Insurance Costs in Mount Pleasant, SC
Auto insurance in Mount Pleasant averages $1,506 per year for full coverage, which is lower than the national average. Here is a detailed breakdown of what residents pay.
Updated July 2026Auto Insurance in Mount Pleasant, SC: What You Need to Know
Mount Pleasant residents pay an average of $1,506 per year for full coverage auto insurance, which is 8.0% below the South Carolina state average and 10.0% below the national average.
With a population of 96,946, Mount Pleasant is a growing city in South Carolina. Moderate traffic and relatively lower accident rates help keep insurance costs manageable.
Coverage Level Comparison
| Coverage Type | Annual Cost | Monthly Cost |
|---|---|---|
| Full Coverage (100/300/100) | $1,506 | $126 |
| Standard Coverage (50/100/50) | $1,235 | $103 |
| State Minimum (25/50/25) | $633 | $53 |
Homeowners Insurance in Mount Pleasant, SC
The average cost of homeowners insurance in Mount Pleasant is $2,468 per year ($206/month), which is 35.6% above the national average.
Home insurance costs are influenced by local factors including weather risks (hail, wind, flooding), property values, local building costs, and proximity to fire stations. Coastal or storm-prone areas may see even higher rates due to hurricane and flood risk.
Renters Insurance in Mount Pleasant, SC
Renters insurance in Mount Pleasant averages $204 per year ($17/month). Renters insurance is affordable and protects your personal belongings, provides liability coverage, and may cover temporary living expenses if your rental becomes uninhabitable.
Compare with Other South Carolina Cities
| City | Auto Insurance | Home Insurance |
|---|---|---|
| Charleston | $1,768/yr | $2,352/yr |
| Columbia | $1,801/yr | $1,967/yr |
| North Charleston | $1,833/yr | $2,159/yr |
| Rock Hill | $1,670/yr | $1,774/yr |
| Greenville | $1,719/yr | $1,832/yr |
| Summerville | $1,555/yr | $2,024/yr |
| Goose Creek | $1,604/yr | $1,967/yr |
| Hilton Head Island | $1,391/yr | $2,603/yr |
How to Save on Insurance in Mount Pleasant
- Shop around. Get quotes from at least 3-5 different insurers. Rates in Mount Pleasant can vary by $500 or more between companies for the same coverage.
- Bundle auto and home/renters. Many companies offer 10-25% off when you carry multiple policies.
- Increase your deductible. Raising your deductible from $500 to $1,000 can cut your premium by 15-30%.
- Ask about local discounts. Some insurers offer discounts for anti-theft devices, safe driving courses, or parking in a garage.
- Review coverage annually. Your needs change over time. Make sure you are not paying for coverage you do not need.
Frequently Asked Questions
How much is car insurance in Mount Pleasant, SC?
The average cost of car insurance in Mount Pleasant, SC is $1,506 per year for full coverage, or about $126 per month. Minimum coverage costs around $633 per year.
Is car insurance expensive in Mount Pleasant?
Car insurance in Mount Pleasant is relatively affordable compared to many U.S. cities.
How much is home insurance in Mount Pleasant?
Homeowners insurance in Mount Pleasant costs an average of $2,468 per year. Your actual cost depends on your home's value, age, construction type, and specific location.