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Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

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Renata Balasco

Senior Content Strategist

  • Licensed Insurance Agent — Property and Casualty

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

How to get affordable renters insurance in South Carolina

Renters insurance is an affordable type of insurance that keeps your belongings safe in the event your apartment suffers major damage. A renters policy defends your belongings from smoke or fire damage, a wind storm, vandalism, theft and a variety of other common events.

Unlike auto insurance, renters policies aren’t priced based on state laws. Even so, there are relatively substantial differences in the price of renters insurance from state to state. Renters insurance rates in states may differ depending on the frequency of — and value of — renters claims lodged in the state, and depend on the value of the belongings being insured.

Getting renters insurance in South Carolina is more expensive than the US average. The average annual cost of renters insurance in South Carolina is $185, $1 more expensive than the national average.

The best way to find an affordable renters insurance policy in South Carolina is to compare rates and consider policies from multiple insurance companies. Get an idea of average renters insurance rates in South Carolina via the below data. Remember: your rates may differ, depending on your coverage limits and the valuation of your belongings.

Jump to:
  1. Rates by company
  2. Rates by city
  3. Rates by coverage level
  4. Bundling discounts
  5. Frequently asked questions

Renters insurance prices in South Carolina by company

Renters insurance prices in South Carolina can vary depending on the insurer you use. AAA offers the most affordable renters insurance in South Carolina, at only $110 annually. This compares favorably to the state mean rate of $185, offering a 41% discount on rates typical to the state.

Start your search for a renters insurance policy by reviewing the most affordable South Carolina insurance companies, listed below.

Company Average 12-Month Rate in South Carolina
AAA $110
State Farm $121
Travelers $175
American Strategic $237
Universal Insurance $239

South Carolina renters insurance costs by city

Renters insurance rates in South Carolina vary depending on the city. Pricing depends on local variables such as the number of local claims filed, giving your ZIP code weight in deciding how much you pay.

The cheapest renters insurance rates in South Carolina are available in Greer. The average renters insurance policy in Greer costs only $167 every 12 months — $18 less than the average South Carolina rate. The below table shows the best places to live in South Carolina if you’re looking for cheap renters insurance.

City Average Annual Renters Insurance Rate
Greer $167
Taylors $167
Simpsonville $167
Easley $168
Anderson $169

Renters insurance in SC by coverage tier

The cost of your renters insurance depends on the amount of coverage you opt to carry. The most common levels of renters insurance coverage are $25,000 and $50,000 property coverage. In South Carolina, the annual cost difference between these tiers is about $61. If you can afford the up-front expense, it's an option worth considering.

Coverage Level Average Annual Renters Insurance Rate in South Carolina
$25K Property $155
$50K Property $215

Tip: bundle auto and renters insurance in South Carolina

If you want to save on insurance, consider holding your renters and auto policies with the same insurance company. Bundling auto and renters insurance in South Carolina can lead to substantial savings on auto insurance. In fact, bundling policies in South Carolina may generate yearly savings of $49.

Avg. Annual Rate (No Bundle) Avg. Annual Rate (w/ Bundle) Annual Savings ($) Annual Savings (%)
$1,369 $1,320 $49 4%

South Carolina renters insurance FAQs


Is renters insurance required in South Carolina?

Landlords in South Carolina can require you to purchase and maintain renters insurance as a part of your lease agreement. This provides coverage should you accidentally damage the property or liability protection should someone get hurt. It also covers your personal belongings.

What does South Carolina renters insurance cover?

Renters insurance policies usually provide property coverage for your home's contents, liability insurance, medical payments to others, and additional living expenses. These options are usually flexible and may depend on the company that you choose.

Need renters insurance? Talk to an expert today.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.