Call our licensed agents toll free 844.855.0163
Go To Top
Why you can trust is dedicated to informing, educating, and empowering you to make confident insurance decisions. Our content is carefully reviewed by insurance experts, and we rely on a data-driven approach to create unbiased, accurate insurance recommendations. maintains editorial integrity through strict independence from insurance companies.

If you live in a condo, your homeowners association is responsible for insuring the building and common areas, but it won’t cover your personal property if it gets destroyed or damaged. To protect your belongings, you’ll need to buy condo insurance, also known as HO-6 insurance.

The average condo insurance cost in South Carolina is $538 annually. However, your rates will vary depending on the coverage limit, zip code, and the insurance company you choose.

Read this guide to compare quotes from major insurance companies and find out which carrier offers the best rates for condo insurance in South Carolina.

  • Condo owners in South Carolina pay an average of $538 per year or $45 per month in condo(HO6) insurance.
  • Travelers is the cheapest condo insurance company in South Carolina at only $369 per year.

Best condo insurance companies in South Carolina

In South Carolina, you have a lot of options when it comes to finding the best condo insurance company. To make your task easier, our insurance experts have analyzed premiums, coverage offerings, J.D Power score and customer satisfaction rating of all the major insurers across South Carolina. Below are the best condo insurance companies in South Carolina based on's analysis.

  • USAA
  • State Farm
  • Allstate
  • Nationwide
  • Safeco

Compare best condo insurance companies in South Carolina

While looking for a condo insurance policy cost is important, but it shouldn't be the only thing to consider when buying condominium insurance. You should take into account the insurance company's customer service, financial stability, and claims handling.

Our team of experts has analyzed major insurance carriers across South Carolina using their J.D. Power score and AM Best rating. Based on's analysis, USAA tops the list of the best condo insurance companies with a J.D. Power score of 882 out of 1000 and it also gets an A++ rating from AM Best, which is the highest rating they offer. However, USAA offers its services only to military officials, veterans, and their family members.

With a J.D. power score of 835, State Farm ranks second on our list. If not USAA, State Farm is another great option for purchasing condominium insurance. Below we provide a list of the best condo insurance companies in South Carolina along with their J.D. Power score and AM Best rating.

CompanyJ.D. Power scoreAM Best rating
State Farm835A++

Average cost of condo insurance in South Carolina

The average cost of condo insurance in South Carolina is $538 a year or $45 per month. This rate is for the coverage level of $40,000 in personal property, $100,000 for liability protection with a $1000 deductible. Condo insurance rates can be as low as $29 or as high as $130 a month, depending on your location among other factors.

Average annual premiumAverage monthly premium


Average condo insurance rates in SOUTH CAROLINA

29810 - Allendale
Personal Property Coverage $60,000, Deductible $1,000 and Liability $100,000.



Most & least expensive zip codes for condo insurance in South Carolina

Most Expensive

Zip CodeCityHighest Rate
29439Folly Beach$1,228
29451Isle Of Palms$1,193
29575Garden City$1,177

Least Expensive

Zip CodeCityLowest Rate
29703Bowling Green$515

Condo insurance rates by companies in South Carolina

As we have mentioned above, your condo insurance rates vary depending on the insurance carrier you choose. Based on's rate analysis, Travelers offers the most affordable rate for condo insurance in South Carolina at an average cost of $369 per year. That's $169 less expensive annually than the state average of ($538).

Compare the best condo insurance companies in South Carolina using their average annual premium mentioned below.

CompanyAverage annual premium
Allied Property$535
Farm Bureau$541
State Farm$572
LM Insurance$855
See How Much You Can Save
See How Much You Can Save
Please enter valid zip
Want to bundle home and auto insurance for potential discounts?

You may also like to explore