Best Independent Insurance Agencies in Irmo, West Columbia & Cayce, 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 ·
Irmo, West Columbia and Cayce are the Lexington County suburbs on the west side of Columbia, along I-26 and the Congaree River. Each has only a few independent agencies, so this list covers all three.
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. Irmo Insurance Agency
Score 77/100Irmo Insurance Agency is an independent agency with an office in Irmo. In its own words: “As an independent insurance agent, we shop our network of providers to find you the best value and service for your money.”
Family-owned independent agency in Irmo since 1976, now led by second-generation president Scott Moseley.
Active member of the Independent Insurance Agents & Brokers of South Carolina and a Trusted Choice agency; also writes church and contractor bond coverage.
Coverage listed on its website
- Auto
- Home
- Condo
- Life
- Boat
- RV
- Motorcycle
- Business
Found in the SC license search: Scott Moseley (Agent), individual #202772; Bob Moseley (Agent), individual #185612; Eric Holcombe (Agent / CSR), individual #333631; Ashley Davenport (Agent / CSR), individual #1454415; Virginia Hollingsworth (Agent / CSR), individual #1480611
- Office: 1345 Lake Murray Boulevard, Irmo, SC 29063 · 803-781-4700
- In business since 1976
- Hours: Mon–Thu 8:30 am–5:00 pm; Fri 8:30 am–3:00 pm
- Online quote request on its website
How this score adds up
- Years in business
- 25/25
- Personal coverage offered
- 14/20
- Business and farm coverage
- 8/10
- Licensed people we could check
- 15/15
- Transparency
- 10/10
- Convenience
- 5/15
- Depth on the topic
- 0/5
2. Livingston Insurance Agency
Score 76/100Livingston Insurance Agency is an independent agency with an office in West Columbia. Its website publishes a list of the insurance companies it works with.
Family-owned agency founded in 1958 by Robert (Bob) and Raye Livingston and still in Livingston family hands.
Also writes court and probate, construction, license and permit, and crime bonds.
Coverage listed on its website
- Auto
- Home
- Renters
- Life
- Umbrella
- Boat
- RV
- Flood
- Business
Found in the SC license search: Joe Popkowski (President), individual #644379; Rachel Livingston Popkowski (Vice President), individual #658162; Rebekah Livingston Morris (Personal Lines Account Manager), individual #585286; Christy Boyle (Commercial Account Manager), individual #186151
- Office: 100 9th St, West Columbia, SC 29169 · (803) 791-1120
- In business since 1958
- 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
- 5/5
3. Southeastern Insurance Consultants (Irmo)
Score 69/100Southeastern Insurance Consultants (Irmo) is an independent agency with an office in Irmo. In its own words: “Southeastern Insurance Consultants prides itself on being able to offer a variety of products across carriers and services.”
Founded in 2000; the Irmo office serves the Midlands and Pee Dee, with other offices in Charleston and Greenville.
Also handles employee benefits and offers association plans for HBA of South Carolina and South Carolina Bar members.
Coverage listed on its website
- Auto
- Home
- Renters
- Life
- Umbrella
- Boat
- RV
- Motorcycle
- Business
Found in the SC license search: Eric Wells (Co-Founder, Principal, Benefits/Life and Health Specialist), individual #146759; Anita Morphy (Director of Operations and Business Partner), individual #145402; Hunter Spivey (Commercial Property & Casualty Agent), individual #841026; Adam Hodge (Personal Lines Producer), individual #815613; Janet Plaehn (Account Manager), individual #333719
- Office: 1061 Bickley Road, Irmo, SC 29063 · 803-732-7284
- In business since 2000
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. Sauls Insurance Agency
Score 49/100Sauls Insurance Agency is an independent agency with an office in Irmo. In its own words: “Over this time we have always been an Independent Agent, representing dozens for different insurance companies to provide the best choices for our customers.”
Family agency started in the mid-1960s by Bill Sauls, who left his family's homebuilding company to open it; family members still work in the business.
Long focus on contractors and other small and mid-sized businesses, alongside personal coverage.
Coverage listed on its website
- Auto
- Home
- Renters
- Condo
- Umbrella
- Boat
- RV
- Motorcycle
- Flood
- Business
Found in the SC license search: Taylor Ross (Office Manager/Agent), individual #1024035
- Office: 7911 Broad River Road, Suite 200, Irmo, SC 29063 · 803-256-8983
- 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
- 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. Gary Hodge Insurance Agency
Score 43/100Gary Hodge Insurance Agency is an independent agency with an office in Cayce. In its own words: “We serve individuals and families across South Carolina with an array of cost effective carriers and products.”
Full-service agency on Knox Abbott Drive serving the Midlands and Low Country, led by principal agent Gary R. Hodge.
Coverage listed on its website
- Auto
- Home
- Renters
- Condo
- Life
- Business
- Farm
Found in the SC license search: Gary R. Hodge (Principal Agent), individual #198035
- Office: 1220 Knox Abbott Dr, Suite A, Cayce, SC 29033 · (803) 791-5450
- 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
- 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
Why these lists include only independent agencies
An independent agency can quote with several insurance companies, so one conversation in Irmo, West Columbia & Cayce 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 Irmo, West Columbia & Cayce 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.