Beaufort, SC Insurance 2026 – Compare Auto, Home, Flood & Boat Quotes
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Auto • Home • Flood • Wind • Boat • Renters • Umbrella
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Living in Beaufort, Port Royal, or Lady’s Island? Our AI engine compares 2026 rates from Travelers, Universal Property, Citizens, Progressive, Geico, BoatUS, and every major carrier writing in the Lowcountry — instantly.
Average Insurance Costs in Beaufort, SC (2026 Rates)
| Insurance Type | Average Annual Cost | Cheapest Carrier 2026 | vs SC Average |
|---|---|---|---|
| Car Insurance (Full Coverage) | $1,692 – $1,998 | Progressive / Geico | 8–14% higher |
| Homeowners ($350K + Wind Exclusion) | $2,480 – $3,850 | Universal / Travelers | 42% higher |
| Separate Wind & Hail Policy | $1,800 – $4,200 | SC Wind & Hail Assoc. | N/A |
| NFIP Flood Insurance | $1,250 – $2,100 | Private flood cheaper | Required in most zones |
| Boat Insurance (30ft Center Console) | $980 – $1,950 | Progressive / BoatUS | Coastal premium |
| Renters Insurance | $168 – $245 | Lemonade | Similar to state |
Top 8 Cheapest Car Insurance Companies in Beaufort 2026
- Progressive – Lowest overall + accident forgiveness
- Geico – Best for military & federal employees
- State Farm – Strong local agents on Bay Street
- Travelers – Good teen driver programs
- Allstate – High customer satisfaction
- USAA – Military families (if eligible)
- Nationwide – Bundling discounts
- Auto-Owners – High-value vehicles
Cheapest Home + Wind + Flood Combinations in Beaufort 2026
| Carrier Combo | Total Annual Premium (Approx) | Best For |
|---|---|---|
| Universal + SC Wind + Private Flood | $4,200 – $5,800 | Most common & affordable |
| Travelers + Citizens Wind + NFIP | $4,800 – $6,500 | Elevated homes |
| Allstate (incl some wind) + Private Flood | $5,100 – $7,200 | High-value properties |
Frequently Asked Questions – Beaufort Insurance 2026
Is flood insurance required in Beaufort?
Yes — nearly all of Beaufort County is in a high-risk flood zone. Any property with a federally backed mortgage must carry flood insurance.
Do I need a separate windstorm policy in Beaufort?
Yes — standard homeowners policies exclude wind & hail damage in coastal counties. You’ll need coverage from the SC Wind & Hail Association or a private carrier.
How much did Beaufort home insurance increase in 2026?
Rates rose another 12–18% on top of 2025’s 22–38% hikes due to ongoing reinsurance costs and hurricane exposure.
Who has the best boat insurance in Beaufort?
Progressive, BoatUS, and Foremost offer the most competitive marine coverage in the Lowcountry.
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Last updated: November 2025 for 2026 rate season. Data aggregated from SC DOI filings and real-time quotes in ZIP codes 29902, 29906, 29907.
Last Updated on by Shawn Christie