Cheapest Auto Insurance in Myrtle Beach, South Carolina (2024)

USAA has the cheapest liability coverage in Myrtle Beach, at $39 per month.

Jess Ullrich
Written byJess Ullrich
Jess Ullrich
Jess UllrichInsurance Writer
  • 10+ years writing insurance and personal finance topics

  • Former associate finance editor for Investopedia

Jess is a subject matter expert in insurance, banking, and other personal finance topics. Her byline has appeared in numerous top web media, including Investopedia.

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Katie Powers
Edited byKatie Powers
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Updated May 23, 2024

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Cheapest recent rates near Myrtle Beach, South Carolina

Drivers using Insurify have found quotes as cheap as $41/mo for liability only and $94/mo for full coverage in Myrtle Beach and other South Carolina cities.

*Quotes generated for Insurify users in and around Myrtle Beach, South Carolina within the last 10 days. Last updated on May 23, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 23, 2024. 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 May 23, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 23, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

The population of Myrtle Beach, South Carolina, has grown by 41.7% since 2010, according to U.S. Census data. This fast-growing city is a popular tourist destination home to about 38,400 year-round residents.[1]

The cost of liability car insurance is $164 per month in South Carolina but $144 in Myrtle Beach. Drivers in Myrtle Beach still pay more for liability coverage than the national average of $104 due to its high risk of property damage from hurricanes and tropical storms.

Here’s what you need to know about finding cheap coverage in Myrtle Beach, including how to compare quotes and coverage options.

Quick Facts
  • USAA, Auto-Owners, and State Farm have the cheapest liability coverage in Myrtle Beach.

  • The average monthly cost of full-coverage insurance is $215 in the U.S., $276 in South Carolina, and $201 in Myrtle Beach.

  • Myrtle Beach’s wind factor risk is extreme, based on the estimated likelihood and speed of potential hurricanes and severe storms in the area.[2]

3 of the cheapest car insurance companies in Myrtle Beach

Since insurance rates vary by company, it’s essential to get quotes from different car insurance companies to find the best fit that aligns with your budget.

Here are three of the cheapest options, but costs will vary depending on your specific needs and situation. The quotes provided below reflect statewide average insurance costs in South Carolina.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
USAA4.7$84$50Military members
State Farm4.6$93$56Safe driver discounts
Auto-Owners4.3$90$54Drivers with a past incident
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for military members: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$39/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$66/mo

Myrtle Beach has a rich military history and was home to an Air Force base for nearly 50 years. Veterans account for around 8% of the city’s total population. If you’re a veteran of the U.S. military, USAA could be a good choice for car insurance.

USAA offers affordable coverage and several auto insurance discounts, including a generous discount of up to 10% for bundling your auto coverage with home or life insurance.

Pros
  • A++ (Superior) financial strength rating from AM Best

  • Highly rated for customer satisfaction by J.D. Power

Cons
  • Exclusively for military members and their families

  • Low Trustpilot rating

Read our USAA review
Billy - May 22, 2024
Verified

USAA

The price became too expensive.

Stephanie - May 22, 2024
Verified

Customer Service Review

The customer service is always professional and helpful. I am thankful for the great people they employ.

Richard - May 21, 2024
Verified

No

Good company.

Best insurer for safe driver discounts: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$43/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$73/mo

If you’re a safe Myrtle Beach driver with a clean record, getting a quote from State Farm insurance could be a wise choice. State Farm offers a discount of up to 30% through its Drive Safe & Save program. Drivers who enroll in the program receive a 10% discount on their car insurance rates right away and further discounts for driving safely.

Pros
  • Many coverage options

  • Above-average J.D. Power customer satisfaction rating in the Southeast

Cons
  • Low Trustpilot ratings

  • Drive Safe & Save discount amount varies

Read our State Farm review
Shirley - May 22, 2024
Verified

Excellent

I need a discount because I'm a good driver.

Dana - May 22, 2024
Verified

Not Good

I don't drive much, but they keep raising my rate.

George - May 21, 2024
Verified

Still Looking...

Find a company that's cheaper with better benefits.

Best insurer for drivers with a past incident: Auto-Owners

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$42/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$71/mo

If you’re a Myrtle Beach driver with a past speeding ticket, at-fault accident, or DUI charge, it’s worth getting a quote from Auto-Owners because the car insurance company offers affordable coverage for people with past incidents on their driving records. Like many other insurers, Auto-Owners offers several discounts that could help reduce your insurance rates even further.

Pros
  • Can bundle car insurance with other types of insurance products

  • Unique discount for getting a quote before a policy

Cons
  • Online quotes not available

  • Must contact an agent to file a claim

Read our Auto-Owners review
James - May 14, 2024
Verified

Excellent

I'm quite satisfied, I'm just getting a quote from you.

Charles - May 14, 2024
Verified

Average

They're no different than any other company. They give a good price, then start raising your rates.

Duncan - May 11, 2024
Verified

Price Skyrocketed

They had very competitive pricing until 2024, but not after that.

How to get the cheapest car insurance in Myrtle Beach

Shopping around is important if you’re looking for affordable car insurance in Myrtle Beach because rates vary by insurer. Insurance companies also look at your age, gender, driving history, location, and more when determining your premiums.

While some of these factors are outside of your control, you can take some steps to find affordable insurance:

  • Research discounts. Just as insurance rates vary by company, so do discounts. Research potential discounts online or ask your insurance agent or customer service agent about possible savings and eligibility requirements. Common discounts include those for safe drivers, low-mileage drivers, or bundling multiple insurance products with your auto insurance, such as homeowners insurance, condo insurance, or renters insurance.

  • Drive safely. Being mindful of speed limits and paying attention behind the wheel can also help you get the lowest rates on car insurance.

  • Choose a safe car. Insurers often give discounts if your vehicle has certain safety features, like an anti-theft alarm or engine cutoff, airbags, and more.

Find Cheap Car Insurance in Myrtle Beach

Liability quotes start at $39 per month

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Cheapest liability-only car insurance in Myrtle Beach: USAA

A liability-only auto insurance policy offers basic protection and generally costs less than a full-coverage policy. It can protect you if you cause an accident and hurt another person or damage someone else’s property. But it won’t cover your own vehicle damage or bodily injury.

The average cost of liability coverage in Myrtle Beach is $144 per month. Here are some options for affordable liability insurance coverage.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
USAA39
Auto-Owners42
State Farm43
GEICO47
Safeco63
Nationwide64
Allstate67
Travelers73
Midvale Home & Auto84
Progressive86
State Auto88
Direct Auto103
Liberty Mutual116
Dairyland121
The General138
National General142
AssuranceAmerica164
Bristol West165
GAINSCO188
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Myrtle Beach: USAA

Full-coverage car insurance protection goes beyond what liability coverage provides. It always includes collision insurance, comprehensive insurance, and liability insurance, though it may include other coverages as well. Myrtle Beach drivers with newer cars could likely benefit from a full-coverage auto policy.

On average, Myrtle Beach drivers pay $201 per month for full-coverage insurance. Here are some affordable full-coverage options in the city.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
USAA66
Auto-Owners71
State Farm73
GEICO78
Safeco104
Nationwide108
Allstate114
Travelers123
State Auto129
Progressive138
Midvale Home & Auto145
Direct Auto172
AssuranceAmerica193
Liberty Mutual208
National General209
The General246
Dairyland267
Bristol West285
GAINSCO324
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Car insurance requirements in South Carolina

South Carolina is a tort state, meaning the insurance companies of drivers found at fault in an accident are responsible for covering the cost of damages, injuries, and losses. South Carolina law requires you to have a minimum amount of car insurance.

Here are the required coverages and amounts for South Carolina drivers:[3]

CoverageMinimum Requirements
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$25,000 per accident
Uninsured motorist coverage$25,000 per person / $50,000 per accident

If you want more coverage than a standard liability policy to protect your vehicle, you should consider the following optional coverages:

  • illustration card https://a.storyblok.com/f/162273/x/7b43b14514/damage-from-aircraft.svg

    Collision coverage

    Collision insurance protects your car following damage from an accident or collision with an object, regardless of fault.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance covers your car’s physical damage due to a natural event, like inclement weather, wildfires, or a downed tree.

  • illustration card https://a.storyblok.com/f/162273/150x150/13c17bd678/car-service-96x96-orange_027-car-lift.svg

    Gap coverage

    Gap insurance covers any difference between your outstanding auto loan balance and your car’s market value if you total your vehicle.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

    Medical payments insurance covers medical costs for you and your passengers following an accident-related injury.

Cheapest car insurance for drivers with an incident

If you don’t have a spotless driving record, you’re likely to pay a bit more for auto coverage in Myrtle Beach. Past infractions like speeding tickets, driving under the influence, at-fault accidents, and other moving violations can increase your insurance rates because your insurance company will view you as a higher risk on the road.

On average, Myrtle Beach drivers with a past incident on their record pay $203 per month for liability coverage and $283 for full coverage.

Shop for Car Insurance in Myrtle Beach

Monthly rates start at $50 for drivers with an incident

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Cheapest car insurance for drivers with a speeding ticket: USAA

Speeding tickets are one of the most common infractions that can increase your insurance prices. Exceeding the posted speed limit can increase your likelihood of getting into an accident, so insurers may charge you higher rates if you have past tickets.

The average cost of car insurance for drivers with a speeding ticket in Myrtle Beach is $217 per month for liability and $303 for full coverage.

Here are average liability quotes from Myrtle Beach insurers for drivers with clean driving records versus past tickets.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
USAA3952
Auto-Owners4256
State Farm4357
GEICO4763
Safeco6386
Nationwide6486
Allstate6789
Travelers7398
Midvale Home & Auto84116
Progressive86115
State Auto88127
Direct Auto103139
Liberty Mutual116170
Dairyland121163
The General138186
National General142209
AssuranceAmerica164224
Bristol West165219
GAINSCO188276
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: USAA

A past at-fault accident will also result in higher insurance rates. Insurance companies are likely to regard you as a high risk on the road if you have an at-fault accident or multiple accidents on your record. Still, you can try to find affordable coverage by shopping around.

On average, Myrtle Beach drivers with an accident pay $221 per month for liability and $308 for full coverage.

Here’s how average liability quotes compare for drivers with a clean driving record and people with an accident.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
USAA3954
Auto-Owners4258
State Farm4359
GEICO4765
Safeco6384
Nationwide6489
Allstate6793
Travelers73102
Midvale Home & Auto84122
Progressive86121
State Auto88134
Direct Auto103146
Liberty Mutual116175
Dairyland121167
The General138195
National General142195
AssuranceAmerica164228
Bristol West165225
GAINSCO188252
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: USAA

Your insurance company will also deem you a higher risk behind the wheel if you have a past DUI charge. Comparing quotes from different insurance companies and focusing on driving safely in the future are good ways to decrease your car insurance rates.

The average cost of coverage for Myrtle Beach drivers with a DUI is $250 for liability and $348 for full-coverage insurance.

Below, you can compare the average costs of liability coverage for drivers with a DUI and people with clean records.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
USAA3967
Auto-Owners4272
State Farm4373
GEICO4780
Safeco63107
Nationwide64109
Allstate67114
Travelers73125
Midvale Home & Auto84143
Progressive86147
State Auto88150
Direct Auto103176
Liberty Mutual116198
Dairyland121206
The General138235
National General142242
AssuranceAmerica164280
Bristol West165281
GAINSCO188321
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: USAA

Car insurance prices start to decline when you’re around 35 years old, but then they tend to increase again around age 70. Statistically, older drivers are more likely to get into fatal car accidents than middle-aged drivers, so insurance companies deem them high-risk policyholders.[4]

Senior drivers in Myrtle Beach pay an average of $112 per month for liability coverage and $156 for full-coverage insurance.

Here are some companies offering affordable liability and full-coverage auto policies for senior drivers.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
USAA5130
Auto-Owners5432
State Farm5532
GEICO6036
Nationwide7846
Safeco8149
Allstate8952
Travelers9355
Progressive9660
State Auto9666
Midvale Home & Auto10762
Direct Auto12877
AssuranceAmerica142121
Liberty Mutual15989
National General163111
The General196110
Dairyland20794
Bristol West221128
GAINSCO256149
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: USAA

Teen drivers have the highest average car insurance rates by age. Due to a lack of driving experience, teens are statistically more likely to have fatal motor vehicle accidents.

Joining your parents’ insurance policy, opting to drive a safe car, and taking advantage of applicable discounts can help you get the best deal on coverage, but you’ll still likely pay more for insurance than a driver older than 35.

The average cost of coverage for Myrtle Beach teenagers is $261 per month for liability and $364 for full coverage.

Here are some of the cheapest insurers offering affordable rates for young drivers in Myrtle Beach.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
USAA11065
Auto-Owners12372
GEICO12374
State Farm12473
Nationwide185110
Allstate200117
Safeco218132
Travelers222132
State Auto229156
Progressive250156
Midvale Home & Auto253147
Direct Auto315188
AssuranceAmerica359305
Liberty Mutual388216
National General390265
The General399224
Dairyland449203
Bristol West487282
GAINSCO581337
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Myrtle Beach car insurance quotes by credit tier

Your credit history will also factor into your insurance prices in Myrtle Beach because South Carolina insurers can consider your credit-based insurance score when determining premiums. Generally, the better your credit, the lower your monthly insurance payment. People with a poor credit history typically pay higher rates.

Below, you can compare average full-coverage insurance costs by credit tier in Myrtle Beach.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Myrtle Beach?

Liability car insurance in Myrtle Beach costs more than the national average but less than the South Carolina state average. Myrtle Beach drivers pay $144 per month for liability coverage on average, compared to the national liability average of $104.

Different factors, such as area population, crime rates, and more, influence insurance costs in your ZIP code. For example, in Charleston, the largest city in South Carolina, drivers pay around $207 per month for liability and $322 for full coverage. Myrtle Beach has a much smaller population of around 38,400, which may influence the city’s slightly lower rates.

More cities in South Carolina

Car insurance in Myrtle Beach is more affordable than rates in some other South Carolina cities. Compare average rates in other cities below.

CityFull CoverageLiability Only
Charleston$322$207
Columbia$283$178
Florence$338$201
Greenville$236$165
Lancaster$331$182
Lexington$245$158
North Charleston$356$231
Rock Hill$293$188
Spartanburg$246$146
Summerville$329$210
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Myrtle Beach car insurance FAQs

Before you start shopping around for car insurance, you should determine the right amount of auto coverage for your needs. The following information should help answer your remaining questions about finding the best policy at an affordable price in Myrtle Beach.

  • How much is car insurance in Myrtle Beach?

    The average cost of car insurance in Myrtle Beach is $144 per month for liability and $201 for full-coverage insurance. How much you pay for car insurance will ultimately depend on your driving record, age, credit history, and more.

  • Which company has the cheapest car insurance in Myrtle Beach?

    USAA has the cheapest liability coverage in Myrtle Beach, with a rate of $39 per month. Auto-Owners and State Farm also offer affordable auto coverage, with monthly rates of $42 and $43, respectively.

    It’s a good idea to compare quotes from multiple insurers at once to find cheaper coverage than your previous policy.

  • What are the best car insurance companies in Myrtle Beach?

    State Farm is one of the best car insurance companies in Myrtle Beach, thanks to a high Insurify Quality (IQ) Score of 4.6 out of 5 and an AM Best financial strength rating of A++ (Superior). On average, South Carolina drivers with a State Farm auto insurance policy pay $56 per month for liability and $93 for full coverage. Other top insurers include Auto-Owners and USAA, the latter of which is the best option for military families and veterans.

  • What is the average cost of auto insurance in South Carolina?

    On average, South Carolina drivers pay $164 per month for liability coverage and $276 for full-coverage insurance. For comparison, the national average cost of insurance is $104 per month for liability coverage and $215 for full coverage. Talking to local agents can help you identify savings opportunities.

  • Why is car insurance so high in South Carolina?

    South Carolina drivers face expensive average insurance rates due to a high risk of vehicle damage from hurricanes and tropical storms. South Carolina is one of the states with the most hurricanes. Costly insurance extends to home insurance as well. Current homeowners in the state may even need to purchase separate flood insurance.

Sources

  1. United States Census Bureau. "QuickFacts Myrtle Beach city, South Carolina."
  2. Risk Factor. "Does Myrtle Beach have Wind Risk?."
  3. South Carolina Department of Insurance. "FAQs: Auto Insurance."
  4. Insurance Institute for Highway Safety. "Older drivers."
Jess Ullrich
Jess UllrichInsurance Writer

Jess is a personal finance writer who's been creating financial and business content for over a decade. Her work is published on Investopedia, MoneyWise, NextAdvisor, The HuffPost, and more. Prior to freelancing full-time, Jess was an editor at Investopedia, The Balance, and FinanceBuzz. Connect with her on LinkedIn.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

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