Who Has the Cheapest Homeowners Insurance Quotes in South Carolina?

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We collected insurance quotes across 44 cities in the state of South Carolina in order to determine which regions have the highest and lowest annual home insurance costs. Based on our research, South Carolina homeowners pay on average $1,535 per year for home insurance. Across the 44 cities we studied, Nationwide had the lowest average annual homeowners insurance rates in the state. Read more about our findings below, or use our quote tool above to start finding home insurance quotes in your area.

Cheapest Home Insurance Companies in South Carolina

We gathered quotes from State Farm, Allstate, and Nationwide. Quotes from each company were averaged to find which insurance companies had the best home insurance rates in South Carolina. The graph below shows the average annual costs to insure our sample home by company and the state average:

Best Home Insurance Companies in South Carolina

Best Homeowners Insurance Rates in South Carolina's Largest Cities

We evaluated homeowners insurance rates across the largest cities in South Carolina. Our study implemented control variables to gather quotes that can be compared to one another. On average, homeowners in the ten largest cities pay just $1 more than the rest of the state on homeowners insurance.

Columbia, SC

Columbia was the largest city in the state of South Carolina as of the 2010 U.S. Census. The city is home to several colleges and universities, most notably, the University of South Carolina. The University has recently won regional championships in basketball, golf, and track and field. Our study shows that the average cost of home insurance in Columbia is $1,179 per year, which is $357 less than the state average.

Nationwide offered the most affordable home insurance quote in Columbia at an annual cost of $946. State Farm, the most expensive insurer in the city, quoted our sample home an annual cost of $1,475, which is $529 greater than Nationwide’s quote. All quotes gathered in Columbia were lower than the state average.

Cheapest and Best Homeowners Insurance Companies in Columbia, South Carolina

Charleston, SC

Charleston, the second largest city in South Carolina, was founded by English colonists in the late 1600’s. Its proximity to the ocean led to its rapid expansion. The city has close ties to American history with the Civil War beginning at Fort Sumter in Charleston Harbor. Charleston boasts over four million visitors per year, which generates an economic impact of over three billion dollars. Residents of Charleston pay an average of $2,358 for their homeowners insurance annually.

The most affordable home insurance rate in the city was offered by Allstate at an annual cost of $1,382. The second most affordable rate was offered by State Farm at a cost of $2,648, which is $1,266 greater than Allstate’s quote. Based on our study, Charleston ranked as the least affordable city for home insurance in the state.

Best Homeowners Insurance Rates in Charleston

North Charleston, SC

Despite being established in the 1970’s, North Charleston is the third largest city in the state of South Carolina. North Charleston is a major economic hub for South Carolina, it leads the state in retail sales. Additionally, North Charleston has the most hotels in the area. Based on our research, the average homeowners insurance quote in the city is $2,043. Residents of North Charleston pay 33% more for their homeowners insurance than the state mean.

Only Allstate offered a quote which was less than the state average in North Charleston. Allstate offered an annual rate of $1,521, which is $14 less than the state average. North Charleston ranks as the fourth least affordable city for home insurance in the state of South Carolina.

Quotes from North Charleston's Best Home Insurance Companies

Rock Hill, SC

Rock Hill is the fourth largest city in South Carolina. The city is located south of the Catawba River. Rock Hill is home to many major employers of York County, including the Piedmont Medical Center, Comporium, West Marine and Williams & Fudge, Inc. The average annual homeowners insurance quote in Rock Hill is $1,120 per year, which is 27% less than the state mean.

Based on our research, Rock Hill ranks as the fourth most affordable city for home insurance in the state of South Carolina. Allstate offered the most affordable quote in the city at an annual cost of $980. The next most affordable insurer in Rock Hill, Nationwide, offered a quote that was $118 greater.

Rock Hill’s Best Home Insurance Companies

Greenville, SC

Greenville is the fifth largest city in the state of South Carolina. The city is within driving distance of several national forests, including Chattahoochee National Forest and Nantahala National Forest. Beyond these attractions, the city itself is home to over 39 parks and recreation centers. The mean annual home insurance rate in Greenville is $1,053, which is $482 less than the state average.

Allstate quoted the least expensive rate in Greenville at $876 annually. Allstate’s quote is $316 less than State Farm’s quote of $1,192. Based on our study, State Farm is the least affordable insurer in the city. That said, Greenville is the most affordable city for home insurance in the state. Residents can expect to save 31% when compared to the state average.

Best Cheap Home Insurance Companies in Greenville

Sumter, SC

Sumter is the sixth largest city in the state of South Carolina. The city is home to Shaw Air Force Base, which features the country’s largest combat F-16 wing. The Shaw Air Force Base is the top employer in the city of Sumter. The Sumter School District, Pilgrims Pride and the Tuomey Healthcare System are other major employers in the city. Residents of Sumter pay an average annual home insurance cost of $1,622 based on our study.

Allstate offered the lowest home insurance quote in Sumter at an annual rate of $1,589. The second most affordable insurer in the area, State Farm, offered a quote of $1,626, which is $37 greater than the quote offered by Allstate. On average, residents of Sumter pay 6% more for their home insurance when compared to the state mean.

Cheapest and Best Homeowners Insurance Companies in Sumter

Florence, SC

Florence is the seventh largest city in the state of South Carolina. The city’s original limits were shaped as a circle that encompassed a one mile radius. Today, the city’s limits are over 21 square miles. Florence is conveniently located near several interstate highways, including Interstate 20 and Interstate 95. Interstate 95 serves as a major east coast transportation route, connecting Florida to Maine. Based on our research, the average home insurance rate in Florence is $1,362, which is $174 less than the state average.

Allstate offered the most affordable rates in the city of Florence. Allstate offered a quote of $1,107, which is $614 cheaper than the rate of $1,721 offered by State Farm. State Farm quoted the least affordable home insurance rate in Florence.

Best Homeowners Insurance Rates in Florence

Spartanburg, SC

Spartanburg, the eighth largest city in South Carolina, is located between Atlanta and Charlotte. Like many other cities in South Carolina, Spartanburg is full of American history. The city offers places to explore that history, such as the Spartanburg Regional History Museum and the Walnut Grove Plantation. On average, residents of Spartanburg pay $281 less for their home insurance than the rest of the state.

Allstate offered the lowest quote from the insurance companies we sampled. Allstate’s quote of $1,222 was $85 cheaper than the most expensive quote, which was offered by State Farm. Spartanburg ranked as the tenth most affordable city for home insurance in the state.

Quotes from Spartanburg's Cheapest and Best Home Insurance Companies

Goose Creek, SC

Goose Creek is the ninth largest city in the state of South Carolina. Goose Creek is home to three high schools, which collectively have graduation rates that are approximately 9% greater than the state average. Residents of Goose Creek pay an average of $1,864 per year for home insurance.

Based on our sample, Allstate was the only insurer that offered a quote that was less than $2,000 per year. Allstate’s quote of $1,381 was $730 less than the quote of $2,111 offered by Nationwide. Residents of Goose Creek pay 21% more for their home insurance when compared to the state average.

Best Home Insurance Companies in Goose Creek

Aiken, SC

Aiken is the tenth largest city in South Carolina. One of the city’s most notable attributes is that it was a winter destination for wealthy individuals in the the late 1800’s. Part of the reason for wealthy visitors flocking to the area was Aiken’s opportunities for equestrian sports. Aiken has an average annual home insurance cost of $1,508, which is $27 less than the state average.

State Farm quoted the cheapest home insurance rate in the area at $1,350. Allstate offered the most expensive home insurance quote at $1,653, which is $303 greater than the quote offered by State Farm. Aiken ranks near the middle for cities with the most affordable home insurance rates in the state.

Best Cheap Home Insurance Companies in Aiken

Least Expensive Homeowners Insurance in South Carolina: by City

The graph below shows the five best cities for home insurance of all 44 cities which were part of our rankings. The cities are listed in order of mean price starting with the lowest average home insurance quote and ascending. Greenville is the cheapest city in South Carolina for homeowners insurance based on our study. On average, residents pay $1,053 annually, which is $482 lower than the state average.

Top 5 Best Cities in South Carolina for Homeowners Insurance

Greenville, SC

According to our research, Greenville is the most affordable city in South Carolina for homeowners insurance. On average, residents pay 31% less for their home insurance policy when compared to the state mean. All quotes gathered in Greenville were less than the state mean.

Greer, SC

Greer offers the second most affordable homeowners insurance rates in the state of South Carolina. The mean home insurance quote in the city was $1,114, which is 27% cheaper than the state average. The most affordable quote in Greer was offered by Allstate at $939 per year.

Williamston, SC

Williamston ranks as the third least expensive city in South Carolina for home insurance. The average quote gathered for the city of Williamston was $1,118, which is $417 less than the state mean. On a percentage basis, this represents a 27% discount.

Rock Hill, SC

Rock Hill offers the fourth most affordable home insurance rates in the state of South Carolina. Residents pay on average $1,120 per year, which is $416 less than the state average. The lowest rate in the city was offered by Allstate at $980.

Columbia, SC

Columbia ranked as the fifth least expensive city in South Carolina for home insurance. On average, residents pay $1,179 for home insurance, which represents a 23% lower rate when compared to the state mean. On an annual basis, residents save $357 on homeowners insurance versus the state average.

Most Expensive Homeowners Insurance in South Carolina: by City

The graph below shows the five most expensive places of all 44 cities which were part of our study. The cities are listed in order of price starting with the highest average rate and descending. The figures listed represent the average home insurance rate in each city based on our study. The most expensive city for homeowners insurance was Charleston where our research found an average annual rate of $2,358, which is $822 greater than the state average.

Top 5 Most Expensive Cities in South Carolina for Homeowners Insurance

Methodology

We studied 44 cities, spread out geographically across the state of South Carolina. The sample home we looked at featured a masonry veneer exterior and was ten years old. Rates were collected using a $200,000 coverage level for a resident with average credit and no claims in the past five years. The annual home insurance rates in our study were for a policy which includes wind and hail coverage.

RankCityAverage Insurance RateCost Compared to Average
24Aiken$1,508-2%
12Anderson1,294-16%
20Barnwell1,476-4%
43Beaufort2,29149%
35Bennettsville1,78216%
40Bluffton2,01531%
34Camden1,6487%
44Charleston2,35854%
31Cheraw1,6296%
28Chester1,5491%
19Clinton1,468-4%
8Clover1,251-19%
5Columbia1,179-23%
37Dillon1,86421%
16Edgefield1,374-10%
14Florence1,362-11%
13Gaffney1,358-12%
38Goose Creek1,86421%
1Greenville1,053-31%
18Greenwood1,463-5%
2Greer1,114-27%
36Hartsville1,79917%
42Kingstree2,20143%
32Lancaster1,6437%
25Laurens1,521-1%
6Lexington1,184-23%
21Manning1,479-4%
23Newberry1,490-3%
41North Charleston2,04333%
33Orangeburg1,6467%
27Pageland1,5320%
7Pickens1,234-20%
4Rock Hill1,120-27%
29Saluda1,5732%
17Seneca1,388-10%
11Simpsonville1,279-17%
10Spartanburg1,254-18%
39Summerville1,89523%
30Sumter1,6226%
26Union1,5310%
15Walhalla1,364-11%
3Williamston1,118-27%
22Winnsboro1,483-3%
9York1,252-18%

Sources:

South Carolina Census Data

South Carolina Department of Insurance

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