120+ more*Quotes generated for Insurify users in and around Myrtle Beach, South Carolina within the last 10 days. Last updated on June 4, 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 June 4, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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Licensed property and casualty insurance agent
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NPN: 21630969
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Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
Updated
Drivers in Myrtle Beach, South Carolina, pay an average cost of $158 per month for state-required liability insurance and $243 per month for full-coverage auto insurance. That’s lower than nearby Charleston, as well as the smaller suburbs of Conway and Summerville, but higher than many other cities in the state.
Myrtle Beach’s lower premiums could be due to its lower number of vehicle thefts compared to other South Carolina cities (just 711 in 2025 versus Charleston’s 1,216). But its prices may be higher than in other parts of the state due to the area’s coastal location and risk of hurricanes, tropical storms, and other severe weather.
The cheapest car insurance company in Myrtle Beach is USAA, with an average premium of just $71 per month for liability-only insurance coverage. This comes in notably lower than the city and state averages of $158 per month and $160 per month, respectively.
South Carolina minimum insurance laws require all drivers to have at least $25,000 in bodily injury liability coverage per person, $50,000 per accident, and $25,000 in property damage liability insurance.[1]
See below for a list of the cheapest liability-only auto insurance in Myrtle Beach, South Carolina.
Insurance Company  | Average Monthly Quote: Liability Only |
|---|---|
| USAA | $71 |
| Auto-Owners | $76 |
| State Farm | $78 |
| GEICO | $108 |
| Nationwide | $115 |
| Allstate | $123 |
| Progressive | $129 |
| Travelers | $131 |
| Safeco | $142 |
| State Auto | $159 |
| Direct Auto | $161 |
| National General | $161 |
| Root | $165 |
| Dairyland | $180 |
| GAINSCO | $187 |
| The General | $187 |
| Liberty Mutual | $188 |
| AssuranceAmerica | $192 |
| First Acceptance | $213 |
| Hugo | $220 |
| Bristol West | $262 |
Pay your first week’s premium and get immediate proof of insurance
USAA is the cheapest insurer in Myrtle Beach for full-coverage insurance. Its average premium is $116 per month — much lower than the city’s $243 monthly average and Charleston’s $289 monthly average.
Some drivers may want full coverage to provide peace of mind, especially considering local weather risks. The city of Myrtle Beach is vulnerable to hurricanes, tropical storms, and the winds, rainfall, and flooding they bring.
The table below shows the cheapest rates for full-coverage car insurance in Myrtle Beach.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| USAA | $116 |
| Auto-Owners | $124 |
| State Farm | $129 |
| GEICO | $165 |
| Safeco | $181 |
| Nationwide | $188 |
| Progressive | $193 |
| Allstate | $200 |
| Travelers | $215 |
| National General | $241 |
| Direct Auto | $242 |
| Root | $247 |
| State Auto | $260 |
| AssuranceAmerica | $269 |
| Liberty Mutual | $303 |
| First Acceptance | $334 |
| GAINSCO | $344 |
| Dairyland | $351 |
| The General | $392 |
| Bristol West | $439 |
The most affordable places to get car insurance in South Carolina are Hilton Head Island, Aiken, and Anderson, where liability-only premiums are about $20 cheaper than in Myrtle Beach and $40 cheaper than the state average. Summerville has the most expensive premiums.
Myrtle Beach’s premiums may be pricier than these ultra-affordable cities due to its tourism industry, which brings more than 17 million visitors to the area — and its roads — annually.[2]
See the following table for average car insurance rates across South Carolina.
City | Average Monthly Quote |
|---|---|
| Aiken | $178 |
| Anderson | $184 |
| Charleston | $236 |
| Columbia | $231 |
| Florence | $235 |
| Fort Mill | $188 |
| Greenville | $199 |
| Greer | $185 |
| Lancaster | $229 |
| Lexington | $201 |
| Myrtle Beach | $201 |
| North Charleston | $249 |
| Rock Hill | $206 |
| Spartanburg | $198 |
| Summerville | $236 |
A wide number of highways — including Highway 95, Veterans Highway, U.S. 17, U.S. 501, S.C. 9, and S.C. 31 — serve Myrtle Beach drivers.
The city’s weather risks, high number of tourists, and dense population (1,518 people per square mile versus the state’s 170-person average) also may play a role in the higher premiums local drivers see.[3]
*Quotes generated for Insurify users in and around Myrtle Beach, South Carolina within the last 10 days. Last updated on June 4, 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 June 4, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance premiums can vary by driving record and other factors specific to you as a driver. Here are the cheapest car insurance companies in Myrtle Beach for various categories:
Cheapest car insurance for Myrtle Beach drivers with a clean driving record: USAA
Cheapest car insurance for drivers with a speeding ticket in Myrtle Beach: USAA
Cheapest car insurance for Myrtle Beach drivers with an at-fault accident: USAA
Cheapest car insurance for drivers with a DUI in Myrtle Beach: USAA
Exactly 5% of Myrtle Beach drivers have an at-fault accident on their driving record, according to Insurify data, while 0.47% of drivers have a driving under the influence (DUI) conviction. Since South Carolina is an at-fault state, drivers can be held legally liable if they cause a car accident.[4] This equals a higher risk for car insurance companies, as it increases how much they might need to spend if a covered driver is at fault.
Here’s what average premiums look like in Myrtle Beach for drivers with clean records, speeding tickets, at-fault accidents, and DUIs.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $201 |
| Speeding ticket | $237 |
| At-fault accident | $255 |
| DUI | $324 |
When it comes to driving conditions, every city is different. Here’s what to know about driving in Myrtle Beach:
Congestion may grow in the summer season. Myrtle Beach’s peak tourist season is summer (June through August), so traffic may increase during these months. Use extra caution, particularly near the Grand Strand and other popular tourist areas.
Some roads are busier than others. Some routes in the Myrtle Beach area are heavily traveled, so choose your path carefully. Highway 22 to Robert M. Grissom Parkway, for example, saw nearly 61,000 drivers per day in 2025, according to the state Department of Transportation. Carolina Bays Parkway to U.S. 17 saw nearly 66,000.[5]
Safe parking is critical. The city of Myrtle Beach is particularly prone to hurricanes, tropical storms, strong winds, and flooding. Having a covered, protected place to park is critical — particularly during hurricane season.
You can see how at risk a specific area of Horry County is using the county’s Know Your Zone tools.
Myrtle Beach is a tourist destination, and the congestion this creates on certain local roadways can affect insurance rates in the area. Some highways in the area see tens of thousands of drivers every day. For example, Socastee Blvd. to U.S. 501 sees more than 82,000, according to South Carolina Department of Transportation data. This can increase accident rates and lead to higher insurance rates as a result.
One thing that could help rates in the area is the city’s default 30 mph speed limit (where other limits aren’t posted).[6] The city has even reduced the posted speed limits on some streets, such as Farrow Parkway, in recent years.
Teen drivers make up a greater portion of the driving population in Myrtle Beach than in South Carolina overall. Census data shows that just 16.2% of Myrtle Beach residents are younger than age 18, compared to 21% statewide. South Carolina has unique laws regarding teen driver’s licenses. Until the age of 17, drivers can’t operate their vehicles between 6 p.m. and 6 a.m.[7]
For teen drivers in Myrtle Beach, the cheapest insurers are USAA and Auto-Owners.
Myrtle Beach teens pay monthly averages of $281 for liability policies and $432 for full-coverage policies.
See the table below for the cheapest insurance rates for teenage drivers in Myrtle Beach.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| USAA | $130 |
| State Farm | $150 |
| Auto-Owners | $153 |
| GEICO | $193 |
| Nationwide | $222 |
| Progressive | $229 |
| Allstate | $241 |
| Root | $246 |
| Travelers | $270 |
| Safeco | $285 |
| Direct Auto | $310 |
| Dairyland | $310 |
| National General | $318 |
| Liberty Mutual | $326 |
| GAINSCO | $329 |
| The General | $333 |
| First Acceptance | $378 |
| State Auto | $383 |
| AssuranceAmerica | $394 |
| Hugo | $401 |
| Bristol West | $459 |
Liability rates start as low as $71 per month
Nearly 24% of Myrtle Beach’s population is aged 65 and older — more than the state average of just 19%.
The cheapest insurance companies for senior drivers in Myrtle Beach are USAA and Auto-Owners, which have premiums significantly lower than other companies in the area.
See the table below for the cheapest car insurance companies in Myrtle Beach for seniors.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| USAA | $59 |
| Auto-Owners | $61 |
| State Farm | $63 |
| GEICO | $88 |
| Nationwide | $90 |
| Allstate | $102 |
| Travelers | $107 |
| Progressive | $117 |
| State Auto | $123 |
| Safeco | $127 |
| National General | $130 |
| Direct Auto | $135 |
| AssuranceAmerica | $154 |
| Root | $155 |
| Dairyland | $157 |
| Liberty Mutual | $160 |
| The General | $163 |
| GAINSCO | $164 |
| First Acceptance | $193 |
| Hugo | $195 |
| Bristol West | $224 |
Myrtle Beach auto insurance premiums vary based on a lot of factors. Use these frequently asked questions to learn more about what you might pay for coverage.
The cheapest car insurance company in Myrtle Beach is USAA, with liability policies averaging $71 per month. Auto-Owners and State Farm also have lower rates compared to other insurers, according to Insurify data.
The average premium for car insurance in Myrtle Beach is $158 per month for liability coverage and $243 per month for full coverage. Your exact premium will depend on many factors, including your insurer, deductible, driving record, vehicle, age, and more.
South Carolina car insurance may be more expensive than in other states due to its coastal location, which makes it more vulnerable to hurricanes, tropical storms, and other adverse weather events. One-third of all South Carolina counties are at a “high” or “very high” risk for hurricanes, according to the Federal Emergency Management Agency (FEMA).
The best car insurance company will depend on your unique profile as a driver, as well as your budget, ZIP code, vehicle, and other factors. USAA currently has the cheapest car insurance rates in the city.
Many factors affect car insurance rates in Myrtle Beach. The city’s high tourism, congested roadways, and risk of hurricanes and tropical storms all play a role in pricing.
To find affordable Myrtle Beach insurance, you should compare several insurance companies using an insurance marketplace like Insurify or independent auto insurance agents. Taking advantage of insurance discounts can help, too. This might require bundling your car insurance with your renters insurance or home insurance policy.
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
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.