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

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

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.

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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

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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, 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.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Myrtle Beach stacks up for the state of South Carolina:

Green Driving in Myrtle Beach, SC

The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.

South Carolina has mandated a number of environmentally friendly green vehicle laws. The state government has put into place regulations for low-speed vehicle operations, diesel vehicles, and alternative fuels. The state of South Carolina offers many green driver incentives, including federal tax credits and discounts through some car insurance carriers.

Greenes Cities

Myrtle Beach

Greenes Cities
% of Hybrids / Electrics

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.