Below are our picks for the best home and auto insurance bundling companies in South Carolina:
Best Home and Auto Insurance in South Carolina
Updated: April 8, 2025
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Key Takeaways
Allstate, USAA, and State Farm are the top home and auto insurance choices in South Carolina.
State Farm offers the best home and car insurance discount, with savings of 17% on auto and 34% on home insurance.
The average annual home and auto insurance cost in South Carolina is $4,013, roughly 30% higher than the national average.
Who Offers the Best Home and Auto Insurance Bundles in South Carolina?
| USAA | 95 | $2,922 | $210 |
| Auto-Owners | 92 | $2,816 | $360 |
| State Farm | 89 | $2,301 | $796 |
| Allstate | 84 | $2,318 | $327 |
| Travelers | 80 | $5,594 | $736 |
| Progressive | 73 | $5,017 | $306 |
| Farmers | 65 | $7,127 | $572 |
State Farm: Best Cheap Home and Auto Insurance in South Carolina
State Farm offers the most affordable home and auto insurance in South Carolina, with bundling discounts of 17% for auto and 34% for home coverage. Young drivers can save more through programs like Steer Clear.
The company provides budget-friendly coverage without sacrificing service quality. It ranks seventh in J.D. Power customer satisfaction studies for auto and home insurance.
| Auto | $1,247 | $263 | 17% |
| Home | $1,054 | $533 | 34% |
USAA: Best Home and Auto Insurance in South Carolina for Military
USAA offers military families some of the lowest home and auto insurance rates in South Carolina. Drivers can save up to 30% through the SafePilot program by practicing safe driving. J.D. Power ranks USAA as the top company for home and auto insurance customer satisfaction.
| Auto | $1,034 | $0 | 0% |
| Home | $1,888 | $210 | 10% |
Allstate: Best Home and Auto Insurance Coverage Options in South Carolina
Allstate ranks second in South Carolina for affordable home and auto insurance. It offers savings through the Drivewise program, which can cut car insurance costs by up to 40%. Allstate's unique coverage options include accident forgiveness to prevent rate increases after crashes, new car replacement and green improvement reimbursement for eco-friendly upgrades.
| Auto | $1,337 | $235 | 15% |
| Home | $981 | $93 | 9% |
South Carolina Home and Auto Insurance Cost
South Carolina's average monthly home and auto insurance cost is $334, higher than the national average of $258. Depending on the provider, monthly rates range from $192 to $594.
| South Carolina home and auto insurance bundle | $4,013 | $-920 | 30% |
| National home and auto insurance bundle | $3,094 | $0 | 0% |
South Carolina Home and Auto Insurance Quotes Without Bundling
While our research shows that not bundling home and auto insurance in South Carolina costs less, your quotes may vary. Below are the average costs of all coverage combinations from our top providers without bundling, listed from cheapest to most expensive.
| USAA | Allstate | $2,107 |
| Auto-Owners | Allstate | $2,170 |
| State Farm | Allstate | $2,583 |
| USAA | State Farm | $2,621 |
| Auto-Owners | State Farm | $2,683 |
| Travelers | Allstate | $2,825 |
| USAA | Auto-Owners | $3,113 |
| Allstate | State Farm | $3,158 |
| Auto-Owners | USAA | $3,194 |
| Progressive | Allstate | $3,249 |
| Travelers | State Farm | $3,338 |
| State Farm | Auto-Owners | $3,589 |
| State Farm | USAA | $3,607 |
| Allstate | Auto-Owners | $3,651 |
| Allstate | USAA | $3,669 |
| Progressive | State Farm | $3,763 |
| Travelers | Auto-Owners | $3,831 |
| Travelers | USAA | $3,849 |
| USAA | Progressive | $4,181 |
| Auto-Owners | Progressive | $4,243 |
| Progressive | Auto-Owners | $4,255 |
| Progressive | USAA | $4,273 |
| State Farm | Progressive | $4,657 |
| Allstate | Progressive | $4,718 |
| USAA | Farmers | $4,754 |
| Auto-Owners | Farmers | $4,817 |
| Travelers | Progressive | $4,898 |
| Farmers | Allstate | $5,052 |
| State Farm | Farmers | $5,230 |
| Allstate | Farmers | $5,292 |
| Travelers | Farmers | $5,472 |
| Farmers | State Farm | $5,566 |
| USAA | Travelers | $5,613 |
| Auto-Owners | Travelers | $5,675 |
| Progressive | Farmers | $5,896 |
| Farmers | Auto-Owners | $6,058 |
| Farmers | USAA | $6,076 |
| State Farm | Travelers | $6,089 |
| Allstate | Travelers | $6,150 |
| Progressive | Travelers | $6,755 |
| Farmers | Progressive | $7,126 |
| Farmers | Travelers | $8,558 |
Should I Bundle Home and Auto Insurance in South Carolina?
For South Carolina drivers, bundling home and auto insurance is usually more expensive than buying them separately. Evaluate your coverage needs and financial situation to determine your best option.
Individual policies cost less in South Carolina
South Carolina's cheapest annual home and auto insurance cost without bundling is $2,107. With bundling, the lowest rate is $2,301. Buying policies separately is a more cost-effective choice.
Bundling makes policy management convenient
Bundling policies makes managing insurance easier since it’s through a single account, simplifying payments and policy updates.
It might be better not to bundle in South Carolina
Purchasing nonbundle insurance can help you save money and provide more flexible coverage options.
Best Auto and Home Insurance in South Carolina: Bottom Line
State Farm, Allstate and Auto-Owners are best for bundling home and auto insurance in South Carolina. However, buying separate policies usually costs less. Compare several companies and get quotes to find your best deal.
Home and Auto Insurance in South Carolina: FAQ
Find expert answers to common questions about home and auto insurance in South Carolina here:
Who has the best home and auto insurance in South Carolina?
State Farm is the best cheap home and auto insurance provider for most drivers in South Carolina, while USAA is the top choice for military members and their families. For coverage options, Allstate is the best option.
Who has the cheapest home and auto insurance in South Carolina?
State Farm offers the most affordable home and auto insurance bundle in South Carolina, with an annual premium of $2,301. Customers save around $796 annually compared to the state average.
How much does home and auto insurance in South Carolina cost on average?
South Carolina's average home and auto insurance bundle costs $4,013 yearly, about 30% higher than the national average. The cheapest bundle rate is around $2,301 per year, while the most expensive reaches $7,127.
Is bundling home and auto insurance cheaper in South Carolina?
In South Carolina, buying separate home and auto insurance policies costs less than bundling. While saving money is important, make sure you still have enough financial protection.
Best Auto and Home Insurance Bundle in South Carolina: Our Methodology
Bundle Scoring System
MoneyGeek calculated home and vehicle insurance rates using data from the South Carolina Department of Insurance and Quadrant Information Services. We added customer satisfaction ratings from leading agencies, including AM Best and J.D. Power, to create individual home and auto insurance scores. We also examined each insurer's bundle discounts to measure savings potential.
We based the "bundle score" out of 100 on these weighted categories:
- Home insurance score: 40%
- Auto insurance score: 40%
- Discounts: 20%
Car, Home and Buyer Profile in South Carolina
MoneyGeek's typical profile includes:
- 40-year-old male
- Good driving history
- 2010 Toyota Camry LE
- 12,000 miles driven annually
- Home built in 2000
Coverage Levels in South Carolina
MoneyGeek analyzed rates for full coverage auto insurance with these limits:
- $100,000 property damage liability
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- Comprehensive and collision coverage with a $1,000 deductible
We also analyzed rates for homeowners insurance with the following coverage:
- $250,000 dwelling coverage
- $25,000 other structures coverage
- $100,000 personal property coverage
- $25,000 loss of use coverage
- $100,000 personal liability coverage
- $1,000 medical payments coverage
- All-perils coverage with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.