Auto-Owners is the best homeowners insurance company in South Carolina, based on a 2023 analysis by Insurance.com, with an overall rating of 4.7. USAA took the second spot, but is only available to military members, veterans and their families.
Allstate offers the cheapest home insurance in South Carolina at all coverage levels.
With so many options out there, it is not easy to choose a homeowners insurance company in South Carolina. You need a reliable company that will provide you with quality service at an affordable price. Below we’ll help you find that company.
Key takeaways
- The average home insurance rate in South Carolina is $2,727 per year or $227 per month.
- Allstate is the cheapest home insurance company in South Carolina for military veterans and their families at an average rate of $1,515 a year.
- Auto-Owners ranks the best home insurance company in South Carolina for 2023.
- What is the average home insurance cost in South Carolina?
- Best homeowners insurance companies in South Carolina
- Cheapest home insurance companies in South Carolina
- South Carolina home insurance rates by ZIP code
- Frequently asked questions: South Carolina home insurance
- Compare homeowners insurance rates with other states
What is the average home insurance cost in South Carolina?
The average cost of homeowners insurance in South Carolina is $2,727 a year or $227 a month. This is based on coverage of:
- $300,000 dwelling
- $300,000 liability
- $1,000 deductible.
- 2% Hurricane deductible
However, the average annual premium varies by the insurance company, your ZIP code, coverage type, and your home's age, among other factors. It’s a good idea to compare quotes from different South Carolina homeowners insurance companies to get the best deal.
Best homeowners insurance companies in South Carolina
The best home insurance company in South Carolina for 2023 is Auto-Owners, followed by USAA and South Carolina Farm Bureau Mutual.
Below is a full list of the top South Carolina insurance companies based on price, NAIC complaints, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.
*USAA only provides coverage to military members, veterans, and their families.
Cheapest home insurance companies in South Carolina
Below are South Carolina home insurance rates by company for six different levels of dwelling coverage, each with $300,000 in liability and a $1,000 deductible. Based on our analysis, you’ll see Allstate has the most affordable rates in every category by a wide margin.
| Company | $200,000 | $300,000 | $400,000 | $500,000 | $600,000 |
|---|---|---|---|---|---|
| Allstate | $ 1,290 | $ 1,515 | $ 1,813 | $ 2,134 | $ 2,457 |
| USAA | $ 1,515 | $ 2,024 | $ 2,558 | $ 3,142 | $ 3,674 |
| State Farm | $ 1,678 | $ 2,208 | $ 2,714 | $ 3,297 | $ 3,813 |
| Auto-Owners | $ 1,703 | $ 2,116 | $ 2,605 | $ 3,085 | $ 3,618 |
| Progressive | $ 2,114 | $ 2,856 | $ 3,601 | $ 4,292 | $ 5,065 |
| South Carolina Farm Bureau Mutual | $ 2,213 | $ 3,126 | $ 3,728 | $ 4,503 | $ 5,098 |
| Farmers | $ 2,651 | $ 4,123 | $ 5,594 | $ 6,587 | $ 7,844 |
| Travelers | $ 4,690 | $ 5,615 | $ 6,370 | $ 6,707 | $ 7,891 |
South Carolina home insurance rates by ZIP code
Home insurance rates can vary widely depending on where the home is located. We compared home insurance rates by ZIP code in South Carolina to see which areas are the most and least expensive.
Enter your ZIP code and desired coverage level in the search box to see the average home insurance rate for that area. You will also see the highest and lowest premiums from major home insurers. This will give you an idea of how much you can save by comparing home insurance rates. The difference between the highest rate and the lowest rate is how much you could save by shopping around.
HOME INSURANCE CALCULATOR
Average home insurance rates in CALIFORNIA
AVERAGE RATE: $797
Most & least expensive zip codes for homeowners insurance in California
Most Expensive
| Zip Code | City | Highest Rate |
|---|---|---|
| 92325 | Crestline | $1,450 |
| 92391 | Twin Peaks | $1,426 |
| 92321 | Cedar Glen | $1,425 |
| 92352 | Lake Arrowhead | $1,423 |
Least Expensive
| Zip Code | City | Lowest Rate |
|---|---|---|
| 94086 | Sunnyvale | $742 |
| 94085 | Sunnyvale | $743 |
| 94087 | Sunnyvale | $743 |
| 95051 | Santa Clara | $743 |
The most expensive ZIP codes in South Carolina for home insurance
South Carolina homeowners insurance rates are the most expensive for ZIP code 29585, with an average annual cost of $4,994.
The most expensive ZIP codes in South Carolina are:
| ZIP code | Average annual rates |
|---|---|
| 29585 | $ 4,994 |
| 29439 | $ 4,900 |
| 29572 | $ 4,649 |
| 29577 | $ 4,603 |
| 29575 | $ 4,530 |
| 29582 | $ 4,488 |
The least expensive ZIP codes in South Carolina for home insurance
The cheapest ZIP codes for home insurance in South Carolina are:
| ZIP code | Average annual rates |
|---|---|
| 29615 | $ 2,085 |
| 29650 | $ 2,086 |
| 29605 | $ 2,092 |
| 29609 | $ 2,094 |
| 29607 | $ 2,098 |
| 29687 | $ 2,102 |
Frequently asked questions: South Carolina home insurance
What can I do if I can't get homeowners insurance in South Carolina?
If you are struggling to find the right homeowners insurance coverage in South Carolina, ask for help via the South Carolina Department of Insurance's SC Market Assist program. You can request free assistance online or call 1-843-577-3415.
Once you make a request, a representative of the Department of Insurance will contact you with a list of insurers willing to sell you a policy.
Where do I get claims processing information or file a complaint against an insurer?
The South Carolina Department of Insurance allows you to file a complaint at the department website. It can also provide assistance with claims.
Do I need hurricane insurance in South Carolina?
For many homeowners, a standard home insurance policy will cover damage from wind. However, South Carolina is among 19 states in which insurance companies are allowed to charge a hurricane deductible, according to the III. That means that you will pay a separate deductible before your insurance kicks in for damages resulting from a hurricane.
In some areas, hurricane coverage may not be part of a standard policy; read the fine print to be sure.
Is flood insurance included in South Carolina homeowners insurance?
Floods are not covered by a standard home insurance policy. You will need to buy a flood insurance policy, available through the National Flood Insurance Program (NFIP).
Is hail damage covered?
Homeowners insurance typically covers hail damage to the structure of your home, including the roof, windows, a deck or the garage.
Homeowners in areas more vulnerable to hail damage - such as along the coast - might have trouble securing coverage on the open insurance market. Those homeowners can turn to the South Carolina Wind and Hail Underwriting Association for coverage.
Compare homeowners insurance rates with other states
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