Expertise.com Homepage

2025

Last updated:

Best Local Car Insurance Agencies in South Carolina

Our Recommended Top 16

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored South Carolina local car insurance agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

3004Reviewed

1808Curated

16Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Local Car Insurance Agencies Serving South Carolina
North Charleston

Expertise.com Rating

Review Sources

Google
4.5 (8)
Facebook
5.0 (6)

Why choose this provider?

Angel Insurance Agency LLC is a family-owned company that has been serving individuals and businesses throughout South Carolina since 2004. It offers auto insurance policies that protect car owners from financial losses caused by accidents. It also provides property coverage for theft or damage, liability coverage for bodily injuries, and medical coverage for injuries or death. In addition, its team educates policyholders on the different benefits and assists in selecting the best plans that fit their needs from various insurance carriers, including Assurance America, Progressive, and National General.

Best Local Car Insurance Agencies Serving South Carolina
North Charleston

Expertise.com Rating

Review Sources

Facebook
4.9 (44)
Google
5.0 (31)

Why choose this provider?

Ai Insurance Services is a veteran-owned and operated independent agency serving South Carolina. It partners with different insurance carriers to provide the best personal and commercial auto insurance policies, including Johnson & Johnson, Seacoast Brokers, and Burns & Wilcox. Its team of professionals also assists clients in crafting an insurance plan for motorcycles, ATVs, and golf carts. CEO Graylan Wills is a real estate broker who served in the US Air Force before pursuing a career in the insurance industry.

Best Local Car Insurance Agencies Serving South Carolina
Rock Hill

Expertise.com Rating

Review Sources

Google
4.9 (91)

Why choose this provider?

Founded in 2014, InSure Insurance is a family-owned business that serves individuals, families, and businesses in South Carolina. It helps car owners protect themselves financially in case of an accident through an auto insurance policy that provides liability, property, and medical coverage. The company also offers homeowners', life, health, business, and Medicare insurance plans. As an independent agency, InSure Insurance partners with more than 30 insurance carriers to find the best policies that meet its customers' needs.

Best Local Car Insurance Agencies Serving South Carolina
Stallings

Expertise.com Rating

Review Sources

Google
4.9 (80)
Facebook
5.0 (17)
Yelp
5.0 (1)

Why choose this provider?

Marshall Insurance helps South Carolina residents apply for auto insurance. This policy protects automobile owners against the financial burden of repair or liability fees in the event of a vehicle collision or accident. The company also provides other insurance products for mobile homes, motorcycles, personal watercraft, boats, and collector cars. The agency�s founder, Gary Sides, holds an associate in risk management and Certified Insurance Counselor designations. This professional has been in the industry since 1986.

Best Local Car Insurance Agencies Serving South Carolina
Camden

Expertise.com Rating

Review Sources

Facebook
5.0 (17)
Google
4.9 (11)

Why choose this provider?

Upchurch & Jowers Insurance Agency is a full-service company that serves South Carolina communities. Since 1961, it has been helping individuals and businesses in protecting their assets and choosing from a wide selection of personal and commercial car insurance coverage options. Its team of independent agents shops across multiple providers to provide customizable solutions, including CRC Group, Accident Fund, and Main Street America. In addition, the agency offers homeowners', general liability, and workers' compensation insurance policies.

Best Local Car Insurance Agencies Serving South Carolina
Fort Mill

Expertise.com Rating

Why choose this provider?

For over 50 years, Springs Insurance - Fort Mill has been providing financial services to clients in South Carolina. It designs custom auto insurance policies and assists car owners in comparing different types of coverages, including damage to their own vehicles and liability to other drivers. The agency also sets up comprehensive auto insurance plans to manage theft or natural disaster-related damages. It offers other insurance products, including life and home policies. The agency is a York County Regional Chamber of Commerce member.

Best Local Car Insurance Agencies Serving South Carolina
Columbia

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Bradley Insurance is a company that has been serving individuals and businesses in South Carolina since 2007. It offers auto insurance policies and assists clients in analyzing and choosing the best coverage for them, reviewing existing policies, and reporting a claim. It provides other personal protection plans, such as homeowners', vacation home, boat, and umbrella insurance. In addition, it handles commercial products, including premises liability, property, and general liability insurance. The company's founder, Brad Bradley, brings over 15 years of industry experience.

Best Local Car Insurance Agencies Serving South Carolina
Columbia

Expertise.com Rating

Why choose this provider?

Perry Insurance Group offers customizable personal and commercial insurance products throughout South Carolina. Its car insurance plans protect policyholders from financial losses, including liability coverage in accidents, protection from unexpected natural occurrences, and coverage for loan or lease requirements. In addition, it provides other policies, such as fleet and recreational vehicle insurance. Perry Insurance Group has been addressing insurance needs since 1993 and works with various carriers such as State Auto, Safeco Insurance, Progressive, and Travelers.

Best Local Car Insurance Agencies Serving South Carolina
Columbia

Expertise.com Rating

Review Sources

Google
4.5 (40)
Facebook
5.0 (6)

Why choose this provider?

Craig Plank is an insurance agent who serves customers in South Carolina. He has been working for State Farm for more than 29 years, helping clients protect their families and assets. His products include auto, home, health, life, and business insurance, in addition to annuities and banking services. His cheap auto insurance options include rental, rideshare, comprehensive, and collision coverage. This policy also covers sports and antique cars. Plank is a member of the Columbia Chamber of Commerce. He is also an Ambassador Travel qualifier.

Best Local Car Insurance Agencies Serving South Carolina
Charleston

Expertise.com Rating

Why choose this provider?

Individuals, families, organizations, and employers throughout South Carolina work with C.T. Lowndes & Company Insurance Agency - Charleston. Its team has been providing insurance advice and solutions to clients, including car owners looking for protection against unforeseen road events, since 1850. It provides customized auto insurance that covers liability, collision, comprehensive, and uninsured and underinsured motorist coverage. In addition, the firm serves high-net-worth families with specialized insurance needs such as luxury houses, collector vehicles, overseas travel, and identity theft.

Best Local Car Insurance Agencies Serving South Carolina
Charlotte

Expertise.com Rating

Review Sources

Facebook
5.0 (42)
Google
5.0 (8)

Why choose this provider?

CoSaint Insurance - Charlotte is a family-owned independent agency serving South Carolina. It helps individuals in customizing an auto insurance policy which can typically cover property damage that the policyholder caused to others. The options can also include rental reimbursement, installation of custom audio equipment, and towing or roadside assistance. Insurance plans are available for companies that operate their own vehicles or fleets for business operations. The agency's owner, Jenny Buzek, has extensive experience in being a trainer, claims adjuster, and marketing specialist within the insurance industry.

Best Local Car Insurance Agencies Serving South Carolina
Charleston

Expertise.com Rating

Review Sources

Google
4.9 (201)
Facebook
5.0 (13)
Yelp
5.0 (3)

Why choose this provider?

Harrell Insurance Agency is an independent, family-owned company that offers the best coverage options to car owners in South Carolina. These policies provide liability, medical, and property coverage. Life, renters', homeowners', watercraft insurance products are also available. In addition, it also handles business owner policies and workers' compensation. Harrell Insurance Agency has been tailoring insurance plans for individuals and businesses, as well as offering 24/7 services, since 1963. It currently writes policies with over 100 companies, including Nationwide, The Hartford, Liberty Mutual, and Allstate.

Best Local Car Insurance Agencies Serving South Carolina
Charleston

Expertise.com Rating

Review Sources

Google
5.0 (417)
Facebook
5.0 (127)

Why choose this provider?

KSA Insurance serves individuals throughout South Carolina. The company helps clients protect their vehicles with its car insurance policy, which includes liability and comprehensive coverage. Optional car insurance options include glass replacement, car theft, collision, and uninsured driver insurance. Its team of insurance specialists also helps clients compare coverages and negotiates with carriers on behalf of them. In addition, this independent agency offers RV, life, condo, personal flood, personal umbrella, and homeowners� insurance plans.

Best Local Car Insurance Agencies Serving South Carolina
Waxhaw

Expertise.com Rating

Review Sources

Facebook
4.9 (36)
Google
4.9 (35)

Why choose this provider?

Top Flite Insurance Agency is an independent hat provides customizable policies for individuals and businesses in South Carolina. Its car insurance plans protect policyholders from financial responsibility for injuring other parties and offer coverage for the vehicle against theft, fire, and accidents. It assists clients in comparing options and selecting the best coverage from multiple insurance carriers, such as Erie Insurance, Hagerty, and Foremost. The company is a member of the Union County Chamber of Commerce and the Union County's Women in Business.

Best Local Car Insurance Agencies Serving South Carolina
Charleston

Expertise.com Rating

Review Sources

Google
4.7 (31)
Facebook
5.0 (1)
Yelp
1.0 (1)

Why choose this provider?

Mary Joseph is a Chartered Life Underwriter and Chartered Financial Consultant who runs a State Farm agency in South Carolina. She assists people in dealing with life's unexpected events and managing their finances. One of the insurance products that she offers is coverage plans for personal vehicles. The car insurance policies include collision, comprehensive, rental, and rideshare coverages. In addition, policyholders are eligible for roadside assistance 24 hours a day. Joseph's office also provides protection plans for rental autos and sports cars.

Best Local Car Insurance Agencies Serving South Carolina
Columbia

Expertise.com Rating

Review Sources

Google
4.6 (123)
Facebook
3.7 (3)

Why choose this provider?

Affordable Insurance Group is an independent company that offers customizable personal and commercial products in South Carolina. It provides auto insurance plans that include various types of protection, including medical payments coverage, uninsured or underinsured protection, collision coverage, and liability insurance. It also assists policyholders in comparing offerings and benefits from multiple carriers. Affordable Insurance Group has been addressing clients' insurance needs since 1985. It works with different companies, such as Stillwater, The Hartford, National General, and American Strategic Insurance.

Compare our Top Local Car Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Angel Insurance Agency LLC
2810 Ashley Phosphate Road, North Charleston, SC 29418
Ai Insurance Services
3506 West Montague Avenue, North Charleston, SC 29418
Insure Insurance
2042 Celanese Road, Rock Hill, SC 29732
Marshall Insurance
1328 Stallings Road, Stallings, SC 28104
Upchurch & Jowers Insurance Agency
2004 West Dekalb Street, Camden, SC 29020
Springs Insurance - Fort Mill
575 Springcrest Drive, Fort Mill, SC 29715
Bradley Insurance
3111 Devine Street, Columbia, SC 29205
Perry Insurance Group
3012 Millwood Avenue, Columbia, SC 29205
Craig Plank
7401 Parklane Road, Columbia, SC 29223
C.T. Lowndes & Company Insurance Agency - Charleston
749 Saint Andrews Boulevard, Charleston, SC 29407
CoSaint Insurance - Charlotte
15720 Brixham Hill Avenue, Charlotte, SC 28277
Harrell Insurance Agency
2000 Sam Rittenberg Boulevard, Charleston, SC 29407
KSA Insurance
1819 Meeting Street, Charleston, SC 29405
Top Flite Insurance Agency
105 Waxhaw Professional Park Drive, Waxhaw, SC 28173
Mary Joseph
2011 Bees Ferry Road, Charleston, SC 29414
Affordable Insurance Group
6168 Saint Andrews Road, Columbia, SC 29212

South Carolina Car Insurance Agency FAQs

  • What is the average cost of full-coverage car insurance in South Carolina?

    The average annual cost of full-coverage car insurance in South Carolina is approximately $1,635. This rate represents a more comprehensive insurance package, which includes not only liability coverage but also comprehensive and collision coverage. It offers a broader scope of protection compared to minimum-coverage policies, which typically cost significantly less. The higher cost of full coverage reflects the added benefits and peace of mind it provides to drivers.

  • What are the penalties for driving without car insurance in South Carolina for a first offense?

    For a first offense of driving without car insurance in South Carolina, penalties include a $600 uninsured motorist fee if coverage isn't reinstated, a potential $200 fine or 30 days in jail or both, a daily fine of $5 for uninsured days, possible suspension of your license and registration until you provide proof of car insurance or SR-22, and a potential $400 reinstatement fee.

  • Are comprehensive and collision coverage mandatory in South Carolina?

    No, comprehensive and collision coverage is not legally required in South Carolina. However, some lenders may require borrowers to maintain these coverages as a condition of their auto loans. These coverages provide additional protection for your vehicle but are optional unless stipulated by your lending institution. Even if it's not required by law, it's a sensible decision to reduce any out-of-pocket costs.

  • What factors influence your car insurance costs in South Carolina?

    The type and amount of coverage you choose play a significant role, with comprehensive coverage costing more than liability-only options. Your vehicle's details, including its make, model, and year, also affect premiums, with expensive or high-performance cars typically resulting in higher costs. Your driving habits, such as how much you drive and where you park, demographics like age and gender, driving record, and even credit history, can all influence your car insurance rates in South Carolina.

  • What should you do if you suspect car insurance fraud in South Carolina?

    If you suspect any form of insurance fraud in South Carolina, you should immediately report it to the South Carolina Insurance Fraud Hotline at 1-888-953-7283. You may also complete the Insurance Fraud Complaint Form online. If you suspect insurance fraud, you don't have to reveal your identity and can report it anonymously. For additional information about insurance fraud, you can visit the DOI website to learn more about the process and resources available.