Cheap Auto Insurance Quotes in Myrtle Beach, SC, for September 2022

If you need auto insurance and are based in Myrtle Beach, you’re probably there year-round. So you know how crazy drivers can get during the busy season and, therefore, how important it is to have a solid car insurance policy. To get the cheapest car insurance policy, try comparing car insurance with Insurify. It’s completely free and takes under five minutes.

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Cheap Car Insurance South Carolina

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You’ll see that on average, insurance rates in Myrtle Beach are pretty high; Charleston is much cheaper. Heavy summer traffic, a steady nightlife, and high-value vehicles on the road might contribute to these high average rates. It makes the quest for cheap insurance more important and more rewarding.

Should you always choose the company with the lowest car insurance premiums? Sometimes, but not always. In this table, compare average rates with the Insurify Composite Score, which gives you a sense of a company’s overall financial dependability, customer service record, and affordability. Safeco’s cheap premium and high ICS are looking pretty good.

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Minimum Car Insurance Requirements in South Carolina

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 be available when:

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

The minimum liability insurance requirements for private passenger vehicles in South Carolina^[1] are:

• $25,000 per person for bodily injury
• $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. South Carolina is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

• $25,000 per person for uninsured/underinsured motorist bodily injury
• $50,000 per accident for uninsured/underinsured motorist bodily injury
• $25,000 per accident for uninsured/underinsured motorist property damage

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In South Carolina, drivers are requred to purchase this coverage for both bodily injury and property damage.

South Carolina car insurance premiums can vary a lot depending on your age. As you can see in this table, the difference between average rates paid by young drivers and their middle-aged counterparts is striking. In South Carolina, young drivers under 20 pay over $500 per month on average for car insurance coverage. Yikes!

Insurance companies look at your driving history to determine if you’re likely to get in a car accident. And as you can see from these average Myrtle Beach insurance quotes based on driving record, a car accident or violation can increase your auto insurance rates significantly. Violations tend to expire from your driving record after three to five years.

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High-Risk Car Insurance South Carolina

DUI Car Insurance South Carolina

In addition to your driving record, insurance companies also pull your credit score to assess your financial dependability. Drivers with good credit scores usually pay cheaper premiums than those with poor credit scores. Check out average quotes in Myrtle Beach based on credit score in the table below.

Luckily, the Myrtle Beach DMV is full service, offering title & registration, road tests, and renewals on your driver’s license—everything you need from a DMV office. It’s open Monday through Friday, from 8:30 a.m. to 5 p.m., and is located right off Grissom Parkway at 21st Ave.

Coast RTA services the Myrtle Beach area with transportation to the major waypoints around town on 10 routes through Horry and Georgetown counties.

South Carolina car insurance is a bit pricier than the national average, and it punishes young drivers especially hard. If you drive a cheap car, you’ll want to consider opting out of full coverage or sticking with minimum coverage—but only if you drive a clunker. Car insurance is important, and especially in a flood-prone area, comprehensive coverage is a must-have.

Finding good auto insurance for a cheap price requires searching far and wide for car insurance quotes. So don’t rely only on brand names like State Farm, Allstate, and GEICO; make sure you’ve done your research. Insurify’s car insurance comparison provides free car insurance quotes from companies that you may not know yet, ready to compare, click, buy, and save.

For more detailed South Carolina city guides, check out these below