Cheap Auto Insurance Quotes in Myrtle Beach, SC (2021)

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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.

Car Insurance in Myrtle Beach, SC

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.

Quotes by Top Carriers
Quotes ($/mo)
Direct AutoState FarmAllstateNationwideThe General
Monthly $

Cheapest Car Insurance in Myrtle Beach, SC

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.

Best Car Insurance in Myrtle Beach, SC

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Myrtle Beach. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
South CarolinaColumbiaCharlestonNorth CharlestonMount PleasantMyrtle Beach
Monthly $

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Myrtle Beach, SC Driving Facts


Minimum Car Insurance Requirements in SC

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:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability car insurance requirements for private passenger vehicles in South Carolina are as follows:

  • $25,000 per person/$50,000 per accident for Bodily Injury (BI)

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.

  • $25,000 per accident for Property Damage (PD)

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:

  • $25,000 per person/$50,000 per accident for Bodily Injury
  • $25,000 per accident for Property Damage

Myrtle Beach Car Insurance Rates by Driver Age

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.

Driving History
No Violation$269
Speeding Ticket$337
At-Fault Accident$370
Failure to Stop for Red Light / Stop Sign$320

Myrtle Beach Car Insurance Rates by Driving and Accident History

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.

Myrtle Beach Car Insurance Rates by Credit Tier

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.

Myrtle Beach, SC DMV Information

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.

Public Transportation in Myrtle Beach, SC

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.

Conclusion: How to get the best and cheapest car insurance in Myrtle Beach, SC

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.

Find local Myrtle Beach agents

Davis Insurance Associates, Inc. 
1203 48Th Ave N Suite 109, Myrtle Beach, SC 29577-5425
Beach Insurance 
397 Robert M. Grissom Pkwy, Myrtle Beach, SC 29577
Benefit Insurance Services, Inc. 
1101 Johnson Avenue, Myrtle Beach, SC 29577
Waccamaw Insurance Services, Inc. 
1813 N. Oak Street, Myrtle Beach, SC 29578
John T Cook & Associates 
4605 Oleander Dr, Myrtle Beach, SC 29577-5739
Southeastern Alliance Underwriters 
3874 Renee Drive, Unit A, Myrtle Beach, SC 29579-4358
Scottish Ins Agency 
7200 N. Kings Hwy, Ste. 201, Myrtle Beach, SC 29572
McGriff Insurance Services 
2619 N Oak St Suite 200, Myrtle Beach, SC 29577
Statewide Ins Group Inc 
3064 Dick Pond Rd Ste B, Myrtle Beach, SC 29588-6802
HUB International Myrtle Beach 
4331 Robert Grissom Parkway, Ste 201, Myrtle Beach, SC 29577

Insurify Insights: How Myrtle Beach Drivers Measure Up

Honda Accord
Most Popular Car in
Myrtle Beach, SC
suspended licenses
Cities with Most
Suspended Licenses Rank

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.

Accidents Myrtle Beach

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.

  • Rank within state: #54
  • Percent of drivers in Myrtle Beach with an accident: 10.32%
  • Drivers in Myrtle Beach, SC with an accident in their driving history paid on average 46.82% more than drivers with a clean record

Speeding Myrtle Beach

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.

  • Rank within state: #54
  • Percent of drivers in Myrtle Beach with a speeding ticket: 11.42%
  • Drivers in Myrtle Beach, SC with a speeding ticket in their driving history paid on average 42.73% more than drivers with a clean record

DUI/DWIs Myrtle Beach

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.

  • Rank within state: #23
  • Percent of drivers in Myrtle Beach with a DUI: 1.5%
  • Drivers in Myrtle Beach, SC with a DUI in their driving history paid on average 26.82% more than drivers with a clean record

Rude Myrtle Beach

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.

  • Rank within state: #25
  • Percent of drivers in Myrtle Beach with a reckless driving violation: 1.39%
  • Drivers in Myrtle Beach, SC with a reckless driving violation in their driving history paid on average 53.64% more than drivers with a clean record.

Safest Drivers Myrtle Beach

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.

  • Rank within state: #1
  • Percent of drivers in Myrtle Beach with clean record: 80.01%

Failure to Yield the Right of Way Myrtle Beach

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.

  • Rank within state: #26
  • Percent of drivers in Myrtle Beach with a failure to yield violation: 0.22%
  • Drivers in Myrtle Beach, SC with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers Myrtle Beach

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.

  • Rank within state: #7
  • Percent of drivers in Myrtle Beach with a reckless driving offense: 0.33%

Most Popular Vehicle Myrtle Beach

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.

FAQs - Myrtle Beach, SC Car Insurance

How much should I be paying for car insurance in Myrtle Beach?

Drivers in this area find that they tend to pay right around the national average for their auto coverage. Motorists find that their rates are based on a number of factors. including driving history and the level of protection they’re looking for.

What types of auto insurance do I need to have in South Carolina?

The state requires that motorists enroll in property damage, bodily injury, and uninsured motorist coverage before getting behind the wheel. If you’ll be driving frequently, you may want to explore additional types of coverage to give you greater peace of mind.

Where can I find cheap car insurance in Myrtle Beach?

If you’re looking for the perfect combination of great insurance coverage and low rates, visit Insurify today. After answering a few simple questions, you can compare real-time quotes from a variety of insurance companies and select the policy that’s right for you.

Insurify Rate Comparison Methodology

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.