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Condo insurance isn’t required by law in South Carolina, but your mortgage company likely requires it. Condo insurance is a home insurance policy that covers everything inside your condo, while the homeowners association’s insurance covers the outside of your building and common areas.

Depending on your HOA’s rules, your condo insurance may cover not only personal property, but also provides dwelling coverage known as building property coverage, for the interior of the structure. Make sure you know how much condo insurance you need before you buy condo insurance.

To find the best condo insurance in South Carolina, we’ve gathered data on the top companies. Below you’ll find a list of the best condo insurance companies in South Carolina with average annual rates.

Key takeaways

  • The residents of South Carolina pay an average of $579 per year for condo insurance for a coverage level of $60,000 for personal property, $300,000 for liability protection with a $1,000 deductible.
  • Based on the analysis by, USAA is the top pick for the best condo insurance company in South Carolina.
  • USAA offers the cheapest condo insurance in South Carolina at an average of $435 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 ratings of major insurers in South Carolina. Below are the best condo insurance companies in South Carolina based on’s analysis.

CompanyJ.D. Power ScoreAM Best RatingAverage rating (out of 5)
State Farm829A++

Average cost of condo insurance in South Carolina

The average cost of condo insurance in South Carolina is $579 a year or $48 a month with $1,000 as deductible, $60,000 in personal property coverage, and liability coverage of $300,000. Your average annual premium will vary depending on your location, the coverage limits you select, and the deductible amount among other factors.

To find the most affordable policy for your situation, compare quotes from multiple providers based on the coverage you need.

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

Rates for condo insurance by company in South Carolina vary. It’s important to shop around and compare quotes to find the best price. 

In the table given below, you’ll see condo insurance rates for major companies in South Carolina. The cheapest company for condo insurance in South Carolina is USAA. Allstate, and State Farm, are the second and third cheapest options.

CompanyAverage Annual Rate
State Farm$533
South Carolina Farm Bureau Mutual$576

Methodology compared condo insurance rates provided by Quadrant Data Solutions in 2022 for $60,000 of personal property coverage with a $1,000 deductible and $300,000 of liability coverage for all available ZIP codes and with a good credit score. The content was updated in 2023.

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