The average renters insurance in South Carolina is $294 per year — that's 2% above the U.S. average of $288, the 9th most expensive of 51 states.
| South Carolina average | $294 per year |
|---|---|
| U.S. average | $288 per year |
| Difference | +2% (+$6/yr) |
| Rank (most expensive) | 9th of 51 |
South Carolina sits in the South and ranks 9th of 51 for renters insurance cost. The main driver is local weather risk, rebuilding/repair costs, and claim frequency — insurers price that risk straight into your premium. Either way, the same coverage is quoted very differently between carriers, so what you personally pay comes down to who you buy from.
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The levers that move your rate the most: bundling renters with your car insurance; raising your deductible; asking about security/safety discounts (alarms, deadbolts, smoke detectors); comparing a few carriers — renters policies are cheap but still vary. The biggest one is simply re-shopping at renewal — insurers raise rates on existing customers faster than they quote new ones, so loyalty quietly costs you.
Compare South Carolina Renters Insurance Rates — Free, 2 Minutes →The average renters insurance in South Carolina is about $294 per year as of 2026 — 2% above the national average of $288 per year. Your own rate depends on your specifics, so comparing quotes is the only way to know yours.
South Carolina ranks 9th out of 51 for renters insurance cost. Rates run high largely because of local weather risk, rebuilding/repair costs, and claim frequency.
The fastest levers: bundling renters with your car insurance, raising your deductible, asking about security/safety discounts (alarms, deadbolts, smoke detectors). Re-shopping at renewal is the single biggest one — it's free and doesn't change your current policy.