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A popular vacation destination for many, Myrtle Beach stretches along the South Carolina coast. The city is made up of nearly 60 miles of beaches and, while it’s only home to about 33,000 people, tends to have a larger metro feel due to the influx of out-of-towners. Surface streets tend to be easy to navigate although freeways can become very slow during rush hour. As South Carolina is known for its high rate of auto collisions, it’s advised that you enroll in a robust car insurance policy if you’ll be driving in the area.
The average cost of South Carolina car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Myrtle Beach, SC to find you the cheapest quotes in the area.
Here are the cheapest carriers in Myrtle Beach for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.
| Cheapest Companies | |
|---|---|
 Direct Auto | $84/mo |
 State Farm | $96/mo |
 Allstate | $102/mo |
 Nationwide | $139/mo |
 The General | $199/mo |
| Best Companies | ||
|---|---|---|
 American Family | $202/mo | |
 Safeco | $228/mo | |
 Liberty Mutual | $211/mo | |
 Travelers | $168/mo |
South Carolina Cities | |
|---|---|
| Columbia | $154/mo |
| Charleston | $132/mo |
| North Charleston | $125/mo |
| Mount Pleasant | $139/mo |
| Myrtle Beach | $139/mo |
| South Carolina | $138/mo |
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All motor vehicles operated or parked on South Carolina roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:
The minimum liability car insurance requirements for private passenger vehicles in South Carolina are as follows:
Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by South Carolina state law are $25,000 for the death or injury of a single victim as a result of a car accident and $50,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 25/50, referring to the dollar limitations of each minimum. If you’re in an accident, liability coverage will cover the cost of a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by South Carolina law.
The state minimum amount of property damage liability coverage required in the state of South Carolina is $25,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.
Uninsured and underinsured motorist coverage are required in South Carolina. This coverage protects drivers who might incur damages from an accident caused by an uninsured or underinsured driver. If involved in an accident with an individual without sufficient coverage, insured drivers will still be covered. In South Carolina, the legally required level of Uninsured Motorist coverage is:
Age means everything in Myrtle Beach when it comes to what you pay for car insurance. According to the average rates in this city, younger drivers cost more to insure than drivers in their 30s and older. Teen driver premiums average out to $507, while those in their 20s pay $333. Why the higher rates? A driver’s experience on the road is directly related to risk. As motorists mature, rates drop. A driver in their 60s pays up to 2.5 times less for insurance than young drivers do.
| Driver's Age | |
|---|---|
| teens | $508 |
| 20s | $334 |
| 30s | $275 |
| 40s | $263 |
| 50s | $295 |
| 60s | $201 |
| 70s | $248 |
| 80s | $219 |
| Driving History | |
|---|---|
| No Violation | $269 |
| Speeding Ticket | $337 |
| At-Fault Accident | $370 |
| Failure to Stop for Red Light / Stop Sign | $320 |
Your behavior behind the wheel has as much to do with your insurance premium as age and other variables. Since your driving record reflects your actions on the road, insurance companies look to it to determine how much risk you represent and the rates they should charge. Drivers with a clean record pay less in insurance premiums than those with violations. A motorist whose record is marred by an at-fault accident in Myrtle beach pays $369, while the accident-free driver pays just $268.
Insurance companies can learn a lot about you by taking your credit score into consideration. In order to determine your insurance rates, an insurance company must first calculate your risk. While variables like age and the kind of car you drive are part of this calculation, how well you manage your money is too. The lower your credit score, the higher your insurance rates can be. Lower car insurance rates are just one reason why increasing your score is so desirable. Premiums for drivers with an excellent credit score in Myrtle Beach average out to $290.
| Credit Tie | |
|---|---|
| Excellent | $291 |
| Good | $284 |
| Average | $282 |
| Poor | $299 |
Motorists who need to renew their driver’s license or vehicle registration or need help with other tasks have two offices to choose from in Myrtle Beach. The South Carolina DMV office is situated in the northern part of town, with weekday hours of 8:30 a.m. to 5 p.m., opening one hour later on Wednesdays. The Myrtle Beach Commons DMV offers the same hours, and both locations are known for their prompt and friendly service.
Many visitors and residents of Myrtle Beach rely on the public bus system, Coast RTA. It features 10 different routes with several flex routes available and reaches nearly all parts of the city. Buses here do sometimes run late, so if you’re on a time-sensitive trip, a rideshare service like Lyft or Uber may be smart. Walking around the main attractions of Myrtle Beach is doable; however, traversing the entire city on foot would be exhausting.
Living in Myrtle Beach can be a great experience, but if you’re going to drive in the area, it’s smart to learn your way around and become familiar with alternate routes in the event of traffic jams. Drivers here may not always be insured either, so consider what level of auto coverage you’re most comfortable with, and take time to reevaluate that regularly.
Those who are looking to change their car insurance coverage may not want to spend time comparing quotes and hunting down deals. Instead, you can make the task easy by visiting Insurify. With just a few clicks, you’ll be able to find the best policy that meets your driving needs.
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Myrtle Beach drivers measure up to their fellow South Carolina motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Myrtle Beach drivers rank 54 in the number of car accidents per driver across all cities in South Carolina.
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in South Carolina, Myrtle Beach drivers rank 54 in the number of speeding infractions per driver.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Myrtle Beach drivers rank 23 in the number of DUI’s per driver across all cities in South Carolina.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in South Carolina, Myrtle Beach drivers rank 25 in rude driving infractions.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Myrtle Beach drivers rank 1 in clean driving records across all cities in South Carolina.
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Myrtle Beach drivers rank 26 in failure to yield violations per driver across all cities in South Carolina.
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in South Carolina, Myrtle Beach drivers rank 7 in the number of reckless driving offenses per driver.
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Myrtle Beach is the Honda Accord.
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
