Home Insurance in South Carolina — Average Cost 2026
Average home insurance in South Carolina: $1,980/year ($165/month). South Carolina ranks #40 out of 51 states — above the national average.
Average annual
$1,980
Average monthly
$165
National rank
#40
of 51 states
vs national avg
+38.7%
South Carolina vs national average
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Why is home insurance expensive in South Carolina?
South Carolina faces elevated home insurance costs due to significant hurricane and wind storm exposure. Insurers price policies to account for the probability and severity of storm damage, which pushes premiums 39% above the national average in South Carolina.
Homeowners in South Carolina should note that standard homeowners policies may not cover flood damage — separate flood insurance through the NFIP or private carriers is typically required for comprehensive protection in hurricane-prone areas.