4.5+ Stars · Baytown
Highly Rated Insurance Agents in Baytown, TX
Only the best make this list. These insurance agents in Baytown have earned 4.5+ star ratings from real customers — consistently.
As of May 2026, RatingsNearMe ranks 20 insurance agents in Baytown, TX by verified customer ratings and review volume. The highest-rated is Jenny Montes - State Farm Insurance Agent with a 5.0-star rating from 766 verified reviews. Also in the top tier: Freeway Insurance and Randy Casey - State Farm Insurance Agent. The average rating across all listed insurance agents in Baytown is 4.7 stars from 144 reviews per business on average.
Insurance in Baytown: 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
20
Businesses listed
4.7★
Avg rating
144
Avg reviews
May 17, 2026
Last updated
Top Rated Insurance Agents
Jenny Montes - State Farm Insurance Agent
706 E Cedar Bayou Lynchburg Rd, Baytown, TX 77521, USA
Freeway Insurance
1248 Garth Rd Ste E, Baytown, TX 77520, USA
Randy Casey - State Farm Insurance Agent
4406 N Main St, Baytown, TX 77521, USA
Insurance Agents Rankings in Baytown, TX
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Jenny Montes - State Farm Insurance Agent706 E Cedar Bayou Lynchburg Rd, Baytown, TX 77521, USA | 5.0★ | 766 |
| #2 | Freeway Insurance1248 Garth Rd Ste E, Baytown, TX 77520, USA | 4.8★ | 444 |
| #3 | Randy Casey - State Farm Insurance Agent4406 N Main St, Baytown, TX 77521, USA | 4.9★ | 347 |
| #4 | Baja Auto Insurance1248 Garth Rd, Baytown, TX 77520, USA | 4.8★ | 10 |
| #5 | AZ Auto Insurance3602 Garth Rd, Baytown, TX 77521, USA | 4.5★ | 193 |
| #6 | Harris County Insurance Center - Baytown, Texas608 Rollingbrook Dr, Baytown, TX 77521, USA | 4.7★ | 47 |
| #7 | Baytown Insurance123 E Texas Ave, Baytown, TX 77520, USA | 4.7★ | 79 |
| #8 | Trevco Insurance Agency411 N Alexander Dr, Baytown, TX 77520, USA | 4.7★ | 78 |
| #9 | Sapp Insurance Agency: Allstate Insurance4001 Garth Rd Suite 101, Baytown, TX 77521, USA | 4.6★ | 114 |
| #10 | Amtex Insurance4611 Garth Rd ste 400, Baytown, TX 77521, USA | 4.6★ | 110 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Insurance Agents in Baytown
Baja Auto Insurance
1248 Garth Rd, Baytown, TX 77520, USA
AZ Auto Insurance
3602 Garth Rd, Baytown, TX 77521, USA
Harris County Insurance Center - Baytown, Texas
608 Rollingbrook Dr, Baytown, TX 77521, USA
Baytown Insurance
123 E Texas Ave, Baytown, TX 77520, USA
Trevco Insurance Agency
411 N Alexander Dr, Baytown, TX 77520, USA
Sapp Insurance Agency: Allstate Insurance
4001 Garth Rd Suite 101, Baytown, TX 77521, USA
Amtex Insurance
4611 Garth Rd ste 400, Baytown, TX 77521, USA
Farmers Insurance - Maribel Castillo
5702 Garth Rd Ste 200, Baytown, TX 77521, USA
Ai United Insurance
1615 N Alexander Dr, Baytown, TX 77520, USA
Jeff Brabham Agency Inc: Allstate Insurance
6919 Garth Rd, Baytown, TX 77521, USA
Nationwide Insurance: Cather Insurance Agency
230 W Cedar Bayou Lynchburg Rd, Baytown, TX 77521, USA
Erik Hirsch - GEICO Insurance Agent
4808 East Fwy, Baytown, TX 77521, USA
Affordable Insurance Baytown
1401 Lacy Dr, Baytown, TX 77520, USA
A-MAX Auto Insurance
3500 Garth Rd Ste. E500, Baytown, TX 77521, USA
Easy Insurance Agency TX
1812 N Main St, Baytown, TX 77520, USA
Ed Martinez: Allstate Insurance
700 Rollingbrook Dr ste f, Baytown, TX 77521, USA
TWFG Ratliff Insurance
501 W Texas Ave, Baytown, TX 77520, USA
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Frequently Asked Questions — Insurance Agents in Baytown
What is the difference between a captive and independent insurance agent in Baytown?
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 TX?
Search the TX Department of Insurance's online license lookup — Google "TX 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 TX must be licensed with the state.
How much does working with a local insurance agent in Baytown 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 Baytown?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Baytown 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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