Renters and home insurance rates in South Carolina
The NAIC's published average premiums for South Carolina by policy form, with Census ACS housing records for every county: renter households, median gross rent and median home value.
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Figures are published averages, never quotes; methodology at the foot of the page.
- average renters premium (HO-4), per year
- $186
- average homeowners premium (HO-3), per year
- $1,571
- renter households
- 591,532
By county
By county
| Greenville County | 67,409 | $1,198 | $273,900 |
|---|---|---|---|
| Richland County | 65,510 | $1,185 | $224,200 |
| Charleston County | 64,074 | $1,506 | $450,800 |
| Horry County | 36,316 | $1,181 | $260,500 |
| Spartanburg County | 34,811 | $1,019 | $216,000 |
| York County | 29,654 | $1,304 | $322,700 |
| Lexington County | 27,960 | $1,115 | $217,700 |
| Berkeley County | 23,397 | $1,518 | $280,300 |
| Anderson County | 20,175 | $952 | $212,500 |
| Beaufort County | 19,123 | $1,484 | $407,600 |
| Florence County | 18,625 | $908 | $165,500 |
| Aiken County | 16,003 | $1,031 | $199,500 |
| Pickens County | 15,154 | $936 | $216,000 |
| Dorchester County | 15,131 | $1,381 | $294,400 |
| Sumter County | 13,692 | $1,006 | $159,500 |
| Orangeburg County | 11,210 | $804 | $109,700 |
| Greenwood County | 9,400 | $880 | $166,400 |
| Oconee County | 8,273 | $876 | $217,200 |
| Laurens County | 7,715 | $847 | $153,500 |
| Darlington County | 7,364 | $876 | $141,400 |
| Lancaster County | 6,558 | $892 | $298,100 |
| Cherokee County | 5,839 | $813 | $135,200 |
| Chesterfield County | 4,804 | $776 | $101,400 |
| Kershaw County | 4,748 | $872 | $191,900 |
| Georgetown County | 4,494 | $1,166 | $262,300 |
| Marion County | 4,459 | $663 | $86,800 |
| Colleton County | 4,301 | $905 | $145,900 |
| Dillon County | 4,202 | $692 | $84,400 |
| Newberry County | 4,048 | $854 | $158,200 |
| Union County | 3,607 | $770 | $100,000 |
| Marlboro County | 3,600 | $686 | $74,500 |
| Clarendon County | 3,231 | $728 | $147,300 |
| Williamsburg County | 3,085 | $769 | $95,100 |
| Jasper County | 2,982 | $1,307 | $269,400 |
| Chester County | 2,858 | $918 | $143,800 |
| Barnwell County | 2,349 | $695 | $97,200 |
| Abbeville County | 2,198 | $634 | $147,200 |
| Fairfield County | 2,105 | $910 | $129,100 |
| Edgefield County | 1,917 | $854 | $194,300 |
| Hampton County | 1,874 | $815 | $102,400 |
| Lee County | 1,671 | $806 | $101,900 |
| Saluda County | 1,645 | $814 | $123,200 |
| Bamberg County | 1,184 | $794 | $96,000 |
| Allendale County | 1,118 | $691 | $61,600 |
| Calhoun County | 997 | $994 | $148,800 |
| McCormick County | 662 | $666 | $159,000 |
Download the South Carolina county-level dataset (CSV), free to reuse with citation.
Sources, citation and related pages
Cite or embed this figure
The average annual renters insurance premium in South Carolina was $186 in 2022, across 591,532 renter households recorded in the HomeCover HQ Rates Index (NAIC premiums; Census ACS households).
Cite as: "HomeCover HQ Rates Index: South Carolina", updated 2026-08-17, https://homecoverhq.com/rates/south-carolina/.