Best homeowners insurance company in South Carolina: Auto-Owners
Auto-Owners is the best home insurance company in South Carolina for 2026. South Carolina Farm Bureau Mutual and State Farm round out the top three based on an Insurance.com analysis of price, NAIC complaints, and AM Best financial ratings.
The total Insurance.com score is calculated out of five using these factors.
Cheapest home insurance companies in South Carolina: Progressive
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, Progressive has the most affordable rates for all coverage levels except $1,000,000.
| Company | $200,000 | $300,000 | $400,000 | $600,000 | $1,000,000 |
|---|---|---|---|---|---|
| Allstate | $1,596 | $2,104 | $2,663 | $3,830 | $5,670 |
| Auto-Owners | $3,092 | $3,893 | $4,879 | $6,347 | $11,776 |
| Farmers | $2,236 | $3,420 | $4,605 | $6,973 | $11,708 |
| Progressive | $1,422 | $1,821 | $2,218 | $3,316 | $5,035 |
| South Carolina Farm Bureau Mutual | $2,425 | $3,558 | $4,622 | $6,719 | $9,121 |
| State Farm | $1,895 | $2,435 | $2,901 | $3,718 | $4,872 |
| Travelers | $6,724 | $5,910 | $6,460 | $8,315 | $12,213 |
| USAA | $1,711 | $2,341 | $3,004 | $4,436 | $7,277 |
*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 $2,870 a year or $239 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 by ZIP code
Average home insurance rates in TexasMost & least expensive ZIP codes for homeowners insurance in Texas
| ZIP code | City | Highest rate |
|---|---|---|
| 77550 | Galveston | $10,407 |
| 77554 | Galveston | $9,754 |
| 77551 | Galveston | $9,634 |
| 77590 | Texas City | $9,005 |
| ZIP code | City | Lowest rate |
|---|---|---|
| 79915 | El Paso | $1,158 |
| 79905 | El Paso | $1,169 |
| 79907 | El Paso | $1,179 |
| 79916 | Fort Bliss | $1,180 |
The South Carolina Department of Insurance says...
If you need help, consider requesting assistance through Insurance Locator, a free program offered by the SC Department of Insurance that helps South Carolinians find property insurance coverage by connecting them with insurance agents and companies in their local area.
- The South Carolina Department of InsuranceThe most expensive ZIP codes in South Carolina for home insurance
South Carolina homeowners insurance rates are the most expensive for ZIP code 29577, with an average annual cost of $7,042.
The most expensive ZIP codes in South Carolina are:
| City | ZIP code | Average Annual Premium |
|---|---|---|
| Myrtle Beach | 29577 | $7,042 |
| Pawleys Island | 29585 | $6,972 |
| Myrtle Beach | 29575 | $6,857 |
| Murrells Inlet | 29576 | $6,795 |
| Myrtle Beach | 29572 | $6,726 |
| North Myrtle Beach | 29582 | $6,460 |
| Hilton Head Island | 29928 | $6,328 |
| Charleston | 29412 | $6,170 |
| Charleston | 29401 | $5,689 |
| Folly Beach | 29439 | $5,681 |
The least expensive ZIP codes in South Carolina for home insurance
The cheapest ZIP codes for home insurance in South Carolina are:
| City | ZIP code | Average Annual Premium |
|---|---|---|
| Sharon | 29742 | $2,083 |
| Greenville | 29615 | $2,090 |
| Smyrna | 29743 | $2,092 |
| Hickory Grove | 29717 | $2,093 |
| Spartanburg | 29307 | $2,094 |
| Clover | 29710 | $2,097 |
| Cleveland | 29635 | $2,098 |
| Greenville | 29607 | $2,099 |
| Greer | 29651 | $2,101 |
| Greer | 29650 | $2,101 |
South Carolina homeowners insurance rates by county
Home insurance rates in South Carolina vary by county. Take a look at the average rates by county in South Carolina below to see how costs compare.
| County | Average annual premium | Average monthly premium |
|---|---|---|
| Abbeville | $2,426 | $202 |
| Aiken | $2,427 | $202 |
| Allendale | $2,746 | $229 |
| Anderson | $2,398 | $200 |
| Bamberg | $2,751 | $229 |
| Barnwell | $2,544 | $212 |
| Beaufort | $4,225 | $352 |
| Berkeley | $3,521 | $293 |
| Calhoun | $2,514 | $210 |
| Charleston | $4,649 | $387 |
| Cherokee | $2,236 | $186 |
| Chester | $2,218 | $185 |
| Chesterfield | $2,434 | $203 |
| Clarendon | $2,591 | $216 |
| Colleton | $3,057 | $255 |
| Darlington | $2,878 | $240 |
| Dillon | $3,070 | $256 |
| Dorchester | $3,534 | $295 |
| Edgefield | $2,481 | $207 |
| Fairfield | $2,148 | $179 |
| Florence | $3,048 | $254 |
| Georgetown | $5,213 | $434 |
| Greenville | $2,215 | $185 |
| Greenwood | $2,488 | $207 |
| Hampton | $2,973 | $248 |
| Horry | $4,988 | $416 |
| Jasper | $3,184 | $265 |
| Kershaw | $2,490 | $207 |
| Lancaster | $2,330 | $194 |
| Laurens | $2,423 | $202 |
| Lee | $2,919 | $243 |
| Lexington | $2,386 | $199 |
| Marion | $3,082 | $257 |
| Marlboro | $2,824 | $235 |
| Mccormick | $2,409 | $201 |
| Newberry | $2,142 | $178 |
| Oconee | $2,231 | $186 |
| Orangeburg | $2,810 | $234 |
| Pickens | $2,229 | $186 |
| Richland | $2,381 | $198 |
| Saluda | $2,407 | $201 |
| Spartanburg | $2,231 | $186 |
| Sumter | $2,639 | $220 |
| Union | $2,259 | $188 |
| Williamsburg | $3,210 | $267 |
| York | $2,124 | $177 |
Compare homeowners insurance rates by city in South Carolina
Home insurance rates vary significantly across cities. This is influenced by various factors, including weather patterns, crime rates, and property values. Consider these factors and compare quotes from different insurers to get the best deal on home insurance for your specific city in South Carolina.
City Annual insurance premium
Methodology
Insurance.com worked with Quadrant Information Services to field homeowners insurance rates in all 50 states and Washington, D.C. We analyzed 37,973,840 insurance quotes from 134 insurance companies across 34,595 ZIP codes to determine the average premiums.
The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:
- $300,000 dwelling coverage
- $300,000 liability protection
- $1,000 deductible
- 2% hurricane deductible where appropriate.
To rank insurance companies, we used three important factors: average annual cost, NAIC complaint ratio and AM Best financial stability rating. Find the full best insurance companies rating methodology here. The quoted insurance rates are for comparison purposes, and your rates will vary.
FAQ: 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, 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 South Carolina homeowners insurance rates with other states
