North Charleston Insurance Rates:

North Charleston, SC home insurance is roughly $691 to $937, about $57-$78/month. Our complete research indicates shoppers can save upto $325 by comparing multiple quotes

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North Charleston Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
GEICO Insurance
Home Insurance Rate of $510/8 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $140,000

3 Beds, 3 Bath 1780 sqft Seasonal Residence Constructed In 2008 with Stone Flooring, Wood Shake Roof, Crawl Space Foundation, Stucco siding, Metal Frame Construction. Home Features Include Swimming Pool, Fireplace, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

69 Years old Divorced Male who is Unemployed and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $80/1 month for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $155,000

2 Beds, 2 Bath 1600 sqft Seasonal Residence Constructed In 2000 with Wood Flooring, Metal Roof, Crawl Space Foundation, Vinyl siding, Brick Frame. Home Features Include Smoke Alarm, Deadbolt Locks, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

31 Years old Single Female who is a Freelancer with household income of $75-$100,000 and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $780/9 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $155,000

4 Beds, 4 Bath 1960 sqft Primary Residence Constructed In 2004 with Carpet over wood flooring, Slate Shingles Roof, Piers Foundation, Wood siding, Stucco Construction. Home Features Include Fire Extinguisher, Smoke Alarm, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

32 Years old Married Female who is Unemployed and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $650/9 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $105,000

2 Beds, 2 Bath 1430 sqft Primary Residence Constructed In 1974 with Wood Flooring, Slate Shingles Roof, Crawl Space Foundation, Stone Siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Smoke Alarm, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

31 Years old Divorced Female who has a Full Time Job with household income of $25-50,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $860/8 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $180,000

3 Beds, 3 Bath 2250 sqft Seasonal Residence Constructed In 2009 with Linoleum, Composition Roof, Chainwall Foundation, Vinyl siding, Stucco Construction. Home Features Include Swimming Pool, Copper Water Pipes, Smoke Alarm, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

60 Years old Married Female who is Unemployed with household income of less than $25,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $340/3 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $200,000

4 Beds, 4 Baths 2280 sqft Rental Property Constructed In 1993 with Ceramic Tile Flooring, Wood Shake Roof, Crawl Space Foundation, Vinyl siding, Stucco Construction. Home Features Include Copper Water Pipes, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

37 Years old Divorced Female who is a Freelancer with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $510/3 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $235,000

4 Beds, 4 Baths 3070 sqft Seasonal Residence Constructed In 2006 with Wood Flooring, Slate Shingles Roof, Piers Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Swimming Pool, Smoke Alarm, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

65 Years old Single Male who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $240/4 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $120,000

5 Beds, 5 Baths 1600 sqft Primary Residence Constructed In 1988 with Carpet over wood flooring, Wood Shake Roof, Piers Foundation, Brick siding, Stucco Construction. Home Features Include Indoor Sprinklers, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

70 Years old Married Female who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $100/1 month for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $185,000

4 Beds, 4 Baths 1740 sqft Primary Residence Constructed In 2013 with Hardwood Flooring, Wood Shake Roof, Slab Foundation, Brick siding, Wood Frame. Home Features Include Central Air Conditioning, Smoke Alarm, Swimming Pool, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

36 Years old Single Male who has a Full Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $480/4 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $185,000

4 Beds, 4 Baths 2560 sqft Primary Residence Constructed In 1989 with Ceramic Tile Flooring, Wood Shake Roof, Chainwall Foundation, Stone Siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

52 Years old Married Female who is Unemployed and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $550/7 months for $100,000-$125,000 Coverage
Policy Holder Home Details :

Home Value : $145,000

3 Beds, 3 Baths 1550 sqft Primary Residence Constructed In 1998 with Wood Flooring, Slate Shingles Roof, Slab Foundation, Stone Siding, Brick Frame. Home Features Include Indoor Sprinklers, Swimming Pool, Fire Extinguisher, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

58 Years old Married Female who is a Freelancer with household income of $100-$150,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • Up to 499 Credit Score

  • Guests at home

North Charleston, SC Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
29406 $126,800 $820

North Charleston Rates & Quotes Analysis:

North Charleston Area Estimated House Insurance
Bent Creek Dr, Co Rd S-18-751, Richfield Dr, Eucalyptus Ave, E Cat Tail Pond Rd, W Ragg Ln, Taylor Plantation Rd, Athol St, Graduate Ln, Sandpiper Dr$841
Windsor Cir, Cumberland Way, Battle Forest Dr, Harroway Rd, Carnoustie Ct, Diston Ct, Amaretto Ct, Lancelot Hall, Mansfield Blvd, Landerwood Ct$832
Gray Goose Ln, Pheasant Ct, Silverwood Ln, S Liberty Meadows Dr, Old Forest Dr, Maple Grove Dr, Ezekiel Dr, Bowles Dr, Waverlay Place Ln, Layton Ct$841
Waxhaw Cir, Cranbourne Abbey, Vestige Ct, Nightingale Ave, Walterboro Rd, Corral Cir, McGregor Downs Ct, Legacy Ln, Penshire Ct, Knowledge Dr$836
Tidewater Dr, Brownhare Ct, Dogwood Ridge Rd, Club View Rd, Mulligan Way, Patriot Blvd, Cannondale Dr, Little School Ct, Co Rd S-18-259, Amber Ln$838

Insurance rates are influenced by a number of factors including:

  • Year Built: 7,577 Homes (18% of total) built between 1970 to 1979 in North Charleston are paying home insurance between $1,318-$1,330 and differs from Hanahan (+$31), Goose Creek (+$21), West Ashley (+$60), Ladson (-$13) and Lincolnville (-$38).
  • Bedrooms: 14,553 2 bedrooms homes (34% of total homes ) in North Charleston are paying about $529. Areas near to North Charleston such as Hanahan, Goose Creek, West Ashley are costlier by $12, $8, $24 respectively whereas Ladson and Lincolnville are more economical by $5, $7 respectively for similar homes.
  • Auto Insurance Bundling: 7,654 Households (44% of all households) in North Charleston have 2 vehicles available and when it is bundled with home insurance you can save $162. Discounts for similar bundling in close by locations such as Hanahan, Goose Creek, West Ashley come to $166, $165, $170 respectively.
  • Senior Discounts: 7,873 seniors (more than 55 years) occupied housing units (45% of total) in North Charleston get discounts between $121 to $124 compared to Hanahan ($124), Goose Creek ($123), West Ashley ($127).
  • New Homes discounts: New homes such as the 21,044 homes built between 2000 to 2009 in North Charleston can save $162 and similar new home insurance discounts in nearby towns and cities like Hanahan, Goose Creek and West Ashley are $166, $165 and $170 respectively.

North Charleston Homeowners insurance Facts

  • North Charleston, SC has 17,211 owner occupied houses which is 48.6% of all units whereas Hanahan, Goose Creek and West Ashley have 62.33%, 68.59% and 60.21% respectively.
  • North Charleston, SC homeowners yearly insurance price at $813 is 0.57% of the typical house value of $142,200 which is in contrast with 0.46% in Hanahan, 0.49% at Goose Creek & 0.39% in West Ashley.
  • Homeowners in North Charleston, SC pay 2.17% of their income ($35,000 to $39,999) in insurance whereas homeowners in Hanahan, Goose Creek and West Ashley pay 2.22%, 2.2% and 2.27% respectively.
  • North Charleston, SC’s insurance is 5.0% of monthly housing costs of $1,359/month, for owners with a mortgage compared to 4.72% in Hanahan, 4.94% at Goose Creek & 4.38% in West Ashley. But, for households without a mortgage, insurance is 16.9% of costs ($400 in North Charleston, SC) in contrast with 16.12% in Hanahan, 19.01% at Goose Creek & 14.88% in West Ashley.

North Charleston, SC Home Values & Insurance rates

For example, insurance for 885 Homes (5.0% of total homes ) valued between $250,000 to $299,999 in North Charleston, SC is about $1,569. Rates in nearby areas in such as Hanahan, Goose Creek, West Ashley are cheaper by $305, $223, $515 respectively while Ladson and Lincolnville are costlier by $218 and $816 respectively for similar homes.

North Charleston, SC Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 2,327 14.0% $138
$50,000 to $59,999 396 2.0% $292
$60,000 to $69,999 389 2.0% $365
$70,000 to $79,999 626 3.0% $422
$80,000 to $89,999 687 4.0% $479
$90,000 to $99,999 843 5.0% $536
$100,000 to $124,999 1,903 11.0% $626
$125,000 to $149,999 2,086 12.0% $780
$150,000 to $174,999 2,229 13.0% $926
$175,000 to $199,999 1,587 9.0% $1065
$200,000 to $249,999 1,828 11.0% $1284
$250,000 to $299,999 885 5.0% $1569
$300,000 to $399,999 703 4.0% $1999

Renters Insurance in North Charleston

  • Average Renters Insurance in North Charleston :  $181($15/month)

  • Median Gross Rent in North Charleston :  $841

  • North Charleston Renters Insurance to Median Rent Ratio:  1.78%

  • Renter occupied housing units in North Charleston :  18,192

North Charleston Renters Insurance as a Percentage of Rent

North Charleston Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 305 1.0% $795
$300 to $499 1,215 6.0% $1245
$500 to $749 4,647 26.0% $1920
$750 to $999 6,490 36.0% $2670
$1,000 to $1,499 4,157 23.0% $3795
$1,500 or more 708 4.0% $5445

Rent Affordability in North Charleston:

Approximately 49.0% (9,006) of households are spending more than 35% of their income on gross rent in North Charleston

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 2,086 11.0%
15.0 to 19.9 percent 1,727 9.0%
20.0 to 24.9 percent 1,958 10.0%
25.0 to 29.9 percent 2,009 11.0%
30.0 to 34.9 percent 1,406 7.0%
35.0 percent or more 9,006 49.0%

Protective device discount in North Charleston Up to :  $27

Claims-free discount in North Charleston Up to :  $36