24/7 Available · Ann Arbor
24-Hour Insurance Agents in Ann Arbor, MI — Always Available
Emergencies don't keep business hours. These insurance agents in Ann Arbor are available 24 hours a day, 7 days a week — including holidays.
As of July 2026, RatingsNearMe ranks 20 insurance agents in Ann Arbor, MI by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Tom Pelham - State Farm Insurance Agent with a 5.0-star rating from 548 Google reviews and an RNM Score of 88/100. Also in the top tier: Kevin Shettler - State Farm Insurance Agent and Aaron Richards - State Farm insurance Agent. The average rating across all listed insurance agents in Ann Arbor is 4.8 stars from 171 reviews per business on average.
Insurance in Ann Arbor: 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
Gallagher Insurance, Risk Management & Consulting
Gallagher stands out as a top-ranked national broker with extensive resources and a strong local presence in Ann Arbor.
Most Reviewed
Kevin Shettler - State Farm Insurance Agent
A high review count indicates broad customer experience and trust, helping you gauge service consistency.
Consider your specific needs: large brokers like Gallagher offer comprehensive options, while local agents like Kevin Shettler provide personalized service. Always compare quotes and read recent reviews to find the best fit.
Local Market Snapshot
20
Businesses listed
4.8★
Avg rating
171
Avg reviews
Jul 4, 2026
Last updated
Top Rated Insurance Agents
Rated 5.0 stars from over 500 Google reviews, serving Ann Arbor with trusted insurance guidance.
2178 S State St Suite B, Ann Arbor, MI 48104, USATrusted by hundreds of local clients with a flawless 5.0-star rating.
1935 Pauline Blvd Ste 100A, Ann Arbor, MI 48103, USATop-rated Ann Arbor insurance agent with a perfect 5.0 stars from 364 reviews.
530 S Maple Rd, Ann Arbor, MI 48103, USAInsurance Agents Rankings in Ann Arbor, MI
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Tom Pelham - State Farm Insurance Agent2178 S State St Suite B, Ann Arbor, MI 48104, USA | 5.0★ | 548 |
| #2 | Kevin Shettler - State Farm Insurance Agent1935 Pauline Blvd Ste 100A, Ann Arbor, MI 48103, USA | 5.0★ | 411 |
| #3 | Aaron Richards - State Farm insurance Agent530 S Maple Rd, Ann Arbor, MI 48103, USA | 5.0★ | 364 |
| #4 | Jordan Goebel - State Farm Insurance Agent3003 Washtenaw Ave Suite 5, Ann Arbor, MI 48104, USA | 5.0★ | 36 |
| #5 | Ann Arbor Insurance Associates, LLC1793 W Stadium Blvd, Ann Arbor, MI 48103, USA | 4.3★ | 22 |
| #6 | Arbor Insurance Agency, Inc.2750 Carpenter Rd #3, Ann Arbor, MI 48108, USA | 4.6★ | 17 |
| #7 | Chuck Knuth - State Farm Insurance Agent3570 Plymouth Rd, Ann Arbor, MI 48105, USA | 5.0★ | 333 |
| #8 | Demetrike Wells-O'Brien - State Farm Insurance Agent2739 Plymouth Rd Ste B, Ann Arbor, MI 48105, USA | 5.0★ | 227 |
| #9 | Heidi Kussurelis Insurance2405 S Main St, Ann Arbor, MI 48103, USA | 4.8★ | 153 |
| #10 | Farmers Insurance - Julia Jakacki323 S Main St Ste A, Ann Arbor, MI 48104, USA | 4.9★ | 131 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Insurance Agents in Ann Arbor
Top-rated Ann Arbor insurance agent with a perfect 5.0-star rating from 36 reviews.
3003 Washtenaw Ave Suite 5, Ann Arbor, MI 48104, USA
Trusted Ann Arbor insurance agent with a solid 4.3-star rating from 22 reviews.
1793 W Stadium Blvd, Ann Arbor, MI 48103, USA
Consistently rated 4.6 stars across 17 Google reviews for local insurance needs.
2750 Carpenter Rd #3, Ann Arbor, MI 48108, USA
Trusted by hundreds of clients, this Ann Arbor agent holds a flawless 5.0-star rating.
3570 Plymouth Rd, Ann Arbor, MI 48105, USA
Trusted Ann Arbor insurance agent with a perfect 5.0-star rating from over 200 reviews.
2739 Plymouth Rd Ste B, Ann Arbor, MI 48105, USA
Trusted Ann Arbor insurance agent with a 4.8★ rating from over 150 reviews.
2405 S Main St, Ann Arbor, MI 48103, USA
Trusted by hundreds of locals with an exceptional 4.9★ rating.
323 S Main St Ste A, Ann Arbor, MI 48104, USA
Trusted Ann Arbor insurance agent with a 4.9-star rating from 128 reviews.
2755 Carpenter Rd, Ann Arbor, MI 48108, USA
Highly rated Ann Arbor insurance agent with 4.5 stars from over 100 reviews.
Floor Seven, 202 E Washington St Suite 711, Ann Arbor, MI 48104, USA
Ann Arbor insurance agent with a 4.9-star rating from 83 Google reviews.
2531 Jackson Ave #318, Ann Arbor, MI 48103, USA
A local Ann Arbor insurance agent with an exceptional 4.9-star rating from 75 reviews.
4884 S State Rd, Ann Arbor, MI 48108, USA
4.5 stars from 14 reviews, reflecting strong local customer satisfaction.
3025 Boardwalk Dr UNIT 157, Ann Arbor, MI 48108, USA
3.8 stars from 25 Google reviews, indicating generally mixed customer experiences.
1201 Briarwood Cir, Ann Arbor, MI 48108, USA
Trusted Ann Arbor insurance agent with a 4.9★ rating from over 120 reviews.
1250 S Main St, Chelsea, MI 48118, USA
Rated 4.8 stars from 66 reviews, this Ann Arbor insurance agent is highly trusted.
305 E Eisenhower Pkwy #200, Ann Arbor, MI 48108, USA
Trusted by hundreds of Ann Arbor clients with a nearly perfect 4.9-star rating.
709 W Ellsworth Rd Ste 112, Ann Arbor, MI 48108, USA
Top-rated Ann Arbor insurance agent with 5.0 stars from over 260 reviews.
2750 Carpenter Rd Suite 1, Ann Arbor, MI 48108, USA
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Insurance Agents in Ann Arbor, MI — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Tom Pelham - State Farm Insurance Agent | 88/100 | 5.0 ★ | 548 |
| 2 | Kevin Shettler - State Farm Insurance Agent | 88/100 | 5.0 ★ | 411 |
| 3 | Aaron Richards - State Farm insurance Agent | 88/100 | 5.0 ★ | 364 |
| 4 | Jordan Goebel - State Farm Insurance Agent | 78/100 | 5.0 ★ | 36 |
| 5 | Ann Arbor Insurance Associates, LLC | 63/100 | 4.3 ★ | 22 |
| 6 | Arbor Insurance Agency, Inc. | 67/100 | 4.6 ★ | 17 |
| 7 | Chuck Knuth - State Farm Insurance Agent | 88/100 | 5.0 ★ | 333 |
| 8 | Demetrike Wells-O'Brien - State Farm Insurance Agent | 88/100 | 5.0 ★ | 227 |
| 9 | Heidi Kussurelis Insurance | 82/100 | 4.8 ★ | 153 |
| 10 | Farmers Insurance - Julia Jakacki | 83/100 | 4.9 ★ | 131 |
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 Ann Arbor
What is the difference between a captive and independent insurance agent in Ann Arbor?
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 MI?
Search the MI Department of Insurance's online license lookup — Google "MI 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 MI must be licensed with the state.
How much does working with a local insurance agent in Ann Arbor 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 Ann Arbor?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Ann Arbor 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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