The Best and Cheapest Home Insurance in South Carolina

The Best and Cheapest Home Insurance in South Carolina

Compare Home Insurance Quotes in South Carolina

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Allstate has the cheapest rates for homeowners insurance in South Carolina, a ValuePenguin analysis found. That company's average price for a typical policy is $976 per year.

The average cost of home insurance in South Carolina is $1,554 per year.

After collecting thousands of home insurance quotes in South Carolina and looking at policy details from eight top insurers, we found that the best homeowners insurance isn't determined by price alone. It's also important to consider the types of coverage included, along with the level of care you can expect when you make a claim.

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Cheapest options for homeowners insurance in South Carolina

The cheapest homeowners insurance company we found in South Carolina is Allstate, while the most expensive is Progressive.

As with most coastal states prone to hurricanes, the price of homeowners insurance in South Carolina is higher than the country's average, which is $1,495.

A bar graph showing the average costs of homeowners insurance in South Carolina

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Allstate's rates are 37% cheaper than average, while State Farm, the second-cheapest company, is 22% less than the state average.

Company
Annual rate
Allstate logo
Allstate$976
State Farm logo
State Farm$1,209
Nationwide logo
Nationwide$1,364
USAA logo
USAA$1,434
Travelers logo
Travelers$1,834
Farmers logo
Farmers$1,924
Progressive logo
Progressive$2,137

*USAA is only available to current and former military members and their families.

Best homeowners insurance for most people: Allstate

Allstate offers the most affordable rates we found in South Carolina, with a good set of coverages.
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The most affordable homeowners insurance in South Carolina is Allstate, which offers a standard policy for an average price of $976 per year. That's about 19% cheaper than the next-best option, and that's before considering a wide range of discounts.

Discount
Available savings
Bundling policiesup to 25%
Sign up for automatic paymentsup to 5%
Switch to Allstate with a claim-free historyup to 20%
Sign up for a new policy at least seven days in advanceup to 10%

In addition to standard property protection, Allstate offers coverages such as water or sewer backup protection, identity theft restoration service and increased contents coverage for different property types. You can also purchase a green endorsement that helps you outfit your home with energy-efficient materials after a loss.

Best for expanded coverage: Nationwide

Consider Nationwide if you want the most comprehensive coverage as part of a single policy.
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Nationwide offers a wide range of coverage options while still delivering affordable rates. South Carolina customers can add protections to their policies that include:

  • Brand New Belongings coverage
  • Better Roof Replacement coverage
  • Water backup coverage
  • Flood insurance
  • Earthquake coverage
  • Identity theft protection

The combination of flood insurance and water backup coverage can be especially valuable in a state regularly impacted by hurricanes. Nationwide has cheaper-than-average rates, $1,364 per year, and has a low rate of complaints relative to its size and other insurers.

Best for military families: USAA

For South Carolina's many military families, coverage from USAA represents the best combination of quality and service.
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We recommend USAA for homeowners insurance for active or retired military service members and their families. USAA's standard coverage includes protections that aren't typically included in other companies' basic packages. Additionally, USAA's customer service is among the best in the industry.

A standard policy from USAA covers your uniform, with no deductible required, as long as the damage occurred on active or reserve duty. You also get replacement cost coverage without purchasing a separate endorsement, as is common with other providers. This may be particularly valuable for South Carolinians due to the state's exposure to destructive hurricanes.

Best rated homeowners insurance: State Farm

State Farm's homeowners insurance has the highest customer service ratings we found for any company available to most drivers.
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State Farm is the top-rated company available to most drivers that we found in South Carolina. According to the National Association of Insurance Commissioners, State Farm gets complaints at a rate 26% lower than average, and above-average marks from J.D. Power for customer service.

State Farm's homeowners insurance allows you to customize your policy to best fit your home’s needs. You can add water or sewer-backup protection, identity restoration services and an earthquake endorsement. State Farm is also among the most affordable companies in South Carolina, with an average rate of $1,209 per year, 22% cheaper than average.

South Carolina insurance rates: City-by-city

The city with the cheapest average cost of homeowners insurance in South Carolina is Pickens, while the most expensive is Briarcliffe Acres.

City
Average annual cost
Percent from average
Abbeville$1,227-21%
Adams Run$1,71410%
Aiken$1,227-21%
Alcolu$1,369-12%
Allendale$1,310-16%
Show All Rows

The best-rated homeowners insurance companies in South Carolina

State Farm and USAA are the best-rated insurers in South Carolina. However, USAA is only available to military service members and some members of their families.

We factored a company's home insurance complaint numbers from the NAIC, ratings from J.D. Power's survey for customer service and ValuePenguin's own editors rating. These were combined for a comprehensive home insurance rating.

Company
Home insurance service rating
USAA
State Farm
Nationwide
Allstate
Progressive
Travelers
Farmers
UPC

Customer service is particularly important with home insurance because a smoother, quicker experience means more quickly returning to normal in your daily life. You should make sure to consider that alongside price when selecting your policy.

Most common homeowners insurance perils in South Carolina: Hurricanes and flooding

South Carolina's proximity to the Atlantic Coast means that it's vulnerable to tropical storms and hurricanes. Additionally, the state's low-lying topography contributes to being prone to flooding. South Carolina can also experience hail storms that can damage homes and necessitate property owners to make insurance claims.

You should be sure you understand how your homeowners insurance policy treats these perils and others most common in your home's location. This is the best way to pick a provider that best fits with your needs.

Does homeowners insurance cover hurricane damage?

Tropical storms and hurricanes can affect South Carolina's homeowners with heavy winds, rains and flooding. Fortunately, if you're worried about the effects that a hurricane would have on your house, homeowners insurance usually includes damage from winds in its standard covered perils. To be sure that your property would be protected from the devastation a hurricane can cause, you might consider getting replacement cost coverage. However, this isn't the case with flood damage.

South Carolina's flooding isn't confined to the coast. Since the state is comparably low-lying to most of the rest of the United States, it's at risk of inland flooding near its waterways. If your home is in danger of flooding, you can purchase a separate flood insurance policy from the National Flood Insurance Program or a private seller if a policy is offered in your area.

Flood insurance can be expensive and comes with a waiting period if it's a federal policy, but we recommend getting protection if your home is at risk.

Does your homeowners insurance cover hail damage?

Homeowners insurance often protects your home from hail damage. This is good news forSouth Carolina homeowners because the state has gotten approximately 104 hail storms per year since 2010. Typically, hail is named along with wind, fire, theft and other potential sources of damage in your policy's covered perils.

If you live in a part of the state that sees increased amounts of hail, your homeowners insurance policy may have special stipulations regarding hail. It's not uncommon for some companies to restrict when you can make claims for hail damage. For instance, you may be unable to make claims for any damage that's strictly cosmetic. You also may see higher rates after making hail claims, so it could be important to decide when it's worth it to repair damage and risk a rate increase.

Methodology

We collected homeowners insurance quotes from each of South Carolina's ZIP codes. The sample property was built in 1988, which is the median year owner-occupied homes were built in the state, and it was worth $162,300 to align with South Carolina's median home price.

This survey includes quotes from:

  • Allstate
  • Farmers
  • Nationwide
  • Progressive
  • State Farm
  • Travelers
  • UPC
  • USAA

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.

Home insurance ratings combine NAIC complaint index ratings for home insurance, results from the most recent J.D. Power home insurance study and ValuePenguin's editors ratings.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.