🏠 Home insurance cost in Charleston, SC (2026)
Estimated average: $2,530 per year — +10% vs. the U.S. average of $2,300.
$2,530
Est. home insurance in Charleston
per year
$2,530
South Carolina average
$2,300
U.S. average
155,369
Population
Estimate your home insurance in Charleston
Charleston home insurance estimator
Estimated$1,594/year
Starts from the Charleston estimate. Get quotes to confirm your price.
Charleston home insurance FAQ
How much is home insurance in Charleston, SC?
The estimated average is $2,530 per year — about the state average (0% vs. the South Carolina average of $2,530, and +10% vs. the U.S. average).
Is home insurance more expensive in Charleston than elsewhere in South Carolina?
Charleston has about 155,369 residents. Larger metro areas usually see higher rates due to traffic density, claim frequency, and repair costs. Compare nearby cities in the chart above.
How do I get the cheapest home insurance in Charleston?
Compare at least three quotes from insurers active in Charleston, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.