+1

Rincon Inn is your cheapest option, I think it's $30-40 a night. Lots of places to rent boards and great surf! But, it's flat in the summer, at least until hurricane season.

Tortola (TUPJ), BVI has some great surf but I don't know about accomodations/rental cars. Also only good in the winter. Rental boards available at Josiah's bay for sure, possibly elsewhere on the island as well. Layed over for the day there, rented a board and caught some great waves with two other guys in the water.