Licensed · Carmel
Licensed & Insured Insurance Agents in Carmel, IN
Every insurance agents listed here carries proper licensing and insurance in IN. Protect yourself — always verify credentials before work begins.
As of May 2026, RatingsNearMe ranks 19 insurance agents in Carmel, IN by verified customer ratings and review volume. The highest-rated is Dean Ballenger Agency Inc with a 5.0-star rating from 610 verified reviews. Also in the top tier: Hittle Insurance and Adam Jurs State Farm Insurance Agency. The average rating across all listed insurance agents in Carmel is 4.9 stars from 154 reviews per business on average.
Insurance in Carmel: 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
19
Businesses listed
4.9★
Avg rating
154
Avg reviews
May 17, 2026
Last updated
Top Rated Insurance Agents
Dean Ballenger Agency Inc
14767 Oak Rd, Carmel, IN 46033, USA
Hittle Insurance
14801 Market Center Dr Suite 130, Carmel, IN 46033, USA
Adam Jurs State Farm Insurance Agency
718 Adams St # A, Carmel, IN 46032, USA
Insurance Agents Rankings in Carmel, IN
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Dean Ballenger Agency Inc14767 Oak Rd, Carmel, IN 46033, USA | 5.0★ | 610 |
| #2 | Hittle Insurance14801 Market Center Dr Suite 130, Carmel, IN 46033, USA | 5.0★ | 356 |
| #3 | Adam Jurs State Farm Insurance Agency718 Adams St # A, Carmel, IN 46032, USA | 5.0★ | 306 |
| #4 | Shepherd Insurance111 Congressional Blvd Suite 200, Carmel, IN 46032, USA | 4.7★ | 82 |
| #5 | The DeRoss Insurance Agency1905 S New Market St Suite 265, Carmel, IN 46032, USA | 5.0★ | 40 |
| #6 | Teresa Chapman - State Farm Insurance Agent14 W Main St, Carmel, IN 46032, USA | 5.0★ | 106 |
| #7 | Penwell Insurance600 E Carmel Dr Suite 162, Carmel, IN 46032, USA | 5.0★ | 105 |
| #8 | Andrew Kennedy - State Farm Insurance Agent12407 Old Meridian St, Carmel, IN 46032, USA | 4.9★ | 320 |
| #9 | Rain or Shine Insurance231 Lark Dr Unit 1, Carmel, IN 46032, USA | 4.7★ | 13 |
| #10 | ShieldPoint Insurance571 Monon Blvd Ste 200, Carmel, IN 46032, USA | 5.0★ | 77 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Insurance Agents in Carmel
Shepherd Insurance
111 Congressional Blvd Suite 200, Carmel, IN 46032, USA
The DeRoss Insurance Agency
1905 S New Market St Suite 265, Carmel, IN 46032, USA
Teresa Chapman - State Farm Insurance Agent
14 W Main St, Carmel, IN 46032, USA
Penwell Insurance
600 E Carmel Dr Suite 162, Carmel, IN 46032, USA
Andrew Kennedy - State Farm Insurance Agent
12407 Old Meridian St, Carmel, IN 46032, USA
Rain or Shine Insurance
231 Lark Dr Unit 1, Carmel, IN 46032, USA
ShieldPoint Insurance
571 Monon Blvd Ste 200, Carmel, IN 46032, USA
Sunday Insurance Agency
301 E Carmel Dr SUITE C500, Carmel, IN 46032, USA
Goosehead Insurance - Ted King
13295 Illinois St Suite 302, Carmel, IN 46032, USA
Bailey Insurance
599 Industrial Dr Suite 313, Carmel, IN 46032, USA
Hoffman Insurance Strategies
580 E Carmel Dr SUITE 301, Carmel, IN 46032, USA
Binford Insurance
600 E Carmel Dr #269, Carmel, IN 46032, USA
Howard Medicare and Health Insurance
4933 Briarwood Ct, Carmel, IN 46033, USA
Gabe Greene: Allstate Insurance
1717 E 116th St UNIT 104, Carmel, IN 46032, USA
Allstate Insurance: Ranj Puthran
718 Adams St Ste B, Carmel, IN 46032, USA
BWC Insurance
13295 Illinois St # 134, Carmel, IN 46032, USA
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Frequently Asked Questions — Insurance Agents in Carmel
What is the difference between a captive and independent insurance agent in Carmel?
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 IN?
Search the IN Department of Insurance's online license lookup — Google "IN 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 IN must be licensed with the state.
How much does working with a local insurance agent in Carmel 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 Carmel?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Carmel 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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