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Home Insurance and Car Insurance in South Carolina
South Carolina residents choose to live in the Palmetto State for a variety of reasons, ranging from its close proximity to the Atlantic to its rich history of textile development and manufacturing. Whether you call Charleston home or live along the shores of Myrtle Beach, finding affordable home and auto insurance is important. SelectQuote offers competitive quotes for home and car coverage, including bundled policies that can save you hundreds of dollars each year.Homeowners Insurance in South Carolina
For homeowners in South Carolina, buying home insurance is one of the best ways to protect your property. Home insurance isn’t just for the structure of your home; the right kind of homeowners insurance policy can protect both your home and its contents. Depending on the type of policy you choose, your insurance may even cover the full costs of rebuilding your house. There are two kinds of home insurance policies to look out for: actual cash value policies and full replacement cost policies.Actual cash value policies are home insurance policies where the dollar amount paid for a claim is the current cash value, minus depreciation. Full replacement cost policies ignore depreciation and pay for full replacement up to the policy limit.
This example helps explain the difference between these policy types: a home valued at $250,000 is destroyed and the cost to rebuild is $275,000. With an actual cash value policy, the insurance company will pay $250,000 but you will be responsible for the remaining $25,000. A full replacement cost policy will pay the full $275,000.
Homeowners Insurance Coverage Options in South Carolina
While the actual coverages provided by a home insurance policy will vary between companies and sometimes even between states, most policies can be expected to offer the following types of home insurance coverage:- Dwelling coverage is a standard policy that covers the actual physical structure of your home. If you have an attached garage or other structure, this will be covered as well.
- Personal property coverage works to cover your household belongings. If it’s inside or outside your home, it is covered.
- Personal liability coverage protects you in the event that someone is injured on your property and you’re found at fault. It also covers damage to another person’s property.
- Guest medical protection coverage exists to cover people who are injured on your property, regardless of who may be at fault.
Common Causes of Loss in South Carolina
South Carolina’s position along the East Coast puts it at increased risk of damage due to tropical storms and other forms of severe weather. Tropical storms and hurricanes can hit the state and cause wind and water damage due to flooding. They’re not the only common causes of loss in the state, however:- Wildfires are common, especially during late winter and early spring.
- Tornadoes can hit South Carolina hard, and when they do they bring high winds, rain or hail that can cause serious property damage.
- Theft is another common reason for filing a home insurance claim.
- Earthquakes are surprisingly frequent in the state of South Carolina, with 10 to 15 being recorded each year. Only a few of them are strong enough to be felt in homes, but the state is at high risk for seismic activity.
Additional Coverage Options Recommended for South Carolina Homeowners
Because of some of the elevated risk factors listed above, it may make sense for South Carolina homeowners to purchase additional coverage to protect their property. Depending on what part of the state you call home, you might consider buying one or more of the following types of insurance coverage:- Flood insurance is not included on any standard home insurance policy, which means it must be purchased either separately through the National Flood Insurance Program (NFIP) or as an endorsement on your homeowners policy. Check with your insurer to see if it is offered.
- Water backup coverage can help pay for damage caused by backed up drains or sewer lines. Because South Carolina sees frequent heavy rainstorms, your sump pump may fail to keep up. Protect your home’s crawl spaces, basements or other below-ground areas with this insurance.
- Earthquake coverage can help pay for damages related to earthquakes, which are more common than one might expect. Severe damage is very rare, but high-risk homeowners may want to purchase this coverage just the same.
Our Home Insurance Partners in South Carolina
SelectQuote works with highly rated and trusted home and auto insurance companies in South Carolina and other states to provide unbiased quotes to our customers. We can help you narrow down your home insurance choices with competitive rates that match your coverage needs.What is the average home insurance cost in South Carolina?
The average home insurance rate paid by SelectQuote customers in South Carolina is $129.34.+ Your rate will vary based on several factors, including but not limited to:- Your policy limits
- Any endorsements
- Your deductible
- Your credit rating
- The age and condition of your home
- Number of previously filed claims
Homeowners Insurance Discounts in South Carolina
If you’re worried about the cost of your South Carolina home insurance coverage, you’re not alone. Thankfully, insurance companies in South Carolina offer plenty of discount opportunities. From reduced rates for customer loyalty to lowering your deductible, many insurance companies offer discounts like:- Installing a home security system
- Updating your roof
- Buying or building a new home
- Bundling your home and auto coverage under one policy
Bundle Your Home and Auto Insurance to Save Money
A bundled home and auto policy can save you an average of $693 per year when you work with SelectQuote to find your home and car insurance.Average Home and Auto Insurance Rates in South Carolina
The rates listed below represent real average rates for SelectQuote customers in different South Carolina cities. Your own rates will vary by ZIP code, the age of your home, available discounts and other factors.| City | Avg. Monthly Home Insurance Rate | Avg. Monthly Auto Insurance Rate | Avg. Monthly Rate of Bundled Policies |
| Aiken | $107.36 | $189.86 | $253.93 |
| Anderson | $116.35 | $214.12 | $312.73 |
| Columbia | $130.91 | $179.61 | $274.20 |
| Fort Mill | $110.81 | $118.14 | $233.63 |
| Greenville | $110.99 | $164.05 | $220.83 |
| Lexington | $115.07 | $217.43 | $232.95 |
| Rock Hill | $126.04 | $168.96 | $255.35 |
| Simpsonville | $106.59 | $131.69 | $224.97 |
| Spartanburg | $99.78 | $181.29 | $259.31 |
| Summerville | $144.36 | $129.82 | $258.60 |
Average monthly rates are from effective SelectQuote customer policies between 4/1/2022 and 3/31/2023.
Auto Insurance in South Carolina
Almost 4 million drivers share South Carolina’s roadways, where an average of 140,000 traffic collisions occur each year.1,2 Each of these drivers needs car insurance to help protect them from financial liability if they cause a car accident. SelectQuote is here to help if you have questions about buying auto insurance or how to compare quotes from different insurance companies at one time.South Carolina Auto Insurance Laws and Requirements
The following types of auto insurance coverage are available in South Carolina. Some drivers will be required to purchase only liability coverage, while others may need to buy additional types of auto insurance based on lender requirements.- Liability insurance pays for damages caused by you if the accident is your fault. It will also pay for medical bills incurred by the other driver or their passengers. South Carolina requires drivers to have $25,000 of coverage for injuries per person, up to $50,000 per accident. It also requires $25,000 of coverage for property damage. This coverage, known as 25/50/25 coverage, is the bare legal minimum for drivers in South Carolina, but you can purchase more if you want to.
- Uninsured/underinsured motorist coverage pays for medical expenses when the other driver is at fault and doesn’t have sufficient insurance coverage. South Carolina requires all drivers to carry uninsured motorist coverage in the same amounts as liability coverage. All insurers must offer underinsured motorist coverage, but you aren’t required to buy it.
- Personal injury protection insurance can help pay for medical expenses or funeral expenses for you or your passengers.
- Collision coverage helps cover expenses for repairs or replacement for your vehicle if it is damaged in an accident.
- Comprehensive coverage can help pay for repairs or replacement for vehicles that are stolen or damaged by storms, vandalism or animals.
- Gap insurance helps cover the difference between what your car is valued at versus how much you owe on the loan.
| Types of Coverage | Minimum State Requires |
| Bodily Injury Liability | $25,000 per person / $50,000 per accident |
| Property Damage Liability | $25,000 |
| Uninsured Motorist | $25,000 per person / $50,000 per accident |
| Underinsured Motorist | Not required |
| Personal Injury Protection | Not required |
| Collision | Not required |
| Comprehensive | Not required |
| Gap Insurance | Not required |
South Carolina Teen Driving Laws
South Carolina offers a graduated driver’s licensing program for drivers who are 15 to 17 that allows them to practice driving, albeit with restricted nighttime and unsupervised driving. Requirements vary based on age, but typically include a driver’s education course (including both a written and driving test) and practiced supervised driving.All teens are required to carry auto insurance, either on their own or via their parents’ or guardians’ policy. It’s often cheaper for parents or guardians to add teen drivers to their policy.South Carolina Car Registration Information
To register a new vehicle in South Carolina (either as a new resident or a new car owner), you’ll need to do so within 45 days and provide:- Title application
- Title and registration fees
- Proof of SC driver’s license
- Proof of auto insurance
What is the average car insurance cost in South Carolina?
The average South Carolina car insurance policy costs $181.36+ per month for SelectQuote customers, although your own auto insurance rates will vary based on factors such as your type of insurance coverage, policy limits, ZIP code, make and model of vehicle and driving history. Applicable discounts will also impact what you pay for auto insurance.Our Auto Insurance Partners in South Carolina
SelectQuote partners with leading auto insurance companies to provide you access to detailed, competitive quotes for your car insurance coverage. Our technology allows us to shop several highly rated carriers at once in just minutes, and find auto insurance quotes that are tailored for you. Whether you need minimum legal coverage or a full coverage plan that offers near-total protection, we can help you compare rates and find the best coverage to suit your needs.Home and Auto Insurance Frequently Asked Questions
SelectQuote often hears some of the following questions as we help South Carolina residents find the right kind of home and auto insurance coverage for them.How much is hurricane insurance in South Carolina?
There is no specific insurance that covers hurricane damage, however, it is possible to buy additional wind storm endorsements for your home insurance policy. Rates for this coverage will vary based on your home, policy limits and other factors.
Is South Carolina a no-fault auto insurance state?
South Carolina is a fault-based state, which means at-fault drivers can be held legally liable for any costs incurred as a result of an auto collision or accident.
Do I need flood insurance if I live in South Carolina?
Insurance companies do not include flooding as a type of covered loss in their standard home insurance policies, which makes buying flood insurance from the National Flood Insurance Program or as an endorsement on your policy a good idea. Ask your licensed insurance agent if flood insurance makes sense based on where you live.
Do I need wind and hail insurance in South Carolina?
Most home insurance policies cover wind and hail damage, but some homeowners along the coast may want to purchase additional coverage. South Carolina’s location puts it at particular increased risk of damage due to hurricanes and other windstorms. Your mortgage lender may require you to purchase additional windstorm insurance to help offset the costs of rebuilding after a strong storm.
What is the penalty for driving without insurance in South Carolina?
If you choose not to purchase auto insurance, you may pay a $550 uninsured motorist fee each year. You can also be subject to heavy fines even beyond this fee. For the first offense, you may pay up to $200 and $5 per day for lapsed coverage. Your license may also be suspended. Continued failure to buy auto insurance could lead to misdemeanor driving convictions, suspended driver’s license and even jail term between 45 days and six months.3
SelectQuote Can Shop South Carolina Home or Auto Insurance to Help Save You Time and Money
Whether you want to buy your first home and auto insurance policy or are comparing prices from several carriers at once, SelectQuote can help you shop for your insurance coverage. We’ll compare rates from dozens of insurance companies in South Carolina and provide you with unbiased recommendations based on price—including additional discounts for bundling your coverage.Sources1. https://www.statista.com2. https://www.steinberglawfirm.com3. https://www.snelllaw.com+Average rates calculated are based on effective SelectQuote customer policies in South Carolina between 4/1/2022 and 3/31/2023. Rates will vary based on level of coverage, location, age, and additional determining factors.
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