🏠 Home insurance cost in Charleston, SC (2027)
Estimated average: $2,530 per year — +10% vs. the U.S. average of $2,300.
With about 155,369 residents, Charleston is a mid-size city and the largest city in South Carolina. Home insurance rates here are estimated at $2,530 per year, near the South Carolina average of $2,530 — a gap driven by local factors like local weather and catastrophe risk, and rebuild costs. Below you can estimate a price for your own profile and compare Charleston with other South Carolina cities.
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Charleston home insurance estimator
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Charleston home insurance FAQ
How much is home insurance in Charleston, SC?
The estimated average is $2,530 per year — about the state average (0% vs. the South Carolina average of $2,530, and +10% vs. the U.S. average).
Is home insurance more expensive in Charleston than elsewhere in South Carolina?
Charleston has about 155,369 residents. Larger metro areas usually see higher rates due to traffic density, claim frequency, and repair costs. Compare nearby cities in the chart above.
How do I get the cheapest home insurance in Charleston?
Compare at least three quotes from insurers active in Charleston, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.