Top Picks · Carlsbad
Best Insurance Agents in Carlsbad, CA
Rated and reviewed by real customers. Compare prices, read reviews, and call the top pros near you — for free.
As of May 2026, RatingsNearMe ranks 18 insurance agents in Carlsbad, CA by verified customer ratings and review volume. The highest-rated is Gaslamp Insurance with a 4.6-star rating from 1,705 verified reviews. Also in the top tier: Ryan Waggener - State Farm Insurance Agent and Hayek Insurance. The average rating across all listed insurance agents in Carlsbad is 4.8 stars from 229 reviews per business on average.
Insurance in Carlsbad: 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
4.8★
Avg rating
229
Avg reviews
May 17, 2026
Last updated
Top Rated Insurance Agents
Gaslamp Insurance
2244 Faraday Ave #125, Carlsbad, CA 92008, USA
Ryan Waggener - State Farm Insurance Agent
2710 Loker Ave W Suite 210, Carlsbad, CA 92010, USA
Hayek Insurance
2777 Jefferson St Suite 203-D, Carlsbad, CA 92008, USA
Insurance Agents Rankings in Carlsbad, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Gaslamp Insurance2244 Faraday Ave #125, Carlsbad, CA 92008, USA | 4.6★ | 1,705 |
| #2 | Ryan Waggener - State Farm Insurance Agent2710 Loker Ave W Suite 210, Carlsbad, CA 92010, USA | 5.0★ | 373 |
| #3 | Hayek Insurance2777 Jefferson St Suite 203-D, Carlsbad, CA 92008, USA | 5.0★ | 314 |
| #4 | Dave Miller Insurance2318 Pio Pico Dr, Carlsbad, CA 92008, USA | 4.9★ | 64 |
| #5 | Katie Harlan - State Farm Insurance Agent7040 Avenida Encinas #202, Carlsbad, CA 92011, USA | 5.0★ | 115 |
| #6 | JP Hayes Insurance Agency3129 Tiger Run Ct Ste 201, Carlsbad, CA 92010, USA | 4.9★ | 69 |
| #7 | Alita Ameneyro - State Farm Insurance Agent2888 Loker Ave E #208, Carlsbad, CA 92010, USA | 5.0★ | 273 |
| #8 | Brightway Insurance, The Crumbaker Agency3129 Tiger Run Ct Ste 203, Carlsbad, CA 92010, USA | 5.0★ | 50 |
| #9 | Metro Coast Insurance Services, LLC2173 Salk Ave Suite 250, Carlsbad, CA 92008, USA | 5.0★ | 12 |
| #10 | SPF Insurance Services Carlsbad7736 Via Rico, Carlsbad, CA 92009, USA | 4.9★ | 10 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Insurance Agents in Carlsbad
Katie Harlan - State Farm Insurance Agent
7040 Avenida Encinas #202, Carlsbad, CA 92011, USA
JP Hayes Insurance Agency
3129 Tiger Run Ct Ste 201, Carlsbad, CA 92010, USA
Alita Ameneyro - State Farm Insurance Agent
2888 Loker Ave E #208, Carlsbad, CA 92010, USA
Brightway Insurance, The Crumbaker Agency
3129 Tiger Run Ct Ste 203, Carlsbad, CA 92010, USA
Metro Coast Insurance Services, LLC
2173 Salk Ave Suite 250, Carlsbad, CA 92008, USA
Carlsbad General Insurance Agency LLC
2413 Lapis Rd, Carlsbad, CA 92009, USA
Luke Dix - State Farm Insurance Agent
1901 Camino Vida Roble STE 115, Carlsbad, CA 92008, USA
Robin Horton: Allstate Insurance
2382 Camino Vida Roble Ste M, Carlsbad, CA 92011, USA
Walt Waggener - State Farm Insurance Agent
2710 Loker Ave W Ste 210, Carlsbad, CA 92010, USA
Ken May Insurance Services
3146 Tiger Run Ct #114, Carlsbad, CA 92010, USA
Hugh Kollar - State Farm Insurance Agent
2979 State St # C, Carlsbad, CA 92008, USA
Advanced Brokers Insurance Services
325 Carlsbad Village Dr G2, Carlsbad, CA 92008, USA
Get Free Quotes
We'll connect you with the top insurance agents in Carlsbad, CA.
Frequently Asked Questions — Insurance Agents in Carlsbad
What is the difference between a captive and independent insurance agent in Carlsbad?
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 Carlsbad 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 Carlsbad?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Carlsbad 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
Compare top-rated insurance agents in cities near you.
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.
More Home Services in Carlsbad
Related Searches
More ways to find insurance agents in Carlsbad
Insurance Agents in nearby cities