Expertise.com

2024

Last updated:

Best Local Car Insurance Agencies in Charleston

Our Recommended Top 9

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 Charleston 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.

72Reviewed

46Curated

9Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
5107 North Rhett Avenue, North Charleston, SC 29405
  • Motorcyle & ATV

Why choose this provider?

Abri Insurance represents more than 20 insurance carriers in order to deliver personal and commercial auto insurance solutions for clients in Charleston and its neighboring areas. Insurance coverages for motorcycles, RVs, golf carts, and boats are also available. Business owner Angela Herndon started her career as a captive agent in Mount Pleasant then decided to start her own independent insurance agency in 2014 in order to provide more options for her clients.

License Verified:

License: 1910696368

South Carolina Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (18)
Facebook
5.0 / 5 (9)
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
2.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
2000 Sam Rittenberg Boulevard, Charleston, SC 29407
  • Multiple Carriers

Why choose this provider?

Harrell Insurance Agency, a family-owned business, has been delivering insurance services in the Charleston area since 1963. Its team of insurance professionals handles policies for businesses, homeowners, renters, and car owners. The agency also represents multiple insurance companies to find the right policy coverage to suit the clients' requirements. To further assist its clients, customer service is also available 24/7. Harrell Insurance Agency has been recognized as the "Best Insurance Agency" in the metro by the Charleston Post and Courier Newspaper awards.

License Verified:

License: 1910601444

South Carolina Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (201)
Facebook
5.0 / 5 (13)
Yelp
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
670 Marina Drive, Charleston, SC 29492
  • RV & Motorhome
  • Boats
  • Motorcyle & ATV

Why choose this provider?

Turbeville Insurance Agency is a locally-owned and independent agency that provides car insurance services to individuals and commercial clients in Charleston and the nearby areas. Established in 1991, the company has been working with over 70 insurance carriers that help them to create coverages that are suited to the clients' needs and budget, including liability coverage and no-fault coverage. Turbeville Insurance Agency was recognized as the Top 100 Privately Owned Businesses in South Carolina for the past three consecutive years.

License Verified:

License: 1903325640

South Carolina Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (14)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1819 Meeting Street, Charleston, SC 29405
  • Multiple Carriers

Why choose this provider?

KSA Insurance is a Charleston-based agency that provides a wide range of products, including auto insurance. Its team furnishes car insurance plans that may include comprehensive coverage, which compensates for damages resulting from theft, collision, and loss of use. Additional optional coverages include glass replacement insurance and uninsured driver insurance. The agents have access to policies from multiple carriers, which allows them to find suitable coverage types for clients. KSA Insurance is a fully digital and paperless company.

License Verified:

License: 1907970522

South Carolina Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (288)
Yelp
3.5 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1156 Bowman Road, Mount Pleasant, SC 29464
  • Multiple Carriers

Why choose this provider?

Carolina Heritage Insurance is a local and independent agency offering car insurance products and services. It works with over 50 insurance carriers to provide comprehensive insurance plans to individuals, families, and businesses in Charleston and the nearby areas. Its auto insurance protects policyholders from covered legal liabilities and financial losses that are associated with events such as theft and accidents. Its agents strive to provide excellent customer and insurance services each day. Carolina Heritage Insurance also offers business insurance.

License Verified:

License: 1907871039

South Carolina Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
5.0 / 5 (48)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3955 Rivers Avenue, North Charleston, SC 29405
  • Motorcyle & ATV

Why choose this provider?

Rowell Insurance Agency is an insurance agency in Charleston that offers insurance policies for personal and business requirements. The company provides auto insurance policies that cover liabilities and damages from accidents, natural disasters, and collisions. The policies can also be bundled with new or existing health insurance plans to cover medical expenses after an accident. Rowell Insurance Agency has over 50 years of industry experience. It is also an expert in insuring motorcycles, RVs, and trucks.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Google
4.4 / 5 (41)
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
113 Wappoo Creek Drive, Charleston, SC 29412
  • Multiple Carriers

Why choose this provider?

Sweetgrass Insurance Agency is a local independent agency that serves the Greater Charleston area. It offers auto insurance policies that protect cars, trucks, vans, or other vehicles from financial loss that may be incurred because of accidents, theft, or other covered events. Also available are coverages for motorcycles, ATVs, motorsports, classic cars, RVs, and boats and watercraft. Sweetgrass Insurance Agency specializes in insuring coastal properties and can bundle car policies with other insurance products to provide clients more value.

License Verified:

License: 3000440288

South Carolina Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (3)

Website
902 Savannah Highway, Charleston, SC 29407
  • Bundling Option

Why choose this provider?

Alliance Insurance Services is a locally owned independent agency based in Charleston representing various carriers in providing auto insurance products to individuals and businesses. Its team of insurance specialists provides insurance plans tailored to the clients' needs and ensures that their claims are settled quickly. The company's auto insurance policies protect the clients against financial losses that are associated with events such as accidents, fire, and theft. It also accommodates clients who need assistance with their homeowners', renters', and condominium insurance.

License Verified:

License: 1903788894

South Carolina Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
520 Folly Road, Charleston, SC 29412
  • Bundling Option

Why choose this provider?

Dunes Insurance is a local and independent insurance agency that addresses the insurance needs of vehicle owners in Charleston and the surrounding communities. Its agents have the experience to help drivers secure policies that will cover them in the event of an automotive emergency. The owners of Dunes Insurance, Trey McMillan and Matt Turbeville, are childhood friends who decided to open their own insurance firm in 2010. The company also offers home, secondary home, and boat insurance.

License Verified:

License: 1908059411

South Carolina Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (31)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

FAQs

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • What are the minimum coverage requirements for auto insurance in Charleston?

    Charleston's mandatory minimum auto insurance comprises two essential components. The first is Bodily Injury Liability coverage, which covers costs related to injury or death in car accidents. The second is Property Damage Liability coverage, which reimburses damage resulting from accidents. Motorists who finance their cars must adhere to these requirements and any additional stipulations set by auto lenders.

  • What should you ask your car insurance agents before applying for a car insurance policy in Charleston?

    When applying for a car insurance policy in Charleston, you must ask your insurance agent key questions. Begin by assessing the affordability of potential accidents and discussing deductible options to align coverage with your financial situation. Inquire about the insurer's track record of promptly settling claims and the quality of their customer service. Explore discounts, such as those for good drivers or bundled policies, to maximize savings. Lastly, ensure a clear understanding of the claims filing and settlement process.

  • Is there coverage for earthquake-related car damage in Charleston?

    Yes, you can receive compensation for earthquake-related car damage in Charleston. However, it depends on the policies included in your coverage. This is only applicable if the insurance policy comprises specific peril insurance. In addition, comprehensive auto insurance includes perils aside from the legally mandated minimum liability coverage.

  • What happens to a totaled car after filing an auto insurance claim in Charleston?

    When a car is declared totaled after filing an auto insurance claim in Charleston, it signifies that the cost of repairing the vehicle exceeds its replacement value. In most cases, the car owner retains ownership and has several options. Car owners can sell it to their insurance provider, get a salvage certificate if they plan to keep it or sell it to a salvager, either a dealership specializing in salvage vehicles or a private buyer willing to tow it away.

  • What are the events that are covered by comprehensive car insurance in Charleston?

    Comprehensive coverage in Charleston includes protection against several events, such as floods, hurricanes, theft, wind damage, windshield damage, and fire. This coverage goes beyond basic liability insurance and provides financial security for various non-collision-related incidents that could cause damage or loss to your vehicle, offering peace of mind in diverse weather and security scenarios.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.