To provide a more comprehensive overview, let’s see some of the most and least affordable ZIP codes for renters insurance in South Carolina.Most affordable ZIP codes for renters insurance in South CarolinaIn South Carolina, your ZIP code plays a major role in determining your premiums. Based on our data, 29696 is the most affordable ZIP code for renters insurance, with an average annual cost of $257.Comparing quotes from multiple insurers in South Carolina is a smart way to find the best renters insurance rates for your ZIP code.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$22Least affordable ZIP codes for renters insurance in South CarolinaYour ZIP code, among other factors, affects how much you pay for renters insurance in South Carolina. 29439 is the least affordable ZIP code for South Carolina renters at an average cost of $441 a year or $37 monthly.We have analyzed quotes from the major insurance carriers across all the ZIP codes in South Carolina. Below are the average annual renters insurance costs by ZIP code.ZIP codeCityAverage annual rateAverage monthly rate29439Folly Beach$441$3729403Charleston$393$3329585Pawleys Island$375$3129577Myrtle Beach$372$31 Final thoughts: Average renters insurance in South CarolinaRenters insurance is a must for South Carolina renters. It protects personal belongings from damage caused by fire, theft, vandalism and natural disasters, giving renters confidence and peace of mind.Finding the most affordable renters insurance requires shopping around and comparing quotes from multiple insurers. To make an informed choice, consider not just the price but also the coverage options, deductibles, and customer reviews.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 Explore other insurance options in South-Carolina Average homeowners insurance cost in South Carolina Average car insurance cost in South Carolina Non-owner auto insurance in South Carolina Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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Most Americans don’t 1/1 Related Articles Renters insurance calculator: How much renters insurance costs by state and city in 2025 By Shivani Gite Cost of living calculator By Nupur Gambhir Mobile home insurance cost and coverage in 2025 By Chris Kissell Best renters insurance companies in 2025 By Shivani Gite How to prevent tornado damage By Ashlee Tilford Does homeowners insurance cover code upgrades? By Nupur Gambhir 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