4.8out of 3,000+ reviews

Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka
Last Updated February 4, 2022
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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.
Quick Facts
- The average cost of car insurance in Myrtle Beach is $243 per month, or $2916 annually.
- Car insurance in Myrtle Beach is $16 less than the average cost of car insurance in South Carolina.
- The cheapest car insurance provider in Myrtle Beach on average is Kemper Preferred, but you should always compare quotes to find your best personal rate.
Car Insurance in Myrtle Beach, SC
Quotes by Top Companies
Cheapest Car Insurance in Myrtle Beach, SC
Insurance Provider in Myrtle Beach | Quotes |
---|---|
Direct Auto | $84 /mo |
State Farm | $96 /mo |
Allstate | $102 /mo |
Nationwide | $139 /mo |
The General | $199 /mo |
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Best Car Insurance in Myrtle Beach, SC
Best Companies | Score | Quotes |
---|---|---|
American Family | 89 | $202 /mo |
Safeco | 86 | $228 /mo |
Liberty Mutual | 82 | $211 /mo |
Travelers | 80 | $168 /mo |
Average Car Insurance Cost
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 |
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.
Driver's Age | Avg. Monthly Cost |
---|---|
teens | $508 |
20s | $334 |
30s | $275 |
40s | $263 |
50s | $295 |
60s | $201 |
70s | $248 |
80s | $219 |
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.
Driving History | Avg. Monthly Cost |
---|---|
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 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.
Credit Tier | Avg. Monthly Cost |
---|---|
Excellent | $291 |
Good | $284 |
Average | $282 |
Poor | $299 |
Find local Myrtle Beach agents
Davis Insurance Associates, Inc.
1203 48Th Ave N Suite 109,
Myrtle Beach, SC 29577-5425Beach Insurance
397 Robert M. Grissom Pkwy,
Myrtle Beach, SC 29577Benefit Insurance Services, Inc.
1101 Johnson Avenue,
Myrtle Beach, SC 29577Waccamaw Insurance Services, Inc.
1813 N. Oak Street,
Myrtle Beach, SC 29578John T Cook & Associates
4605 Oleander Dr,
Myrtle Beach, SC 29577-5739Southeastern Alliance Underwriters
3874 Renee Drive,
Unit A, Myrtle Beach, SC 29579-4358Scottish Ins Agency
7200 N. Kings Hwy,
Ste. 201, Myrtle Beach, SC 29572McGriff Insurance Services
2619 N Oak St Suite 200,
Myrtle Beach, SC 29577Statewide Ins Group Inc
3064 Dick Pond Rd Ste B,
Myrtle Beach, SC 29588-6802HUB International Myrtle Beach
4331 Robert Grissom Parkway,
Ste 201, Myrtle Beach, SC 29577
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.
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.
FAQs - Myrtle Beach, SC Car Insurance
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. 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. 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.
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Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
Insurify Insights
How Myrtle Beach Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Myrtle Beach, South Carolina below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Myrtle Beach drivers measure up to their fellow motorists across South Carolina in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Honda Accord
Most Popular Car in Myrtle Beach
#54
City with the Most Speeding Tickets Rank in South Carolina
#69
City with the Most Moving Violations Rank in South Carolina
#23
City with the Most DUIs Rank in South Carolina
#59
City with the Most Suspended Licenses in South Carolina
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 pay on average 46.82% more than drivers with a clean record
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 pay on average 42.73% more than drivers with a clean record
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 pay on average 26.82% more than drivers with a clean record
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 pay on average 53.64% more than drivers with a clean record.
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%
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 pay on average 0% more than drivers with a clean record
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%
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.
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.