The cheapest home and auto bundle provider in South Carolina shifts depending on your dwelling coverage needs. Allstate offers the lowest rate at $100,000 dwelling coverage at $2,576 per year, but State Farm becomes the most affordable option at higher coverage levels. Moving up to $250,000 in dwelling coverage, State Farm leads at $3,493 annually, continuing as the cheapest choice at $500,000 dwelling at $4,386 per year. State Farm maintains its advantage at $750,000 dwelling coverage at $5,245 and at the $1 million level at $6,056 annually. Use the filters to compare rates at the coverage level that matches your home's value.
Best Cheap Home and Auto Bundle Insurance in South Carolina
Updated: April 6, 2026
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Key Takeaways
At $3,493 per year, State Farm has the lowest home and auto bundle rate in South Carolina. Read more.
With a 24% bundle discount, State Farm saves South Carolina policyholders $1,095 per year. Read more.
State Farm earns the top MoneyGeek score in South Carolina at 4.8 out of 5. Read more.
Cheapest Home and Auto Bundle in South Carolina
Data filtered by:
$250K Dwelling / $125K Personal Property / $200K Liability
50/100 w/ $1000 Deductible
40
| State Farm | $3,493 | $1,095 |
| Progressive | $3,521 | $213 |
| Allstate | $3,703 | $377 |
| Nationwide | $5,725 | $998 |
| Travelers | $6,745 | $911 |
*Rates are for a good credit driver with $250,000 dwelling coverage and 50/100 auto coverage with a $1,000 deductible. Use the filters to compare rates for different coverage levels.
Companies Offering the Biggest Bundle Discount in South Carolina
State Farm dominates South Carolina's bundle discount market, offering both the highest percentage discount at 24% and the largest dollar savings at $1,095 per year. What makes this compelling is that State Farm's bundled premium of $3,493 also represents the most affordable option available to residents. This combination of maximum savings and competitive pricing is rare in the insurance market. For South Carolina homeowners looking to bundle, State Farm offers the most practical option with both meaningful discounts and overall affordability.
Data filtered by:
$250K Dwelling / $125K Personal Property / $200K Liability
50/100 w/ $1000 Deductible
| State Farm | 24% | $1,095 | $3,493 |
| Nationwide | 15% | $998 | $5,725 |
| Travelers | 12% | $911 | $6,745 |
| Allstate | 9% | $377 | $3,703 |
| Progressive | 6% | $213 | $3,521 |
*Rates are for a good credit driver with $250,000 dwelling coverage and 50/100 auto coverage with a $1,000 deductible. Use the filters to compare rates across different coverage levels.
Best Home and Auto Bundle Companies in South Carolina
South Carolina's insurance market offers two standout options for home and auto bundles. State Farm takes the lead with a MoneyGeek score of 4.8 out of 5, leading in both auto and home affordability while maintaining its extensive local agent network throughout South Carolina. Progressive follows closely at 4.7 out of 5,with comprehensive auto coverage options and innovative digital tools like its Name Your Price feature. Both providers deliver competitive bundling discounts, but State Farm's slight edge in overall affordability gives it the top ranking for cost-conscious residents.
| Cheapest Bundle | State Farm | 4.8 | $3,493 |
| Best Overall | State Farm | 4.8 | $3,493 |
| Biggest Discount | State Farm | 4.8 | $3,493 |
| Runner-Up | Progressive | 4.7 | $3,521 |
Best Overall: State Farm
pros
State Farm's Drive Safe & Save program offers additional discounts on top of bundle savings for safe driving habits tracked through its mobile app.
Leads South Carolina's bundle rankings with a 96 out of 100 MoneyGeek score.
Policyholders save $1,095 per year by bundling home and auto at a 24% discount.
Offers Personal Articles Policy coverage for valuable items like jewelry and electronics, providing broader protection than standard homeowners policies.
cons
Auto coverage options rank fourth among the five providers in MoneyGeek's analysis, trailing competitors in this category.
Home insurance policies in South Carolina are underwritten through State Farm affiliate companies rather than State Farm directly.
Some competitors in the analysis offer broader usage-based insurance discount programs for auto coverage.
COMPANY HIGHLIGHTS
State Farm scores 96 out of 100 (4.8 out of 5) with MoneyGeek, earning the top bundle ranking in South Carolina. At $3,493 per year, policyholders save $1,095 annually through bundling, a 24% discount over separate policies.
The company's Drive Safe & Save program uses telematics to reward careful driving with additional auto discounts beyond the bundle savings. State Farm's home policies in South Carolina include comprehensive windstorm and hurricane coverage that addresses the state's coastal risks, while its extensive agent network provides local expertise throughout both urban and rural areas. This combination of affordability and regional focus helps explain its strong performance in the state's competitive market.
State Farm's customer service consistently ranks at the top in South Carolina, with local agents available for both routine questions and claims assistance when storms hit.
Runner-Up: Progressive
pros
Progressive's Snapshot program rewards safe driving habits with additional discounts beyond the standard bundle savings.
Runner-up bundle provider in South Carolina with a MoneyGeek score of 95 out of 100.
Bundling saves policyholders $213 per year at a 6% discount.
Name Your Price tool helps customize auto coverage to fit specific budgets while maintaining adequate protection.
cons
Home customer experience ranks fourth among the five providers in the analysis, indicating potential service limitations.
Home coverage options rank fourth of five providers, suggesting fewer policy features compared to competitors.
COMPANY HIGHLIGHTS
At $3,521 per year, Progressive is South Carolina's second-ranked home and auto bundle provider with a MoneyGeek score of 95 out of 100 (4.7 out of 5). Policyholders save $213 per year through a 6% bundle discount, point behind top-ranked State Farm.
Progressive's Snapshot program uses telematics to track driving habits and can provide additional auto discounts beyond bundle savings for safe drivers. The company ranks first in auto coverage among South Carolina providers, offering features like gap coverage and custom parts coverage that aren't standard elsewhere. Home policies in South Carolina are written through affiliate insurance companies rather than Progressive directly.
Progressive's Name Your Price tool helps bundled policyholders set its budget first, then builds coverage options around that target premium.
How to Get Cheaper Home and Auto Bundle Insurance in South Carolina
South Carolina homeowners pay higher insurance costs than most states due to storm exposure, making bundle savings strategies valuable. Adjusting coverage levels and maximizing available discounts are your two best tools for reducing premiums.
Choose a Higher Deductible
A higher deductible reduces your premium . Moving from a $500 to $1,000 deductible can lower costs, but you'll pay more out-of-pocket if you file a claim. Make sure you have adequate cash reserves before increasing your deductible.
Use a Driving Discount Program
State Farm's Drive Safe & Save and Progressive's Snapshot track your driving habits through smartphone apps. These programs monitor speed, braking and mileage to offer discounts up to 30%. These savings stack on top of your bundle discount.
Improve Your Home's Wind Resistance
Impact-resistant roofing, storm shutters and hurricane straps qualify for premium discounts in South Carolina. These wind mitigation features protect against the state's hurricane risk while reducing your insurance costs. Discounts stack with bundle savings.
Keep Your Credit Score Strong
South Carolina insurers use credit-based insurance scoring for both home and auto coverage. Good credit can lower your premiums at renewal time. Pay bills on time and keep credit utilization low to maintain strong credit standing.
Home and Auto Insurance in South Carolina: FAQ
Does South Carolina's regional risk affect bundle insurance rates?
Yes. South Carolina's hurricane exposure is the main cause of high home insurance premiums, which in turn increase the cost of bundled home and auto policies. Insurers assess wind zones, proximity to the coast, construction materials and roof age when pricing South Carolina policies. Installing impact-resistant roofing or hurricane shutters can help offset premium increases.
Which company has the best bundle in South Carolina for homeowners who want more coverage?
State Farm leads South Carolina's homeowner insurance market with a MoneyGeek score of 96 out of 100. The insurer offers comprehensive add-ons like equipment breakdown coverage for appliances, service line protection for utility connections and extended replacement cost coverage that goes beyond standard policy limits.
Should I bundle home and auto insurance in South Carolina?
Yes. Every provider in MoneyGeek's South Carolina analysis saves policyholders money through bundling home and auto insurance. Beyond the financial benefits, combining policies simplifies billing and renewals with a single insurer handling both coverages.
Best Auto and Home Insurance Bundle in South Carolina: Our Methodology
MoneyGeek sourced home and auto bundle premiums from the South Carolina Department of Insurance, Quadrant Information Services, AM Best and J.D. Power. Premiums are averages and vary by ZIP code, claims history and individual profile.
- MoneyGeek score: Weights affordability, customer satisfaction (AM Best and J.D. Power) and coverage quality
- Baseline driver: 40-year-old with good credit, 2021 Toyota Camry, 50/100 full coverage with $1,000 deductible
- Baseline home: $250,000 dwelling, $125,000 personal property, $200,000 liability
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers.
He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships.
His insights — on products ranging from car, home and renters insurance to health and life insurance — have been featured in The Washington Post, The New York Times and NPR among others.
Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to analysis of the personal insurance market. He's also a five-time Jeopardy champion!