Auto Insurance in Myrtle Beach, SC

What Is Auto Insurance?

Auto insurance protects you, your vehicle, and others on the road from the financial consequences of accidents, theft, and damage. If you drive in South Carolina, you're required by law to carry minimum liability coverage. But beyond meeting legal requirements, auto insurance gives you peace of mind knowing you won't be stuck with massive bills after an accident.

Whether you're commuting to work in Myrtle Beach, driving kids to school in Conway, or heading down to Pawleys Island for the weekend, auto insurance keeps you protected every mile.

Why Myrtle Beach Drivers Need Auto Insurance

South Carolina requires all drivers to carry auto insurance before getting behind the wheel. But state minimums don't always provide enough protection — especially if you're in a serious accident or hit by an uninsured driver. A solid auto insurance policy protects your finances and your family.

• Required by South Carolina law to drive legally


• Covers liability claims if you injure someone or damage their property


• Pays for repairs or replacement if your vehicle is damaged or totaled


• Protects you from uninsured and underinsured drivers


• Covers medical expenses for you and your passengers after an accident

What Does Auto Insurance Cover?

Auto insurance policies in South Carolina combine several coverages to protect you, your car, and others on the road. Here's what a typical policy includes:

Liability Coverage: This is the foundation of your auto insurance and the coverage South Carolina requires. Liability pays for injuries and property damage you cause to others in an accident. It includes bodily injury liability (medical bills, lost wages, legal costs) and property damage liability (repairs to the other driver's car, fence, mailbox, etc.). If you cause a wreck in North Myrtle Beach and the other driver racks up $40,000 in medical bills, your liability coverage pays — not your savings account.

Collision Coverage: Pays to repair or replace your vehicle if it's damaged in an accident with another car or object, regardless of who's at fault. If you hit a guardrail on Highway 501 or get rear-ended in a Surfside Beach parking lot, collision coverage takes care of your car.

Comprehensive Coverage: Covers damage to your vehicle from events other than collisions — theft, vandalism, fire, flooding, falling trees, and hitting a deer. If a hurricane blows debris into your windshield or someone breaks into your car in a Myrtle Beach parking garage, comprehensive coverage pays for repairs.

Uninsured/Underinsured Motorist Coverage: Protects you if you're hit by a driver who has no insurance or not enough insurance to cover your damages. South Carolina has a higher-than-average rate of uninsured drivers, so this coverage is especially important for Myrtle Beach motorists.

Medical Payments Coverage: Pays for medical expenses for you and your passengers after an accident, regardless of fault. This can cover hospital bills, ambulance fees, and follow-up care.

Personal Injury Protection (PIP): Similar to medical payments but broader — PIP can also cover lost wages and other expenses if you're injured in a crash. South Carolina doesn't require PIP, but it's available as an add-on.

Optional Auto Insurance Coverages

Beyond the core coverages, you can customize your auto insurance policy with additional options to fit your needs.

Rental Reimbursement: Pays for a rental car while your vehicle is being repaired after a covered claim. If your car is in the shop for two weeks after an accident, this coverage keeps you on the road.

Roadside Assistance: Covers towing, jump-starts, flat tire changes, lockout service, and fuel delivery. If you break down on Highway 17 or get a flat near Murrells Inlet, help is just a phone call away.

Gap Insurance: If your car is totaled, gap insurance covers the difference between what you owe on your loan and what your car is actually worth. This is especially useful if you have a new car that's depreciated faster than you've paid down the loan.

New Car Replacement: If your new vehicle is totaled within the first few years, this coverage pays for a brand-new replacement rather than the depreciated value.

South Carolina Auto Insurance Requirements

South Carolina law requires all drivers to carry minimum liability coverage. The current state minimums are:

• $25,000 bodily injury liability per person


• $50,000 bodily injury liability per accident


• $25,000 property damage liability per accident

These minimums satisfy the legal requirement, but they may not be enough to fully protect you. A serious accident can easily exceed $50,000 in medical bills alone. If your liability limits aren't high enough, you could be personally responsible for the difference.

Our Myrtle Beach agents can help you determine how much coverage you actually need based on your assets, driving habits, and budget.

How Much Auto Insurance Do You Need?

The right amount of coverage depends on your situation. Here are some things to consider:

Liability Coverage: Carry enough to protect your assets. If you own a home, have savings, or have income that could be garnished in a lawsuit, you'll want liability limits higher than the state minimum. Many drivers opt for 100/300/100 coverage or add an umbrella policy for extra protection.

Collision and Comprehensive: If your car is financed or leased, your lender will require both. Even if you own your car outright, these coverages make sense if your vehicle has significant value.

Uninsured Motorist: Given the number of uninsured drivers on South Carolina roads, this coverage is a smart investment for most drivers in Myrtle Beach, Conway, Georgetown, and surrounding areas.

How Much Does Auto Insurance Cost in South Carolina?

Auto insurance rates depend on your age, driving record, vehicle type, location, credit history, and coverage levels. Drivers in Myrtle Beach and coastal areas may see slightly different rates than those in inland communities like Conway or Litchfield due to factors like traffic density and theft rates.

You can lower your premium by maintaining a clean driving record, bundling auto and home insurance, raising your deductible, or qualifying for discounts like safe driver, good student, or multi-vehicle savings.

Moore & Associates shops multiple carriers to find you the best auto insurance rate without sacrificing coverage. Because we're independent, we can compare quotes from top insurers and find the policy that fits your needs and budget.

Why Work With Moore & Associates?

As an independent insurance agency in Myrtle Beach, SC, we're not tied to a single insurance company. That means we can shop your auto insurance across multiple carriers to find you the best rate and coverage combination.

Moore & Associates has served South Carolina drivers since 1979. We know the local roads, the local risks, and what it takes to keep Myrtle Beach families protected. When you call, you reach a local agent who knows your community — not a call center in another state.

Whether you need basic liability, full coverage, or help adding a teen driver to your policy, we're here to make the process easy.

Get an Auto Insurance Quote in Myrtle Beach, South Carolina

Our auto insurance agents serve Myrtle Beach, South Carolina and surrounding areas including North Myrtle Beach, Atlantic Beach, Conway, Surfside Beach, Murrells Inlet, Litchfield, Pawleys Island, and Georgetown. Contact Moore & Associates today for a free quote.