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Auto and Car Insurance Companies Near Myrtle Beach

Affordable Auto & Car Insurance near Myrtle Beach, SC

Call (843) 808-0291

Looking for an auto insurance agent in and near Myrtle Beach? You've come to the right place! We offer affordable auto and vehicle insurance policies with great value, options and tailored to your budget; our customers come from all over Horry county and throughout South Carolina.

Why do you need Car or Auto Insurance?

If you own a vehicle in this state, it's mandatory to have insurance. By obtaining auto insurance, you can safeguard your vehicle, minimize your liability exposure, and ensure that you meet all of South Carolina's insurance requirements, as well as those established by your auto loan provider. Myrtle Beach area drivers chose Coastal Insurance Group for all of their vehicle insurance needs, contact us today.

Call (843) 808-0291

Is South Carolina an “At-Fault State”?

Yes, South Carolina is an “at-fault state”, meaning the driver found responsible for the accident is responsible for covering the medical and related expenses of the driver who was not at fault, and those of the other vehicle’s passengers as well.


South Carolina Car Insurance Minimum Requirements

South Carolina law requires drivers maintain minimum liability limits of at least:

  • $25,000 for bodily injury per person 

  • $50,000 total for bodily injury per accident 

  • And $25,000 for property damage


Keep in mind minimum Liability Car Insurance benefits can be easily exhausted in a serious accident, at which point, the at-fault driver is responsible for payment on the balance out of pocket. Additionally, liability insurance will not cover the insured’s medical or property damage expenses.

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How Much Liability Car Insurance Do I Need?

Coastal Insurance Group recommends Myrtle Beach and South Carolina drivers carry:

  • $100,000 for bodily injury per person 

  • $300,000 total for bodily injury per accident 

  • And $100,000 for property damage

Call (843) 808-0291

Car Insurance Agent in Myrtle Beach, South Carolina.

Is Underinsured or Uninsured Motorist Coverage required in Myrtle Beach SC?

South Carolina requires drivers carry Uninsured Motorist Coverage, it does not however mandate Underinsured Motorist coverage. It's worth noting that uninsured motorist insurance can help pay for damages, losses, and injuries you may incur if you are involved in an accident caused by a driver who does not have insurance or has minimum insurance coverage. 


Why risk paying for injuries and damages yourself, when these expenses are not covered by the other driver’s basic or lack of insurance? Litigation for their reimbursement takes time, so it is best to have an uninsured / underinsured policy cover these right away.

Do I need Collision and Comprehensive Car Insurance to drive in SC?

Although collision and comprehensive insurance coverages are not mandatory in South Carolina, it is recommended your auto insurance policy carry these to cover expenses not covered by your vehicle’s basic liability policy. In addition, individuals who finance or lease their vehicles will most likely be required to maintain these by their loan lenders.

What is Collision Coverage?

Collision coverage will cover your expenses after an accident, including the costs of repairs and rental cars.

What is Comprehensive Coverage?

Comprehensive coverage provides coverage beyond just collisions; it also includes protection against theft, vandalism, windshield damage, and fire damage.

Should I purchase Basic Liability or Full Coverage Auto Insurance for my car / vehicle?

While no one anticipates getting into an accident when they get behind the wheel, the unfortunate reality is that car crashes occur frequently, and especially in densely populated metropolitan areas such as Myrtle Beach, North Myrtle Beach, and Conway. Having the proper and required basic liability insurance is a good start but additional coverage options will give you the peace of mind you need. 


Call the Coastal Insurance Group agency today at (843) 808-0291, our agents can help you  insure your car / vehicle at an affordable price; we serve drivers in and near Myrtle Beach, and throughout South Carolina.

Call (843) 808-0291

Compare Car Insurance Quotes Near Myrtle Beach, SC

This is the most effective way to save money and find affordable auto insurance near Myrtle Beach, SC. Insurance companies do not treat violations equally when it comes to rating or charges. There is significant variation between companies, so the best way to ensure you receive the best and most affordable insurance rates in Myrtle Beach is by comparing auto insurance quotes toward the end of each policy period.

Affordable car insurance companies for Vehicles near Myrtle Beach, SC

The best car insurance company for vehicles can vary significantly based on different factors. Auto insurance providers utilize unique algorithms to determine rates, resulting in varying premium quotes based on individual risk factors and the specific vehicle type  being insured: Gas, Electric, or Hybrid.

Ask a Car Insurance Agent near Myrtle Beach: How Much is Electric Car Insurance in SC?

Insurance costs for popular electric cars vary significantly, with an average annual range of $2,000 to $4,500. Currently, the cheapest EVs to insure are: Honda CR-V, Ford Escape, Hyundai Kona, Toyota Venza, and Jeep Wrangler.

Gas vs. Electric Car Insurance. Which is more affordable for drivers in Myrtle Beach, SC

As mentioned earlier, the EV models with the most affordable auto insurance rates for Myrtle Beach drivers are: the Honda CR-V, Ford Escape, Hyundai Kona, Toyota Venza, and Jeep Wrangler. And, while these carry the most affordable insurance rates for EVs, they are also more expensive when compared to gas engine cars, about 20% more in general; this is partly due to EVs being more expensive to replace or repair.

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5 Tips from the best of Myrtle Beach's Car Insurance Companies to save on Automobile Insurance

Car insurance protects you financially when you drive. It's important to ensure that you're getting the best deal possible for your policy, whether you just have basic liability insurance or you have full auto coverage. Here are 15 strategies for saving on car insurance costs.

How to Save on your South Carolina Car Insurance

At the Coastal Insurance Group we pride ourselves on being one of the top insurance companies in the Myrtle Beach metropolitan area and throughout South Carolina's Horry County. Our agents are local and have put together the following recommendations below, to save our neighbors on their car insurance premiums.

1. Take Advantage of Insurance Companies’ Multi-car Discounts

Bundle, bundle, bundle. Insurance companies often offer discounted bulk rates when you insure several vehicles with the same company. Also, some companies offer auto insurance discounts if you maintain other policies with them (homeowners insurance, renters insurance, and others).

2. Score Lower Rates with Myrtle Beach’s Auto Insurance Companies by Taking a Defensive Driving Course

It is no secret Insurance companies in Myrtle Beach and throughout South Carolina can provide discounts to drivers who have completed an approved defensive driving course, you can even use this course’s completion to reduce the number of points on your license, if any. Unfortunately this is often overlooked by drivers. Make sure to ask our Insurance Company’s agents for discount opportunities and defensive training courses in the area.

3. Car Insurance Companies appreciate Anti-theft Devices Use.

Let your car insurance agent know of any installed, or soon to be, anti-theft devices in your vehicle; ask our automobile insurance agents, they can help you pick a recommended device. This is especially true for car insurance companies in Myrtle Beach and other high density cities.

4. South Carolina Car Insurance Companies love it when you Pay Attention to the Road.

With today’s connected world you can now take advantage of safe driver devices, these can keep track of your driving patterns and relay these to your insurer, and in return these insurance companies can reward you with lower monthly rates. You can also look at your overall driving record and leverage it to your advantage; several Myrtle Beach auto insurance companies, and throughout South Carolina, offer these discounts. Our friendly car insurance agents will be happy to recommend devices, and can also look at your driving history to find you discounts.

5. Myrtle Beach vs Surfside Beach: For Automobile Insurance Companies Location Matters.

Thinking of moving, or have already moved to a new town? Check your vehicle’s insurance rates for your new place of residence, or soon to be, you might find your rates are lower at this location, or potentially higher, too. Car Insurance Companies in Myrtle Beach, and throughout South Carolina factor this in, and so should you. Call our car insurance agents, they will be happy to provide you with a car insurance quote for your desired South Carolina location.

Bonus Tip: Review Your Car Insurance Coverage, or Downsize Your Vehicle.

Have you looked at your car insurance rates and coverage lately? Is your vehicle now past its prime? Drivers should review and assess if they need the same amount of coverage as they once did when their vehicle was brand new, adjusting your coverage based on your vehicle’s age can lead to savings. In a similar fashion, if you are considering a premium or sports vehicle type, you might want to rethink your purchase, as these can be expensive to insure. Auto Insurance Companies favor smaller every-day-use vehicle types, you might even score savings by turning to alternative fueled vehicles, hybrids, or electric types. Ask our car insurance agents to quote different vehicles, you’ll be glad you did.

The best car insurance agents for your: Affordable auto insurance near Myrtle Beach search.

Our car insurance agents will research the best car insurance company with the most affordable auto insurance rates for your vehicle. Our five-star ratings reflect our commitment to quality, customer service, value and coverage. At the Coastal Insurance Group, our auto insurance agents will go the extra mile to provide you with the affordable car insurance quotes in and near Myrtle Beach, SC. Call today and secure the best car insurance rates near you!

Coastal Insurance Group also offers policies for boats and watercraft, motorcycles, and RVs.

Contact us today and rest assured your vehicle will be protected.

Coastal Insurance Group - Homeowners & Condo Insurance in and near Myrtle Beach and Conway, SC

Coastal Insurance Group, LLC


1045 London Street, Suite 201, Myrtle Beach, SC 29577

Tel:  843-808-0291


For any general inquiries, please click and fill in the contact form below:


Services Offered
Auto and Car Insurance, Home Insurance, Renters Insurance, Condo Insurance
Boat Insurance, RV Insurance, Small Business Insurance, and Life Insurance. 


Serving Myrtle Beach, Conway, Horry County, Georgetown County, and the South Carolina coast.

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