🏠 Home insurance cost in South Carolina (2026)
The estimated average is $2,530 per year — above the national average (+10% vs. the U.S. average of $2,300).
South Carolina is home to about 5.4 million people, and home insurance here runs above the national average. Below, estimate a price for your own profile, then drill into your city — rates in a large metro like Charleston typically differ from smaller towns.
Estimate your home insurance in South Carolina
South Carolina home insurance estimator
Starts from the South Carolina average. Estimate only — get quotes to confirm.
Home insurance cost in South Carolina cities
| City | Population | Est. home insurance |
|---|---|---|
| Charleston | 155,369 | $2,530 |
| Columbia | 139,698 | $2,530 |
| North Charleston | 120,451 | $2,530 |
| Greenville | 72,310 | $2,429 |
South Carolina home insurance FAQ
How much is home insurance in South Carolina?
The estimated average home insurance in South Carolina is $2,530 per year, which is above the national average (+10% vs. the U.S. average of $2,300). South Carolina ranks 15 of 51 states from most to least expensive.
Why is home insurance expensive in South Carolina?
Home insurance pricing in South Carolina reflects local risk factors — weather and catastrophe exposure, accident/claim frequency, repair and medical costs, and state regulation. That’s why costs differ across the South.
How can I save on home insurance in South Carolina?
Compare at least three quotes from insurers active in South Carolina, bundle policies, and re-shop every year. Use the calculator above to see how your profile changes the price.