Affordable Home Insurance in South Carolina
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What drives home insurance rates in South Carolina
Average homeowners premium, 2023
$1,753
The average homeowners policy in South Carolina cost $1,753 for a year of coverage in 2023, against $1,737 nationally.
Claims paid per premium dollar, 2023
51.1¢
Home insurers in South Carolina paid 51.1 cents in claims for every premium dollar in 2023; the median state was 64 cents.
Severe weather events, 2024
329
NOAA logged 57 tornado, 81 large-hail and 191 flash-flood event reports in South Carolina in 2024, counted per county or zone. Wind and hail claims fall on the homeowners policy; flood needs its own.
Natural-hazard loss rank
#16
FEMA ranks South Carolina #16 of 51 for expected annual loss from natural hazards; hurricane accounts for 40% of that loss, and wind damage is covered under most policies, and flood needs a separate policy.
- Average homeowners premium, 2023: NAIC Homeowners Insurance Report, 2023 data
- Claims paid per premium dollar, 2023: NAIC Profitability by Line by State, 2023
- Severe weather events, 2024: NOAA Storm Events Database, 2024
- Natural-hazard loss rank: FEMA National Risk Index
Largest home insurers in South Carolina
The ten insurer groups that wrote the most home premium in South Carolina in 2025, with their share of the state total of $3.5 billion.
| # | Insurer group | Market share | Premiums written |
|---|---|---|---|
| 1 | State Farm Group | 20.21% | $708 million |
| 2 | United Services Automobile Association Group | 9.25% | $324 million |
| 3 | Allstate Insurance Group | 8.43% | $296 million |
| 4 | Travelers Group | 6.08% | $213 million |
| 5 | American Family Insurance Group | 4.37% | $153 million |
| 6 | Frontline Insurance Group | 3.93% | $138 million |
| 7 | Iat Reins Co. Group | 3.84% | $135 million |
| 8 | South Carolina Farm Bureau Mutual Group | 3.69% | $130 million |
| 9 | Auto Owners Group | 3.51% | $123 million |
| 10 | Liberty Mutual Group | 3.47% | $122 million |
Source: NAIC Market Share Reports, 2025 data, direct premiums written by insurer group. GEICO writes inside Berkshire Hathaway Group. Ranking is market commentary; it says nothing about which carriers a quote comparison includes.
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