Average renters insurance cost in South Carolina

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Renters insurance in South Carolina costs an average of $314 per year, or $26 per month. That’s for a standard policy with $40,000 in personal property coverage, $300,000 in liability protection, and a $1,000 deductible – a solid starting point for most renters.

Your actual rate depends on how much coverage you choose, which insurance company you go with, and personal factors like your ZIP code, claims history, and in some states, credit score

How much does renters insurance cost in South Carolina?

The average monthly cost of renters insurance in South Carolina is $26 for a policy with $40,000 in personal property coverage and $300,000 in liability protection. Premiums can shift depending on where you live, how much coverage you need, and the total value of your belongings – which is why getting quotes from several insurers is a smart move.

Generally speaking, raising your deductible lowers your monthly premium, while adding coverage for valuables like jewelry or electronics increases it. Choose a deductible and coverage level that fits both your budget and replacement needs.

Renters insurance in South Carolina: Where to start

Renters insurance in South Carolina averages $314 per year, or $26 per month for a standard policy
If you’re looking for the lowest price, Auto-Owners tends to offer the most competitive rates in South Carolina, averaging around $158 per year
Since pricing varies widely between providers, it pays to compare a few options before making a decision

Which companies offer the cheapest renters insurance in South Carolina?

The most affordable renters insurance in South Carolina comes from Auto-Owners, which averages $158 per year. State Farm and Allstate are also competitive options for budget-conscious renters.

Keep in mind that the cheapest policy isn’t always the right one – coverage limits, deductibles, and available discounts all matter. The table below compares average annual and monthly rates from leading insurers in 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.

Want a more accurate renters insurance estimate?

Use our calculator to get a personalized renters insurance quote based on your location and coverage needs.

Your final premium may vary depending on the insurer, coverage limits, deductible, claims history, and other rating factors.

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

How much does renters insurance cost by coverage level in South Carolina?

The average annual renters insurance premium in South Carolina is $314, based on $40,000 in personal property coverage, $300,000 in liability, and a $1,000 deductible.

Dropping your personal property coverage from $40,000 to $20,000 could bring your annual cost down to around $228. Just make sure $20,000 would actually be enough to replace what you own before making that change.

The table below shows average annual premiums in South Carolina at both the $20,000 and $40,000 personal property coverage levels.

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

People also ask: How much renters insurance coverage do I need?

The right amount of coverage depends on the value of your belongings and how much financial risk you’re willing to take on. Most renters do well with $20,000 to $40,000 in personal property coverage and at least $300,000 in liability protection. If you own high-value items like jewelry or electronics, you may want to add endorsements on top of your base policy.

Renters insurance rates in South Carolina by city

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How much does renters insurance cost by city in South Carolina?

Renters insurance premiums can differ depending on where in South Carolina you live. Factors like local crime rates, weather patterns, and the density of the area all play a part in what insurers charge.

Here’s how average renters insurance rates compare across major cities.

Does your ZIP code affect renters insurance rates in South Carolina?

Your ZIP code is one of the biggest factors insurers use to set rates. Local risks like theft, fire and weather claims can drive premiums up or down, so two renters with the same coverage may pay very different prices.

In South Carolina, rates range from about $269 in 29696 to $487 in 29439. Here are the cheapest and most expensive ZIP codes for renters insurance in South Carolina.

Why your ZIP code affects renters insurance costs

Insurers use local risk data to calculate renters insurance premiums, which means rates can vary significantly by neighborhood and ZIP code.

Factors that affect renters insurance rates include:

Local theft and vandalism rates
Weather risks such as hurricanes, floods, or wildfires
Fire claims and rebuilding costs in your area

Even moving a few ZIP codes away can affect your monthly premium.

What are the most affordable ZIP codes for renters insurance in South Carolina?

In 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 $269.

ZIP codes with lower theft rates and fewer severe weather claims tend to have more affordable renters insurance premiums.

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

What are the 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 $487 annually or $41 monthly.

Here are the average annual renters insurance rates for every ZIP code in South Carolina, based on quotes from major insurers.

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

How to lower your renters insurance, even in a high-cost ZIP code

Compare at least 3 quotes – rates for the same coverage can vary by $100+ between insurers in the same ZIP code
Bundle with auto insurance to save 5% to 15% on your renters policy
Ask about safety device discounts for smoke detectors, deadbolts, security systems, and smart-home monitoring
Raise your deductible from $500 to $1,000 to save around 10%
Check claims-free discounts if you haven’t filed a claim in 3+ years

Is renters insurance worth it in South Carolina?

For most renters in South Carolina, a renters insurance policy protects your belongings from risks like fire, theft, vandalism, and certain weather events, and shields you from liability if someone is injured inside your home.

According to figures from the US Department of Commerce, the US Census Bureau, and the American Community Survey, approximately 48% of US renter households allocate more than 30% of their income toward rent and utilities. When housing already takes up a large share of your budget, it’s worth being thoughtful about every ongoing cost – including insurance.

Shopping around makes a real difference. Beyond price, look at what each policy actually covers, what the deductible is, and how the insurer performs when claims are filed. Slightly higher premiums can be worthwhile if the coverage is meaningfully better.

Frequently asked questions

What does renters insurance actually cover?

A standard renters insurance policy covers personal belongings, liability, and additional living expenses if your rental becomes unlivable. It protects against losses from events like fire, theft, and vandalism, and can cover legal or medical costs if someone is hurt on your property. Always check the specific limits and exclusions in any policy you’re considering.

Do I really need renters insurance in South Carolina?

While renters insurance isn’t legally required in most cases, it provides real financial protection that’s hard to replicate otherwise. Even a basic policy can cover thousands of dollars in losses from theft, fire, or accidental damage – costs that would otherwise come straight out of pocket. Many landlords in South Carolina also make renters insurance a condition of the lease.

Sources:

Insurance Information Institute. Facts + statistics: Renters insurance. Accessed May 2026.

How much is renters insurance in other states

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Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.