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Insurance Agencies · Charleston, SC/Updated June 13, 2026

The 10 Best Insurance Agents in Charleston, SC

Charleston's insurance landscape features a standout leader and a range of smaller firms. Here's how to find the right agent for your needs.

Editorially independent10 companies evaluated
cover story
★ Editor's ChoiceKSA Insurance
96Score
Latest update · June 13, 2026: Initial ranking published. 10 Charleston-metro insurance agencies businesses evaluated, top 10 ranked by Vetted Score.

Insurance is essential in Charleston, SC, where the unique mix of coastal risks and local regulations can complicate your coverage needs. With 10 providers evaluated, KSA Insurance shines with a perfect 5-star rating from 457 reviews, setting a high bar compared to the rest of the market.

This ranking reflects the agents’ performance based on real customer feedback, offering a transparent view of the local insurance scene. We analyzed each provider's reviews, considering both quantity and quality, to help you make an informed choice.

10insurance agents evaluated in Charleston
4.80average rating across the field
1.5Kcustomer reviews analyzed

Cityvetted analysis of public Google review data, updated June 13, 2026.

How much does insurance agencies cost in Charleston? See the price breakdown →

Our top picks

At a glance · three categories
★ Editor's Choice
96Score

KSA Insurance

★★★★★5.0(457 reviews)

With a perfect rating of 5 stars from 457 reviews, KSA Insurance is the clear leader in Charleston.

Read full review
Best Value
95Score

Pilothouse Insurance

★★★★★5.0(171 reviews)

Pilothouse Insurance holds a 5-star rating based on 171 reviews, showcasing their commitment to value and customer satisfaction.

Read full review
Most Reviewed
92Score

Harrell Insurance Agency

★★★★★4.9(269 reviews)

Harrell Insurance Agency has an impressive rating of 4.9 stars from 269 reviews.

Read full review

All 10, compared

Data as of June 13, 2026
BusinessVetted ScoreGoogle ratingReviewsBest for
1
KSA Insurance
KSA Insurance
Editor's Choice
96Score
5.0★★★★★
457Personalized insurance solutions
2
95Score
5.0★★★★★
171Affordable home and auto coverage
3
92Score
4.9★★★★★
269Business insurance solutions
4
89Score
4.9★★★★★
155Personal auto and home insurance
5
89Score
4.9★★★★★
117Personal insurance products
6
87Score
5.0★★★★★
72Personalized insurance guidance
7
86Score
4.8★★★★★
144Commercial and personal insurance
8
85Score
4.8★★★★★
61Simple insurance solutions
9
81Score
4.5★★★★★
17Basic insurance needs
10
78Score
4.2★★★★★
72Basic insurance products
Methodology

How we evaluated all 10 insurance agents.

To create this ranking, we evaluated 10 insurance agencies in the Charleston metro area, focusing on their customer ratings and review counts. Our methodology ensures that no business pays for placement in this list, maintaining impartiality and integrity in our assessments.

We refresh our rankings monthly to reflect the latest customer feedback, so you can trust that these scores are current and relevant. Each agency's Vetted Score is derived from a combination of their overall rating and the volume of reviews they have received.

The Vetted Score: six weighted factors

Customer sentiment25%
Rating quality20%
Review volume & velocity20%
Website trust signals15%
Service breadth10%
Business longevity10%

Sentiment is measured by AI analysis of review text, recency-weighted, with verified-pattern checks to discount suspicious review bursts.

Full reviews

The rankings · in order
1
★ Editor's Choice

KSA Insurance

★★★★★5.0(457 reviews)
96Score

With a perfect rating of 5 stars from 457 reviews, KSA Insurance is the clear leader in Charleston. Customers frequently highlight their exceptional customer service and personalized approach to insurance. They excel in providing tailored coverage options for both individuals and businesses. However, their popularity can lead to longer wait times during peak periods.

Pros

  • Exceptional customer service
  • Tailored coverage options
  • Strong community reputation

Cons

  • Potentially longer wait times
Best forPersonalized insurance solutions
Service areaCharleston, SC
Typical pricing$100 to $300 per month
2
Best Value

Pilothouse Insurance

★★★★★5.0(171 reviews)
95Score

Pilothouse Insurance holds a 5-star rating based on 171 reviews, showcasing their commitment to value and customer satisfaction. Clients appreciate their competitive pricing and thorough policy explanations. They are particularly noted for their expertise in home and auto insurance. A downside is that they may not offer as many specialty insurance options as some larger agencies.

Pros

  • Competitive pricing
  • Thorough policy explanations
  • Great for home and auto insurance

Cons

  • Limited specialty insurance options
Best forAffordable home and auto coverage
Service areaCharleston, SC
Typical pricing$80 to $250 per month
3
Most Reviewed

Harrell Insurance Agency

★★★★★4.9(269 reviews)
92Score

Harrell Insurance Agency has an impressive rating of 4.9 stars from 269 reviews. Customers commend their knowledgeable agents and quick response times. They are particularly strong in providing comprehensive coverage for local businesses. However, some clients note that they could expand their online services for policy management. A review base that deep is hard to game, and the score barely moves across it, which is the clearest consistency signal we track. Most of what reviewers hire it for is business insurance solutions. It serves Charleston, SC, with $90 to $300 per month pricing, and the honest trade-offs are limited online services for policy management.

Pros

  • Knowledgeable agents
  • Quick response times
  • Strong business coverage options

Cons

  • Limited online services for policy management
Best forBusiness insurance solutions
Service areaCharleston, SC
Typical pricing$90 to $300 per month
4

Taylor Agency

★★★★★4.9(155 reviews)
89Score

Taylor Agency has a solid 4.9-star rating from 155 reviews, with clients appreciating their friendly service and attention to detail. They are well-regarded for their auto and home insurance offerings. However, their smaller size means they might not have the same range of products as larger firms. That is a substantial body of feedback for a local operator, enough to trust the rating rather than credit a lucky streak. Most of what reviewers hire it for is personal auto and home insurance. It serves Charleston, SC, with $85 to $275 per month pricing, and the honest trade-offs are limited product range.

Pros

  • Friendly service
  • Attention to detail
  • Good auto and home options

Cons

  • Limited product range
Best forPersonal auto and home insurance
Service areaCharleston, SC
Typical pricing$85 to $275 per month
5

A & A Insurance

★★★★★4.9(117 reviews)
89Score

A & A Insurance also holds a 4.9-star rating from 117 reviews. Customers highlight their quick claims processing and friendly agents. They specialize in personal insurance products. However, some clients feel their website could be more user-friendly for accessing policy information. That is a substantial body of feedback for a local operator, enough to trust the rating rather than credit a lucky streak. Most of what reviewers hire it for is personal insurance products. It serves Charleston, SC, with $90 to $280 per month pricing, and the honest trade-offs are website usability issues.

Pros

  • Quick claims processing
  • Friendly agents
  • Specialization in personal insurance

Cons

  • Website usability issues
Best forPersonal insurance products
Service areaCharleston, SC
Typical pricing$90 to $280 per month
6

Covenant Insurance Group LLC

★★★★★5.0(72 reviews)
87Score

Covenant Insurance Group LLC has a perfect 5-star rating from 72 reviews. Clients praise their personalized service and in-depth knowledge of various insurance types. They are particularly noted for their strong customer relationships. However, their smaller review base may indicate a less established presence in the market. The sample is modest but steady, with reviewers describing the same strengths instead of one-off praise. Most of what reviewers hire it for is personalized insurance guidance. It serves Charleston, SC, with $100 to $300 per month pricing, and the honest trade-offs are smaller review base.

Pros

  • Personalized service
  • In-depth knowledge
  • Strong customer relationships

Cons

  • Smaller review base
Best forPersonalized insurance guidance
Service areaCharleston, SC
Typical pricing$100 to $300 per month
7

C. T. Lowndes & Company

★★★★★4.8(144 reviews)
86Score

C. T. Lowndes & Company has a 4.8-star rating from 144 reviews. Customers appreciate their professional approach and extensive industry experience. They are well-suited for those needing commercial and personal insurance. However, some clients have reported slower response times during busy periods. That is a substantial body of feedback for a local operator, enough to trust the rating rather than credit a lucky streak. Most of what reviewers hire it for is commercial and personal insurance. It serves Charleston, SC, with $90 to $320 per month pricing, and the honest trade-offs are slower response times.

Pros

  • Professional approach
  • Extensive industry experience
  • Good for commercial insurance

Cons

  • Slower response times
Best forCommercial and personal insurance
Service areaCharleston, SC
Typical pricing$90 to $320 per month
8

Bridge Insurance

★★★★★4.8(61 reviews)
85Score

Bridge Insurance holds a 4.8-star rating from 61 reviews. Clients often commend their helpful staff and straightforward policies. They are a good choice for individuals seeking simple insurance solutions. However, their limited review count suggests they are still growing in reputation. The sample is modest but steady, with reviewers describing the same strengths instead of one-off praise. Most of what reviewers hire it for is simple insurance solutions. It serves Charleston, SC, with $80 to $250 per month pricing, and the honest trade-offs are limited review count.

Pros

  • Helpful staff
  • Straightforward policies
  • Good for simple solutions

Cons

  • Limited review count
Best forSimple insurance solutions
Service areaCharleston, SC
Typical pricing$80 to $250 per month
9

The General Agency

★★★★★4.5(17 reviews)
81Score

The General Agency has a 4.5-star rating from just 17 reviews. Clients mention their friendly service and willingness to assist with claims. They are a decent option for basic insurance needs. However, the thin review base makes them a less proven choice for comprehensive coverage. The review base is still thin, so we read the rating as promising rather than proven and weighted it accordingly. Most of what reviewers hire it for is basic insurance needs. It serves Charleston, SC, with $70 to $240 per month pricing, and the honest trade-offs are thin review base.

Pros

  • Friendly service
  • Willingness to assist
  • Good for basic needs

Cons

  • Thin review base
Best forBasic insurance needs
Service areaCharleston, SC
Typical pricing$70 to $240 per month
10

Rowell Insurance Agency

★★★★★4.2(72 reviews)
78Score

Rowell Insurance Agency has a 4.2-star rating from 72 reviews. Customers appreciate their approachable staff and willingness to answer questions. They are suitable for those seeking basic insurance products. However, the lower rating indicates room for improvement in service consistency. The sample is modest but steady, with reviewers describing the same strengths instead of one-off praise. Most of what reviewers hire it for is basic insurance products. It serves Charleston, SC, with $70 to $230 per month pricing, and the honest trade-offs are inconsistent service quality.

Pros

  • Approachable staff
  • Willingness to answer questions
  • Good for basic products

Cons

  • Inconsistent service quality
Best forBasic insurance products
Service areaCharleston, SC
Typical pricing$70 to $230 per month
Before you book

How to choose an insurance agent in Charleston

Selecting the right insurance agent can feel overwhelming. Here are key factors to consider based on our evaluations.

Look for high ratings and reviews

Focus on agents with a strong rating and a significant number of reviews. KSA Insurance leads with 5 stars from 457 reviews, a clear indicator of customer satisfaction.

Consider specialized expertise

Some agencies may have niche expertise, such as home or auto insurance. Identify your needs and find an agent who excels in that area.

Assess communication style

Read reviews to understand how agents communicate with clients. You want someone who is responsive and easy to work with.

What it costs

What insurance costs in Charleston

Insurance costs can vary based on the type of coverage and individual circumstances. Here’s a general overview of what you might expect to pay.

Basic auto insurance$100 to $300 per month, depending on your driving history and the vehicle.
Homeowners insurance$800 to $2,000 annually, influenced by the home's value and location.
Renters insurance$15 to $30 per month, a cost-effective way to protect personal belongings.
Life insurance$20 to $50 per month for term policies, varying by age and health.

Frequently asked questions

How much does insurance cost in Charleston?

Insurance costs vary widely based on coverage and provider, but you can expect rates to range from $100 to $300 per month for standard policies.

What are the most common types of insurance needed in Charleston?

Homeowners, auto, and renters insurance are among the most common types needed in Charleston, reflecting the city's mix of residential and coastal properties.

How often is this ranking updated?

We re-run the full analysis monthly with fresh review data. Last updated June 13, 2026.

Our verdict

For most Charleston residents: <strong>KSA Insurance</strong>

KSA Insurance leads the pack with a perfect 5-star rating from 457 reviews, proving its reliability and customer satisfaction. Following closely is Pilothouse Insurance, also rated 5 stars but with fewer reviews at 171, indicating strong performance but less established credibility. Finally, Harrell Insurance Agency rounds out the top three with a solid 4.9 rating from 269 reviews, showcasing consistent service. Choose KSA Insurance for the best combination of proven experience and customer trust.