For a 40-year-old driver with a clean record, car insurance in Myrtle Beach, SC, averages about $181 a month ($2,167 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That puts it 4% under South Carolina’s $189 monthly average. GEICO has the lowest full-coverage average among the five major insurers we compared (Allstate, GEICO, Progressive, State Farm and Travelers), at about $145 a month.
Myrtle Beach costs a little less to insure than South Carolina as a whole. Our benchmark driver pays about $8 a month less here than the state average.
Our data covers five ZIP codes with a Myrtle Beach mailing address, from about $175 a month in 29572 to $185 in 29588. When you compare car insurance quotes in Myrtle Beach, SC, start with the insurer: GEICO averages about $106 a month less than Allstate here, and Myrtle Beach auto liability insurance at the 25/50/25 minimum averages about $72 a month.
Cost data comes from the auto rates insurers file with state regulators, priced across all five Myrtle Beach ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
In rates filed as of Aug. 31, 2026, car insurance for a 40-year-old driver with a clean record in Myrtle Beach, SC, costs about $181 a month ($2,167 a year) for full coverage and $72 a month for liability-only coverage at South Carolina’s 25/50/25 minimum. The South Carolina average is $189 a month, so that figure is 4% lower.
GEICO has the lowest full-coverage average among the five insurers in our Myrtle Beach rate data. The seven published 2026 statewide South Carolina rate studies we reviewed disagree on the cheapest insurer for full coverage, apart from USAA, which sells only to military families: three put American National first, two Auto-Owners and two put other insurers first. For liability-only coverage at 25/50/25 limits, GEICO has the lowest average among these five insurers, at about $55 a month, with Progressive close behind at $60.
Full-coverage averages by insurer in Myrtle Beach
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 25/50/25 (Yearly): | Minimum Liability 25/50/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| GEICO | $657 | $55 | $1,744 | $145 |
| Progressive | $720 | $60 | $1,859 | $155 |
| Travelers | $899 | $75 | $1,952 | $163 |
| State Farm | $1,039 | $87 | $2,267 | $189 |
| Allstate | $1,018 | $85 | $3,014 | $251 |
| American National* | $422 | $35 | $922 | $77 |
| USAA (military families)* | $453 | $38 | $1,326 | $111 |
| Auto-Owners* | $652 | $54 | $1,430 | $119 |
| South Carolina Farm Bureau* | $656 | $55 | $1,539 | $128 |
| Myrtle Beach average | $867 | $72 | $2,167 | $181 |
This table uses Myrtle Beach ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare free car insurance quotes before you buy.
Across the five Myrtle Beach ZIP codes we price, full coverage for our driver ranges from about $175 a month in 29572 to $185 in 29588, a gap of $118 a year.
Lowest-priced Myrtle Beach ZIP codes
Highest-priced Myrtle Beach ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Myrtle Beach’s average.
| ZIP Code: | Minimum Liability 25/50/25 (Yearly): | Minimum Liability 25/50/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 29572 | $833 | $69 | $2,104 | $175 | -3% |
| 29575 | $865 | $72 | $2,160 | $180 | -1% |
| 29577 | $870 | $73 | $2,179 | $182 | +1% |
| 29579 | $871 | $73 | $2,171 | $181 | About average |
| 29588 | $894 | $75 | $2,222 | $185 | +2% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $196 a year on average in our Myrtle Beach data, with the same $500 deductibles. That’s about $16 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
Not for our benchmark driver. Comparing the same insurers in the same Myrtle Beach ZIP codes, full coverage averaged $2,253 a year nine months earlier and $2,167 in rates as of Aug. 31, 2026, a 3.8% drop. State Farm cut its Myrtle Beach average 15.9%, while Allstate’s, GEICO’s, Progressive’s and Travelers’ averages were unchanged. Liability-only coverage at 25/50/25 limits fell 2.4%, led by State Farm, which cut its liability-only average 9.3%.
Horry County averages $2,263 a year for full coverage in our data, right at the state average. Prices rise inland: Conway averages about $196 a month, Loris $203 and Aynor $202, while North Myrtle Beach averages $176 and Murrells Inlet $181.
GEICO’s Myrtle Beach average, about $145 a month, ties Greenville for its lowest of the 11 South Carolina cities we publish a guide for, and it’s 6% below Progressive’s. Prices differ from one part of South Carolina to another because insurers price by rating territories, which the state Department of Insurance approves.
More South Carolina cities and towns are in the South Carolina rates by city table, and you can compare states on our car insurance rates by state page.
Florence, about 61 miles northwest, averages $199 a month, and Charleston, about 87 miles southwest, $208. Sumter, about 85 miles west, averages $198. For the statewide picture, see our guide to South Carolina car insurance rates.
Drivers in Myrtle Beach follow South Carolina’s rules. Every policy must include at least:
Insurers must also offer underinsured motorist coverage, which is optional, according to the South Carolina Department of Insurance. South Carolina is an at-fault state and doesn’t require personal injury protection. Our South Carolina requirements guide covers the details and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from South Carolina law and the South Carolina Department of Insurance. We refresh these figures when new rate data is released.
Car insurance in Myrtle Beach, SC, costs about $181 a month ($2,167 a year) for full coverage and $72 a month for liability-only coverage at South Carolina’s 25/50/25 minimum, for a 40-year-old driver with a clean record, in rates filed as of Aug. 31, 2026. That’s 4% below the South Carolina average of $189 a month.
GEICO has the lowest full-coverage average among the five major insurers we compared in Myrtle Beach, at about $145 a month, with Progressive close behind at $155. American National*, which we price from published rate studies, comes in lower, at about $77 a month. For liability-only coverage, GEICO has the lowest average among the five major insurers we compared, at about $55 a month. Rates vary by driver, so compare quotes for your own car and ZIP code.
Yes, for our benchmark driver. Myrtle Beach full coverage averages about $181 a month and Conway about $196, a difference of about $15 a month for the same driver and car.
In our data, 29572 has the lowest full-coverage average in Myrtle Beach, at about $175 a month, and 29588 the highest, at about $185. The ZIP code table on this page lists all five.
In our Myrtle Beach data, full coverage (100/300/100 with $500 deductibles) averages about $181 a month and liability-only coverage at 25/50/25 limits about $72, a difference of about $109 a month ($1,300 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. South Carolina law doesn’t require full coverage, but a lender or leasing company may.
Drivers in Myrtle Beach must carry South Carolina’s minimums: $25,000 per person and $50,000 per crash in bodily injury liability, $25,000 in property damage liability (25/50/25) and uninsured motorist coverage at the same limits. Insurers must also offer underinsured motorist coverage, which is optional, and South Carolina doesn’t require personal injury protection.
Not for our benchmark driver. Comparing the same insurers and ZIP codes, Myrtle Beach full coverage fell 3.8% over the past nine months, from about $2,253 to $2,167 a year. State Farm cut its Myrtle Beach average 15.9%, and the other four insurers’ averages were unchanged. Liability-only coverage at 25/50/25 limits fell 2.4%.
For our benchmark driver, full coverage in Myrtle Beach averages about $181 a month. Nearby, Florence averages about $199, Mount Pleasant about $189 and Sumter about $198. Myrtle Beach is the least expensive of these; prices depend mostly on ZIP code, so compare quotes for your own address.
