Cheapest Auto Insurance in Myrtle Beach, South Carolina (2025)

USAA has the cheapest liability coverage in Myrtle Beach, at $59 per month.

Secure. Free. Easy-to-use.
Excellent
State farm LogoProgressive LogoAllstate LogoLiberty Mutual LogoFarmers LogoThe General Logo120+ more

Cheapest recent rates near Myrtle Beach, South Carolina

Drivers in and around Myrtle Beach, South Carolina have found policies from AssuranceAmerica, Direct Auto, Progressive, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Myrtle Beach, South Carolina within the last 10 days. Last updated on August 6, 2025. 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 August 6, 2025. 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 August 6, 2025. 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 August 6, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Jess Ullrich
Written byJess Ullrich
Jess Ullrich
Jess UllrichInsurance Writer
  • Más de 10 años escribiendo sobre seguros y finanzas personales

  • Ex editora asociada de finanzas de Investopedia

Jess es experta en seguros, banca y otros temas de finanzas personales. Sus artículos han aparecido en numerosos medios de comunicación web, como Investopedia.

Featured in

media logomedia logo
Katie Powers
Edited byKatie Powers
Photo of an Insurify author
Katie PowersSenior Editor
  • Licensed auto and home insurance agent

  • 3+ 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.

Featured in

media logomedia logo
Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderSenior Director, Media Relations, Triple-I
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Updated

Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure

At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.

We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.

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 $173 per month in South Carolina but $170 in Myrtle Beach. Drivers in Myrtle Beach still pay more for liability coverage than the national average of $107 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 $192 in the U.S., $252 in South Carolina, and $216 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.

USAA logo
Auto-Owners logo
State Farm logo
GEICO logo
Progressive logo
Farmers logo
Average price
Prices based on average across state-minimum and full coverage car insurance
$84/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
$90/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
$93/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
$164/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
$138/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
$169/mo*
Overall rating
4.9
Overall rating
3.9
Overall rating
4.1
Overall rating
3.9
Overall rating
3.3
Overall rating
3.8
Value for money
4.9/5
Value for money
3.4/5
Value for money
3.8/5
Value for money
3.8/5
Value for money
3.3/5
Value for money
3.6/5
Customer service
4.7/5
Customer service
3.8/5
Customer service
4.1/5
Customer service
3.9/5
Customer service
3.3/5
Customer service
3.8/5
Claims handling
4.9/5
Claims handling
3.9/5
Claims handling
4.1/5
Claims handling
4.1/5
Claims handling
3.4/5
Claims handling
4.0/5
Special highlight
AI-generated from 1205 user reviews
Members of the military community
Special highlight
AI-generated from 124 user reviews
Cheap rates
Special highlight
AI-generated from 6083 user reviews
Customer service
Special highlight
AI-generated from 6453 user reviews
Teen drivers
Special highlight
AI-generated from 6986 user reviews
Competitive rates
Special highlight
AI-generated from 1184 user reviews
Bundling discounts
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.
$59/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.
$93/mo
4.9
Best choiceBased on 2,129 verified guest 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 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 For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,205)
Richard
Verified Review
I don't like that you only get the discount if you're enrolled in their monitoring safe driving program. It's not easy for someone like me who has a hard time navigating on my phone. I've tried to do it on the phone with one of their agents, but it didn't go through, so they raised my monthly payments. I'm on auto-pay, so I'm not very happy.
Reviewed in Connecticut on August 2025
I don't like that you only get the discount if you're enrolled in their monitoring safe driving program. It's not easy for someone like me who has a hard time navigating on my phone. I've tried to do it on the phone with one of their agents, but it didn't go through, so they raised my monthly payments. I'm on auto-pay, so I'm not very happy.
Robert
Verified Review
Best Value for Veterans!
Reviewed in Washington on July 2025
Top Notch! Best Insurance for Veterans!
Carol
Verified Review
I've been with them for 60 years
Reviewed in Georgia on July 2025
They offer a savings account, but you end up paying for it with higher premiums.
See all USAA reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
A.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
4.1
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.
$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
4.1
Best choiceBased on 11,395 verified guest 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 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 For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,083)
Robert
Verified Review
State Farm Doing the Lord's Work
Reviewed in Florida on August 2025
They were quick on the phone when I needed insurance for my new car at the dealership, and they gave me the best rate (about $150 less a month) out of the 3 or 4 that I called.
Christopher
Verified Review
State Farm too expensive.
Reviewed in Florida on August 2025
Constant price increases are never a good thing.
Scott
Verified Review
State Farm: High on Cost, Low on Actual Service
Reviewed in Texas on August 2025
Absolutely painful. Exactly what you think of when discussing insurance companies. The agent is super active to get you to sign up, disappears entirely while you are a customer, and won’t get involved at all when you need something, but tries to be your best friend when you move to cancel.
See all State Farm reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.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
3.9
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.
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.
$64/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.
$99/mo
3.9
A solid optionBased on 210 verified guest 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 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 For
Cheap rates
Senior drivers
Ample discounts
Reviews (124)
James
Verified Review
Dissatisfied
Reviewed in Alabama on August 2025
I'm tired of the constant coverage rate increases even though I have a perfect driving record. There are no discounts whatsoever.
Gerald
Verified Review
Car Insurance
Reviewed in Florida on August 2025
Excellent, but the price is higher.
Timothy
Verified Review
Good Insurance Company
Reviewed in Georgia on July 2025
Check around every year for different rates.
See all Auto-Owners reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46
A.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 $59 per month

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

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 $170 per month. Here are some options for affordable liability insurance coverage.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
USAA$59
Auto-Owners$64
State Farm$66
Progressive$95
Nationwide$97
Allstate$102
Travelers$110
State Auto$134
GEICO$134
Safeco$136
National General$147
Direct Auto$151
Root$157
Dairyland$164
The General$175
Liberty Mutual$187
Bristol West$214
GAINSCO$216
AssuranceAmerica$229
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $216 per month for full-coverage insurance. Here are some affordable full-coverage options in the city.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
USAA$93
Auto-Owners$99
State Farm$103
Nationwide$151
Progressive$156
Allstate$160
GEICO$164
Travelers$172
Safeco$173
State Auto$208
Direct Auto$214
National General$214
Root$250
Liberty Mutual$279
The General$317
AssuranceAmerica$329
Dairyland$332
Bristol West$368
GAINSCO$377
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Myrtle Beach, South Carolina

Drivers in and around Myrtle Beach, South Carolina have found policies from Progressive, First Acceptance, Safeco, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Myrtle Beach, South Carolina within the last 10 days. Last updated on August 6, 2025. 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 August 6, 2025. 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 August 6, 2025. 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 August 6, 2025. 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
sort ascsort desc
Minimum Requirements
sort ascsort desc
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:

  • illustration card https://a.storyblok.com/f/162273/x/7b43b14514/damage-from-aircraft.svg

    Collision coverage

    Collision insurance protects your car following damage from an accident or collision with an object, regardless of fault.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance covers your car’s physical damage due to a natural event, like inclement weather, wildfires, or a downed tree.

  • illustration card https://a.storyblok.com/f/162273/150x150/13c17bd678/car-service-96x96-orange_027-car-lift.svg

    Gap coverage

    Gap insurance covers any difference between your outstanding auto loan balance and your car’s market value if you total your vehicle.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    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 $198 per month for liability coverage and $252 for full coverage.

Shop for Car Insurance in Myrtle Beach

Monthly rates start at $69 for drivers with an incident

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

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 $207 per month for liability and $263 for full coverage.

Here are average liability quotes from Myrtle Beach insurers for drivers with clean driving records versus past tickets.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Speeding Ticket
sort ascsort desc
USAA$59$72
Auto-Owners$64$78
State Farm$66$79
Progressive$95$115
Nationwide$97$119
Allstate$102$124
Travelers$110$135
State Auto$134$165
GEICO$134$167
Safeco$136$170
National General$147$178
Direct Auto$151$185
Root$157$201
Dairyland$164$200
The General$175$225
Liberty Mutual$187$231
Bristol West$214$263
GAINSCO$216$252
AssuranceAmerica$229$269
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $215 per month for liability and $273 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 are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Accident
sort ascsort desc
USAA$59$74
Auto-Owners$64$80
State Farm$66$82
Progressive$95$120
Nationwide$97$123
Allstate$102$128
Travelers$110$140
State Auto$134$170
GEICO$134$159
Safeco$136$181
National General$147$184
Direct Auto$151$196
Root$157$195
Dairyland$164$208
The General$175$231
Liberty Mutual$187$239
Bristol West$214$272
GAINSCO$216$266
AssuranceAmerica$229$273
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $209 for liability and $266 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 are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With DUI
sort ascsort desc
USAA$59$81
Auto-Owners$64$88
State Farm$66$91
Progressive$95$117
Nationwide$97$134
Allstate$102$140
Travelers$110$151
State Auto$134$185
GEICO$134$185
Safeco$136$191
National General$147$202
Direct Auto$151$208
Root$157$216
Dairyland$164$226
The General$175$241
Liberty Mutual$187$258
Bristol West$214$295
GAINSCO$216$297
AssuranceAmerica$229$315
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $146 per month for liability coverage and $185 for full-coverage insurance.

Here are some companies offering affordable liability and full-coverage auto policies for senior drivers.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
USAA$75$48
Auto-Owners$79$51
State Farm$81$52
Nationwide$115$74
GEICO$129$105
Allstate$130$83
Progressive$134$81
Travelers$136$87
Safeco$150$118
State Auto$159$103
National General$165$113
Direct Auto$169$119
Root$210$132
Liberty Mutual$233$156
AssuranceAmerica$255$177
The General$256$142
Dairyland$270$134
Bristol West$301$175
GAINSCO$314$180
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $342 per month for liability and $434 for full coverage.

Here are some of the cheapest insurers offering affordable rates for young drivers in Myrtle Beach.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
USAA$178$113
Auto-Owners$190$123
State Farm$204$130
Nationwide$304$195
GEICO$307$251
Progressive$314$191
Allstate$327$208
Travelers$355$227
Safeco$369$290
Direct Auto$438$309
National General$451$310
Root$458$288
State Auto$518$333
Liberty Mutual$527$353
The General$571$315
Dairyland$580$287
AssuranceAmerica$679$473
Bristol West$690$401
GAINSCO$736$422
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Find Car Insurance in Myrtle Beach

Insurify partners with 120+ insurers for real-time quotes

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

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 $170 per month for liability coverage on average, compared to the national liability average of $107.

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 $197 per month for liability and $268 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
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
Charleston$268$197
Columbia$281$192
Florence$284$198
Greenville$244$172
Lancaster$248$180
Lexington$258$171
North Charleston$292$209
Rock Hill$249$180
Spartanburg$243$168
Summerville$267$203
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $170 per month for liability and $216 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 $59 per month. Auto-Owners and State Farm also offer affordable auto coverage, with monthly rates of $64 and $66, 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 $71 per month for liability and $112 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 $173 per month for liability coverage and $252 for full-coverage insurance. For comparison, the national average cost of insurance is $107 per month for liability coverage and $192 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.

Sources

  1. United States Census Bureau. "QuickFacts Myrtle Beach city, South Carolina."
  2. Risk Factor. "Does Myrtle Beach have Wind Risk?."
  3. South Carolina Department of Insurance. "FAQs: Auto Insurance."
  4. Insurance Institute for Highway Safety. "Older drivers."
Jess Ullrich
Jess UllrichInsurance Writer

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.

Katie Powers
Edited byKatie PowersSenior Editor
Photo of an Insurify author
Katie PowersSenior Editor
  • Licensed auto and home insurance agent

  • 3+ 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.

Featured in

media logomedia logo
Mark Friedlander
Reviewed byMark FriedlanderSenior Director, Media Relations, Triple-I
Mark Friedlander
Mark FriedlanderSenior Director, Media Relations, Triple-I
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate