Compare average insurance rates in St. Andrews for 2026
🏠
Home
$2186
/year
🚗
Auto
$1720
/year
🏥
Health
$564
/month
💰
Life
$24
/month
🏢
Renters
$18
/month
Home Insurance in St. Andrews, SC
The average cost of homeowners insurance in St. Andrews, South Carolina is $2,186 per year in 2026. This compares to the state average of $2,350 per year.
$2,186per year (avg in St. Andrews)
$1395SC avg: $2,350$3162
Factors Affecting Home Insurance in St. Andrews
🏠
Home Value Average: $270,000
🌪
Weather Risk high
🌊
Flood Zone 16% of properties
📈
Cost Index 0.93 (100 = national avg)
⚠️
Hurricane Zone: St. Andrews is located in a hurricane-prone area. Home insurance premiums may include wind and storm surcharges. Coastal surcharges may apply to properties near the shoreline.
Home Insurance Coverage Comparison
Coverage Tier
Dwelling Coverage
Personal Property
Liability
Est. Annual Cost
Basic (HO-1)
$216,000
$108,000
$100,000
$1,639
Standard (HO-3)
$270,000
$135,000
$300,000
$2,186
Premium (HO-5)
$337,500
$202,500
$500,000
$2,951
Auto Insurance in St. Andrews, SC
The average annual cost of auto insurance in St. Andrews is $1,720, compared to the South Carolina state average of $1,850.
$1,720per year (avg in St. Andrews)
$1070SC avg: $1,850$2464
📋
Minimum Coverage in South Carolina: 25/50/25
Auto Insurance Coverage Comparison
Coverage Level
Liability
Collision
Comprehensive
Est. Annual Cost
Liability Only
State Minimum
None
None
$946
Full Coverage
100/300/100
$500 deductible
$500 deductible
$1,720
Premium
250/500/250
$250 deductible
$250 deductible
$2,236
Health Insurance in St. Andrews, SC
The average monthly health insurance premium in St. Andrews is $564 per month. Costs vary significantly based on plan tier, age, tobacco use, and household size.
$564per month (avg individual plan)
Health Insurance Plan Tiers
Plan Tier
Avg Monthly Premium
Typical Deductible
Out-of-Pocket Max
Best For
Bronze
$406
$7,000
$9,100
Healthy, low usage
Silver
$564
$4,500
$9,100
Moderate usage
Gold
$705
$1,650
$8,700
Regular medical needs
Platinum
$846
$0
$4,500
High usage / families
Life Insurance & Renters Insurance in St. Andrews
💰 Life Insurance
$24
per month (20-year term, $500K)
Life insurance rates in South Carolina are based on age, health, and coverage amount. A healthy 35-year-old can expect to pay around $24/mo for a 20-year term policy with $500,000 coverage.
🏢 Renters Insurance
$18
per month (avg in St. Andrews)
Renters insurance in St. Andrews covers personal belongings, liability, and additional living expenses. The state average is $/mo. Most policies include $30K–$50K in personal property coverage.
Insurance Cost Calculator for St. Andrews
Estimate your total annual insurance costs based on your personal profile.
The average home insurance cost in St. Andrews, SC is $2,186 per year for a standard HO-3 policy. Rates range from $1,395 to $3,162 depending on your home value, coverage level, deductible, and specific risk factors.
The average auto insurance premium in St. Andrews is $1,720 per year for full coverage. Liability-only coverage averages around $774 per year. South Carolina requires minimum coverage of 25/50/25.
Insurance costs in St. Andrews are close to the national average (cost index: 0.93). Home insurance averages $2,186/yr and auto insurance $1,720/yr. Relatively moderate costs reflect the area's manageable risk profile.
Key factors include: local cost of living (index: 0.93), hurricane exposure, significant flood zones (16% of homes), average home values ($270,000), your personal claims history, credit score, and at-fault insurance laws in South Carolina.
Top strategies: bundle home and auto (save 10-25%), raise deductibles, maintain good credit, compare quotes from 3+ insurers annually, and ask about available discounts. St. Andrews residents can potentially save $781+ per year.
South Carolina requires minimum auto liability coverage of 25/50/25 (bodily injury per person / per accident / property damage in thousands). This is the legal minimum, but most experts recommend higher limits for adequate protection.
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