South Carolina Renters Insurance Guide 2026
Average cost, coverage recommendations, legal requirements, and tips for renters insurance in South Carolina. Use our free calculator to estimate your monthly premium. If you're looking for south carolina renters insurance, this guide covers everything you need to know about costs, coverage, and top insurers. If you're looking for south carolina renters insurance, this guide covers everything you need to know about costs, coverage, and top insurers.
South Carolina Renters Insurance at a Glance
Estimate Your South Carolina Renters Insurance Premium
Use this quick calculator to estimate your monthly renters insurance premium in South Carolina.
Top 3 Cheapest Renters Insurance Companies in South Carolina
*Rates based on $30,000 personal property, $100,000 liability, $500 deductible. Actual quotes may vary. Get personalized quotes from multiple insurers.
Unique Risks in South Carolina
Hurricane risk (coastal - Charleston). Some earthquake risk (Middleton Place-Sumerville seismic zone). Columbia has moderate rates. Coastal areas may require separate wind/hail deductible.
📊 Average Premium by City
| City | Avg. Monthly Premium |
|---|---|
| Charleston | $26/mo |
| Columbia | $27/mo |
| North Charleston | $29/mo |
| Mount Pleasant | $30/mo |
| Rock Hill | $31/mo |
Average Premium by City in South Carolina
| City | Avg. Monthly Premium | Notes |
|---|---|---|
| Charleston | $34/mo | Highest rates, hurricane risk |
| Columbia | $22/mo | Capital, moderate rates |
| Greenville | $24/mo | Upstate, lower rates |
| Myrtle Beach | $30/mo | Coastal, tourist area |
| Spartanburg | $23/mo | Upstate |
Rates are based on $30,000 personal property coverage and $100,000 liability. Actual premiums vary by coverage amount, deductible, credit score, and claims history.
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Data Sources for South Carolina
Average premiums: NAIC 2024-2025 state rate filings.
Coverage recommendations: III Renters Insurance Guide 2026.
This tool provides estimates only — actual premiums vary by insurer, credit score, and claims history.