4.5+ Stars · Apple Valley
Highly Rated Insurance Agents in Apple Valley, MN
Only the best make this list. These insurance agents in Apple Valley have earned 4.5+ star ratings from real customers — consistently.
As of May 2026, RatingsNearMe ranks 18 insurance agents in Apple Valley, MN by verified customer ratings and review volume. The highest-rated is Globe Life American Income Division: Sparby Organization with a 4.8-star rating from 1,143 verified reviews. Also in the top tier: Farmers Insurance - Zachary Burke and Joe Etten - State Farm Insurance Agent. The average rating across all listed insurance agents in Apple Valley is 4.7 stars from 114 reviews per business on average.
Insurance in Apple Valley: agents are typically paid by commission (5–15% of premium) — no cost to you to compare quotes.
Rankings updated May 17, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
18
Businesses listed
4.7★
Avg rating
114
Avg reviews
May 17, 2026
Last updated
Top Rated Insurance Agents
Globe Life American Income Division: Sparby Organization
15322 Galaxie Ave Suite 203A, Apple Valley, MN 55124, USA
Farmers Insurance - Zachary Burke
3480 Upper 149th St W Ste 101, Rosemount, MN 55068, USA
Joe Etten - State Farm Insurance Agent
14501 Granada Dr #101, Apple Valley, MN 55124, USA
Insurance Agents Rankings in Apple Valley, MN
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Globe Life American Income Division: Sparby Organization15322 Galaxie Ave Suite 203A, Apple Valley, MN 55124, USA | 4.8★ | 1,143 |
| #2 | Farmers Insurance - Zachary Burke3480 Upper 149th St W Ste 101, Rosemount, MN 55068, USA | 5.0★ | 286 |
| #3 | Joe Etten - State Farm Insurance Agent14501 Granada Dr #101, Apple Valley, MN 55124, USA | 4.9★ | 97 |
| #4 | Mayer Insurance Agency15025 Garrett Ave #201, Apple Valley, MN 55124, USA | 4.8★ | 28 |
| #5 | Retta Insurance Agency LLC14870 Granada Ave #155, Apple Valley, MN 55124, USA | 4.9★ | 61 |
| #6 | Farmers Insurance - Fink Agency14771 Energy Way, Apple Valley, MN 55124, USA | 4.8★ | 14 |
| #7 | Farmers Insurance - Kara Petter13000 Pilot Knob Rd Ste 1, Apple Valley, MN 55124, USA | 4.9★ | 69 |
| #8 | Brett McSparron - State Farm Insurance Agent15030 Glazier Ave #100, Apple Valley, MN 55124, USA | 4.8★ | 86 |
| #9 | Farmers Insurance - James Harris7300 147th St W, Apple Valley, MN 55124, USA | 5.0★ | 12 |
| #10 | David Simmons Agency6990 151st St W, Apple Valley, MN 55124, USA | 5.0★ | 5 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Insurance Agents in Apple Valley
Mayer Insurance Agency
15025 Garrett Ave #201, Apple Valley, MN 55124, USA
Retta Insurance Agency LLC
14870 Granada Ave #155, Apple Valley, MN 55124, USA
Farmers Insurance - Fink Agency
14771 Energy Way, Apple Valley, MN 55124, USA
Farmers Insurance - Kara Petter
13000 Pilot Knob Rd Ste 1, Apple Valley, MN 55124, USA
Brett McSparron - State Farm Insurance Agent
15030 Glazier Ave #100, Apple Valley, MN 55124, USA
Farmers Insurance - James Harris
7300 147th St W, Apple Valley, MN 55124, USA
David Simmons Agency
6990 151st St W, Apple Valley, MN 55124, USA
Dave Melle - State Farm Insurance Agent
14831 Energy Way, Apple Valley, MN 55124, USA
Debra Suman American Family Insurance
14698 Galaxie Ave, Apple Valley, MN 55124, USA
Justin Evans: Allstate Insurance
4827 123rd St W, Savage, MN 55378, USA
Ginther Personal Insurance Agency
15010 Glazier Ave Ste. 201, Apple Valley, MN 55124, USA
Kiley and Associates LLC American Family Insurance
7373 147th St W #186, Apple Valley, MN 55124, USA
AAA Insurance - Patrick Bevan Agency
7600 147th St W #102, Apple Valley, MN 55124, USA
Horace Mann Insurance Co
14851 Energy Way, Apple Valley, MN 55124, USA
Farmers Insurance - Jason Gallus
14540 Pennock Ave #101, Apple Valley, MN 55124, USA
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Frequently Asked Questions — Insurance Agents in Apple Valley
What is the difference between a captive and independent insurance agent in Apple Valley?
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 MN?
Search the MN Department of Insurance's online license lookup — Google "MN 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 MN must be licensed with the state.
How much does working with a local insurance agent in Apple Valley 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 Apple Valley?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Apple Valley 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: May 17, 2026.
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