Home Home insurance Average home insurance cost Homeowners insurance rates by state Average homeowners insurance cost in South Carolina Average homeowners insurance cost in South Carolina Homeowners insurance in South Carolina costs $2,668 per year or $222 monthly, according to Insure.com’s data analysis. 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 a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service. Updated on: November 21, 2024 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. Whether you’re a new homeowner or looking to buy insurance for your current home, securing the right homeowners’ insurance is crucial. Rates may vary depending on your insurance company and the coverage limits you choose.According to Insure.com’s data analysis, the average cost of homeowners insurance in South Carolina is $2,668 a year. Continue reading to learn more about homeowners insurance rates in South Carolina by ZIP code and insurer. Key Takeaways Homeowners insurance costs an average of $2,668 a year, based on Insure.com analysis.Of all the ZIP codes in South Carolina, 29609 has the most affordable home insurance rates at around $1,970 annually.In South Carolina, State Farm provides the most affordable home insurance at an average annual premium of $1,961. Average home insurance cost in South Carolina by coverage levelIn South Carolina, the annual homeowners insurance cost is $2,668, on average for the limits of $100,000 in liability, $300,000 in dwelling coverage and a $1000 deductible.Increasing your dwelling coverage from $300,000 to $400,000 will raise your annual homeowners insurance premium to $1,986 in South Carolina, with $100,000 in liability protection and a $1,000 deductible. Below are the average costs for homeowners insurance in South Carolina based on dwelling coverage limits of $300,000, $400,000, and $500,000.Coverage Average annual rate Average monthly rate200000 with 1000 Deductible and 100000 Liability and 2% Deductible$2,050$171200000 with 1000 Deductible and 300000 Liability and 2% Deductible$2,061$172300000 with 1000 Deductible and 100000 Liability and 2% Deductible$2,668$222300000 with 1000 Deductible and 300000 Liability and 2% Deductible$2,678$223400000 with 1000 Deductible and 100000 Liability and 2% Deductible$3,323$277400000 with 1000 Deductible and 300000 Liability and 2% Deductible$3,335$278600000 with 1000 Deductible and 100000 Liability and 2% Deductible$4,832$403600000 with 1000 Deductible and 300000 Liability and 2% Deductible$4,846$4041000000 with 1000 Deductible and 100000 Liability and 2% Deductible$8,159$6801000000 with 1000 Deductible and 300000 Liability and 2% Deductible$8,175$681In South Carolina, homeowners insurance companies set rates by assessing various risk factors. Your location, claims history and coverage limit all affect your premium.If multiple claims have been filed in your neighborhood over the past few years, you’ll likely face higher home insurance rates than areas with fewer claims. According to S&P Global Market Intelligence’s RateWatch application, the average homeowners insurance premium for owner-occupied homes nationwide increased by over 11% in 2023.Best homeowners insurance companies in South CarolinaBefore purchasing homeowners insurance, it’s important to compare rates and explore your options. Several factors play a role in choosing the best homeowners insurance company for your specific needs.We evaluated insurance companies in South Carolina based on their NAIC scores and AM Best ratings to create a list of the top homeowners insurance providers in the state. Our findings show that Auto-Owners received the lowest NAIC score and A++ rating from AM Best. A lower NAIC score indicates fewer complaints relative to the company’s size, suggesting higher customer satisfaction.Company Average annual premiumAM Best Rating NAIC Complaint IndexOverall scoreAuto-Owners$2,282A++0.335State Farm$1,961A++0.955Allstate$1,986A+0.94.92Farmers$3,766A0.544.38Travelers$6,207A++0.543.82Progressive$2,445A+8.453.63Average homeowners insurance cost by company in South CarolinaState Farm has the cheapest homeowners insurance rates in South Carolina. Its average annual cost for South Carolina homeowners is $1,961. Allstate and Auto-Owners also offer affordable insurance.By comparing homeowners insurance rates, you could save hundreds, if not thousands, of dollars annually.The table below shows the average annual and monthly insurance rates for homeowners in South Carolina with $300,000 in dwelling coverage, $100,000 in liability coverage, and a $1,000 deductible.Company Average annual rate Average monthly rateState Farm$1,961$163Allstate$1,986$166Auto-Owners$2,282$190Progressive$2,445$204South Carolina Farm Bureau Mutual$2,968$247Farmers$3,766$314Travelers$9,063$755USAA$1,952$163South Carolina homeowners insurance rates by ZIP codeInsurance providers in South Carolina factor in the risk of a given location when determining rates. ZIP codes with higher crime rates or frequent natural disasters are typically classified as high-risk, leading to increased premiums. Additionally, the cost of rebuilding or repairing homes in that area can affect your homeowners insurance costs.To get the best deal on homeowners insurance rates in South Carolina, take the time to shop around and compare quotes from multiple insurers. Additionally, don’t forget to ask about potential discounts, like bundling policies or a smart home discount.Most affordable ZIP codes for home insurance rates in South CarolinaHomeowners insurance costs in South Carolina can vary widely by location, with your ZIP code being a key factor in determining your rate. Based on our data, the the 29609 area has the most affordable insurance rates, at $1,970 annually or $164 monthly.Below are the homeowners insurance rates for the most affordable ZIP codes in South Carolina.ZIP codeAverage annual rateAverage monthly rate29609$1,970$16429617$1,977$16529605$1,980$16529615$1,983$16529607$1,984$16529601$1,997$16629687$2,000$16729651$2,001$16729681$2,005$16729316$2,008$167Most expensive ZIP codes for home insurance rates in South CarolinaYour ZIP code is a key factor in determining the cost of your homeowners insurance coverage. In South Carolina, certain areas have higher insurance premiums due to elevated crime rates, increased risk of natural disasters, and higher living costs.29585 has the most expensive homeowners insurance rates in South Carolina at an average annual cost of $6,953.Below, we’ve highlighted some of the most expensive ZIP codes in South Carolina for home insurance:ZIP codeAverage annual rateAverage monthly rate29585$6,953$57929577$6,933$57829576$6,903$57529439$6,875$57329575$6,865$57229572$6,756$56329582$6,411$53429928$6,340$52829482$6,051$50429412$6,037$503Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.Home insurance rates in South Carolina by cityCharlestonColumbiaMount PleasantNorth CharlestonRock HillHome insurance rate trend in South CarolinaWe analyzed home insurance rate trends in South Carolina and found that homeowners insurance rates experienced an overall decrease of only 2% or $49, from 2022 to 2023.The data below shows how much homeowners insurance rates have changed since 2019.2019 rates2022 rates2023 rates$2,531$2,717$2,668To choose the right homeowners insurance, it’s important to conduct thorough research and compare rates from various insurers, as each evaluates risk differently. Comparing quotes from at least three companies can help you secure the most affordable coverage in South Carolina.Resources & methodologySourceS&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed September 2024.MethodologyInsure.com worked with Quadrant Information Service to get homeowners insurance data. We analyzed 20,739,560 insurance quotes from 82 national and regional insurance companies across 34,588 ZIP codes to determine the average premiums.The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:$300,000 dwelling coverage$100,000 liability protection$1000 deductibleWe have taken into account 3 important factors such as average annual cost, NAIC score and AM Best rating, to determine the list of best homeowners insurance companies. The quoted insurance rates are for comparison purposes, and your individual rates may vary. Explore other insurance options in South-Carolina Average renters insurance cost in South Carolina Average car insurance cost in South Carolina Non-owner auto insurance in South Carolina How much is home insurance in other statesAlaska$1,695/YearAlabama$3,131/YearArkansas$3,948/YearArizona$2,468/YearCalifornia$1,386/YearColorado$4,086/YearConnecticut$2,205/YearWashington, D.C.$1,327/YearDelaware$1,366/YearFlorida$4,405/YearGeorgia$2,286/YearHawaii$593/YearIowa$2,642/YearIdaho$1,950/YearIllinois$3,044/YearIndiana$2,969/YearKansas$4,826/YearKentucky$3,314/YearLouisiana$3,576/YearMassachusetts$1,622/YearMaryland$1,707/YearMaine$1,375/YearMichigan$2,396/YearMinnesota$2,399/YearMissouri$3,528/YearMississippi$3,369/YearMontana$3,265/YearNorth Carolina$2,933/YearNorth Dakota$3,134/YearNebraska$4,785/YearNew Hampshire$1,209/YearNew Jersey$1,506/YearNew Mexico$2,638/YearNevada$1,444/YearNew York$1,777/YearOhio$2,144/YearOklahoma$5,749/YearOregon$1,741/YearPennsylvania$1,886/YearRhode Island$1,932/YearSouth Dakota$3,374/YearTennessee$3,045/YearTexas$3,844/YearUtah$1,792/YearVirginia$2,135/YearVermont$1,247/YearWashington$1,596/YearWisconsin$1,648/YearWest Virginia$1,886/YearWyoming$1,885/YearShow moreShivani GiteContributing 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. In case you missed it What is HO-6 condo insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2024 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Renters insurance quotes: Compare rates Hurricanes and home insurance: How hurricane insurance works How replacement cost coverage works when you file a claim How much do claims increase home insurance rates? Mobile home insurance cost and coverage in 2024 Homeowners insurance basics Home Insurance Advisor Cheapest homeowners insurance in 2024 How much flood insurance do I need? How to bundle home and auto insurance policies to save money The largest home insurance companies by market share Home insurance discounts for cheaper rates How much does dog liability insurance cost and do you need it? Do you have an emergency go-bag? Most Americans don’t 1/1 Related Articles How much do claims increase home insurance rates? By Les Masterson What is dwelling coverage and how much do you need? By Lena Borrelli Condo insurance calculator: Estimate the cost of coverage By Jessica Olson Average homeowners insurance cost by ZIP code in 2024 By Barry Eitel How to find a homeowners insurance policy By Shivani Gite Renters insurance calculator: How much renters insurance costs by state and city in 2024 By Shivani Gite On this page Average home insurance cost in South Carolina by coverage levelBest homeowners insurance companies in South CarolinaAverage homeowners insurance cost by company in South CarolinaSouth Carolina homeowners insurance rates by ZIP codeHome insurance rate trend in South CarolinaResources & methodology ZIP Code Please enter valid ZIP See rates