Best Independent Insurance Agencies in Florence, 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 ·
Florence is the seat of Florence County. This list covers independent agencies with an office in Florence.
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 8 agencies, ranked
1. Accountable Insurance Partners (Florence)
Score 84/100Accountable Insurance Partners (Florence) is an independent agency with an office in Florence. In its own words: “We are Independent Agents free to choose the best insurance company for your insurance needs.”
Founded in Florence in 1975 by Robert McLean and owned by his family since; its Ag Insurance Advisors team specializes in farm and agribusiness coverage.
Other offices in Darlington, Sumter, Manning and Springfield, GA.
Coverage listed on its website
- Auto
- Home
- Renters
- Condo
- Life
- Umbrella
- Boat
- RV
- Motorcycle
- Flood
- Business
- Farm
Found in the SC license search: Erik Marechal (Chief Executive Officer), individual #122949; Paden Capps (Chief Operating Officer), individual #1308734; Tawnya Jelonek (Personal Lines Manager), individual #388927
- Office: 619 S Dargan Street, Florence, SC 29506 · (843) 669-5858
- In business since 1975
- 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
- 10/10
- Licensed people we could check
- 9/15
- Transparency
- 10/10
- Convenience
- 5/15
- Depth on the topic
- 5/5
2. CSP Insurance Services
Score 77/100CSP Insurance Services is an independent agency with an office in Florence. In its own words: “We compare several carriers to find a policy that fits you, not one company's products.”
Florence agency founded in 1939 by Clifford Cormell and Earnest Streett, with a strong focus on business insurance for restaurants, manufacturers, healthcare providers and other industries.
Coverage listed on its website
- Auto
- Home
- Renters
- Condo
- Life
- Umbrella
- Boat
- RV
- Motorcycle
- Business
Found in the SC license search: Ashton Streett (Commercial Lines Agent, CIC), individual #826604; Paul B. Grich (Commercial Insurance Agent), individual #157459
- Office: 2420 Hoffmeyer Road, Suite D, Florence, SC 29501 · (843) 519-2557
- In business since 1939
- 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
- 18/20
- Business and farm coverage
- 8/10
- Licensed people we could check
- 6/15
- Transparency
- 10/10
- Convenience
- 5/15
- Depth on the topic
- 5/5
3. Ed Smith Insurance Agency
Score 75/100Ed Smith Insurance Agency is an independent agency with an office in Florence. In its own words: “Ed Smith Insurance Agency is an Independent Insurance Agency representing many different companies for your insurance needs.”
Family owned and operated in Florence since 1965, writing personal lines plus commercial coverage such as bonds, builders risk and commercial auto.
Coverage listed on its website
- Auto
- Home
- Renters
- Condo
- Boat
- RV
- Motorcycle
- Flood
- Business
- Farm
Found in the SC license search: Michael Smith (Principal, Broker, Commercial Lines Agent), individual #196382; Hannah Smith Grimsley (Office Manager, Commercial and Personal Lines Agent), individual #1080511; Melanie Smith (Commercial and Personal Lines Agent, Customer Service Specialist), individual #145694
- Office: 165 Warley Street, Florence, SC 29501 · (843) 669-5091
- In business since 1965
- 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
- 10/10
- Licensed people we could check
- 9/15
- Transparency
- 5/10
- Convenience
- 5/15
- Depth on the topic
- 5/5
4. Foster Insurance Agency
Score 74/100Foster Insurance Agency is an independent agency with an office in Florence. In its own words: “We work with a wide range of quality, reliable insurance companies and can provide coverage options for any business or personal insurance need.”
Founded in Florence in 1979 by Larry Foster; his daughter Sarah Foster has worked in the agency since high school. A second office operates in Shallotte, NC.
Coverage listed on its website
- Auto
- Home
- Renters
- Condo
- Umbrella
- Boat
- RV
- Motorcycle
- Flood
- Business
Found in the SC license search: Sarah Foster (Licensed insurance agent), individual #189598
- Office: 901 West Evans Street, Florence, SC 29501 · (843) 662-2414
- In business since 1979
- Hours: Mon–Fri 9:00 am–5:00 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
- 3/15
- Transparency
- 10/10
- Convenience
- 5/15
- Depth on the topic
- 5/5
5. Fred Jones Insurance
Score 71/100Fred Jones Insurance is an independent agency with an office in Florence. In its own words: “We are affiliated with many outstanding insurance companies and are able to offer you a level of personalized customer service that you simply won’t find anywhere else.”
Started in 1961 as the Tedder Jones Agency; longtime employee Ann Hobson and her family have owned it since 2003.
Coverage listed on its website
- Auto
- Home
- Condo
- Life
- Umbrella
- Boat
- RV
- Motorcycle
- Business
Found in the SC license search: Ann L Hobson (Owner; licensed agent), individual #174598; Deborah D Hinds (Licensed agent), individual #178507; Gaye L Hill (Licensed agent), individual #191867; Melisa H Lane (Licensed agent), individual #462608
- Office: 1320 W Evans St, Florence, SC 29501 · (843) 662-9401
- In business since 1961
- 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
- 12/15
- Transparency
- 5/10
- Convenience
- 5/15
- Depth on the topic
- 0/5
6. Kinghorn Insurance Agency (Florence)
Score 68/100Kinghorn Insurance Agency (Florence) is an independent agency with an office in Florence. In its own words: “Kinghorn Insurance Agency is an independent insurance agency representing many prominent regional and national insurance companies and brokerage firms.”
Florence office of a South Carolina agency dating to 1898, with other offices in Bluffton, Hilton Head Island and Charleston; also handles employee benefits.
Coverage listed on its website
- Auto
- Home
- Condo
- Life
- Motorcycle
- Business
- Farm
Found in the SC license search: Stephanie Sturkie (Partner, AAI, CIC), individual #170736
- Office: 1323 Cherokee Road, Florence, SC 29501
- In business since 1898
- Hours: Mon–Fri 9:00 am–5:00 pm
- Online quote request on its website
How this score adds up
- Years in business
- 25/25
- Personal coverage offered
- 10/20
- Business and farm coverage
- 10/10
- Licensed people we could check
- 3/15
- Transparency
- 10/10
- Convenience
- 5/15
- Depth on the topic
- 5/5
7. The Hoylen Agency
Score 65/100The Hoylen Agency is an independent agency with an office in Florence. Its website publishes a list of the insurance companies it works with.
Family agency led by Billy Hoylen; daughter Staci Duffee is a third-generation Pee Dee insurance agent. Members of the Florence and Lake City chambers of commerce.
Coverage listed on its website
- Auto
- Home
- Renters
- Condo
- Life
- Umbrella
- Boat
- RV
- Motorcycle
- Flood
- Business
- Farm
Found in the SC license search: Billy Hoylen (Agent/owner), individual #177832; Staci Duffee (Agent), individual #472266; Henry "Skip" Duffee (Commercial and personal lines agent), individual #772444; Carla Byrd (Agent), individual #1268998; Dina Jordan (Agent), individual #122222
- Office: 305A Second Loop Rd, Florence, SC 29501 · (843) 665-2196
- Hours: Mon–Fri 9:00 am–5:00 pm
- Online quote request on its website
How this score adds up
- Years in business
- 0/25
- Personal coverage offered
- 20/20
- Business and farm coverage
- 10/10
- Licensed people we could check
- 15/15
- Transparency
- 10/10
- Convenience
- 5/15
- Depth on the topic
- 5/5
8. Durham Specialty Insurance
Score 54/100Durham Specialty Insurance is an independent agency with an office in Florence. In its own words: “Representing multiple top-rated insurance carriers for Truck Insurance, Home, Auto, Businesses & More.”
Family-owned agency started in 2020 by Christian and Megan Durham, specializing in commercial truck insurance alongside home, business and life coverage.
Coverage listed on its website
- Auto
- Home
- Renters
- Condo
- Life
- Umbrella
- Flood
- Business
Found in the SC license search: William (Christian) Durham (Co-founder), individual #806857; Megan Durham (Co-founder), individual #985864
- Office: 154 West Evans Street Ste B, Florence, SC 29501 · (843) 799-4559
- In business since 2020
- Hours: Mon–Fri 9:00 am–5:00 pm
- Online quote request on its website
How this score adds up
- Years in business
- 6/25
- Personal coverage offered
- 14/20
- Business and farm coverage
- 8/10
- Licensed people we could check
- 6/15
- Transparency
- 10/10
- Convenience
- 5/15
- Depth on the topic
- 5/5
Why these lists include only independent agencies
An independent agency can quote with several insurance companies, so one conversation in Florence 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 Florence 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.