Average insurance rates across 78 cities in South Carolina
| City | Population | Home /yr | Auto /yr | Health | Renters |
|---|---|---|---|---|---|
| Charleston | 706,884 | $2,186 | $1,720 | $564/mo | $18/mo |
| Greenville | 401,443 | $2,186 | $1,720 | $564/mo | $18/mo |
| Myrtle Beach | 332,181 | $2,186 | $1,720 | $564/mo | $18/mo |
| Rock Hill | 228,811 | $2,186 | $1,720 | $564/mo | $18/mo |
| Spartanburg | 200,000 | $2,186 | $1,720 | $564/mo | $18/mo |
| Mauldin | 168,313 | $2,186 | $1,720 | $564/mo | $18/mo |
| Columbia | 137,541 | $2,186 | $1,720 | $564/mo | $18/mo |
| North Charleston | 115,755 | $2,186 | $1,720 | $564/mo | $18/mo |
| Mount Pleasant | 90,945 | $2,186 | $1,720 | $564/mo | $18/mo |
| Florence | 90,419 | $2,186 | $1,720 | $564/mo | $18/mo |
| Sumter | 71,234 | $2,186 | $1,720 | $564/mo | $18/mo |
| Summerville | 50,839 | $2,186 | $1,720 | $564/mo | $18/mo |
| Goose Creek | 45,858 | $2,186 | $1,720 | $564/mo | $18/mo |
| Hilton Head Island | 37,708 | $2,186 | $1,720 | $564/mo | $18/mo |
| Greer | 37,010 | $2,186 | $1,720 | $564/mo | $18/mo |
South Carolina residents pay an average of $2,350 per year for home insurance and $1,850 for auto insurance. South Carolina follows an at-fault insurance system, meaning the driver who caused the accident is responsible for damages. The minimum auto liability coverage required is 25/50/25.
Health insurance in South Carolina averages $570 per month for an individual Silver marketplace plan. The weather risk level is high, with significant exposure to hurricanes. Top insurance providers in South Carolina include State Farm, Allstate, USAA.
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Policygenius The ZebraThe average home insurance cost in South Carolina is $2,350 per year. Rates range from $1,500 to $3,400 depending on home value, location, and coverage level.
Auto insurance in South Carolina averages $1,850 per year for full coverage. The state minimum coverage is 25/50/25.
South Carolina has moderate insurance costs, with home insurance at $2,350/yr and auto at $1,850/yr compared to national averages of $2,300 and $1,800 respectively.
South Carolina requires minimum liability coverage of 25/50/25 (bodily injury per person / per accident / property damage in thousands). It follows an at-fault system.
Last updated: March 2026. Insurance cost estimates are averages for informational purposes.