24/7 Available · Chesapeake
24-Hour Insurance Agents in Chesapeake, VA — Always Available
Emergencies don't keep business hours. These insurance agents in Chesapeake are available 24 hours a day, 7 days a week — including holidays.
As of July 2026, RatingsNearMe ranks 20 insurance agents in Chesapeake, VA by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Joe Sictor - State Farm Insurance Agent with a 4.9-star rating from 470 Google reviews and an RNM Score of 87/100. Also in the top tier: Michelle Benson-Dumas - State Farm Insurance Agent and Jenel Proctor - State Farm Insurance Agent. The average rating across all listed insurance agents in Chesapeake is 4.7 stars from 112 reviews per business on average.
Insurance in Chesapeake: agents are typically paid by commission (5–15% of premium) — no cost to you to compare quotes.
Rankings updated July 4, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
Ferguson Insurance Center
Ferguson Insurance Center stands out as the top-ranked agent in Chesapeake due to its consistently high customer satisfaction and strong local reputation.
Most Reviewed
Ferguson Insurance Center
A high number of reviews indicates broad customer experience and trust, helping you gauge service reliability.
When choosing an insurance agent in Chesapeake, compare coverage options and customer service responsiveness. Reading recent reviews can also help you find an agent that fits your specific needs.
Local Market Snapshot
20
Businesses listed
4.7★
Avg rating
112
Avg reviews
Jul 4, 2026
Last updated
Top Rated Insurance Agents
Exceptional 4.9-star rating from hundreds of Google reviews in Chesapeake.
1365 S Military Hwy Ste 100, Chesapeake, VA 23320, USATrusted by hundreds of local clients, this Chesapeake agent holds a perfect 5.0-star rating.
1428 Kempsville Rd ste b, Chesapeake, VA 23320, USAChesapeake insurance agent with a perfect 5.0-star rating from over 250 reviews.
1428 Kempsville Rd ste b, Chesapeake, VA 23320, USAInsurance Agents Rankings in Chesapeake, VA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Joe Sictor - State Farm Insurance Agent1365 S Military Hwy Ste 100, Chesapeake, VA 23320, USA | 4.9★ | 470 |
| #2 | Michelle Benson-Dumas - State Farm Insurance Agent1428 Kempsville Rd ste b, Chesapeake, VA 23320, USA | 5.0★ | 270 |
| #3 | Jenel Proctor - State Farm Insurance Agent1428 Kempsville Rd ste b, Chesapeake, VA 23320, USA | 5.0★ | 256 |
| #4 | Kathy Kretz - State Farm Insurance Agent838 Old George Washington Hwy N H, Chesapeake, VA 23323, USA | 4.9★ | 114 |
| #5 | COVA Insurance638 Independence Pkwy Ste 220, Chesapeake, VA 23320, USA | 4.8★ | 51 |
| #6 | Garlow Insurance Agency - Nationwide Insurance312 Cedar Lakes Dr suite 201, Chesapeake, VA 23322, USA | 4.8★ | 117 |
| #7 | Direct Auto Insurance1437 Sam's Dr #121, Chesapeake, VA 23320, USA | 4.8★ | 114 |
| #8 | Shawn Fischer - State Farm Insurance Agent825 S Battlefield Blvd Ste B, Chesapeake, VA 23322, USA | 5.0★ | 111 |
| #9 | AAA Chesapeake Insurance and Member Services111 Kempsville Rd, Chesapeake, VA 23320, USA | 4.4★ | 108 |
| #10 | Corey Jones - State Farm Insurance Agent237 Carmichael Way #225, Chesapeake, VA 23322, USA | 4.9★ | 107 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Insurance Agents in Chesapeake
Trusted by hundreds of local clients, this Chesapeake agent holds a stellar 4.9-star rating.
838 Old George Washington Hwy N H, Chesapeake, VA 23323, USA
Trusted by locals with a 4.8-star rating from over 50 Google reviews.
638 Independence Pkwy Ste 220, Chesapeake, VA 23320, USA
Consistently rated 4.8 stars from over 100 Google reviews in Chesapeake.
312 Cedar Lakes Dr suite 201, Chesapeake, VA 23322, USA
4.8 stars from over 100 Google reviews, reflecting trusted local service.
1437 Sam's Dr #121, Chesapeake, VA 23320, USA
Earning a perfect 5.0-star rating from over 100 Google reviews in Chesapeake.
825 S Battlefield Blvd Ste B, Chesapeake, VA 23322, USA
Shoppers praise this agent's reliable service, earning a solid 4.4 stars from over 100 reviews.
111 Kempsville Rd, Chesapeake, VA 23320, USA
Top-rated insurance agent in Chesapeake with 4.9 stars from over 100 reviews.
237 Carmichael Way #225, Chesapeake, VA 23322, USA
Proudly rated 4.9 stars from 66 Google reviews in Chesapeake, VA.
1111 Eden Way N, Chesapeake, VA 23320, USA
5.0 stars from 54 reviews, reflecting exceptional local client satisfaction.
300 Battlefield Blvd N # B, Chesapeake, VA 23320, USA
Known for solid service with a 4.2-star rating from 31 local reviews.
1369 S Military Hwy, Chesapeake, VA 23320, USA
22 reviews average 2.6 stars, indicating mixed customer experiences.
1105 Madison Plaza #100, Chesapeake, VA 23320, USA
Top-rated insurance agent with a perfect 5.0★ rating from 15 reviews in Chesapeake.
103 Watson Rd, Chesapeake, VA 23320, USA
4.6-star rating from 14 reviews for a Chesapeake insurance agent.
801 Kent Pl, Chesapeake, VA 23320, USA
4.6 stars from 10 Google reviews, reflecting strong local client satisfaction.
524 Albemarle Dr Suite 207, Chesapeake, VA 23322, USA
Known for 4.6 stars from 35 Google reviews, trusted by local clients.
676 Battlefield Blvd N Ste A, Chesapeake, VA 23320, USA
Trusted by clients with a 4.9-star rating from over 150 reviews.
516 Innovation Dr Ste 301, Chesapeake, VA 23320, USA
Consistently earns a stellar 4.9-star rating from over a hundred local reviews.
1407 Stephanie Way Ste A, Chesapeake, VA 23320, USA
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Insurance Agents in Chesapeake, VA — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Joe Sictor - State Farm Insurance Agent | 87/100 | 4.9 ★ | 470 |
| 2 | Michelle Benson-Dumas - State Farm Insurance Agent | 88/100 | 5.0 ★ | 270 |
| 3 | Jenel Proctor - State Farm Insurance Agent | 88/100 | 5.0 ★ | 256 |
| 4 | Kathy Kretz - State Farm Insurance Agent | 82/100 | 4.9 ★ | 114 |
| 5 | COVA Insurance | 76/100 | 4.8 ★ | 51 |
| 6 | Garlow Insurance Agency - Nationwide Insurance | 81/100 | 4.8 ★ | 117 |
| 7 | Direct Auto Insurance | 81/100 | 4.8 ★ | 114 |
| 8 | Shawn Fischer - State Farm Insurance Agent | 84/100 | 5.0 ★ | 111 |
| 9 | AAA Chesapeake Insurance and Member Services | 74/100 | 4.4 ★ | 108 |
| 10 | Corey Jones - State Farm Insurance Agent | 82/100 | 4.9 ★ | 107 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · July 2026
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Frequently Asked Questions — Insurance Agents in Chesapeake
What is the difference between a captive and independent insurance agent in Chesapeake?
Captive agents (State Farm, Allstate, Farmers) represent one company and can only quote that carrier's products. Independent agents work with multiple carriers — they shop your policy across companies to find the best rate and coverage for your situation. For most consumers, an independent agent offers more flexibility. Captive agents may have deeper expertise in their specific carrier's products and claims process.
How do I verify an insurance agent's license in VA?
Search the VA Department of Insurance's online license lookup — Google "VA Department of Insurance license lookup" for the direct link. You can verify current license status, license type, and any disciplinary actions. Every agent selling insurance in VA must be licensed with the state.
How much does working with a local insurance agent in Chesapeake cost?
In most cases, nothing directly. Insurance agents earn commissions paid by the insurance company — typically 5–15% of your annual premium for property/casualty coverage, 40–100% of first-year premium for life insurance. Fee-based agents charge separately and disclose it upfront. Always ask how your agent is compensated so you understand any potential incentives.
Should I buy insurance online or through a local agent in Chesapeake?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Chesapeake adds real value for homeowners insurance, life insurance, commercial policies, or any situation with complexity — rental properties, high-value items, home-based businesses, or coverage gaps. They also advocate for you during a claim, which online portals don't.
How are the insurance agents on this page ranked?
Rankings use a transparent algorithm: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Featured Partner listings have paid for enhanced visibility but must still earn their position through real customer reviews — sponsored listings are clearly labeled.
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How Rankings Work on This Page
Every insurance agents on RatingsNearMe is scored transparently: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Businesses labeled exclusive or premium are Featured Partners — they have paid for enhanced visibility but must still rank through real customer reviews. We cap sponsored boosts so bad businesses can never buy the top spot.
Editorial notice: Ratings are based on publicly available data from Google Business listings. Consumers should independently verify licensing, insurance, and credentials before hiring any service provider. Last updated: July 4, 2026.
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