Best renters insurance companies in South Carolina

Auto-Owners, Farmers and Allstate are our best renters insurance companies in South Carolina.

Comparing quotes from multiple insurance carriers is one way to ensure you will get your money's worth. There can be big differences in price between different renters insurance providers, so it pays to shop around. Ensure you buy from a company offering affordable renters insurance and consistent customer service.

To simplify your task, we have compared the carriers for South Carolina residents based on their average rates and third-party ratings. Among the carriers surveyed, Auto-Owners is the best renters insurance company in South Carolina. It earned a score of 5 and has an average renters insurance rate of $171.

In addition to rates, we also got scores and rating from sources like the National Association of Insurance Commissioners (NAIC) and AM Best for major insurers in South Carolina. Below is our list of best renters insurance companies in South Carolina based on that analysis, with our score out of five.

CompanyAverage annual premiumAM BestNAICInsurance.com rating
Auto-Owners$171A++0.335.00
Farmers$366A0.543.93
Allstate$230A+0.903.65
State Farm$229A++0.953.62
Travelers$641A++0.543.37
Data updated in 2024
Read our full methodology

Cheapest renters insurance in South Carolina

Auto-Owners is the cheapest renters insurance company in South Carolina based on our rate analysis with an average annual premium of $171.

Renters insurance prices can vary drastically between companies. That's why it is important to compare rates and see which company offers the best deal to get coverage at an affordable price.

Below are the cheapest renters insurance companies in South Carolina and their average annual premiums.

Company nameAverage annual premium
Auto-Owners$171
State Farm$229
Allstate$230
Farmers$366
South Carolina Farm Bureau Mutual$396
Travelers$641
USAA$153
Data updated in 2024
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How much is renters insurance in South Carolina

The average cost of renters insurance in South Carolina is $272 a year, and the average monthly cost is $23. That's for a policy with personal property coverage of $40,000, liability coverage of $100,000, and a deductible of $1,000.

What you pay for renters insurance may differ from your neighbors because it depends on factors specific to each person: the property you want to insure, extra coverage options you add, and the deductible amount you choose.

"The number one thing that's most important is to get good liability. A renter's policy will default to $100,000 liability," Josiah Hatch, an insurance pro with Bender Hatch Insurance in Boston, said. "It costs next to nothing to go from $100,000 to $500,000. I want to say it's probably 10 bucks a year. It's really cheap to get a lot of extra coverage. I always recommend getting the most liability you can because that's, at its core, what insurance is all about: the worst-case scenario."

Average annual premiumAverage monthly premium
$272$23
Data updated in 2024
Read our full methodology

South Carolina renters insurance: The most expensive ZIP codes

Where you live in South Carolina affects how much you pay for renters insurance. The most expensive ZIP code in South Carolina for renters insurance is 29439, where the average annual rate is $416 which is $144 more than the state average insurance premium.

The following table lists the most expensive ZIP codes in South Carolina for renters insurance.

ZIP codeAverage annual rate
29439$416
29403$371
29412$369
29414$367
29455$364
29407$363
29401$361
29585$353
29577$350
29915$350
Data updated in 2024
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South Carolina renters insurance: The least expensive ZIP codes

Based on a rate analysis by Insurance.com, the least expensive ZIP code for renters insurance in South Carolina is 29696, and its average annual rate is $234.

Below, you'll find the least expensive ZIP codes for renters insurance, along with their average annual rates.

ZIP codeAverage annual rate
29696$234
29650$235
29672$235
29607$237
29693$237
29615$238
29664$239
29138$242
29047$255
29812$256
Data updated in 2024
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Compare renters insurance rates by city in South Carolina

Renters 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 renters insurance for your specific city in South Carolina.

CityAnnual insurance premium
Charleston
$389
Columbia
$274
Florence
$286
Goose Creek
$330
Greenville
$259
Mount Pleasant
$372
North Charleston
$362
Rock Hill
$295
Summerville
$357
Data updated in 2024
Read our full methodology

Insurance.com compared renters insurance rates provided by Quadrant Data Solutions for $40,000 personal property coverage with a $1,000 deductible and $100,000 liability coverage for all available ZIP codes based on a renter with good credit. To rank the best insurance companies, we gathered AM Best financial stability ratings, where an A++ is the best possible score, and National Association of Insurance Commissioners (NAIC) which provides the best practices for the U.S. insurance industry. These factors were used along with rates to find the best companies overall.

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