South Carolina offers a unique blend of coastal living, growing urban areas like Charleston and Columbia, and rural communities. In 2025, finding the right insurance coverage is essential to protect yourself, your family, and your assets from common risks like hurricanes, traffic accidents, and health emergencies. This guide covers the best insurance options in South Carolina for auto, health, home, renters, life, and pet insurance.
Auto Insurance in South Carolina
Driving in South Carolina requires minimum auto insurance coverage as mandated by state law. South Carolina follows a traditional liability insurance system, with specific minimum coverage limits designed to protect all parties involved in an accident.
| Coverage Type | Minimum Requirement |
|---|---|
| Bodily Injury Liability | $25,000 per person / $50,000 per accident |
| Property Damage Liability | $25,000 per accident |
Unlike some states, uninsured motorist coverage is optional but strongly recommended to protect you if you are involved in an accident with an uninsured driver.
Top Auto Insurance Providers in South Carolina
- GEICO offers competitive rates and extensive coverage options.
- State Farm is known for excellent customer service and local agents.
- Progressive provides customizable policies with discounts.
- Allstate offers many add-ons, including accident forgiveness.
Auto insurance premiums vary based on your driving record, vehicle type, location, and coverage choices. Shopping around and comparing quotes can help you find the best value.
Health Insurance in South Carolina
Residents must have health insurance under federal law, and South Carolina residents can purchase plans through the federal marketplace at HealthCare.gov. South Carolina does not have a state-run exchange.
Popular Health Insurance Providers
- BlueCross BlueShield of South Carolina: Largest provider with a wide network.
- Molina Healthcare: Offers Medicaid and Marketplace plans.
- Ambetter from Peach State Health Plan: Affordable options with good coverage.
Plan Options
- Bronze, Silver, Gold, and Platinum tiers offering different cost-sharing levels.
- Medicaid and CHIP for eligible low-income families and children.
- Health Maintenance Organizations (HMOs) and Preferred Provider Organizations (PPOs).
Plans typically cover preventive services, prescription medications, hospital stays, and mental health services.
Homeowners Insurance in South Carolina
Homeowners in South Carolina face risks such as hurricanes, flooding, and occasional severe storms, making reliable home insurance essential.
Average Premium and Providers
- Average annual premiums range from $1,100 to $1,600.
- Leading providers include State Farm, Allstate, Liberty Mutual, and Farmers Insurance.
Homeowners insurance typically covers:
- Fire and wind damage
- Theft and vandalism
- Liability protection in case of injuries on your property
- Optional flood insurance (usually purchased separately)
It’s important to review policies carefully, especially regarding flood coverage, as South Carolina has flood-prone areas.
Renters Insurance in South Carolina
Renters insurance is an affordable way to protect your personal belongings and liability if you rent your home or apartment.
Typical Costs and Providers
- Average monthly premiums range from $12 to $20.
- Top providers include Lemonade, State Farm, GEICO, and Allstate.
Standard renters insurance covers:
- Personal property loss or damage
- Liability protection if someone is injured in your rented home
- Additional living expenses if you need to temporarily relocate
Life Insurance in South Carolina
Life insurance offers financial security for your loved ones in case of your death. South Carolina residents can choose from various policies depending on their needs and budget.
Top Life Insurance Companies
- Haven Life offers easy online term policies.
- New York Life provides whole and term life plans with a long-standing reputation.
- Ethos focuses on fast online approvals.
- Prudential offers a broad range of life insurance products.
Common types:
- Term life insurance: Affordable coverage for a set period.
- Whole life insurance: Permanent coverage with cash value.
- Final expense insurance: Helps cover funeral and related costs.
Pet Insurance in South Carolina
Pet owners can protect their dogs and cats with insurance to help cover veterinary bills related to accidents, illnesses, and wellness care.
Top Pet Insurance Providers
Plans generally cover:
- Accidents and injuries
- Illnesses and chronic conditions
- Surgeries and hospitalizations
- Optional routine care and wellness visits
Final Thoughts
Choosing the best insurance in South Carolina in 2025 requires understanding your personal risks and the state’s unique environment. Whether it’s protecting your vehicle from accidents, securing health coverage, or safeguarding your home from storms, shopping around and comparing providers is essential. Use trusted resources like HealthCare.gov and consult local agents for personalized advice.
