Home insurance cost in South Carolina
About $3,205 a year, or $267 a month, for $400,000 of dwelling coverage, per NerdWallet's 2026 rates. The U.S. average is $2,490.
Home insurance cost
$3,205
a year
A month
$267
Rank
32 of 51
1 = cheapest; +29% vs U.S.
| State | Home insurance cost | Rank |
|---|---|---|
| Indiana | $2,985 | 30 |
| North Carolina | $3,025 | 31 |
| South Carolina | $3,205 | 32 |
| Georgia | $3,225 | 33 |
| Illinois | $3,240 | 34 |
| U.S. | $2,490 | - |
Common questions
How much is homeowners insurance in South Carolina?
About $3,205 a year, or $267 a month, for $400,000 of dwelling coverage, per NerdWallet's 2026 rates. The U.S. average is $2,490.
Is home insurance in South Carolina expensive?
South Carolina ranks 32 of 51 (1 = cheapest). Your price depends on the home's rebuild cost, location, claims history, credit and deductible.
Add insurance and taxes to a full payment with the mortgage calculator.
More for South Carolina: monthly budget · take-home pay · rent.