Renters Insurance Cost in South Carolina (2026 Average)
South Carolina renters paid about $124 a year on average in the NAIC 2021 baseline, about $46 less than the $170 US average. The state average is a useful baseline, but your quote will depend on your city, coverage limits, deductible, and claims history.
What drives South Carolina renters insurance costs
South Carolina renters paid about $124 a year on average in the NAIC 2021 baseline, about $46 less than the $170 US average.
Weather exposure is a major driver here: hurricane and severe-storm exposure is significant, especially near the coast.
Claim frequency and litigation also matter: claim frequency is moderate.
Replacement costs and carrier competition round out the picture: replacement costs are moderate, and a competitive southeast carrier market keeps the average below the national figure.
How South Carolina compares
| Location | Average annual premium | vs US average ($170) |
|---|---|---|
| South Carolina | $124 | −$46 |
| United States (national average) | $170 | baseline |
| Georgia | $158 | −$12 |
| North Carolina | $128 | −$42 |
| Florida | $159 | −$11 |
A minus sign means the average is below the US average. Figures are the NAIC 2021 baseline; 2026 quotes run higher after inflation.
Next steps
Estimate your own premium
State averages only get you part of the way. Your real quote depends on your address, the coverage you choose, and your claims history.