Cheapest Auto Insurance in Myrtle Beach, South Carolina (2026)
USAA has the cheapest liability coverage in Myrtle Beach, at $66 per month.
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Written byJess Ullrich
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Jess UllrichFreelance Insurance Writer
10+ years in personal finance writing and editing
Investopedia, Wall Street Journal, and The HuffPost
Jess is a personal finance writer who's been creating financial and business content for over a decade. Her work is published on Investopedia, MoneyWise, NextAdvisor, The HuffPost, and more. Prior to freelancing full-time, Jess was an editor at Investopedia, The Balance, and FinanceBuzz. Connect with her on LinkedIn.
Jess has been a contributor at Insurify since September 2022, and has written hundreds of empowering, informative articles on insurance topics.
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
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Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
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As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Table of contents
The population of Myrtle Beach, South Carolina, has grown by 41.7% since 2010, according to U.S. Census data. This fast-growing city is a popular tourist destination home to about 38,400 year-round residents.[1]
The cost of liability car insurance is $157 per month in South Carolina but $160 in Myrtle Beach. Drivers in Myrtle Beach still pay more for liability coverage than the national average of $99 due to its high risk of property damage from hurricanes and tropical storms.
Here’s what you need to know about finding cheap coverage in Myrtle Beach, including how to compare quotes and coverage options.
Quick Facts
USAA, Auto-Owners, and State Farm have the cheapest liability coverage in Myrtle Beach.
The average monthly cost of full-coverage insurance is $173 in the U.S., $227 in South Carolina, and $213 in Myrtle Beach.
Myrtle Beach’s wind factor risk is extreme, based on the estimated likelihood and speed of potential hurricanes and severe storms in the area.[2]
6 of the cheapest car insurance companies in Myrtle Beach
Since insurance rates vary by company, it’s essential to get quotes from different car insurance companies to find the best fit that aligns with your budget.
Here are three of the cheapest options, but costs will vary depending on your specific needs and situation. The quotes provided below reflect statewide average insurance costs in South Carolina.
 |  |  |  |  |  |
|---|---|---|---|---|---|
Average price Prices based on average across state-minimum and full coverage car insurance $89/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $96/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $98/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $134/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $158/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $160/mo* |
Overall rating 4.9 | Overall rating 4.3 | Overall rating 4.0 | Overall rating 4.0 | Overall rating 3.2 | Overall rating 3.8 |
Value for money 4.9/5 | Value for money 3.5/5 | Value for money 3.7/5 | Value for money 3.8/5 | Value for money 3.0/5 | Value for money 3.2/5 |
Customer service 4.8/5 | Customer service 3.5/5 | Customer service 4.2/5 | Customer service 4.1/5 | Customer service 3.3/5 | Customer service 3.7/5 |
Claims handling 4.9/5 | Claims handling 4.0/5 | Claims handling 4.1/5 | Claims handling 4.1/5 | Claims handling 3.3/5 | Claims handling 3.8/5 |
Special highlight Members of the military communityAI-generated from 1482 user reviews | Special highlight Cheap ratesAI-generated from 146 user reviews | Special highlight Customer serviceAI-generated from 7194 user reviews | Special highlight Teen driversAI-generated from 7442 user reviews | Special highlight Competitive ratesAI-generated from 8143 user reviews | Special highlight Bundling discountsAI-generated from 1120 user reviews |
Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers
Best insurer for military members: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $66/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $103/mo |
4.9
Best choice in Myrtle Beach, SCBased on 3,148 verified driver reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best in Myrtle Beach for
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best in Myrtle Beach for
Members of the military community
Outstanding customer service
Competitive rates
Showing 18 South Carolina reviews for Myrtle Beach drivers - See all 1,482 USAA reviews
Napoleon
Verified Review
USAA Praise Review
Reviewed in South Carolina on February 28, 2026
I've been with USAA for many years. I have no complaints. They handle claims quickly and are very easy to work with. I highly recommend them to my friends and family. Thank you, USAA.
Paul
Verified Review
Great claims handling
Reviewed in South Carolina on February 20, 2026
Whether it was an accident or a window replacement, the claim was handled very quickly and with no delay.
James
Verified Review
USAA OK!
Reviewed in South Carolina on January 14, 2026
USAA treats members fairly and respectfully.
Lewis
Verified Review
Watch your rates, they will double them for no reason.
Reviewed in South Carolina on January 13, 2026
Keep a close eye on them; they will steadily increase your prices. They doubled mine in 6 months, with no accidents or tickets.
Kelly
Verified Review
USAA has dropped off
Reviewed in South Carolina on January 13, 2026
USAA offers any coverage you could ask for. However, don’t expect them to handle claims efficiently. I'm sitting on one claim that’s just gotten to arbitration after 2 years.
Chris
Verified Review
USS-No way
Reviewed in South Carolina on December 14, 2025
Paying almost twice as much as other companies. I think they're punishing me for an accident where I was hit by a drunk driver and could have died. The car was totaled.
Fred
Verified Review
USAA lied about coverage
Reviewed in South Carolina on November 1, 2025
I've had USAA for 6 months. I was told an accident I had 3 years ago would be off my record by the time it renewed. I called back when I found out it did not and would not be for 2 more years. I was also told that the mileage tracker was just like a game and they knew nothing about my total mileage. Now I just don't trust anything they say!
Edward
Verified Review
USAA
Reviewed in South Carolina on October 27, 2025
It's too high.
Sandra
Verified Review
Not happy with Policy costs, Auto, Renters, Umbrella
Reviewed in South Carolina on October 25, 2025
I have been with USAA for years and the cost is very high compared to others. I am seriously thinking of changing.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Myrtle Beach has a rich military history and was home to an Air Force base for nearly 50 years. Veterans account for around 8% of the city’s total population. If you ’re a veteran of the U.S. military, USAA could be a good choice for car insurance.
USAA offers affordable coverage and several auto insurance discounts, including a generous discount of up to 10% for bundling your auto coverage with home or life insurance.
Pros
A++ (Superior) financial strength rating from AM Best
Highly rated for customer satisfaction by J.D. Power
Cons
Exclusively for military members and their families
Low Trustpilot rating
Best insurer for safe driver discounts: State Farm
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $73/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $113/mo |
4.0
Best choice in Myrtle Beach, SCBased on 15,890 verified driver reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Myrtle Beach for
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Myrtle Beach for
Customer service
Competitive rates
Discounts for safe drivers
Showing 48 South Carolina reviews for Myrtle Beach drivers - See all 7,194 State Farm reviews
Gary
Verified Review
They misinformed us about the homeowners insurance, saying we would have to renew the policy every year. I called and asked if our insurance was okay, and the guy I spoke with said it was fine. Our heat pump caught on fire due to a power surge, and when we filed a claim a few days later, the adjuster called and said we no longer had insurance. Apparently, it was canceled on February 14th. We tried to go in person to fix it, but our agent was out, so another guy was working on it and said he was trying to get ahold of Dover Insurance. We never heard from him. We called the next day, but the agent was busy. The receptionist said she would have him call in a few minutes, and he finally called back at 3:40. By this point, we found car and homeowners insurance elsewhere, and it was significantly cheaper. They were totally useless when we were trying to get the insurance reinstated. Oh, and because it was canceled, it was going to be a huge price to get it back. State Farm totally and completely dropped the ball. Very disappointed with that agency.
Reviewed in South Carolina on March 5, 2026
They misinformed us about the homeowners insurance, saying we would have to renew the policy every year. I called and asked if our insurance was okay, and the guy I spoke with said it was fine. Our heat pump caught on fire due to a power surge, and when we filed a claim a few days later, the adjuster called and said we no longer had insurance. Apparently, it was canceled on February 14th. We tried to go in person to fix it, but our agent was out, so another guy was working on it and said he was trying to get ahold of Dover Insurance. We never heard from him. We called the next day, but the agent was busy. The receptionist said she would have him call in a few minutes, and he finally called back at 3:40. By this point, we found car and homeowners insurance elsewhere, and it was significantly cheaper. They were totally useless when we were trying to get the insurance reinstated. Oh, and because it was canceled, it was going to be a huge price to get it back. State Farm totally and completely dropped the ball. Very disappointed with that agency.
Robert
Verified Review
Average
Reviewed in South Carolina on February 28, 2026
They consistently increase rates.
Sheila
Verified Review
State Farm Insurance Not Worth the Cost
Reviewed in South Carolina on February 26, 2026
Very expensive and keeps going up in price, not worth it. Roadside assistance is also very expensive. You can't use the tow service because it only covers 10 miles, and then it's $200 for a tow after that. Overall, very much not worth it. I'm not happy with this company at all.
Barbara
Verified Review
Totally Disappointed
Reviewed in South Carolina on February 21, 2026
Just be aware that if you have claims beyond your control, they will non-renew your policy.
Shirley
Verified Review
I had a very good experience with them until my niece joined. She had too many accidents, so they discontinued my insurance. Same household, same insurance.
Reviewed in South Carolina on February 16, 2026
I had a very good experience with them until my niece joined. She had too many accidents, so they discontinued my insurance. Same household, same insurance.
Rocky
Verified Review
No Notice
Reviewed in South Carolina on February 12, 2026
After 40 years without a glitch, no contact was made to us when we were late on one item out of three in our bundle. This happened a few months after State Farm made their first claim payout in decades. The amount was well under the repair cost. For being late, our coverage was increased by $132 every 6 months. Now they told us they never call anymore if a payment is late. Not the insurance company to retire with.
Barbara
Verified Review
Totally disappointed in State Farm
Reviewed in South Carolina on February 11, 2026
State Farm was doing okay until we had two claims in two months. Someone ran into our truck, and then one of those concrete stop things in the parking space at Golden Corral proceeded to rip the protective barrier from underneath my car. Now State Farm has decided they’re going to non-renew us, and we’re having trouble finding insurance that we can afford. These were circumstances beyond our control. We totally regret ever insuring with State Farm and will never do it again.
Michael
Verified Review
Switch to Geico and Save
Reviewed in South Carolina on February 9, 2026
I canceled my policy and switched to Geico, getting a rate that was one-third of the cost compared to State Farm's higher prices.
Dan
Verified Review
State Farm Disappointment
Reviewed in South Carolina on February 5, 2026
If you file a claim, your rates will go up, regardless of how good your past record is.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
If you’re a safe Myrtle Beach driver with a clean record, getting a quote from State Farm insurance could be a wise choice. State Farm offers a discount of up to 30% through its Drive Safe & Save program. Drivers who enroll in the program receive a 10% discount on their car insurance rates right away and further discounts for driving safely.
Pros
Many coverage options
Above-average J.D. Power customer satisfaction rating in the Southeast
Cons
Low Trustpilot ratings
Drive Safe & Save discount amount varies
Best insurer for drivers with a past incident: Auto-Owners
| User Reviews | 4.3 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $71/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $111/mo |
4.3
Best choice in Myrtle Beach, SCBased on 312 verified driver reviews and ratings
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best in Myrtle Beach for
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best in Myrtle Beach for
Cheap rates
Senior drivers
Ample discounts
Showing 4 South Carolina reviews for Myrtle Beach drivers - See all 146 Auto-Owners reviews
Warren
Verified Review
Punishment for 65+ years of no problems.
Reviewed in South Carolina on February 1, 2026
I have been licensed since two weeks before my 14th birthday, in other words, 65+ years. I had 2 tickets and 1 accident (that was in July 2024). It cost me a $25 fine and no points, yet my rate increased by 60%. This was the only claim against me over the years. I don't drive much, about 10,000 miles a year if that much, and yet I'm being punished for years of no problems. BTW, the patrolman questioned the ability of the on-lookers of the accident.
Mike
Verified Review
Solid car insurance company
Reviewed in South Carolina on December 22, 2025
They're very easy to talk to and will walk you through anything you need.
Michael
Verified Review
Best Kept Secret!
Reviewed in South Carolina on September 22, 2025
Fast claim response. Very courteous and professional. For what I need, no other company comes close in price for the last 10+ years.
Wilmer
Verified Review
Excellent company, but I saved a considerable amount of money by switching to another company. I like Auto-Owners!
Reviewed in South Carolina on April 12, 2025
Excellent company, but I saved a considerable amount of money by switching to another company. I like Auto-Owners!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
If you’re a Myrtle Beach driver with a past speeding ticket, at-fault accident, or DUI charge, it’s worth getting a quote from Auto-Owners because the car insurance company offers affordable coverage for people with past incidents on their driving records. Like many other insurers, Auto-Owners offers several discounts that could help reduce your insurance rates even further.
Pros
Can bundle car insurance with other types of insurance products
Unique discount for getting a quote before a policy
Cons
Online quotes not available
Must contact an agent to file a claim
How to get the cheapest car insurance in Myrtle Beach
Shopping around is important if you’re looking for affordable car insurance in Myrtle Beach because rates vary by insurer. Insurance companies also look at your age, gender, driving history, location, and more when determining your premiums.
While some of these factors are outside of your control, you can take some steps to find affordable insurance:
Research discounts. Just as insurance rates vary by company, so do discounts. Research potential discounts online or ask your insurance agent or customer service agent about possible savings and eligibility requirements. Common discounts include those for safe drivers, low-mileage drivers, or bundling multiple insurance products with your auto insurance, such as homeowners insurance, condo insurance, or renters insurance.
Drive safely. Being mindful of speed limits and paying attention behind the wheel can also help you get the lowest rates on car insurance.
Choose a safe car. Insurers often give discounts if your vehicle has certain safety features, like an anti-theft alarm or engine cutoff, airbags, and more.
Find Cheap Car Insurance in Myrtle Beach
Liability quotes start at $66 per month
Excellent
4.7 out of 5 based on 12,529 reviews
Secure. Free. Easy-to-use.
Cheapest liability-only car insurance in Myrtle Beach: USAA
A liability-only auto insurance policy offers basic protection and generally costs less than a full-coverage policy. It can protect you if you cause an accident and hurt another person or damage someone else’s property. But it won’t cover your own vehicle damage or bodily injury.
The average cost of liability coverage in Myrtle Beach is $160 per month. Here are some options for affordable liability insurance coverage.
The below rates in Myrtle Beach, SC, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Insurance Company  | Average Monthly Quote |
|---|---|
| USAA | $66 |
| Auto-Owners | $71 |
| State Farm | $73 |
| GEICO | $106 |
| Nationwide | $108 |
| Allstate | $114 |
| Progressive | $120 |
| Travelers | $123 |
| Safeco | $132 |
| National General | $148 |
| State Auto | $149 |
| Root | $150 |
| Dairyland | $162 |
| Direct Auto | $165 |
| GAINSCO | $180 |
| The General | $180 |
| AssuranceAmerica | $193 |
| Liberty Mutual | $197 |
| Bristol West | $233 |
Disclaimer: Table data sourced from real-time Myrtle Beach car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Myrtle Beach may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Myrtle Beach: USAA
Full-coverage car insurance protection goes beyond what liability coverage provides. It always includes collision insurance, comprehensive insurance, and liability insurance, though it may include other coverages as well. Myrtle Beach drivers with newer cars could likely benefit from a full-coverage auto policy.
On average, Myrtle Beach drivers pay $213 per month for full-coverage insurance. Here are some affordable full-coverage options in the city.
The below rates in Myrtle Beach, SC, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $103 |
| Auto-Owners | $111 |
| State Farm | $113 |
| GEICO | $150 |
| Nationwide | $167 |
| Safeco | $169 |
| Allstate | $177 |
| Progressive | $180 |
| Travelers | $191 |
| Direct Auto | $218 |
| Root | $218 |
| National General | $219 |
| State Auto | $231 |
| AssuranceAmerica | $276 |
| Liberty Mutual | $281 |
| The General | $328 |
| GAINSCO | $336 |
| Dairyland | $352 |
| Bristol West | $391 |
Disclaimer: Table data sourced from real-time Myrtle Beach car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Myrtle Beach may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Myrtle Beach, South Carolina
Drivers using Insurify have found quotes as cheap as $77/mo for liability only and $120/mo for full coverage in Myrtle Beach and other South Carolina cities.
*Quotes generated for Insurify users in and around Myrtle Beach, South Carolina within the last 10 days. Last updated on March 10, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 10, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Myrtle Beach, South Carolina within the last 10 days. Last updated on March 10, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 10, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in South Carolina
South Carolina is a tort state, meaning the insurance companies of drivers found at fault in an accident are responsible for covering the cost of damages, injuries, and losses. South Carolina law requires you to have a minimum amount of car insurance.
Here are the required coverages and amounts for South Carolina drivers:[3]
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
| Uninsured motorist coverage | $25,000 per person / $50,000 per accident |
If you want more coverage than a standard liability policy to protect your vehicle, you should consider the following optional coverages:
Collision coverage
Collision insurance protects your car following damage from an accident or collision with an object, regardless of fault.
Comprehensive coverage
Comprehensive insurance covers your car’s physical damage due to a natural event, like inclement weather, wildfires, or a downed tree.
Gap coverage
Gap insurance covers any difference between your outstanding auto loan balance and your car’s market value if you total your vehicle.
Medical payments coverage
Medical payments insurance covers medical costs for you and your passengers following an accident-related injury.
Cheapest car insurance for drivers with an incident
If you don’t have a spotless driving record, you’re likely to pay a bit more for auto coverage in Myrtle Beach. Past infractions like speeding tickets, driving under the influence, at-fault accidents, and other moving violations can increase your insurance rates because your insurance company will view you as a higher risk on the road.
On average, Myrtle Beach drivers with a past incident on their record pay $188 per month for liability coverage and $250 for full coverage.
Shop for Car Insurance in Myrtle Beach
Monthly rates start at $82 for drivers with an incident
Excellent
4.7 out of 5 based on 12,529 reviews
Secure. Free. Easy-to-use.
Cheapest car insurance for drivers with a speeding ticket: USAA
Speeding tickets are one of the most common infractions that can increase your insurance prices. Exceeding the posted speed limit can increase your likelihood of getting into an accident, so insurers may charge you higher rates if you have past tickets.
The average cost of car insurance for drivers with a speeding ticket in Myrtle Beach is $190 per month for liability and $253 for full coverage.
Here are average liability quotes from Myrtle Beach insurers for drivers with clean driving records versus past tickets.
The below rates in Myrtle Beach, SC, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| USAA | $66 | $83 |
| Auto-Owners | $71 | $90 |
| State Farm | $73 | $90 |
| GEICO | $106 | $135 |
| Nationwide | $108 | $137 |
| Allstate | $114 | $145 |
| Progressive | $120 | $143 |
| Travelers | $123 | $156 |
| Safeco | $132 | $170 |
| National General | $148 | $179 |
| State Auto | $149 | $194 |
| Root | $150 | $195 |
| Dairyland | $162 | $197 |
| Direct Auto | $165 | $201 |
| GAINSCO | $180 | $209 |
| The General | $180 | $235 |
| AssuranceAmerica | $193 | $239 |
| Liberty Mutual | $197 | $244 |
| Bristol West | $233 | $286 |
Disclaimer: Table data sourced from real-time Myrtle Beach car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Myrtle Beach may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: USAA
A past at-fault accident will also result in higher insurance rates. Insurance companies are likely to regard you as a high risk on the road if you have an at-fault accident or multiple accidents on your record. Still, you can try to find affordable coverage by shopping around.
On average, Myrtle Beach drivers with an accident pay $203 per month for liability and $271 for full coverage.
Here’s how average liability quotes compare for drivers with a clean driving record and people with an accident.
The below rates in Myrtle Beach, SC, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| USAA | $66 | $87 |
| Auto-Owners | $71 | $92 |
| State Farm | $73 | $95 |
| GEICO | $106 | $135 |
| Nationwide | $108 | $142 |
| Allstate | $114 | $150 |
| Progressive | $120 | $152 |
| Travelers | $123 | $162 |
| Safeco | $132 | $181 |
| National General | $148 | $193 |
| State Auto | $149 | $199 |
| Root | $150 | $197 |
| Dairyland | $162 | $210 |
| Direct Auto | $165 | $221 |
| GAINSCO | $180 | $226 |
| The General | $180 | $243 |
| AssuranceAmerica | $193 | $252 |
| Liberty Mutual | $197 | $257 |
| Bristol West | $233 | $301 |
Disclaimer: Table data sourced from real-time Myrtle Beach car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Myrtle Beach may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: USAA
Your insurance company will also deem you a higher risk behind the wheel if you have a past DUI charge. Comparing quotes from different insurance companies and focusing on driving safely in the future are good ways to decrease your car insurance rates.
The average cost of coverage for Myrtle Beach drivers with a DUI is $258 for liability and $343 for full-coverage insurance.
Below, you can compare the average costs of liability coverage for drivers with a DUI and people with clean records.
The below rates in Myrtle Beach, SC, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| USAA | $66 | $102 |
| Auto-Owners | $71 | $110 |
| State Farm | $73 | $113 |
| GEICO | $106 | $162 |
| Nationwide | $108 | $167 |
| Allstate | $114 | $177 |
| Progressive | $120 | $193 |
| Travelers | $123 | $190 |
| Safeco | $132 | $216 |
| National General | $148 | $229 |
| State Auto | $149 | $217 |
| Root | $150 | $233 |
| Dairyland | $162 | $251 |
| Direct Auto | $165 | $255 |
| GAINSCO | $180 | $279 |
| The General | $180 | $279 |
| AssuranceAmerica | $193 | $299 |
| Liberty Mutual | $197 | $305 |
| Bristol West | $233 | $361 |
Disclaimer: Table data sourced from real-time Myrtle Beach car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Myrtle Beach may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: USAA
Car insurance prices start to decline when you’re around 35 years old, but then they tend to increase again around age 70. Statistically, older drivers are more likely to get into fatal car accidents than middle-aged drivers, so insurance companies deem them high-risk policyholders.[4]
Senior drivers in Myrtle Beach pay an average of $141 per month for liability coverage and $187 for full-coverage insurance.
Here are some companies offering affordable liability and full-coverage auto policies for senior drivers.
The below rates in Myrtle Beach, SC, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| USAA | $84 | $54 |
| Auto-Owners | $89 | $57 |
| State Farm | $90 | $58 |
| GEICO | $120 | $85 |
| Nationwide | $129 | $83 |
| Allstate | $145 | $93 |
| Safeco | $149 | $116 |
| Travelers | $154 | $99 |
| Progressive | $158 | $106 |
| National General | $174 | $118 |
| State Auto | $177 | $114 |
| Direct Auto | $178 | $134 |
| Root | $184 | $127 |
| AssuranceAmerica | $218 | $152 |
| Liberty Mutual | $237 | $166 |
| The General | $279 | $153 |
| GAINSCO | $288 | $154 |
| Dairyland | $300 | $138 |
| Bristol West | $329 | $196 |
Disclaimer: Table data sourced from real-time Myrtle Beach car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Myrtle Beach may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: USAA
Teen drivers have the highest average car insurance rates by age. Due to a lack of driving experience, teens are statistically more likely to have fatal motor vehicle accidents.
Joining your parents’ insurance policy, opting to drive a safe car, and taking advantage of applicable discounts can help you get the best deal on coverage, but you’ll still likely pay more for insurance than a driver older than 35.
The average cost of coverage for Myrtle Beach teenagers is $297 per month for liability and $395 for full coverage.
Here are some of the cheapest insurers offering affordable rates for young drivers in Myrtle Beach.
The below rates in Myrtle Beach, SC, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| USAA | $193 | $124 |
| State Farm | $222 | $143 |
| Auto-Owners | $226 | $144 |
| GEICO | $271 | $192 |
| Nationwide | $330 | $213 |
| Progressive | $334 | $222 |
| Safeco | $344 | $269 |
| Allstate | $354 | $228 |
| Root | $380 | $262 |
| Travelers | $401 | $258 |
| Direct Auto | $424 | $321 |
| National General | $448 | $303 |
| Liberty Mutual | $501 | $351 |
| State Auto | $567 | $366 |
| AssuranceAmerica | $579 | $405 |
| The General | $581 | $319 |
| Dairyland | $610 | $281 |
| GAINSCO | $620 | $332 |
| Bristol West | $706 | $421 |
Disclaimer: Table data sourced from real-time Myrtle Beach car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Myrtle Beach may vary based on the policy buyer's unique driver profile.
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Myrtle Beach car insurance quotes by credit tier
Your credit history will also factor into your insurance prices in Myrtle Beach because South Carolina insurers can consider your credit-based insurance score when determining premiums. Generally, the better your credit, the lower your monthly insurance payment. People with a poor credit history typically pay higher rates.
Below, you can compare average full-coverage insurance costs by credit tier in Myrtle Beach.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Myrtle Beach?
Liability car insurance in Myrtle Beach costs more than the national average but less than the South Carolina state average. Myrtle Beach drivers pay $160 per month for liability coverage on average, compared to the national liability average of $99.
Different factors, such as area population, crime rates, and more, influence insurance costs in your ZIP code. For example, in Charleston, the largest city in South Carolina, drivers pay around $188 per month for liability and $251 for full coverage. Myrtle Beach has a much smaller population of around 38,400, which may influence the city’s slightly lower rates.
More cities in South Carolina
Car insurance in Myrtle Beach is more affordable than rates in some other South Carolina cities. Compare average rates in other cities below.
City | Full Coverage | Liability Only |
|---|---|---|
| Charleston | $251 | $188 |
| Columbia | $252 | $177 |
| Florence | $252 | $184 |
| Greenville | $218 | $160 |
| Lancaster | $227 | $170 |
| Lexington | $223 | $156 |
| North Charleston | $249 | $198 |
| Rock Hill | $229 | $156 |
| Spartanburg | $216 | $159 |
| Summerville | $252 | $187 |
Disclaimer: Table data sourced from real-time Myrtle Beach car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Myrtle Beach may vary based on the policy buyer's unique driver profile.
Myrtle Beach car insurance FAQs
Before you start shopping around for car insurance, you should determine the right amount of auto coverage for your needs. The following information should help answer your remaining questions about finding the best policy at an affordable price in Myrtle Beach.
How much is car insurance in Myrtle Beach?
The average cost of car insurance in Myrtle Beach is $160 per month for liability and $213 for full-coverage insurance. How much you pay for car insurance will ultimately depend on your driving record, age, credit history, and more.
Which company has the cheapest car insurance in Myrtle Beach?
USAA has the cheapest liability coverage in Myrtle Beach, with a rate of $66 per month. Auto-Owners and State Farm also offer affordable auto coverage, with monthly rates of $71 and $73, respectively.
It’s a good idea to compare quotes from multiple insurers at once to find cheaper coverage than your previous policy.
What are the best car insurance companies in Myrtle Beach?
State Farm is one of the best car insurance companies in Myrtle Beach, thanks to a high Insurify Quality (IQ) Score of 9.3 out of 5 and an AM Best financial strength rating of A++ (Superior). On average, South Carolina drivers with a State Farm auto insurance policy pay $77 per month for liability and $120 for full coverage. Other top insurers include Auto-Owners and USAA, the latter of which is the best option for military families and veterans.
What is the average cost of auto insurance in South Carolina?
On average, South Carolina drivers pay $157 per month for liability coverage and $227 for full-coverage insurance. For comparison, the national average cost of insurance is $99 per month for liability coverage and $173 for full coverage. Talking to local agents can help you identify savings opportunities.
Why is car insurance so high in South Carolina?
South Carolina drivers face expensive average insurance rates due to a high risk of vehicle damage from hurricanes and tropical storms. South Carolina is one of the states with the most hurricanes. Costly insurance extends to home insurance as well. Current homeowners in the state may even need to purchase separate flood insurance.
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Sources
- United States Census Bureau. "QuickFacts Myrtle Beach city, South Carolina."
- Risk Factor. "Does Myrtle Beach have Wind Risk?."
- South Carolina Department of Insurance. "FAQs: Auto Insurance."
- Insurance Institute for Highway Safety. "Older drivers."
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Jess UllrichFreelance Insurance Writer
10+ years in personal finance writing and editing
Investopedia, Wall Street Journal, and The HuffPost
Jess is a personal finance writer who's been creating financial and business content for over a decade. Her work is published on Investopedia, MoneyWise, NextAdvisor, The HuffPost, and more. Prior to freelancing full-time, Jess was an editor at Investopedia, The Balance, and FinanceBuzz. Connect with her on LinkedIn.
Jess has been a contributor at Insurify since September 2022, and has written hundreds of empowering, informative articles on insurance topics.
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.