4.5+ Stars · Cibolo
Highly Rated Insurance Agents in Cibolo, TX
Only the best make this list. These insurance agents in Cibolo have earned 4.5+ star ratings from real customers — consistently.
As of May 2026, RatingsNearMe ranks 3 insurance agents in Cibolo, TX by verified customer ratings and review volume. The highest-rated is Medicare San Antonio Insurance Options with a 5.0-star rating from 14 verified reviews. Also in the top tier: 1 Insurance Agency and KDJ Insurance Agency. The average rating across all listed insurance agents in Cibolo is 4.8 stars from 16 reviews per business on average.
Insurance in Cibolo: 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
3
Businesses listed
4.8★
Avg rating
16
Avg reviews
May 17, 2026
Last updated
Top Rated Insurance Agents
Medicare San Antonio Insurance Options
1105 Antler Dr, Schertz, TX 78154, USA
1 Insurance Agency
18965 FM 2252, Garden Ridge, TX 78266, USA
KDJ Insurance Agency
630 FM465, Marion, TX 78124, USA
Insurance Agents Rankings in Cibolo, TX
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Medicare San Antonio Insurance Options1105 Antler Dr, Schertz, TX 78154, USA | 5.0★ | 14 |
| #2 | 1 Insurance Agency18965 FM 2252, Garden Ridge, TX 78266, USA | 5.0★ | 10 |
| #3 | KDJ Insurance Agency630 FM465, Marion, TX 78124, USA | 4.3★ | 23 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
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Frequently Asked Questions — Insurance Agents in Cibolo
What is the difference between a captive and independent insurance agent in Cibolo?
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 Cibolo 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 Cibolo?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Cibolo 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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