Murrells Inlet, SC Car Insurance

What rates should residents of Murrells Inlet expect to pay for their car insurance? Are rates in Murrells Inlet higher or lower than those in neighboring areas? How do they compare to the rest of South Carolina? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:

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How much is car insurance in Murrells Inlet?

Looking at the chart above, you can see it's around $14 a month cheaper to insure your vehicle in Murrells Inlet than it is in the rest of South Carolina.

On the flip side, Murrells Inlet residents will likely pay higher rates to insure their vehicle than in the rest of the country. The cost of auto coverage in Murrells Inlet is about $9 more expensive than the national average.

While these numbers represent the average monthly payments for coverage in Murrells Inlet, that doesn't mean it's what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

We've analyzed the average rate for Murrells Inlet and broken down the different factors to help you understand what your policy's monthly premium will be. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!

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Average Car Insurance Rates by Age

The more time you've spent on the road, the more experience you have. That experience can turn into some real savings when it comes to car insurance premiums. According to the table above, you can see that 18-24-year-olds pay twice as much as someone who is at retirement age.

You can expect to see your monthly premium drop every 10 years or so. Drivers in Murrells Inlet may see their rates climb back up a bit once they hit retirement age.

Average Car Insurance Rates by Gender

Despite the national trend of women paying less than men for auto insurance, in Murrells Inlet men actually pay $87 per month for coverage while women pay $94.

Average Auto Insurance Rates by Driving Record

Rates can vary wildly depending on your driving record. Drivers with clean records can expect to pay much less than those with accidents or violations. In Murrells Inlet, having a single accident on your record will usually get you rates around $112 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $109 on average.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. So, if cheap car insurance is something you're after, drive safely and keep a clean record.

Average Insurance Rates by Vehicle

As you can see in the first table above, the cheapest vehicles to insure in Murrells Inlet are typically trucks and vans, which run about $83 per month.

Car owners, on the other hand, by and large pay around $95 per month, while SUV drivers can expect to pay about $86 a month for insurance coverage.

You may also see different rates based on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. In Murrells Inlet, the most expensive vehicles to insure are vehicles two-to-three years old and eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Overall, those who are currently married will pay slightly less to insure their car. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.

According to the table above, the difference in rates based on relationship status in Murrells Inlet can be as much as $38 a month, so it's worth taking into consideration.

Average Car Insurance Rates by Housing Situation

One other element taken into consideration is your living situation. In Murrells Inlet, homeowners can expect to pay around $26 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your overall costs.

Car Insurance Companies in Murrells Inlet, SC

Recent trends in car insurance for Murrells Inlet drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending before shopping for coverage.

Auto insurance rates in Murrells Inlet rose from 2017-2018 -- where they hit a high of $83 -- before steadying out in 2019. Car insurance rates increased again in 2020, and finished down at $103 in 2022.

How does Murrells Inlet compare to neighboring areas?

Why are car insurance rates in Murrells Inlet different from other areas?

Car insurance companies look at a variety of factors when they're figuring out how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you live and drive. These include things like:

• Total amount of drivers in the community
• Road Safety (how many accidents each locality has)
• Off-street parking access
• Area laws
• Area crime rates

While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Murrells Inlet?

While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Don't worry, Compare.com will handle the heavy lifting for you. Just punch in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering policies in Murrells Inlet.

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Murrells Inlet Insurance FAQs

What factors affect car insurance quotes in Murrells Inlet?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.

Why is the cost of car insurance in Murrells Inlet different from other neighboring cities?

Local laws, parking situations, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

Which car insurance company will offer me the cheapest rate in Murrells Inlet?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Murrells Inlet?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Murrells Inlet or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.