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If you rent a home or apartment, then it is important that you have the right renters insurance to protect your personal property and its contents. Renters insurance covers damage caused by smoke or fire, vandalism, theft, a windstorm, and other disasters.

Renters insurance costs an average of $359 a year for South Carolina residents.  However, insurance rates vary based on the zip code, property you want to insure, coverage you choose, among other factors.

If you are in search of the best renters insurance in South Carolina, then this guide is for you. We have compared major insurance carriers and their average annual premium for South Carolina residents. Read on to know more about the insurance companies that have the best renters insurance policies, insurers that provide cheap renters insurance costs, and the least and most expensive zip codes for renters insurance in South Carolina.

Best renters insurance companies in South Carolina

When it comes to choosing the best renters insurance company in South Carolina, you want to make sure that you are comparing apples to apples. Our experts at Insurance.com have compared quotes, coverage options and J.D Power score from all the major insurers in South Carolina. Below is the list of best renters insurance companies South Carolina:

  • USAA
  • State Farm
  • Nationwide
  • Allstate
  • Liberty Mutual

Compare best renters insurance companies in South Carolina

USAA is one of the best renters insurance companies in South Carolina with the highest J.D. Power score (893), its average insurance rate is $364 a year. However, USAA only offers insurance coverage to military members, veterans, and their family members. If you don't qualify for renters insurance coverage from USAA, you can consider buying a policy from State Farm. It has earned 866 scores out of 1000 from J.D Power. 

You may want to take a look at what each plan offers, and which providers offer excellent customer service. The most important thing is to compare quotes from all the options available before making the final decision. 

Find below the list of best renters insurance providers and their average annual insurance rates.

CompanyJ.D. Power scoreAverage annual rate
USAA893$364
State Farm866$276
Nationwide834$236
Allstate833$295
Liberty Mutual823$758
Travelers815$352

How much is renters insurance in South Carolina

The average annual premium for renters insurance in South Carolina is $359 or $30 a month. However, this amount may vary by location and the amount of coverage you choose. The recommended coverage level for renters insurance is $40,000 for personal property coverage, with a $1,000 deductible and $100,000 of liability protection. 

Average annual premiumAverage monthly premium
$359$30

10 Most expensive zip codes in South Carolina for renters insurance

If you are a renter in South Carolina, it's important to know that your renters insurance premium may vary depending on the zip code you live in. The most expensive zip code for renters insurance in South Carolina is 29439, its average rate is $569 annually.

Here are the 10 most expensive zip codes in South Carolina for renters insurance-

ZIP codeAverage annual rate
29439$569
29412$561
29577$542
29451$541
29401$536
29576$535
29575$527
29464$526
29455$524
29458$523

10 Least expensive zip codes in South Carolina for renters insurance

Insurance companies take into account several factors including your zip code when deciding on premiums for your standard renters insurance policy. The least expensive zip code for renters insurance in South Carolina is 29847, its average annual rate is $318. 

We have gathered price quotes from major insurance companies across all the zip codes and prepared a list of the 10 least expensive zip codes in South Carolina for renters insurance. 

ZIP codeAverage annual rate
29847$318
29303$319
29631$320
29138$321
29014$322
29058$323
29031$324
29006$325
29067$326
29063$327

Cheap renters insurance in South Carolina by carrier

One of the best ways to save money on renters insurance is to get quotes from several different companies to find out which company offers the cheapest South Carolina renters insurance. Among the carriers surveyed, Allstate is the cheapest renters insurance company in South Carolina, its average annual premium is $217. 

Find below the list of cheap renters insurance companies in South Carolina and their average annual premium.

Company nameAverage annual premium
Allstate$217
Nationwide$219
State Farm$265
Allied$271
USAA$314
Travelers$315
South Carolina Farm$400
Foremost$463
Safeco$624
LM Insurance$728