Best Independent Insurance Agencies in Beaufort & Port Royal, SC (2026)
Local agencies that can compare more than one insurance company, ranked by a formula you can check.
Disclosure: Quote My Policy is not an insurance agency and is not on this list. No agency paid to be listed or was asked to take part. The order comes from a published scoring formula applied to facts each agency publishes about itself. Our reviewers are licensed agents in Anderson: Joshua Pannell, Katie Stone and JJ Taylor work at Select Insurance, LLC, and our founder Bryan DeVore owns an agency. Those agencies are left off every list.
Facts checked October 29, 2026
Reviewed by Bryan DeVore, Founder, Quote My Policy ·
Beaufort and Port Royal are neighbors in Beaufort County. This list covers independent agencies with an office in either town.
Every agency here has an office in the area, says on its own website that it represents more than one insurance company, and has at least one named agent we found in the South Carolina Department of Insurance license search. The order comes from a fixed scoring formula, not from our opinion, and no agency paid or asked to be included.
See exactly how the points work on how we rank local agencies.
The 4 agencies, ranked
1. Lowcountry Insurance Services
Score 84/100Lowcountry Insurance Services is an independent agency with an office in Port Royal. In its own words: “Because the agency represents multiple insurance companies, our agents can help you compare policy options and pricing instead of relying on one company.”
Part of Correll Insurance Group; serving Beaufort-area families and businesses since 1977, with a flood page that covers both NFIP and private flood options and a recreational page for boats, personal watercraft, RVs and golf carts.
Coverage listed on its website
- Auto
- Home
- Renters
- Umbrella
- Boat
- RV
- Motorcycle
- Flood
- Business
Found in the SC license search: Jeff Althoff (President), individual #422233; Rich Chiaviello (Account Executive), individual #111493; Nate Gurley (Producer), individual #1425231; Amber Reaves (Personal Account Manager), individual #1061565; Allison Singletary (Personal Account Manager & Receptionist), individual #1551160
- Office: 1845 N Paris Ave, Suite 206, Port Royal, SC 29935 · (843) 522-2020
- In business since 1977
- Hours: Mon–Thu 9:00 am–5:00 pm, Fri 9:00 am–2:00 pm
- Online quote request on its website
How this score adds up
- Years in business
- 25/25
- Personal coverage offered
- 16/20
- Business and farm coverage
- 8/10
- Licensed people we could check
- 15/15
- Transparency
- 10/10
- Convenience
- 5/15
- Depth on the topic
- 5/5
2. Kinghorn Insurance of Beaufort
Score 83/100Kinghorn Insurance of Beaufort is an independent agency with an office in Beaufort. In its own words: “Although we are a community-oriented business, we represent financially strong national and regional insurers that offer a wide selection of insurance products.”
Locally owned downtown Beaufort agency on Carteret Street, in business since 1898; its flood page explains both NFIP and private flood options, and it also writes boat, dock and golf-cart coverage. Sister agency TWIA Insurance Agency has offices in Summerville and Greenville.
Coverage listed on its website
- Auto
- Home
- Renters
- Life
- Umbrella
- Boat
- RV
- Motorcycle
- Flood
- Business
Found in the SC license search: Charlotte Law (Partner - Commercial Lines Manager), individual #696190; Thomas Tayloe (Partner), individual #700933; Sheila Peeples (Personal Lines Manager), individual #315568; Amy Purdy (Account Manager), individual #142437
- Office: 910 Carteret St., Beaufort, SC 29902 · (843) 521-4000
- In business since 1898
- Hours: Mon–Thu 9:00 am–5:00 pm, Fri 9:00 am–4:00 pm
- Online quote request on its website
How this score adds up
- Years in business
- 25/25
- Personal coverage offered
- 18/20
- Business and farm coverage
- 8/10
- Licensed people we could check
- 12/15
- Transparency
- 10/10
- Convenience
- 5/15
- Depth on the topic
- 5/5
3. Turbeville Insurance Agency (Beaufort)
Score 76/100Turbeville Insurance Agency (Beaufort) is an independent agency with an office in Beaufort. In its own words: ““Independent” means we’re not tied to any one insurance carrier.”
Founded in 1991 by Bill Turbeville Jr. and now part of Higginbotham; its Lady's Island office on Kemmerlin Lane is one of four, alongside Columbia, Lexington and Charleston.
Coverage listed on its website
- Auto
- Home
- Renters
- Condo
- Life
- Umbrella
- Boat
- RV
- Motorcycle
- Flood
- Business
Found in the SC license search: Candi Pender, CISR, AIAM (Producer), individual #155942
- Office: 28 Kemmerlin Lane, Beaufort, SC 29907 · (843) 524-4500
- In business since 1991
- Hours: Mon–Fri 8:30 am–5:00 pm
- Online quote request on its website
How this score adds up
- Years in business
- 25/25
- Personal coverage offered
- 20/20
- Business and farm coverage
- 8/10
- Licensed people we could check
- 3/15
- Transparency
- 10/10
- Convenience
- 5/15
- Depth on the topic
- 5/5
4. Union Insurance Agency
Score 45/100Union Insurance Agency is an independent agency with an office in Beaufort. In its own words: “Access to multiple companies and products is essential to providing the flexibility required to service your diverse needs.”
Locally owned Beaufort agency founded in 2018 by Stephen Union, focused on coastal and waterfront homes, boats (from jon boats to offshore center-consoles), golf carts and other recreational vehicles.
Coverage listed on its website
- Auto
- Home
- Condo
- Life
- Umbrella
- Boat
- RV
- Motorcycle
- Business
Found in the SC license search: Stephen Union (Agency Owner), individual #808983
- Office: 903 Port Republic Street, Beaufort, SC 29902 · (843) 208-2900
- In business since 2018
- Hours: Mon–Fri 9:00 am–5:00 pm
How this score adds up
- Years in business
- 8/25
- Personal coverage offered
- 16/20
- Business and farm coverage
- 8/10
- Licensed people we could check
- 3/15
- Transparency
- 10/10
- Convenience
- 0/15
- Depth on the topic
- 0/5
Why these lists include only independent agencies
An independent agency can quote with several insurance companies, so one conversation in Beaufort and Port Royal can produce more than one price. A captive agent represents a single company. Captive agents can be excellent; they just answer a different question, which is why we rank them separately or not at all.
What to have ready before you call
An agent can only compare what they can see. Five minutes of gathering saves a second round of calls.
- Your current declarations page, so the agent can match or improve the coverage you already have
- Driver's license numbers and vehicle VINs for everyone and everything on the policy
- For a home: year built, roof age and material, and any updates to wiring, plumbing or heating
- Any claims or tickets in the past five years, so quotes aren't revised later
- The date you need coverage to start
Check an agent's license yourself
Every person on these lists appeared in the South Carolina Department of Insurance license search when we checked. Licenses lapse and change, so look the person up yourself before you buy. Our step-by-step guide shows how, and what the search can and can't tell you.
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Common questions
With a fixed formula of up to 100 points: years in business, the coverage the agency offers, how many of its named people we found in the South Carolina license search, whether it publishes its staff and hours, convenience (online quote requests, evening or Saturday hours, other languages) and depth on the topic. The full formula is on our How we rank page. We do not use reviews or star ratings.
No. No agency paid, and none was asked to take part. Quote My Policy is not an agency and is not on the list.
We include independent agencies with an office in Beaufort and Port Royal whose own website says they represent more than one insurance company, and with at least one named person we could find in the South Carolina Department of Insurance license search. If your agency meets those rules, email info@quotemypolicy.com with your website and we will check it the same way.
Each person we list by license number appeared in the South Carolina Department of Insurance individual license search on the date shown. The public search confirms a license record, not every detail of it, so look the agent up yourself before you buy.
Keep reading
Sources
Each agency’s own website, linked above, and the South Carolina Department of Insurance individual license search. Checked October 29, 2026. Spot an error? Email info@quotemypolicy.com and we will re-check it.
General information only, not insurance advice. Being on this list is not an endorsement, and leaving an agency off is not a judgment of it. Quote My Policy LLC connects you with licensed insurance professionals.