24/7 Available · Charlottesville
24-Hour Insurance Agents in Charlottesville, VA — Always Available
Emergencies don't keep business hours. These insurance agents in Charlottesville are available 24 hours a day, 7 days a week — including holidays.
As of June 2026, RatingsNearMe ranks 20 insurance agents in Charlottesville, VA by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Miguel Coradine - Sirius Insurance with a 5.0-star rating from 957 Google reviews and an RNM Score of 88/100. Also in the top tier: Hunter Wyant - State Farm Insurance Agent and Steinlage Insurance Agency of Charlottesville. The average rating across all listed insurance agents in Charlottesville is 4.8 stars from 233 reviews per business on average.
Insurance in Charlottesville: agents are typically paid by commission (5–15% of premium) — no cost to you to compare quotes.
Rankings updated June 10, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Charlottesville, VA is home to a variety of insurance agents offering coverage for home, auto, life, and business needs. Consumers should research local agents' specialties, customer reviews, and coverage options when selecting an insurance provider in the Charlottesville area.
- ✓Charlottesville has a range of insurance agents serving the local community
- ✓Agents offer coverage for personal and commercial insurance needs
- ✓Consumers should research agent specialties and reviews when choosing a provider
Best Overall
Able Insurance Agency
Able Insurance Agency stands out as top-ranked due to its strong local reputation and comprehensive insurance offerings tailored to Charlottesville residents.
Most Reviewed
Mac Weems - State Farm Insurance Agent
A high review count indicates a broad base of customer experiences and trust, which can help consumers gauge service reliability and satisfaction.
When choosing an insurance agent in Charlottesville, compare coverage options and customer service reputation rather than just price; requesting quotes from multiple top-ranked agencies can ensure you find the best fit for your needs.
How to Choose a Insurance Agent in Charlottesville
What to look for
- • Years of experience in the Charlottesville insurance market
- • Specialization in the type of insurance you need (e.g. home, auto, life)
- • Strong customer service reputation and reviews from local clients
- • Ability to explain insurance policies and coverage options clearly
Questions to ask
- • How long have you been an insurance agent in Charlottesville?
- • What types of insurance policies do you specialize in?
- • Can you provide references from some of your current Charlottesville clients?
Red flags
- ⚠ Agent is not licensed to sell insurance in Virginia
- ⚠ Unwillingness to provide detailed information about their experience and qualifications
- ⚠ Unusually high pressure sales tactics or aggressive upselling
In Virginia, insurance agents must be licensed by the State Corporation Commission. Be sure to verify the agent's license and standing before working with them.
Local Market Snapshot
20
Businesses listed
4.8★
Avg rating
233
Avg reviews
Jun 10, 2026
Last updated
Top Rated Insurance Agents
Trusted by hundreds of Charlottesville clients with a perfect 5.0-star rating.
687 Berkmar Cir, Charlottesville, VA 22901, USA4.9 stars from over 1,000 Google reviews in Charlottesville.
253 Ridge McIntire Rd, Charlottesville, VA 22903, USATrusted by hundreds of local clients, this agency maintains a perfect 5.0-star rating.
1001 Research Park Boulevard Suite 1020, Charlottesville, VA 22911, USAInsurance Agents Rankings in Charlottesville, VA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Miguel Coradine - Sirius Insurance687 Berkmar Cir, Charlottesville, VA 22901, USA | 5.0★ | 957 |
| #2 | Hunter Wyant - State Farm Insurance Agent253 Ridge McIntire Rd, Charlottesville, VA 22903, USA | 4.9★ | 1,001 |
| #3 | Steinlage Insurance Agency of Charlottesville1001 Research Park Boulevard Suite 1020, Charlottesville, VA 22911, USA | 5.0★ | 422 |
| #4 | Able Insurance Agency716 Rio Rd W STE D, Charlottesville, VA 22901, USA | 4.9★ | 393 |
| #5 | The Rudd Insurance Group1410 Incarnation Dr STE 201, Charlottesville, VA 22901, USA | 4.9★ | 50 |
| #6 | Specialized Insurance2250 Old Ivy Rd #5, Charlottesville, VA 22903, USA | 5.0★ | 417 |
| #7 | Craddock Sirius Insurance687 Berkmar Cir, Charlottesville, VA 22901, USA | 4.9★ | 205 |
| #8 | Bearing Insurance100 10th St NE STE 200, Charlottesville, VA 22902, USA | 4.4★ | 47 |
| #9 | Coleman & Davis Insurance Agency302 Hickman Rd Ste 102, Charlottesville, VA 22911, USA | 4.4★ | 15 |
| #10 | Virginia Farm Bureau Insurance Company890 Rio E Ct suite a, Charlottesville, VA 22901, USA | 5.0★ | 29 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Insurance Agents in Charlottesville
Charlottesville insurance agent with a 4.9-star rating from nearly 400 reviews.
716 Rio Rd W STE D, Charlottesville, VA 22901, USA
Rated 4.9 stars from 50 Google reviews for exceptional local insurance service.
1410 Incarnation Dr STE 201, Charlottesville, VA 22901, USA
Rated 5.0 stars from over 400 Google reviews in Charlottesville.
2250 Old Ivy Rd #5, Charlottesville, VA 22903, USA
Trusted by hundreds of local clients, this Charlottesville agent holds a near-perfect 4.9★ rating.
687 Berkmar Cir, Charlottesville, VA 22901, USA
Consistently rated 4.4 stars from 47 local Google reviews in Charlottesville.
100 10th St NE STE 200, Charlottesville, VA 22902, USA
302 Hickman Rd Ste 102, Charlottesville, VA 22911, USA
Rated 5.0 stars from 29 Google reviews by Charlottesville clients.
890 Rio E Ct suite a, Charlottesville, VA 22901, USA
218 3rd St NE, Charlottesville, VA 22902, USA
1851 Seminole Trail, Charlottesville, VA 22901, USA
Charlottesville's top-rated insurance agent with a perfect 5.0 stars from over 300 reviews.
1136B Emmet St N, Charlottesville, VA 22903, USA
4.9 stars from over 200 reviews makes this agent a trusted local choice.
2215 Hydraulic Rd, Charlottesville, VA 22901, USA
Trusted by hundreds of local clients, this agent holds a strong 4.7-star rating.
944 Glenwood Station Ln STE 202, Charlottesville, VA 22901, USA
Trusted by locals with a strong 4.5-star rating from hundreds of reviews.
1980 Abbey Rd, Charlottesville, VA 22911, USA
5.0 stars from over 100 reviews, reflecting exceptional local client satisfaction.
901 Preston Ave STE 402, Charlottesville, VA 22903, USA
Rated 5.0 stars from 84 Google reviews by local clients in Charlottesville.
304 E Jefferson St, Charlottesville, VA 22902, USA
Exceptional 4.9-star rating from 84 Google reviews for Charlottesville insurance.
106 South Steet, Charlottesville, VA 22902, USA
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Insurance Agents in Charlottesville, VA — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Miguel Coradine - Sirius Insurance | 88/100 | 5.0 ★ | 957 |
| 2 | Hunter Wyant - State Farm Insurance Agent | 87/100 | 4.9 ★ | 1,001 |
| 3 | Steinlage Insurance Agency of Charlottesville | 88/100 | 5.0 ★ | 422 |
| 4 | Able Insurance Agency | 87/100 | 4.9 ★ | 393 |
| 5 | The Rudd Insurance Group | 78/100 | 4.9 ★ | 50 |
| 6 | Specialized Insurance | 88/100 | 5.0 ★ | 417 |
| 7 | Craddock Sirius Insurance | 86/100 | 4.9 ★ | 205 |
| 8 | Bearing Insurance | 69/100 | 4.4 ★ | 47 |
| 9 | Coleman & Davis Insurance Agency | 63/100 | 4.4 ★ | 15 |
| 10 | Virginia Farm Bureau Insurance Company | 77/100 | 5.0 ★ | 29 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · June 2026
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Frequently Asked Questions — Insurance Agents in Charlottesville
What is the difference between a captive and independent insurance agent in Charlottesville?
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 VA?
Search the VA Department of Insurance's online license lookup — Google "VA 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 VA must be licensed with the state.
How much does working with a local insurance agent in Charlottesville 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 Charlottesville?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Charlottesville 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: June 10, 2026.
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