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 July 2026, RatingsNearMe ranks 19 insurance agents in Carmel, IN by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Dean Ballenger Agency Inc with a 5.0-star rating from 610 Google reviews and an RNM Score of 88/100. 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 July 4, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
Goosehead Insurance - Ted King
Ted King's agency is consistently top-ranked among Carmel insurance agents, indicating strong client satisfaction and reliable service.
Most Reviewed
Goosehead Insurance - Ted King
A high number of reviews helps potential customers gauge overall experience and trustworthiness from a larger sample of clients.
When choosing an insurance agent in Carmel, consider both the volume and quality of reviews, and compare quotes from multiple agencies to find the best coverage and rates for your needs.
Local Market Snapshot
19
Businesses listed
4.9★
Avg rating
154
Avg reviews
Jul 4, 2026
Last updated
Top Rated Insurance Agents
Trusted by hundreds of local clients with a perfect 5.0-star rating.
14767 Oak Rd, Carmel, IN 46033, USATrusted by hundreds of local clients, this agent holds a flawless 5.0-star rating.
14801 Market Center Dr Suite 130, Carmel, IN 46033, USACarmel's top-rated insurance agent with a perfect 5.0 stars from over 300 reviews.
718 Adams St # A, Carmel, IN 46032, USAInsurance 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 | Goosehead Insurance - Ted King13295 Illinois St Suite 302, Carmel, IN 46032, USA | 4.8★ | 80 |
| #5 | Shepherd Insurance111 Congressional Blvd Suite 200, Carmel, IN 46032, USA | 4.7★ | 82 |
| #6 | Hoffman Insurance Strategies580 E Carmel Dr SUITE 301, Carmel, IN 46032, USA | 5.0★ | 26 |
| #7 | Rain or Shine Insurance231 Lark Dr Unit 1, Carmel, IN 46032, USA | 4.7★ | 13 |
| #8 | Sunday Insurance Agency301 E Carmel Dr SUITE C500, Carmel, IN 46032, USA | 5.0★ | 4 |
| #9 | Andrew Kennedy - State Farm Insurance Agent12407 Old Meridian St, Carmel, IN 46032, USA | 4.9★ | 320 |
| #10 | Howard Medicare and Health Insurance4933 Briarwood Ct, Carmel, IN 46033, USA | 5.0★ | 264 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Insurance Agents in Carmel
4.8-star rating from 80 Google reviews reflects trusted local service.
13295 Illinois St Suite 302, Carmel, IN 46032, USA
Carmel insurance agent with a 4.7-star rating from 82 Google reviews.
111 Congressional Blvd Suite 200, Carmel, IN 46032, USA
Known for exceptional 5.0-star service with dozens of positive customer reviews.
580 E Carmel Dr SUITE 301, Carmel, IN 46032, USA
Trusted locally with 4.7 stars from 13 Google reviews.
231 Lark Dr Unit 1, Carmel, IN 46032, USA
4 Google reviewers give this Carmel insurance agent a perfect 5.0-star rating.
301 E Carmel Dr SUITE C500, Carmel, IN 46032, USA
Carmel's top-rated insurance agent with 4.9 stars from over 300 reviews.
12407 Old Meridian St, Carmel, IN 46032, USA
Carmel insurance agent with a 5.0-star rating from over 260 reviews.
4933 Briarwood Ct, Carmel, IN 46033, USA
Consistently earns a perfect 5.0-star rating from over 100 local Google reviews.
14 W Main St, Carmel, IN 46032, USA
Earned a perfect 5.0-star rating from over 100 Google reviews in Carmel.
600 E Carmel Dr Suite 162, Carmel, IN 46032, USA
Trusted 4.6-star insurance agent in Carmel, praised in 81 local reviews.
1717 E 116th St UNIT 104, Carmel, IN 46032, USA
Exceptional 5.0-star rating from 77 Google reviews for trusted local insurance guidance.
571 Monon Blvd Ste 200, Carmel, IN 46032, USA
Rated 4.8 stars from 74 Google reviews, consistently earning high client satisfaction.
600 E Carmel Dr #269, Carmel, IN 46032, USA
5.0 stars from 55 Google reviews shows exceptional local customer satisfaction.
599 Industrial Dr Suite 313, Carmel, IN 46032, USA
Carmel residents consistently praise this agent, earning a rare 4.9★ rating from 228 reviews.
718 Adams St Ste B, Carmel, IN 46032, USA
96 reviewers give this Carmel insurance agent a perfect 5.0-star rating.
13295 Illinois St # 134, Carmel, IN 46032, USA
Consistently rated 5.0 stars across 40 Google reviews from local clients.
1905 S New Market St Suite 265, Carmel, IN 46032, USA
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Insurance Agents in Carmel, IN — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Dean Ballenger Agency Inc | 88/100 | 5.0 ★ | 610 |
| 2 | Hittle Insurance | 88/100 | 5.0 ★ | 356 |
| 3 | Adam Jurs State Farm Insurance Agency | 88/100 | 5.0 ★ | 306 |
| 4 | Goosehead Insurance - Ted King | 79/100 | 4.8 ★ | 80 |
| 5 | Shepherd Insurance | 77/100 | 4.7 ★ | 82 |
| 6 | Hoffman Insurance Strategies | 76/100 | 5.0 ★ | 26 |
| 7 | Rain or Shine Insurance | 68/100 | 4.7 ★ | 13 |
| 8 | Sunday Insurance Agency | 67/100 | 5.0 ★ | 4 |
| 9 | Andrew Kennedy - State Farm Insurance Agent | 87/100 | 4.9 ★ | 320 |
| 10 | Howard Medicare and Health Insurance | 88/100 | 5.0 ★ | 264 |
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 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.
Insurance Agents in Nearby Cities
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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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