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?

Renters insurance in South Carolina costs an average of $26 per month for a standard policy with $40,000 in personal property coverage and $300,000 in liability protection. Your actual premium can vary based on your location, coverage level, and the value of your belongings, so it’s worth comparing quotes from multiple insurers to find the best rate.

As a general rule, opting for a higher deductible can bring your monthly costs down, while adding extra coverage for high-value items like electronics or jewellery will push it up. Choose a deductible and coverage level that fits both your budget and replacement needs.

Renters insurance in South Carolina: Where to start

The average cost of renters insurance in South Carolina is $314 per year, or $26 per month for a standard policy
For the most affordable option, Auto-Owners offers the lowest average rates in South Carolina at around $158 annually
Rates vary quite a bit between insurers, so comparing a few quotes before committing is worth the effort

Which companies offer the cheapest renters insurance in South Carolina?

Among insurers operating in South Carolina, Auto-Owners has the lowest average annual premium at $158. State Farm and Allstate are also worth a look if keeping premiums low is a priority.

That said, price alone shouldn’t drive your decision. It’s equally important to weigh coverage limits, deductible options, and any discounts available to you. The table below lays out average annual and monthly rates from various 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 cost of renters insurance in South Carolina is $314, 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 $228 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 average annual renters insurance premiums 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	$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?

Most renters need enough coverage to replace their personal belongings and protect against liability claims. A common starting point is $20,000 to $40,000 in personal property coverage and at least $300,000 in liability protection. That said, the right amount really depends on the value of what you own, any endorsements you might add for higher-value items, and how much risk you’re comfortable carrying yourself.

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 the vast majority of renters in South Carolina, a renters insurance policy is a smart financial decision. It covers your personal belongings against fire, theft, vandalism, and certain disasters, and provides liability protection if a guest is injured in your home.

Data from the US Department of Commerce, US Census Bureau, and American Community Survey shows that roughly 48% of renter households in the US spend more than 30% of their income on housing costs – which means every recurring expense, including insurance, deserves careful consideration.

The best approach is to compare policies rather than just prices. Coverage quality, deductibles, and customer service all factor into whether a policy is actually good value. Paying a little more for stronger coverage often makes sense when it’s time to file a claim.

Frequently asked questions

What does renters insurance actually cover?

Renters insurance generally covers three things: your personal belongings, liability protection, and additional living expenses if your home becomes uninhabitable after a covered event. It can help with losses from fire, theft, and vandalism, as well as legal or medical costs if a visitor is injured on your property. Coverage specifics differ by policy, so reviewing your limits and exclusions carefully is important.

Do I really need renters insurance in South Carolina?

There’s no universal legal requirement for renters insurance, but the protection it offers is hard to replicate on your own. A single incident – whether it’s a break-in, a fire, or accidental damage – can result in thousands of dollars in losses. Renters insurance covers those costs so you’re not paying out of pocket. It’s also increasingly common for landlords in South Carolina to require it as part of the lease agreement.

Sources:

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

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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.