Renters Insurance in South Carolina

Policies are as cheap as $12 a month in SC

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Cheapest Renters Insurance in South Carolina

Renters insurance costs $17 a month or $206 a year in South Carolina, on average, which is slightly below the national average of $219 per year. However, for lower coverage amounts, rates can start as cheap as $12 per month depending on what type of coverage you are looking to buy.

In this article

Cheapest South Carolina renters insurance companies

There are many renters insurance companies to choose from in South Carolina. Prices vary slightly between companies, so it is important to compare quotes from multiple companies to find the best price and coverage.

Company Average annual premium
State Farm $165
Allstate $220
Travelers $213
Nationwide $224
Amica $198
Note: Average rates are based on online quotes from provider websites. Your rates may vary.

Although price is an important factor, here are some questions to consider when finding the right fit:

  • Do they offer discounts you can take advantage of, like bundling?
  • Do you want a dedicated agent?
  • Do you prefer speaking face to face, strictly over the phone or online?
  • Do they have offices nearby in case you would like to speak face to face?

Cost of renters insurance in South Carolina, by city

Renters insurance rates vary from city to city in South Carolina. Greenville, South Carolina, has the cheapest average rate of the cities we looked at of $194 a year. Mount Pleasant has the most expensive average rate at $273 a year.

City Average annual premium
Charleston $230
Columbia $200
North Charleston $236
Mount Pleasant $273
Rock Hill $196
Greenville $194
Summerville $234
Goose Creek $234
Hilton Head Island $261
Sumter $214
Note: Average rates are based on online quotes from provider websites. Your rates may vary.

South Carolina renters insurance companies

Another differentiating factor between South Carolina's many renters insurance companies you should consider is customer service. QuoteWizard uses two ratings systems to compare renters insurance companies' customer satisfaction.

We used two different metrics to compare customer satisfaction scores. The first is the J.D. Power overall customer satisfaction score, which rates renters insurance companies out of 1,000. The second metric we looked at is the NAIC Complaint Index, which compares the number of customer complaints to the size of the insurance company. Here are some of the best renters insurance companies in South Carolina.

Company 2021 J.D. Power overall satisfaction 2020 NAIC Complaint Index rating (lower is better)
State Farm 866 1.18
Allstate 833 1.41
Travelers 815 0.84
Nationwide 834 1.18
Amica - 0.92
Note: Complaint Index data from NAIC. J.D. Power ratings from 2021 U.S. Home Insurance Study.

Based on these ratings, State Farm and Travelers have the strongest customer service scores in South Carolina.

Best renters insurance companies in South Carolina

We found State Farm and Nationwide to be the best renters insurance providers in South Carolina. Here's why:

Best rates: State Farm

If you want the cheapest rates, then we recommend State Farm's renters insurance policy. State Farm has an average annual premium of $165, which is 22% lower than the state average. It also offers a discount of up to $722 when you bundle your auto and renters insurance policies with State Farm.

Additionally, State Farm received a great J.D. customer satisfaction rating of 866 out of 1,000 in J.D. Power's 2021 U.S. Home Insurance Study.

Best for coverage options: Nationwide

Nationwide offers all the standard coverages you would expect to see in a renters insurance policy as well as a few extra coverages that renters can purchase if they need additional protection. Additional coverages include credit card protection, which pays up to a certain limit for unauthorized transactions, and coverage for valuable items such as jewelry and fine art. Nationwide's renters insurance policy can also cover damages to alterations, additions or installations you make to your house.

Renters insurance quotes in South Carolina

We cannot stress enough the importance of comparing quotes. For the most part, coverage is consistent across companies, but costs can vary substantially because companies all calculate their risk differently. Getting multiple quotes is one of the best tools at your disposal to find which company best suits your needs at the price point that makes you most comfortable.

There are many factors renters insurance companies consider when quoting a rate. Your rates will vary depending on your coverage limits and the value of your belongings. A renters policy covers your belongings from fire or smoke damage, theft, wind damage, vandalism and a collection of other misfortunes.

Renters insurance quotes should outline your coverage limits, usually for four coverages: personal property, personal liability, medical payments to others and loss of use. It's important to make sure there aren't substantial coverage exclusions in your quote. Many insurers also allow you to customize the quote, like adding discounts or riders.

Renters insurance laws in South Carolina

There is no federal law that requires tenants to carry renters insurance; however, some landlords may require proof of renters insurance as part of the lease agreement.

Your landlord probably has an insurance policy that covers your home's structure, but landlord insurance does not cover your belongings. That's why we recommend that all tenants have their own renters insurance policy.


We collected quotes from 31 addresses in South Carolina for a renters insurance policy. We used the following coverages:

  • $30,000 personal property coverage
  • $500 deductible
  • $100,000 personal liability
  • $1,000 medical payments to guests
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