Best Independent Insurance Agencies in Goose Creek & Moncks Corner, 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 ·
Goose Creek and Moncks Corner are in Berkeley County, north of Charleston; Moncks Corner is the county seat. Each town has only a few independent agencies, so this list covers both.
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. C. T. Lowndes & Company (Moncks Corner)
Score 79/100C. T. Lowndes & Company (Moncks Corner) is an independent agency with an office in Moncks Corner. In its own words: “C. T. Lowndes & Company is an independent insurance agency that strives toward being the insurance agency of choice while building customer relationships through honesty, integrity, and outstanding service.”
One of the Lowcountry's oldest agencies, started in Charleston in 1850, with offices in Mt. Pleasant, Charleston, Summerville, Walterboro, Edisto Island and Myrtle Beach as well as Moncks Corner.
Offers personal and business insurance plus employee benefits; its Moncks Corner office traces back to the Dennis Insurance Agency, founded locally in 1951.
Coverage listed on its website
- Auto
- Home
- Renters
- Condo
- Life
- Umbrella
- Boat
- RV
- Motorcycle
- Flood
- Business
Found in the SC license search: Rawlins Lowndes (Owner, CFO), individual #355671; Jamie Bailey (Office Manager, Inside Sales), individual #169839
- Office: 513 E. Main Street, Moncks Corner, SC 29461 · 800-551-3817
- In business since 1850
- 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
- 20/20
- 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
2. Cheri Nelson Insurance Agency
Score 71/100Cheri Nelson Insurance Agency is an independent agency with an office in Goose Creek. In its own words: “As an independent agency serving Goose Creek, Charleston, Summerville, and Moncks Corner since 2013, we shop home insurance, auto insurance, and business insurance across many carriers to find the right fit.”
Founded in Goose Creek in 2013 by Cheri Nelson, who brings more than 40 years of insurance industry experience; the agency also handles commercial lines such as general liability, workers' compensation and commercial auto.
Staff member Laurnea Tolbert is also a Notary Public and offers notary services to clients.
Coverage listed on its website
- Auto
- Home
- Renters
- Life
- Umbrella
- Boat
- RV
- Motorcycle
- Flood
- Business
Found in the SC license search: Cheri Nelson (Founder & Senior Account Executive), individual #110544; Cameron Rozal (VP / Senior Account Executive), individual #869664; Kayla Sandella (Senior Account Executive), individual #815988; Laurnea Tolbert (Junior Account Executive), individual #1404387
- Office: 205 N Goose Creek Blvd, Goose Creek, SC 29445 · (843) 793-3168
- In business since 2013
- Hours: Mon–Thu 10:00 am–5:00 pm; Fri 10:00 am–1:00 pm
- Online quote request on its website
How this score adds up
- Years in business
- 13/25
- 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. J. Philip Morgan Agency
Score 69/100J. Philip Morgan Agency is an independent agency with an office in Moncks Corner. In its own words: “We are a third generation Independent Insurance Agency located in the lowcountry of South Carolina.”
Moncks Corner's oldest insurance agency, started in 1945 by J. Philip Morgan and run today by the Morgan family's third generation.
Writes personal lines from auto and homeowners to ATV, mobile home and classic autos, plus commercial auto, trucking, workers' comp and bonds.
Coverage listed on its website
- Auto
- Home
- Renters
- Umbrella
- Boat
- RV
- Motorcycle
- Flood
- Business
Found in the SC license search: John P. Morgan Jr. (Principal/Owner), individual #149822; J.P. Morgan III (Manager/Agent), individual #155616; Mollie Mills (Agent), individual #294074; Jessica Hewette (Agent/CSR), individual #673370; Aundi Driggers (Agent/CSR), individual #791951
- Office: 130 S. Railroad Avenue, Moncks Corner, SC 29461 · 843-761-8328
- In business since 1945
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
- 5/10
- Convenience
- 0/15
- Depth on the topic
- 0/5
4. Carey Insurance LLC
Score 56/100Carey Insurance LLC is an independent agency with an office in Moncks Corner. In its own words: “Let us shop your rates thru our multiple companies to find the best policy for the best price.”
Opened in July 2018 by twin sisters Kathy and Tesha Carey, who each bring more than 30 years in the insurance business.
Also writes mobile home, ATV, construction, commercial auto and workers' compensation coverage.
Coverage listed on its website
- Auto
- Home
- Renters
- Life
- Boat
- RV
- Motorcycle
- Business
Found in the SC license search: Crimson "Kathy" Carey (Co-owner, CPIW, CISR), individual #237485; Tesha Carey (Co-owner), individual #237486
- Office: 2833 D South Live Oak Drive, Moncks Corner, SC 29461 · 843-900-6266
- In business since 2018
- Hours: Mon–Thu 9:00 am–4:00 pm; Fri 9:00 am–2:30 pm
- Online quote request on its website
How this score adds up
- Years in business
- 8/25
- 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 Goose Creek & Moncks Corner 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 Goose Creek & Moncks Corner 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.