Cheapest Home Insurance in South Carolina

Chubb is the cheapest home insurance option for most homeowners in South Carolina, with an average monthly savings of $365. The following is a summary of the state's most affordable providers.

*We based these rates on a house built in 2000 with a $1,000 deductible, $250,000 in dwelling coverage, $125,000 in personal property coverage, $200,000 in liability coverage and class-3 fire protection. The insured is assumed to have good credit and no claims in the past five years.

We've listed the cheapest options for most homeowners, but your rates depend on your situation. Chubb offers the lowest overall rates, while State Farm leads for newer homes. The most affordable companies by category are below.

*We modified rates based on our methodology’s base profile. Newer home estimates reflect a home built in 2023, high-risk fire estimates are for a policy with 8-class fire protection, and bad credit rates assume a poor credit score on the FICO scale.

The companies listed above provide the best rates for their categories, but actual rates depend on your profile. Use the filter below to get a personalized list of the cheapest providers for your situation.

Risk factors vary by location, making some providers more affordable than others. For example, while Farmers is the cheapest in most cities, State Farm offers lower rates in North Charleston. Chubb provides the most affordable options in Columbia, Myrtle Beach and Sumter.

*These rates are based on a house built in 2000 with a $1,000 deductible, $250,000 in dwelling coverage, $125,000 in personal property coverage, $200,000 in liability coverage and class 3 fire protection. The insured is assumed to have good credit and no claims in the past five years.

Home insurance in South Carolina costs less when you shop strategically. Follow these steps to lower your premium and maximize savings on your policy.

Chubb, State Farm and Allstate offer South Carolina's most affordable home insurance, with savings of up to 73% annually. If you're denied coverage, the TFPA provides low-cost policies. Compare multiple insurers, research costs and understand your coverage needs before buying.

Finding affordable home insurance in a state with hurricane and flood risks is challenging. Our experts address the most common questions about coverage and cost.

Finding home insurance in South Carolina is tough due to coastal risks and mandatory hurricane deductibles. We know you need reliable coverage that can handle severe weather claims. We built our analysis around a standard homeowner profile to give you a strong baseline for comparison, helping you find trustworthy financial protection at the lowest cost.

Defining Our Sample Profile

We started with a base profile to determine the cheapest home insurance companies in South Carolina. By using fixed policy details and property characteristics, we ensure accurate comparisons across different insurers.

Our base profile included:

• $250,000 dwelling coverage
• $125,000 personal property coverage
• $200,000 liability coverage
• Home built in 2000
• Frame construction
• Composition roof
• $1,000 all perils deductible
• No claims in the past five or more years
• 3-class fire protection

We adjusted all other combinations based on this core profile to provide a more accurate comparison for your specific situation. These figures are estimates only, so compare quotes from multiple providers to secure the best deal.