Pricing Guide · Phoenix
Insurance Agents Cost in Phoenix, AZ — 2026 Price Guide
What should you pay for insurance agents in Phoenix? See real 2026 price ranges from local pros and get free quotes to compare.
As of July 2026, RatingsNearMe ranks 16 insurance agents in Phoenix, AZ by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Insurance Brokers of Arizona with a 4.9-star rating from 2,233 Google reviews and an RNM Score of 98/100. Also in the top tier: Acceptance Insurance and Freeway Insurance. The average rating across all listed insurance agents in Phoenix is 4.7 stars from 435 reviews per business on average.
Insurance in Phoenix: 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
Crown Insurance
Crown Insurance is top-ranked due to its strong reputation and comprehensive coverage options.
Most Reviewed
State insurance Agent Phoenix
A high review count indicates trust and reliability from many customers.
When choosing an insurance agent in Phoenix, compare quotes from multiple top-ranked agencies and read recent reviews to ensure they meet your specific needs.
Local Market Snapshot
16
Businesses listed
4.7★
Avg rating
435
Avg reviews
Jul 4, 2026
Last updated
Top Rated Insurance Agents
4.9-star rating from over 2,200 Google reviews for Phoenix insurance expertise.
690 E Warner Rd Ste 108, Gilbert, AZ 85296, USARated 4.9 stars from over one thousand genuine Google reviews.
2929 N 75th Ave # 14, Phoenix, AZ 85033, USATrusted by over 1,000 clients with a near-perfect 4.9-star rating.
1330 W Indian School Rd, Phoenix, AZ 85013, USAInsurance Agents Rankings in Phoenix, AZ
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Insurance Brokers of Arizona690 E Warner Rd Ste 108, Gilbert, AZ 85296, USA | 4.9★ | 2,233 |
| #2 | Acceptance Insurance2929 N 75th Ave # 14, Phoenix, AZ 85033, USA | 4.9★ | 1,054 |
| #3 | Freeway Insurance1330 W Indian School Rd, Phoenix, AZ 85013, USA | 4.9★ | 1,032 |
| #4 | Rate Crushers Insurance Brokers Arizona20 E Thomas Rd, Phoenix, AZ 85012, USA | 4.3★ | 13 |
| #5 | Actance Affordable Insurance Agency - Phoenix AZ2390 E Camelback Rd #306, Phoenix, AZ 85016, USA | 5.0★ | 5 |
| #6 | Progressive PhoenixE Jefferson St, Phoenix, AZ 85003, USA | 3.7★ | 3 |
| #7 | Touchdown Insurance11022 S 51st St #205, Phoenix, AZ 85044, USA | 5.0★ | 287 |
| #8 | T D INSURANCE4020 N 20th St #105, Phoenix, AZ 85016, USA | 4.9★ | 93 |
| #9 | Arizona Agency: Allstate Insurance2200 E Camelback Rd #218, Phoenix, AZ 85016, USA | 4.9★ | 188 |
| #10 | Crown Insurance2432 W Peoria Ave suite 1072, Phoenix, AZ 85029, USA | 4.9★ | 400 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Insurance Agents in Phoenix
Rated 4.3 stars from 13 Google reviews, a solid local insurance option.
20 E Thomas Rd, Phoenix, AZ 85012, USA
Top-rated Phoenix insurance agent with a perfect 5.0-star score from 5 reviews.
2390 E Camelback Rd #306, Phoenix, AZ 85016, USA
3.7 stars from 3 reviews; mixed feedback from a small number of clients.
E Jefferson St, Phoenix, AZ 85003, USA
Top-rated Phoenix insurance agent with 5.0 stars from nearly 300 reviews.
11022 S 51st St #205, Phoenix, AZ 85044, USA
A trusted local insurance agent with 4.9 stars from 93 reviews in Phoenix.
4020 N 20th St #105, Phoenix, AZ 85016, USA
Trusted by hundreds of clients with a near-perfect 4.9-star rating in Phoenix.
2200 E Camelback Rd #218, Phoenix, AZ 85016, USA
Trusted by hundreds of locals, this Phoenix agent maintains a stellar 4.9-star Google rating.
2432 W Peoria Ave suite 1072, Phoenix, AZ 85029, USA
Earned a perfect 5.0-star rating from over 600 verified customer reviews.
20823 N Cave Creek Rd Building B Suite 101, Phoenix, AZ 85024, USA
4.8 stars from nearly 500 reviews makes this Phoenix insurance agent a trusted choice.
1940 E Camelback Rd # 204, Phoenix, AZ 85016, USA
Hundreds of local reviews give this Phoenix insurance agent a perfect 5.0-star rating.
4742 N 24th St suite 355, Phoenix, AZ 85016, USA
A 3.6-star rating from 30 Google reviews suggests generally mixed customer experiences.
546 E Willetta St, Phoenix, AZ 85004, USA
Top-rated Phoenix insurance agent with a perfect 5.0★ rating from nearly 200 reviews.
2415 E Camelback Rd 700 Suite A, Phoenix, AZ 85016, USA
4.9 stars from 145 Google reviews, reflecting exceptional local service.
11225 N 28th Dr B246, Phoenix, AZ 85029, USA
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Insurance Agents in Phoenix, AZ — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Insurance Brokers of Arizona | 98/100 | 4.9 ★ | 2,233 |
| 2 | Acceptance Insurance | 98/100 | 4.9 ★ | 1,054 |
| 3 | Freeway Insurance | 98/100 | 4.9 ★ | 1,032 |
| 4 | Rate Crushers Insurance Brokers Arizona | 72/100 | 4.3 ★ | 13 |
| 5 | Actance Affordable Insurance Agency - Phoenix AZ | 68/100 | 5.0 ★ | 5 |
| 6 | Progressive Phoenix | 55/100 | 3.7 ★ | 3 |
| 7 | Touchdown Insurance | 100/100 | 5.0 ★ | 287 |
| 8 | T D INSURANCE | 93/100 | 4.9 ★ | 93 |
| 9 | Arizona Agency: Allstate Insurance | 97/100 | 4.9 ★ | 188 |
| 10 | Crown Insurance | 98/100 | 4.9 ★ | 400 |
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 Phoenix
What is the difference between a captive and independent insurance agent in Phoenix?
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 AZ?
Search the AZ Department of Insurance's online license lookup — Google "AZ 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 AZ must be licensed with the state.
How much does working with a local insurance agent in Phoenix 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 Phoenix?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Phoenix 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.
Insurance Agents in Nearby Cities
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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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