Accident & Health Insurance Agencies in South Carolina

South Carolina at a glance

• 108accident & health insurance agencies listed
• 28.1%of households rentRenters insurance
• $259,000median home valueHome insurance
• 1992median year homes were builtRebuild cost calculator
• 5.7%of households have no carAuto insurance
• 14.2%of homes are mobile homesMobile home insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk across South Carolina

How many of South Carolina’s 46 counties FEMA rates Relatively High or Very High for each hazard, compared with other U.S. counties.

• Ice storm29 of 46 counties

  Very High in Greenville County, Spartanburg County, York County and 3 more.

• Lightning20 of 46 counties

  Very High in Greenville County, Spartanburg County.

  Fire and lightning are standard covered causes of loss on home policies.

  Home insurance in South Carolina
• Hurricane15 of 46 counties

  Very High in Charleston County, Horry County, Beaufort County and 2 more.

  Home policies that cover wind often carry a separate hurricane deductible, set as a percentage of the home’s insured value (typically 1% to 5%). Flooding from the storm needs a flood policy.

  Home insurance in South Carolina
• Strong wind14 of 46 counties

  Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.

  Home insurance in South Carolina
• Tornado7 of 46 counties

  Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.

  Home insurance in South Carolina
• Coastal flooding4 of 46 counties

  Very High in Charleston County.

  Storm surge and tidal flooding count as flood, which most home policies exclude. It needs a separate flood policy.

  Flood insurance in every state

Source: FEMA National Risk Index, December 2025 release.

Car insurance rules in South Carolina

South Carolina requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $25,000 of property damage liability, often written 25/50/25. It also requires uninsured motorist coverage ($25,000 per person, $50,000 per accident) and uninsured motorist property damage coverage ($25,000).

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in South CarolinaHow much liability cover do you need?

Source: scstatehouse.gov. Checked 2026-10-24.