North Myrtle Beach, SC Car Insurance

North Myrtle Beach drivers pay, on average, around $88 a month for their car insurance. Read our guide below to learn more about your specific rates.
What rates should residents of North Myrtle Beach expect to pay for their car insurance? How do rates in North Myrtle Beach measure up compared to neighboring areas, including South Carolina as a whole? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in North Myrtle Beach?

Area Average Monthly Car Insurance Premium
North Myrtle Beach$88
SC$99
United States$80

Looking at the chart above, you can see it's around $11 a month cheaper to insure your vehicle in North Myrtle Beach than it is in the rest of South Carolina.

If you're considering relocating to North Myrtle Beach from out of state, you may want to budget a little extra for your insurance. It's around $8 more expensive for coverage in North Myrtle Beach than the average rates seen in the rest of the U.S.

The price you pay may very well be higher or lower than the rates you see, but we can help explain why. The amount that insurance companies end up charging you is determined by a number of factors. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the bill you'll see each month.

But don't worry, we've broken down the average rates for North Myrtle Beach residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$180
25-34$98
35-44$82
45-54$65
55-64$66
65+$72

It's pretty safe to assume that the older you are, the longer you've been driving, right? That experience can lead to some serious savings when it comes to auto insurance premiums. As you can see, 18-24-year-olds pay two times as much as drivers 65 and older.

You can expect to see a decrease in your monthly premium drop about once a decade or so. You may see your rates begin to go back up once you hit retirement in North Myrtle Beach.

Average Car Insurance Rates by Gender

Gender Average
Male$91
Female$86

Male drivers pay, on average. slightly more than female drivers for auto insurance. The difference in North Myrtle Beach is about $5 a month. As you can see in the table above, female drivers in the area typically pay $86 on average, while female drivers typically pay $91 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$121
Multiple Accidents$232
1 Ticket$105
Multiple Tickets$315

One of the biggest factors in determining your car insurance rates is your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In North Myrtle Beach, drivers with one accident on their record will experience rates around $121 a month. In addition, drivers with a single ticket on their record can expect to pay around $105 a month on average.

Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$66
2-3 Years$60
4-5 Years$101
6-7 Years$91
8-10 Years$97
11-14 Years$83
15 Years or Older$89

As you can see in the first table above, the cheapest vehicles to insure in North Myrtle Beach are by and large trucks and vans, which run about $68 per month.

Car owners, on the other hand, usually pay around $95 per month, while SUV drivers can expect to pay about $84 a month to insure their vehicle.

Your rates can also vary depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, once your car is about 5 years old, you may start to see your monthly premium decrease. In North Myrtle Beach, vehicles four-to-five years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$102
Married$68
Divorced$69
Widowed$79

Generally speaking, people who are married will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

The difference in rates based on relationship status in North Myrtle Beach is about $34 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$79
Rent$88
Live with parents$97

One other element taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $9 a month more than if you own your own home in North Myrtle Beach. Those who live with their parents, however, can expect to pay a lot more.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.

Car Insurance Companies in North Myrtle Beach, SC

Recent trends in car insurance for North Myrtle Beach drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing where to shop.

The rates for auto insurance in North Myrtle Beach had been decreasing from 2016-2017, before leveling out in 2018. They finished down in 2021, at $78 per month

How does North Myrtle Beach compare to neighboring areas?

Why are car insurance rates in North Myrtle Beach different from other areas?

Car insurance companies take in a lot of factors when figuring out how much individual insurance policies will cost. While we already mentioned the ones that affect your personal policy, others are influenced by where you live. These include things like:

  • Total number of drivers in the community
  • Regional laws
  • Off-street parking accessibility
  • Local crime rates
  • Road Safety (frequency of car accidents)

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.

How can I find the cheapest car insurance in North Myrtle Beach?

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

Luckily, Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from loads of the car insurance companies providing policies in North Myrtle Beach.

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North Myrtle Beach Insurance FAQs

What factors affect car insurance quotes in North Myrtle Beach?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.

Why is the cost of car insurance in North Myrtle Beach different from other neighboring cities?

Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

Which car insurance company will offer me the cheapest rate in North Myrtle Beach?

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

Do I need to change my insurance if I move to North Myrtle Beach?

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

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 time, regardless of how long is left on your current policy. So, if you've recently moved to North Myrtle Beach or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

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