Best Independent Insurance Agencies in Hilton Head Island, 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 ·
Hilton Head Island is in Beaufort County. This list covers independent agencies with an office in Hilton Head Island.
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 5 agencies, ranked
1. Correll Insurance Group of Hilton Head
Score 82/100Correll Insurance Group of Hilton Head is an independent agency with an office in Hilton Head Island. In its own words: “We are a Trusted Choice® independent agency and represent most of the nation’s leading business, personal, and auto insurance companies.”
Part of Correll Insurance Group, which has more than 50 offices across the Southeast. The Hilton Head team serves island and Bluffton clients and has a dedicated high-net-worth and coastal-property group.
Coverage listed on its website
- Auto
- Home
- Renters
- Condo
- Life
- Umbrella
- Boat
- RV
- Motorcycle
- Flood
- Business
Found in the SC license search: Kassie Williams (President), individual #536276; Angele Bryant (Senior Account Executive), individual #185673; Jim Hudson (Senior Account Executive), individual #313549
- Office: 15 Bow Circle, Suite 101, Hilton Head Island, SC 29928 · (888) 668-8082
- In business since 1984
- Hours: Mon–Thu 8:00 am–5:00 pm; Fri 8:30 am–2:30 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
- 9/15
- Transparency
- 10/10
- Convenience
- 5/15
- Depth on the topic
- 5/5
2. Callen Insurance Services
Score 76/100Callen Insurance Services is an independent agency with an office in Hilton Head Island. In its own words: “As independent agents, we pride ourselves on getting you the right product and the right company for your insurance needs.”
Owner B. Scott Callen leads a team of producers focused on coastal property and flood coverage. The agency also offers health, Medicare, retirement-income and estate-planning products.
Coverage listed on its website
- Auto
- Home
- Renters
- Condo
- Life
- Umbrella
- Boat
- RV
- Flood
- Business
Found in the SC license search: B. Scott Callen (Owner/Producer), individual #405997; Richard Tiffany (Producer), individual #771573; Mark White (Producer), individual #542101; Alex Smith (Producer), individual #624296; Scott Vincini (Producer), individual #376012; Julie Trodden (Producer), individual #1091848
- Office: 17 Executive Park Rd., Hilton Head Island, SC 29928 · (843) 681-2221
- In business since 1996
- 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
- 15/15
- Transparency
- 5/10
- Convenience
- 5/15
- Depth on the topic
- 0/5
3. PC&L Agency (Hilton Head Island)
Score 68/100PC&L Agency (Hilton Head Island) is an independent agency with an office in Hilton Head Island. In its own words: “Here at PC&L we work with many different insurance providers to get you the best possible coverage at the best price.”
Charleston-based agency with offices in Hilton Head Island, Bluffton, Myrtle Beach and Spartanburg, specializing in coastal homeowners, wind and hail, and workers' compensation coverage. Hispanic business specialists on staff and a Spanish-language website.
Coverage listed on its website
- Auto
- Home
- Renters
- Umbrella
- Boat
- Flood
- Business
Found in the SC license search: Jerry Bishop (Regional Director), individual #181948
- Office: 12 Lafayette Place, Suite C, Hilton Head Island, SC 29926 · 843.682.4845
- In business since 1981
- Hours: Mon–Fri 9:00 am–5:00 pm
- Languages: English, Spanish
How this score adds up
- Years in business
- 25/25
- Personal coverage offered
- 12/20
- 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. Goosehead Insurance – Meg O'Toole Herman
Score 62/100Goosehead Insurance – Meg O'Toole Herman is an independent agency with an office in Hilton Head Island. In its own words: “Using cutting edge technology to shop with dozens of "A" rated insurance companies in just a few short minutes, she is able to find the right coverage at a competitive price.”
Locally run Goosehead Insurance franchise led by Meg O'Toole Herman, with a seven-agent Hilton Head Island team licensed in South Carolina, Georgia and North Carolina.
Coverage listed on its website
- Auto
- Home
- Renters
- Condo
- Life
- Umbrella
- Boat
- RV
- Motorcycle
- Flood
- Business
- Farm
Found in the SC license search: Katie Buryk (Agent), individual #987098; Alan Boatwright (Agent), individual #1089097; Will Topping (Agent), individual #1304784; Kate Thomson (Agent), individual #1028789
- Office: 2 Park Lane, Suite 200, Hilton Head Island, SC 29928 · (419) 553-6923
- Hours: Mon–Fri 8:30 am–5:30 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
- 12/15
- Transparency
- 10/10
- Convenience
- 5/15
- Depth on the topic
- 5/5
5. Windermere Insurance Group (Hilton Head Island)
Score 39/100Windermere Insurance Group (Hilton Head Island) is an independent agency with an office in Hilton Head Island. In its own words: “We curate the most sophisticated property and liability insurance products our leading carrier partners offer and customize them to meet our clients’ unique needs.”
Charlotte-based brokerage founded by Dan M. Litaker III, with South Carolina offices in Hilton Head Island, Pawleys Island and Charleston. Its private-client practice focuses on high-value coastal homes, flood, watercraft and yachts.
Coverage listed on its website
- Auto
- Home
- Renters
- Condo
- Life
- Umbrella
- Boat
- RV
- Motorcycle
- Flood
- Business
Found in the SC license search: Amy H. Kinasch (Partner, Private Client), individual #119526; Cole B. Herbkersman (Sr. Advisor, Private Client), individual #987357
- Office: 2 Palmetto Bay Road, Suite 200, Hilton Head Island, SC 29928 · 843.341.0080
How this score adds up
- Years in business
- 0/25
- Personal coverage offered
- 20/20
- Business and farm coverage
- 8/10
- Licensed people we could check
- 6/15
- Transparency
- 5/10
- Convenience
- 0/15
- Depth on the topic
- 0/5
Visit Windermere Insurance Group (Hilton Head Island)’s website
Why these lists include only independent agencies
An independent agency can quote with several insurance companies, so one conversation in Hilton Head Island 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 Hilton Head Island 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.