Best and cheapest homeowners insurance in South Carolina for 2024

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.

Best home insurance companies in Alaska

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Best home insurance in South Carolina
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.

Cheapest home insurance in South Carolina
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 by ZIP code

Average home insurance rates in Texas

Most & least expensive ZIP codes for homeowners insurance in Texas

Most expensive
Least expensive

ZIP code	City	Highest rate
77550	Galveston	$10,164
77586	El Lago	$9,906
77551	Galveston	$9,536
77554	Galveston	$9,358

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

Read our methodology

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 Insurance

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

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.

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Average annual premium

$1,962

$4,557

County	Average annual premium	Average monthly premium
Abbeville	$2,274	$190
Aiken	$2,231	$186
Allendale	$2,666	$222
Anderson	$2,161	$180
Bamberg	$2,693	$224
Barnwell	$2,426	$202
Beaufort	$3,637	$303
Berkeley	$3,377	$281
Calhoun	$2,697	$225
Charleston	$4,079	$340
Cherokee	$2,122	$177
Chester	$2,192	$183
Chesterfield	$2,589	$216
Clarendon	$2,784	$232
Colleton	$3,014	$251
Darlington	$2,916	$243
Dillon	$3,091	$258
Dorchester	$3,168	$264
Edgefield	$2,311	$193
Fairfield	$2,195	$183
Florence	$2,986	$249
Georgetown	$4,557	$380
Greenville	$1,988	$166
Greenwood	$2,189	$182
Hampton	$2,798	$233
Horry	$4,398	$366
Jasper	$3,002	$250
Kershaw	$2,476	$206
Lancaster	$2,348	$196
Laurens	$2,164	$180
Lee	$2,827	$236
Lexington	$2,263	$189
Marion	$3,322	$277
Marlboro	$2,847	$237
Mccormick	$2,327	$194
Newberry	$2,159	$180
Oconee	$2,139	$178
Orangeburg	$2,717	$226
Pickens	$2,054	$171
Richland	$2,273	$189
Saluda	$2,326	$194
Spartanburg	$1,962	$164
Sumter	$2,643	$220
Union	$2,156	$180
Williamsburg	$3,299	$275
York	$2,018	$168

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, 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.