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Counties With the Cheapest Homeowners Insurance in South Carolina (2026)

Union has the lowest homeowners insurance of any county in South Carolina, at $1,438, followed by Greenwood and Laurens. Source: Keys-Mulder escrow dataset (NBER WP 32579), Escrow 2024. The full ranking of the top 25 counties is below.

Data updated 2024 - Source: Keys-Mulder escrow dataset (NBER WP 32579)

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Cheapest counties for homeowners insurance in South Carolina

Top 25 of 46 counties with data.

Ranked by homeowners insurance cost (Keys-Mulder escrow dataset (NBER WP 32579), Escrow 2024), lowest first.

Cheapest counties for homeowners insurance in South Carolina
RankCountyValue
1Union$1,438
2Greenwood$1,448
3Laurens$1,451
4Pickens$1,457
5Cherokee$1,488
6Spartanburg$1,503
7Lexington$1,541
8Anderson$1,586
9Greenville$1,606
10Chester$1,631
11Marlboro$1,634
12Oconee$1,668
13Abbeville$1,691
14Newberry$1,691
15Lancaster$1,714
16Kershaw$1,724
17Aiken$1,731
18Barnwell$1,733
19Richland$1,748
20York$1,769
21Saluda$1,829
22Sumter$1,834
23Chesterfield$1,856
24Florence$1,858
25Darlington$1,870

How this ranking works

This page ranks South Carolina counties by homeowners insurance cost, sorted so the cheapest places appear first. Click any county to see its housing, schools, crime, and demographics in detail.

For homeowners insurance, a lower value is generally more favorable, so the top of the list is the lowest. Want to weigh homeowners insurance against schools, taxes, commute, and more at once? Use the live map to build a custom match.

Data comes from public sources. Source attribution and the exact data vintage are shown above and on the full map of homeowners insurance cost.

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