Home Home insurance 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. | 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. In South Carolina, renters insurance rates depend on factors like your insurer, chosen coverage limits and personal circumstances. On average, renters pay $294 annually or $25 monthly for a policy with $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 monthThe average cost of renters insurance in South Carolina is $25 per month. Your premium may vary depending on your location, the value of your belongings, and the coverage limits you select. It’s recommended that you compare multiple insurance quotes to find the best price.Average renters ins cost per monthDifference compared to national average$25$3 moreAverage renters insurance cost in South Carolina by companyAccording to our data, Auto-Owners provides the most affordable renters insurance in South Carolina, with an average annual rate of $173, followed by State Farm and Allstate.Getting quotes from multiple renters insurance companies in South Carolina is a good idea, as prices can differ significantly among insurers.Below, you can find average annual and monthly renters insurance rates from various companies in 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 levelOn average, South Carolina renters pay $294 each year for insurance for a coverage limit of $40,000 in personal property, $300,000 in liability protection and a $1,000 deductible.Reducing your personal property coverage from $40,000 to $20,000 can lower your renters insurance cost in South Carolina to $247 per year. This policy still includes $300,000 in liability protection and a $1,000 deductible. However, you should ensure that $20,000 is adequate coverage for your personal belongings before making this change.Below are 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 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 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 CarolinaThe 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 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 Carolina29439 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 codeCityAverage annual rateAverage monthly rate29439Folly Beach$441$3729403Charleston$393$3329585Pawleys Island$375$3129577Myrtle Beach$372$31Renters and auto bundle discounts in South CarolinaIf you’re looking for ways to trim costs on your insurance premiums, consider purchasing renters and auto insurance from the same company.Bundling policies can help you save an average of 5% annually in South Carolina. Travelers offers the cheapest rate on renters and auto insurance bundle. You can save 5% a year on your premiums.CompanyAverage annual rate$ bundle average savings% bundle average savingsTravelers$1,412$745%Nationwide$1,472$906%Geico$1,514$473%Auto-Owners$1,545$815%State Farm$1,593$704%State Auto$1,756$895%Progressive$2,114$1125%Allstate$2,545$1245%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/YearWashington, D.C.$272/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 Guide to the insurance claims history report (CLUE) By Shivani Gite Guide to off-grid home insurance By Lena Borrelli Renters insurance: Compare quotes in 2025 By Prachi Singh How to find a homeowners insurance policy By Shivani Gite Renters insurance calculator: How much renters insurance costs by state and city in 2025 By Shivani Gite Mobile home insurance cost and coverage in 2025 By Chris Kissell 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 codeRenters and auto bundle discounts in South CarolinaFinal thoughts: Average renters insurance in South Carolina ZIP Code Please enter valid ZIP See rates