Licensed · Toledo
Licensed & Insured Insurance Agents in Toledo, OH
Every insurance agents listed here carries proper licensing and insurance in OH. Protect yourself — always verify credentials before work begins.
As of July 2026, RatingsNearMe ranks 18 insurance agents in Toledo, OH by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Martin & Lark Insurance Agency with a 4.9-star rating from 630 Google reviews and an RNM Score of 87/100. Also in the top tier: Knight Insurance Group and T-Mychals Darrington Agency, LLC American Family Insurance. The average rating across all listed insurance agents in Toledo is 4.7 stars from 146 reviews per business on average.
Insurance in Toledo: 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
Regan Insurance
Regan Insurance is consistently recognized as a top-ranked agency in Toledo, offering personalized service and a wide range of coverage options.
Most Reviewed
Martin & Lark Insurance Agency
A high number of reviews reflects strong customer trust and proven reliability in handling claims and policies.
When choosing an insurance agent in Toledo, compare quotes from multiple agencies and read recent customer reviews to ensure the agent aligns with your specific coverage needs and service expectations.
Local Market Snapshot
18
Businesses listed
4.7★
Avg rating
146
Avg reviews
Jul 4, 2026
Last updated
Top Rated Insurance Agents
Trusted by hundreds of clients with a stellar 4.9-star average rating.
1265 Dixie Hwy, Rossford, OH 43460, USAToledo's top-rated insurance agent, holding a flawless 5.0★ from over 300 reviews.
22 N Erie St, Toledo, OH 43604, USAToledo's top-rated insurance agent with a perfect 5.0-star rating from 284 reviews.
1455 S Reynolds Rd, Toledo, OH 43615, USAInsurance Agents Rankings in Toledo, OH
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Martin & Lark Insurance Agency1265 Dixie Hwy, Rossford, OH 43460, USA | 4.9★ | 630 |
| #2 | Knight Insurance Group22 N Erie St, Toledo, OH 43604, USA | 5.0★ | 322 |
| #3 | T-Mychals Darrington Agency, LLC American Family Insurance1455 S Reynolds Rd, Toledo, OH 43615, USA | 5.0★ | 284 |
| #4 | Regan Insurance3034 W Sylvania Ave, Toledo, OH 43613, USA | 4.7★ | 23 |
| #5 | RBI Insurance Agency & Financial Services3421 N Holland Sylvania Rd, Toledo, OH 43615, USA | 4.9★ | 210 |
| #6 | Fuller & Sons Insurance Agency LLC5660 Southwyck Blvd Suite 200A, Toledo, OH 43614, USA | 4.9★ | 104 |
| #7 | American Casualty Insurance Agency6060 Renaissance Pl Suite E, Toledo, OH 43623, USA | 5.0★ | 49 |
| #8 | Westgate Insurance Agency3450 Central Ave #344, Toledo, OH 43606, USA | 3.5★ | 28 |
| #9 | Acceptance Insurance3606 W Sylvania Ave, Toledo, OH 43623, USA | 4.6★ | 243 |
| #10 | Gus Badra Agency - Insurance Brokers3454 Oak Alley Ct #106, Toledo, OH 43606, USA | 4.7★ | 216 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Insurance Agents in Toledo
4.7 stars from 23 Google reviews, reflecting strong local customer trust.
3034 W Sylvania Ave, Toledo, OH 43613, USA
Rated 4.9 stars from 210 Google reviews in Toledo.
3421 N Holland Sylvania Rd, Toledo, OH 43615, USA
Toledo's top-rated insurance agent with 4.9 stars from over 100 reviews.
5660 Southwyck Blvd Suite 200A, Toledo, OH 43614, USA
Toledo's top-rated insurance agent with a perfect 5.0 stars from 49 reviews.
6060 Renaissance Pl Suite E, Toledo, OH 43623, USA
28 Google reviews give this Toledo insurance agent a 3.5-star rating.
3450 Central Ave #344, Toledo, OH 43606, USA
Trusted by hundreds of local clients, this Toledo agency holds a strong 4.6-star rating.
3606 W Sylvania Ave, Toledo, OH 43623, USA
A trusted local insurer with a 4.7-star rating from over 200 reviews.
3454 Oak Alley Ct #106, Toledo, OH 43606, USA
Trusted by locals with a stellar 4.8★ rating from nearly 90 reviews.
505 Main St, Toledo, OH 43605, USA
4.9-star rating from 60 Google reviews, reflecting trusted local service.
4052 N Holland Sylvania Rd, Toledo, OH 43623, USA
Trusted by hundreds of local clients with a stellar 4.8-star rating.
2828 Central Ave, Toledo, OH 43606, USA
Proudly serving Toledo with a flawless 5.0-star rating from 88 reviews.
7640 W Bancroft St Suite 1, Toledo, OH 43617, USA
Top-rated insurance agent in Toledo with a perfect 5.0-star rating from 32 reviews.
5151 Monroe St STE 250B, Toledo, OH 43623, USA
4.8 stars from 28 Google reviews, reflecting consistently excellent local service.
5215 Monroe St #15, Toledo, OH 43623, USA
4.1 stars from 28 reviews, trusted by locals in Toledo.
3005 Douglas Rd, Toledo, OH 43606, USA
Toledo insurance agent with a 4.9-star rating from 28 Google reviews.
4452 Heatherdowns Blvd, Toledo, OH 43614, USA
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Insurance Agents in Toledo, OH — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Martin & Lark Insurance Agency | 87/100 | 4.9 ★ | 630 |
| 2 | Knight Insurance Group | 88/100 | 5.0 ★ | 322 |
| 3 | T-Mychals Darrington Agency, LLC American Family Insurance | 88/100 | 5.0 ★ | 284 |
| 4 | Regan Insurance | 70/100 | 4.7 ★ | 23 |
| 5 | RBI Insurance Agency & Financial Services | 86/100 | 4.9 ★ | 210 |
| 6 | Fuller & Sons Insurance Agency LLC | 82/100 | 4.9 ★ | 104 |
| 7 | American Casualty Insurance Agency | 80/100 | 5.0 ★ | 49 |
| 8 | Westgate Insurance Agency | 51/100 | 3.5 ★ | 28 |
| 9 | Acceptance Insurance | 81/100 | 4.6 ★ | 243 |
| 10 | Gus Badra Agency - Insurance Brokers | 82/100 | 4.7 ★ | 216 |
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 Toledo
What is the difference between a captive and independent insurance agent in Toledo?
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 OH?
Search the OH Department of Insurance's online license lookup — Google "OH 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 OH must be licensed with the state.
How much does working with a local insurance agent in Toledo 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 Toledo?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Toledo 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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