North Myrtle Beach, SC Car Insurance

On average, North Myrtle Beach drivers pay around $94 a month for their car insurance. Check out our guide below to find out how much you'll pay.
Map of cities where drivers can find cheaper car insurance
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How does North Myrtle Beach stack up to the rest of the area, or even South Carolina as a whole? What rates can residents of North Myrtle Beach expect to pay for their car insurance? Find the average cost breakdowns and determining 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$94
SC$104
United States$81

Based on the chart above, you can see that it's about $10 a month cheaper to insure your vehicle in North Myrtle Beach than it is in the rest of South Carolina.

On the other hand, the expected monthly payments for an auto insurance policy in North Myrtle Beach are above the national average. The cost of insuring a vehicle in North Myrtle Beach is about $13 more expensive than the average rate for the rest of the U.S.

While these are the average car insurance rates for North Myrtle Beach, you could end up paying something different. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly premium.

But worry not, we've done the heavy lifting and broken down the average rate for North Myrtle Beach to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!


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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$182
25-34$131
35-44$84
45-54Not Enough Data
55-64$68
65+$72

Generally speaking, the older you are, the more experience you have driving, right? That experience can turn into some real savings when it comes to auto insurance rates. In this case, 18-24-year-olds pay $110 more than someone who is at retirement age.

You can expect to see your monthly premium drop every 10 years or so. Once you hit retirement age, however, you may see your rates climb back up a bit in North Myrtle Beach.

Average Car Insurance Rates by Gender

Gender Average
Male$96
Female$92

Car insurance rates for women are generally cheaper than they are for men. In North Myrtle Beach, this difference shakes out to about $4 per month. Based on the chart above, you can see that male drivers pay $96 on average, while female drivers typically pay $92 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$121
Multiple Accidents$228
1 Ticket$91
Multiple Tickets$252

Your driving record can have a huge impact on your car insurance rates. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In North Myrtle Beach, having a single accident on your record will usually get you rates around $121 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $91 on average.

When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$70
2-3 Years$60
4-5 Years$113
6-7 Years$88
8-10 Years$97
11-14 Years$93
15 Years or Older$94

The most affordable vehicles to insure in North Myrtle Beach are usually trucks and vans, which run about $75 per month.

SUV drivers will see rates of about $97 for auto insurance coverage, while car owners typically pay around $96 a month.

Vehicle age can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. 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)$108
Married$72
Divorced$70
Widowed$79

More often than not, those who have settled down into marriage will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

On a national scale, married drivers typically pay less than single drivers for auto insurance. North Myrtle Beach is no exception, with the difference totaling to around $36 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$80
Rent$96
Live with parents$95

Another factor taken into consideration is your housing situation. Renters can expect to pay around $16 a month more than drivers who own property in North Myrtle Beach. But if you live with your parents, you 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 premiums, depending on your insurance company.

Car Insurance Companies in North Myrtle Beach, SC

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when deciding when and where to shop.

The rates for car insurance in North Myrtle Beach went up from 2017-2018, before steadying out in 2019. They finished up in 2022, at $122 per month

How does North Myrtle Beach compare to neighboring areas?

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

There are many factors car insurance companies take into consideration when deciding how much to charge for a monthly rate. A few of these factors affecting your personal policy have already been mentioned, but others are based around your home address. These include things like:

  • Laws
  • Number of drivers
  • Road Safety (frequency of local car accidents)
  • Local crime rates
  • Off-street parking availability

An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. 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 North Myrtle Beach?

Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

But hold on! 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 number of the car insurance companies offering plans in North Myrtle Beach.


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North Myrtle Beach Insurance FAQs

What factors affect car insurance quotes in North Myrtle Beach?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your credit score, address, marital status and driving record.

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

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, parking situations, and crime rates when calculating your quote -- all of which can change from city to city.

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

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

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

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

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 North Myrtle Beach 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.

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