- Best homeowners insurance companies in South Carolina: Auto-Owners
- Cheapest home insurance companies in South Carolina: State Farm
- Average home insurance cost in South Carolina
- South Carolina home insurance rates by ZIP code
- Compare homeowners insurance rates by city in South Carolina
- Home insurance FAQs
- Compare homeowners insurance rates with other states
Best homeowners insurance companies in South Carolina: Auto-Owners
The best home insurance company in South Carolina for 2024 is Auto-Owners. State Farm, Allstate, Farmers, and Progressive are among the top home insurance companies in South Carolina based on price, NAIC complaints, and AM Best financial ratings.
The total Insurance.com score is calculated out of five using these factors.
| Company | AM Best | NAIC complaint ratio | Insurance.com score | Average annual rate |
|---|---|---|---|---|
| Auto-Owners | A++ | 0.37 | 4.93 | $2,293 |
| State Farm | A++ | 0.83 | 4.74 | $1,969 |
| Allstate | A+ | 1.46 | 3.94 | $2,021 |
| Farmers | A | 0.67 | 3.47 | $3,793 |
| Progressive | A+ | 2.71 | 3.05 | $2,455 |
| Travelers | A++ | 1.10 | 2.85 | $6,217 |
Cheapest home insurance companies in South Carolina: State Farm
Below are South Carolina home insurance rates by company for five different levels of dwelling coverage, each with $300,000 in liability and a $1,000 deductible. Based on our analysis, you’ll see State Farm has the most affordable rates for all coverage levels by a wide margin. USAA offers the cheapest home insurance if you are eligible.
| Company | $200,000 | $300,000 | $400,000 | $600,000 | $1,000,000 |
|---|---|---|---|---|---|
| USAA* | $1,475 | $1,952 | $2,412 | $3,521 | $5,942 |
| State Farm | $1,511 | $1,969 | $2,409 | $3,337 | $5,000 |
| Allstate | $1,617 | $2,021 | $2,475 | $3,583 | $5,821 |
| Auto-Owners | $1,838 | $2,293 | $2,839 | $3,982 | $8,832 |
| Progressive | $1,872 | $2,455 | $3,103 | $4,372 | $7,112 |
| South Carolina Farm Bureau | $2,121 | $2,974 | $3,774 | $5,300 | $8,337 |
| Farmers | $2,477 | $3,793 | $5,110 | $7,743 | $13,012 |
| Travelers | $5,407 | $6,217 | $7,177 | $10,391 | $16,935 |
*USAA only provides coverage to military members, veterans, and their families.
Average home insurance cost in South Carolina
The average cost of homeowners insurance in South Carolina is $2,678 a year or $223 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.
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 TexasMost & least expensive ZIP codes for homeowners insurance in Texas
Most expensive
| ZIP Code | City | Highest Rate |
|---|---|---|
| 77550 | Galveston | $10,164 |
| 77586 | El Lago | $9,906 |
| 77551 | Galveston | $9,536 |
| 77554 | Galveston | $9,358 |
Least expensive
| ZIP Code | City | Lowest Rate |
|---|---|---|
| 78559 | Iglesia Antigua | $1,956 |
| 78593 | Santa Rosa | $1,999 |
| 79915 | El Paso | $2,008 |
| 79905 | El Paso | $2,009 |
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 $4,897.
The most expensive ZIP codes in South Carolina are:
| ZIP code | Average annual rates |
|---|---|
| 29585 | $4,897 |
| 29439 | $4,862 |
| 29572 | $4,569 |
| 29577 | $4,556 |
| 29575 | $4,489 |
| 29412 | $4,428 |
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 rate |
|---|---|
| 29609 | $2,078 |
| 29605 | $2,086 |
| 29615 | $2,089 |
| 29617 | $2,089 |
| 29650 | $2,090 |
| 29607 | $2,091 |
Home insurance rates vary significantly across cities, influenced by various factors, including weather patterns, crime rates, and property values. You must consider these factors and compare quotes from different insurers to get the best deal on home insurance for your specific city in South Carolina.Compare homeowners insurance rates by city in South Carolina
City Annual insurance premium
Home insurance FAQs
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, according to the III, South Carolina is among 19 states in which insurance companies are allowed to charge for a hurricane deductible. That means 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?
A standard home insurance policy does not cover floods. 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,deck or garage.
Homeowners in areas more vulnerable to hail damage - such as along the coast—might have trouble securing coverage on the open insurance market. In such cases, they can turn to the South Carolina Wind and Hail Underwriting Association for coverage.
Compare homeowners insurance rates with other states
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