Best Independent Insurance Agencies in Summerville, 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 ·
Summerville is mostly in Dorchester County, northwest of Charleston. This list covers independent agencies with an office in Summerville.
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. Taylor Agency (Summerville)
Score 78/100Taylor Agency (Summerville) is an independent agency with an office in Summerville. In its own words: “As your insurance advocate, we work for you and not for any individual insurance carrier.”
Independently owned Lowcountry agency founded in 1979, with offices in Charleston, Daniel Island, Kiawah Island and Orangeburg as well as Summerville.
Handles personal and commercial insurance, including high-value homes, yachts and collectibles.
Coverage listed on its website
- Auto
- Home
- Renters
- Condo
- Umbrella
- Boat
- RV
- Motorcycle
- Flood
- Business
Found in the SC license search: Leslie Bonds Phinney (Sales Executive, Personal Insurance), individual #171982; Sarah Johnson (Account Manager, Personal Insurance), individual #801760; Micah Waddell (Account Manager, Personal Insurance), individual #1029309; Cheryl Good (Account Manager, Personal Insurance), individual #1362462
- Office: 100 S. Main Street, Suite P, Summerville, SC 29483 · (843) 875-5449
- In business since 1979
- Hours: Mon–Thu 8:30 am–4:30 pm; Fri 8:30 am–3:30 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
- 0/5
2. C. T. Lowndes & Company (Summerville)
Score 76/100C. T. Lowndes & Company (Summerville) is an independent agency with an office in Summerville. In its own words: “We represent multiple insurance companies.”
Started by Charles Lowndes in Charleston in 1850 and still owned by the Lowndes and Silcox families; offers personal insurance, business insurance and employee benefits.
Other offices in Charleston, Mt. Pleasant, Walterboro, Moncks Corner, Edisto Island and Myrtle Beach.
Coverage listed on its website
- Auto
- Home
- Renters
- Condo
- Life
- Umbrella
- Boat
- RV
- Motorcycle
- Flood
- Business
Found in the SC license search: Will Seastrunk (Account Executive), individual #863591
- Office: 136 South Main Street, Summerville, SC 29483
- 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
- 3/15
- Transparency
- 10/10
- Convenience
- 5/15
- Depth on the topic
- 5/5
3. Dotterer Insurance (Summerville)
Score 72/100Dotterer Insurance (Summerville) is an independent agency with an office in Summerville. In its own words: “We represent multiple insurance companies.”
Founded by principal agent Gaillard “Gilly” Dotterer; has a second office in Orangeburg and serves clients in Georgia, North Carolina and Virginia.
Coverage listed on its website
- Auto
- Home
- Renters
- Condo
- Life
- Umbrella
- Boat
- RV
- Motorcycle
- Flood
- Business
- Farm
Found in the SC license search: Gaillard “Gilly” Dotterer (Principal Agent), individual #144692; Joy Donmoyer (Associate Agent), individual #1045233; Nhi Tran (Associate Agent), individual #1212510; Margarita Simmons (Associate Agent), individual #309195
- Office: 870 College Park Road, Summerville, SC 29486 · 843-821-7548
- In business: 10+ Years in Business
- Hours: Mon–Thu 8:30 am–5:00 pm; Fri 8:30 am–2:00 pm
- Online quote request on its website
How this score adds up
- Years in business
- 10/25
- 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
4. W. C. Wilbur & Company (Summerville)
Score 72/100W. C. Wilbur & Company (Summerville) is an independent agency with an office in Summerville. In its own words: “Offering competitive rate from over 20 different carriers, W.C. Wilbur’s independent insurance agents will always endeavor to find the best price and plan for you.”
In the same family since 1911, with offices in Summerville and North Charleston.
Coverage listed on its website
- Auto
- Home
- Renters
- Boat
- RV
- Motorcycle
- Flood
- Business
- Farm
Found in the SC license search: William W. Walker, Jr. (Broker In Charge), individual #150766
- Office: 1309 North Main Market, Suite A, Summerville, SC 29483 · 843-851-6868
- In business since 1911
- Hours: Mon–Thu 9:00 am–5:00 pm; Fri 9:00 am–12:00 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
- 10/10
- Licensed people we could check
- 3/15
- Transparency
- 10/10
- Convenience
- 5/15
- Depth on the topic
- 5/5
5. Absolute Insurance Agency
Score 48/100Absolute Insurance Agency is an independent agency with an office in Summerville. In its own words: “Because we are 100% independent, we aren’t tied to just one carrier.”
Owner-run agency led by Kristi Kalberer, serving Summerville in person and clients across South Carolina and Georgia virtually.
Coverage listed on its website
- Auto
- Home
- Renters
- Condo
- Life
- Boat
- RV
- Motorcycle
- Flood
Found in the SC license search: Kristi Kalberer (Owner/Agent), individual #512825; Glen Kalberer (Manager/Agent), individual #930101; Doug Cargill (Agent), individual #174707; Angie Woodson (Insurance Account Manager & Producer), individual #1093694; Danielle Abbott (Insurance Account Manager & Producer), individual #1320635; Zayona Risher (Insurance Account Manager & Producer), individual #1307263
- Office: 89B Old Trolley Road, Suite 201, Summerville, SC 29485 · 843-284-9944
- 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
- 0/10
- Licensed people we could check
- 15/15
- Transparency
- 5/10
- 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 Summerville 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 Summerville 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.