10+ Years · San Diego
Experienced Insurance Agents in San Diego, CA
Experience matters. These insurance agents in San Diego have years of proven work behind them — and the reviews to back it up.
As of July 2026, RatingsNearMe ranks 19 insurance agents in San Diego, CA by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Fusco Orsini & Associates Insurance Services with a 5.0-star rating from 609 Google reviews and an RNM Score of 100/100. Also in the top tier: Bluewave Insurance Services and Doug Steiner - State Farm Insurance Agent. The average rating across all listed insurance agents in San Diego is 4.9 stars from 273 reviews per business on average.
Insurance in San Diego: 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
California Brokerage Insurance Associates
This business is consistently top-ranked due to its exceptional customer service and comprehensive insurance offerings tailored to San Diego residents.
Most Reviewed
Freeway Insurance
A high review count signals broad trust and proven satisfaction among many customers, making it a reliable choice.
When choosing an insurance agent in San Diego, compare quotes from multiple top-ranked agencies and prioritize those with strong local reputations and responsive support. Verify licensing and read recent reviews to ensure the agent meets your specific coverage needs.
Local Market Snapshot
19
Businesses listed
4.9★
Avg rating
273
Avg reviews
Jul 4, 2026
Last updated
Top Rated Insurance Agents
Top-rated San Diego insurance agent with 5.0 stars from over 600 reviews.
8880 Rio San Diego Dr Ste 725, San Diego, CA 92108, USASan Diego insurance agent with a perfect 5.0★ rating from over 500 reviews.
2221 Camino del Rio S STE 305, San Diego, CA 92108, USATrusted San Diego insurance agent with a flawless 5.0-star rating from 840 reviews.
406 Ninth Ave Ste 204, San Diego, CA 92101, USAInsurance Agents Rankings in San Diego, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Fusco Orsini & Associates Insurance Services8880 Rio San Diego Dr Ste 725, San Diego, CA 92108, USA | 5.0★ | 609 |
| #2 | Bluewave Insurance Services2221 Camino del Rio S STE 305, San Diego, CA 92108, USA | 5.0★ | 515 |
| #3 | Doug Steiner - State Farm Insurance Agent406 Ninth Ave Ste 204, San Diego, CA 92101, USA | 5.0★ | 840 |
| #4 | Right Time Insurance Services1761 Hotel Cir S, San Diego, CA 92108, USA | 4.9★ | 342 |
| #5 | Hultz Insurance944 C St, San Diego, CA 92101, USA | 4.7★ | 67 |
| #6 | San Diego General Insurance Agency, Inc.11440 W Bernardo Ct, San Diego, CA 92127, USA | 4.4★ | 36 |
| #7 | iNeed Insurance & More1455 Frazee Rd, San Diego, CA 92108, USA | 5.0★ | 26 |
| #8 | Low Cost Car Insurance Consultants LLC5473 Kearny Villa Rd #393, San Diego, CA 92123, USA | 5.0★ | 5 |
| #9 | The Insurance Store10981 San Diego Mission Rd #230, San Diego, CA 92108, USA | 5.0★ | 402 |
| #10 | San Diego Insurance8081 Balboa Ave, San Diego, CA 92111, USA | 4.9★ | 110 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Insurance Agents in San Diego
Trusted by hundreds of San Diego clients, this agent holds a near-perfect 4.9-star rating.
1761 Hotel Cir S, San Diego, CA 92108, USA
Shoppers praise this San Diego insurance agent, earning a strong 4.7-star rating from 67 reviews.
944 C St, San Diego, CA 92101, USA
Trusted local agent with a solid 4.4-star rating from dozens of reviews.
11440 W Bernardo Ct, San Diego, CA 92127, USA
5.0 stars from 26 reviews—trusted San Diego insurance expertise.
1455 Frazee Rd, San Diego, CA 92108, USA
Top-rated San Diego insurance agent with a perfect 5.0-star rating from 5 reviews.
5473 Kearny Villa Rd #393, San Diego, CA 92123, USA
Trusted by hundreds of San Diego clients with a perfect 5.0-star rating.
10981 San Diego Mission Rd #230, San Diego, CA 92108, USA
A trusted San Diego insurance agent with a 4.9-star rating from over 100 Google reviews.
8081 Balboa Ave, San Diego, CA 92111, USA
Known for a solid 4.4-star rating from over 670 local Google reviews.
2440 Hotel Cir N, San Diego, CA 92108, USA
San Diego's top-rated insurance agent with a perfect 5.0 stars from 80 reviews.
101 W Broadway #1460, San Diego, CA 92101, USA
Top-rated San Diego insurance agent with a perfect 5.0★ from over 170 reviews.
3511 Camino del Rio S UNIT 403, San Diego, CA 92108, USA
Known for exceptional 4.9-star service from 74 trusted Google reviews in San Diego.
3517 Camino del Rio S Suite 215 PMB 1601, San Diego, CA 92108, USA
5.0 stars from over 200 reviews, reflecting exceptional client satisfaction in San Diego.
4849 Ronson Ct # 210, San Diego, CA 92111, USA
Trusted San Diego insurance agent with a 4.9-star rating from over 140 reviews.
1851 San Diego Ave #120, San Diego, CA 92110, USA
Trusted by hundreds of San Diego clients with a 4.7-star average rating.
1333 Camino del Rio S #102, San Diego, CA 92108, USA
Rated 5.0 stars from 78 Google reviews, this San Diego insurance agent is highly trusted.
1437 Morena Blvd # 201, San Diego, CA 92110, USA
Trusted San Diego insurance agent with 4.7 stars from 370 Google reviews.
9968 Hibert St #104, San Diego, CA 92131, USA
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Insurance Agents in San Diego, CA — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Fusco Orsini & Associates Insurance Services | 100/100 | 5.0 ★ | 609 |
| 2 | Bluewave Insurance Services | 100/100 | 5.0 ★ | 515 |
| 3 | Doug Steiner - State Farm Insurance Agent | 92/100 | 5.0 ★ | 840 |
| 4 | Right Time Insurance Services | 98/100 | 4.9 ★ | 342 |
| 5 | Hultz Insurance | 79/100 | 4.7 ★ | 67 |
| 6 | San Diego General Insurance Agency, Inc. | 79/100 | 4.4 ★ | 36 |
| 7 | iNeed Insurance & More | 76/100 | 5.0 ★ | 26 |
| 8 | Low Cost Car Insurance Consultants LLC | 68/100 | 5.0 ★ | 5 |
| 9 | The Insurance Store | 100/100 | 5.0 ★ | 402 |
| 10 | San Diego Insurance | 94/100 | 4.9 ★ | 110 |
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 San Diego
What is the difference between a captive and independent insurance agent in San Diego?
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 CA?
Search the CA Department of Insurance's online license lookup — Google "CA 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 CA must be licensed with the state.
How much does working with a local insurance agent in San Diego 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 San Diego?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in San Diego 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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