Average Renters Insurance Cost in South Carolina

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Renters insurance costs in South Carolina vary depending on various factors, including the coverage amount, insurance company and individual circumstances. The average cost of renters insurance in South Carolina is $314 per year or $26 per month for a coverage limit of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible. These are average rates, and actual premiums may differ.

Key Takeaways

The average cost of renters insurance in South Carolina is $314 per year or $26 per month.
Auto-Owners provides the least expensive renters insurance in South Carolina at an average rate of $158 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 cost of renters insurance is $26 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 month	Difference compared to national average
$26	$2 more

Average renters insurance cost in South Carolina by company

Auto-Owners offers the most affordable renters insurance in South Carolina at an average annual rate of $158, 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.

Company	Average annual rate	Average monthly rate
Auto-Owners	$158	$13
State Farm	$272	$23
Allstate	$278	$23
Farmers	$370	$31
South Carolina Farm Bureau Mutual	$405	$34
Travelers	$861	$72
USAA*	$173	$14

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

Renters insurance calculator in South Carolina

$292/year

Estimated renters insurance rates in South Carolina

$24

Monthly renters insurance cost in South Carolina

Compared to national average

Average cost of renters insurance in South Carolina by coverage level

As we discussed above, the average cost of renters insurance in South Carolina is $314 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 $228 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 level	Average annual renters insurance rate	Average monthly renters insurance rate
$20,000 with $500 Deductible and $100,000 Liability	$223	$19
$20,000 with $500 Deductible and $300,000 Liability	$244	$20
$20,000 with $1,000 Deductible and $100,000 Liability	$207	$17
$20,000 with $1,000 Deductible and $300,000 Liability	$228	$19
$40,000 with $500 Deductible and $100,000 Liability	$315	$26
$40,000 with $500 Deductible and $300,000 Liability	$337	$28
$40,000 with $1,000 Deductible and $100,000 Liability	$292	$24
$40,000 with $1,000 Deductible and $300,000 Liability	$314	$26
$60,000 with $500 Deductible and $100,000 Liability	$406	$34
$60,000 with $500 Deductible and $300,000 Liability	$431	$36
$60,000 with $1,000 Deductible and $100,000 Liability	$377	$31
$60,000 with $1,000 Deductible and $300,000 Liability	$402	$33

Average cost of renters insurance in South Carolina by city

Renters insurance rates can vary widely between cities. To make finding the right policy easier, we’ve broken down the costs by city. Discover how much renters insurance typically costs in different areas of South Carolina.

Renters insurance rates in South Carolina by city

See rates in your city

Average cost of renters insurance in South Carolina by ZIP code

In South Carolina, the cost of renters insurance can vary significantly across ZIP codes. Here, we’ll show you the ZIP codes where renters insurance is most affordable and where it costs the most.

Most affordable ZIP codes for renters insurance in South Carolina

How 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 $269 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 code	City	Average annual rate	Average monthly rate
29696	West Union	$269	$22
29650	Greer	$270	$23
29127	Prosperity	$270	$22
29691	Walhalla	$270	$23
29672	Seneca	$271	$23
29803	Aiken	$272	$23
29075	Little Mountain	$272	$23
29108	Newberry	$272	$23
29126	Pomaria	$272	$23
29607	Greenville	$273	$23

Least affordable ZIP codes for renters insurance in South Carolina

Your 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 $487 a year or $41 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 code	City	Average annual rate	Average monthly rate
29439	Folly Beach	$487	$41
29409	Charleston	$435	$36
29455	Johns Island	$421	$35
29577	Myrtle Beach	$405	$34
29914	Dale	$403	$34
29931	Lobeco	$403	$34
29905	Parris Island	$403	$34
29585	Pawleys Island	$403	$34
29576	Murrells Inlet	$401	$33
29915	Daufuskie Island	$399	$33

Final thoughts: Average renters insurance in South Carolina

Renters 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.

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.