Cheapest Auto Insurance in Myrtle Beach, South Carolina (2025)
USAA has the cheapest liability coverage in Myrtle Beach, at $59 per month.
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Written byJess Ullrich
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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.
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Edited byKatie Powers
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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.
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Reviewed byMark Friedlander
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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.
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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 $170 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 $104 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 $184 in the U.S., $242 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.
 |  |  |  |  |  |
|---|---|---|---|---|---|
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 $163/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 Members of the military communityAI-generated from 1215 user reviews | Special highlight Cheap ratesAI-generated from 129 user reviews | Special highlight Customer serviceAI-generated from 6120 user reviews | Special highlight Teen driversAI-generated from 6477 user reviews | Special highlight Competitive ratesAI-generated from 7040 user reviews | Special highlight Bundling discountsAI-generated from 1189 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. | $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 2,153 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 (1,215)
Bob
Verified Review
Solid Insurance Company
Reviewed in Alabama on August 2025
I'm a 68-year customer. That should tell you everything.
Randall
Verified Review
USAA not recommended
Reviewed in Texas on August 2025
I had my debit card hacked, and the bank had to create a new account, which caused all of the autopayments to be rejected until I got a new card and account number. Since it was a hack used to purchase bitcoin, the bank fraud investigators took longer than normal to get everything switched over. Just about every company was great about the failed charge once they heard about the reason. Not USAA. They sent major emails the second the charge was rejected and kept piling on. I called them, and they were unapologetic and rude. I asked them if they kept track of how long a person has been a customer. They told me I had been a customer for 37 years. They could not have cared less and then started trying to intimidate me by asking if I was still active duty and needed to update their records with this info, which they had for 25 years. They have poor customer service and high rates. Not the company they used to be. They were the only company I left through the whole experience. I would not recommend them, especially after all of the fraud that has come out of the company in recent years.
John
Verified Review
Not recommended for vehicle insurance
Reviewed in New Jersey on August 2025
Very difficult to deal with if you have a vehicle insurance claim; very good though with homeowners insurance.
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 | 4.1 |
|---|---|
| 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 11,501 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 (6,120)
Lemuel
Verified Review
Too Much
Reviewed in Ohio on August 2025
They raise the premium constantly.
Scott
Verified Review
State Farm: Unbelievable Agent
Reviewed in Florida on August 2025
When my wife and I were in an accident in the Blue Ridge Mountains and were airlifted to a trauma center in Tennessee, I called my agent to report the accident while laying flat on my back. She told me I needed to call the corporate number. I explained that I was flat on my back with IVs in me, and she said, "Don't worry, I will take care of everything. Call me back when you are better." They handled everything for us. When we returned home and went to see them, it was unbelievable. They said, "Bring all your bills in, and we will handle it for you."
Julio
Verified Review
Claims!!!
Reviewed in North Carolina on August 2025
I had a bad experience with a claim because both parties used the same insurance company.
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 | 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 221 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 (129)
Linda
Verified Review
Best Claim Service
Reviewed in Michigan on August 2025
When a driver drove into my back end, the communication and service were excellent!
Bruce C
Verified Review
Auto-Owners OK
Reviewed in Michigan on August 2025
Return calls and information are relatively fast. Previous attempts to find a lower-cost policy have been fruitless.
John
Verified Review
Auto-Owners Too Expensive
Reviewed in Georgia on August 2025
Way too expensive. At least $150/month more than others.
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 $59 per month
Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
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: Tuesday, August 12 at 12:00 PM PDT.
Insurance Company  | Average Monthly Quote |
|---|---|
| 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: Tuesday, August 12 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| 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 using Insurify have found quotes as cheap as $82/mo for liability only and $106/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 August 28, 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 28, 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 28, 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 28, 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 | 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 $198 per month for liability coverage and $252 for full coverage.
Shop for Car Insurance in Myrtle Beach
Monthly rates start at $70 for drivers with an incident
Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
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 $202 per month for liability and $257 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: Tuesday, August 12 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| USAA | $59 | $72 |
| Auto-Owners | $64 | $78 |
| State Farm | $66 | $80 |
| Progressive | $95 | $113 |
| Nationwide | $97 | $119 |
| Allstate | $102 | $124 |
| Travelers | $110 | $135 |
| State Auto | $134 | $165 |
| GEICO | $134 | $167 |
| Safeco | $136 | $170 |
| National General | $147 | $179 |
| Direct Auto | $151 | $185 |
| Root | $157 | $199 |
| Dairyland | $164 | $200 |
| The General | $175 | $227 |
| Liberty Mutual | $187 | $228 |
| Bristol West | $214 | $263 |
| GAINSCO | $216 | $253 |
| AssuranceAmerica | $229 | $268 |
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 $214 per month for liability and $272 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: Tuesday, August 12 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| USAA | $59 | $75 |
| Auto-Owners | $64 | $80 |
| State Farm | $66 | $83 |
| Progressive | $95 | $120 |
| Nationwide | $97 | $124 |
| Allstate | $102 | $129 |
| Travelers | $110 | $141 |
| State Auto | $134 | $172 |
| GEICO | $134 | $161 |
| Safeco | $136 | $182 |
| National General | $147 | $188 |
| Direct Auto | $151 | $200 |
| Root | $157 | $195 |
| Dairyland | $164 | $211 |
| The General | $175 | $234 |
| Liberty Mutual | $187 | $239 |
| Bristol West | $214 | $274 |
| GAINSCO | $216 | $269 |
| AssuranceAmerica | $229 | $275 |
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 $213 for liability and $271 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: Tuesday, August 12 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| USAA | $59 | $80 |
| Auto-Owners | $64 | $87 |
| State Farm | $66 | $90 |
| Progressive | $95 | $119 |
| Nationwide | $97 | $132 |
| Allstate | $102 | $139 |
| Travelers | $110 | $150 |
| State Auto | $134 | $183 |
| GEICO | $134 | $183 |
| Safeco | $136 | $205 |
| National General | $147 | $201 |
| Direct Auto | $151 | $206 |
| Root | $157 | $214 |
| Dairyland | $164 | $224 |
| The General | $175 | $239 |
| Liberty Mutual | $187 | $255 |
| Bristol West | $214 | $292 |
| GAINSCO | $216 | $295 |
| AssuranceAmerica | $229 | $312 |
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 $148 per month for liability coverage and $188 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: Tuesday, August 12 at 12:00 PM PDT.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| USAA | $77 | $49 |
| Auto-Owners | $81 | $52 |
| State Farm | $82 | $53 |
| Nationwide | $117 | $75 |
| Allstate | $133 | $85 |
| GEICO | $133 | $108 |
| Progressive | $136 | $83 |
| Travelers | $139 | $89 |
| Safeco | $153 | $120 |
| State Auto | $163 | $105 |
| National General | $170 | $116 |
| Direct Auto | $174 | $123 |
| Root | $215 | $135 |
| Liberty Mutual | $236 | $158 |
| AssuranceAmerica | $260 | $181 |
| The General | $264 | $146 |
| Dairyland | $275 | $136 |
| Bristol West | $306 | $178 |
| GAINSCO | $322 | $184 |
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 $341 per month for liability and $433 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: Tuesday, August 12 at 12:00 PM PDT.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| USAA | $178 | $113 |
| Auto-Owners | $193 | $125 |
| State Farm | $205 | $131 |
| Nationwide | $305 | $196 |
| GEICO | $306 | $250 |
| Progressive | $313 | $191 |
| Allstate | $328 | $209 |
| Travelers | $359 | $229 |
| Safeco | $360 | $283 |
| Direct Auto | $439 | $310 |
| National General | $455 | $313 |
| Root | $456 | $286 |
| Liberty Mutual | $515 | $345 |
| State Auto | $521 | $336 |
| The General | $573 | $316 |
| Dairyland | $581 | $287 |
| AssuranceAmerica | $685 | $477 |
| Bristol West | $690 | $401 |
| GAINSCO | $742 | $425 |
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.
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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 $170 per month for liability coverage on average, compared to the national liability average of $104.
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 | Full Coverage | Liability Only |
|---|---|---|
| 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 $72 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 $170 per month for liability coverage and $242 for full-coverage insurance. For comparison, the national average cost of insurance is $104 per month for liability coverage and $184 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 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.
Licensed auto and home insurance agent
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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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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.