24/7 Emergency · Citrus Heights
Emergency Insurance Agents in Citrus Heights, CA — Available 24/7
When you can't wait, these insurance agents in Citrus Heights offer emergency response. Call now — most respond within the hour.
As of July 2026, RatingsNearMe ranks 19 insurance agents in Citrus Heights, CA by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is B.A. Lazaro Insurance Services with a 4.9-star rating from 410 Google reviews and an RNM Score of 98/100. Also in the top tier: Nick Bullard: Allstate Insurance and Primos Auto Insurance Services. The average rating across all listed insurance agents in Citrus Heights is 4.6 stars from 137 reviews per business on average.
Insurance in Citrus Heights: 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
Save and Drive Insurance Services
This business stands out as the top-ranked agency due to its strong local reputation and consistent customer satisfaction.
Most Reviewed
Nick Bullard: Allstate Insurance
A high review count indicates a large customer base and reliable feedback, helping you gauge real-world service quality.
When choosing an insurance agent in Citrus Heights, compare quotes from multiple agencies and read recent reviews to ensure the policy fits your specific needs. Local agents often provide more personalized service than online-only providers.
Local Market Snapshot
19
Businesses listed
4.6★
Avg rating
137
Avg reviews
Jul 4, 2026
Last updated
Top Rated Insurance Agents
Citrus Heights insurance agent with a 4.9-star rating from over 400 Google reviews.
5800 Jameson Ct Suite 10B, Carmichael, CA 95608, USATrusted by hundreds of local clients with a stellar 4.8-star rating.
7447 Antelope Rd #103, Citrus Heights, CA 95621, USATop-rated Citrus Heights insurance agent with a perfect 5.0-star rating from 180 reviews.
7062 Sunrise Blvd, Citrus Heights, CA 95610, USAInsurance Agents Rankings in Citrus Heights, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | B.A. Lazaro Insurance Services5800 Jameson Ct Suite 10B, Carmichael, CA 95608, USA | 4.9★ | 410 |
| #2 | Nick Bullard: Allstate Insurance7447 Antelope Rd #103, Citrus Heights, CA 95621, USA | 4.8★ | 363 |
| #3 | Primos Auto Insurance Services7062 Sunrise Blvd, Citrus Heights, CA 95610, USA | 5.0★ | 180 |
| #4 | Odessa Insurance - CA Registration Services7433 Greenback Ln suite h, Citrus Heights, CA 95610, USA | 4.4★ | 126 |
| #5 | Cal Save Insurance Services Inc.6045 Greenback Ln, Citrus Heights, CA 95621, USA | 4.2★ | 63 |
| #6 | Valentina Gaiduchik Insurance Agency8150 Greenback Ln, Fair Oaks, CA 95628, USA | 5.0★ | 245 |
| #7 | HealthMarkets Insurance Agency5406 Sunrise Blvd #2, Citrus Heights, CA 95610, USA | 5.0★ | 1 |
| #8 | Save and Drive Insurance Services8328 Auburn Blvd, Citrus Heights, CA 95610, USA | 4.9★ | 71 |
| #9 | Cost-U-Less Insurance7800 Sunrise Blvd #8, Citrus Heights, CA 95610, USA | 4.4★ | 154 |
| #10 | Bolt Insurance Services7359 Greenback Ln, Citrus Heights, CA 95621, USA | 4.7★ | 29 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Insurance Agents in Citrus Heights
Trusted by locals with a solid 4.4-star rating from over 120 reviews.
7433 Greenback Ln suite h, Citrus Heights, CA 95610, USA
Rated 4.2 stars from 63 reviews, this Citrus Heights insurance agent earns solid local trust.
6045 Greenback Ln, Citrus Heights, CA 95621, USA
Boasting a flawless 5.0-star rating from 245 Google reviews.
8150 Greenback Ln, Fair Oaks, CA 95628, USA
Exceptional 5.0-star rating from a handful of Google reviews.
5406 Sunrise Blvd #2, Citrus Heights, CA 95610, USA
71 Google reviews average 4.9 stars, reflecting consistently exceptional client satisfaction.
8328 Auburn Blvd, Citrus Heights, CA 95610, USA
A trusted local insurance agent with a solid 4.4-star rating from over 150 reviews.
7800 Sunrise Blvd #8, Citrus Heights, CA 95610, USA
Highly rated Citrus Heights insurance agent with 4.7 stars from 29 Google reviews.
7359 Greenback Ln, Citrus Heights, CA 95621, USA
Mixed reviews from 23 Google ratings give this agent a 3.7-star average.
5620 Birdcage St Ste, Citrus Heights, CA 95610, USA
Boasting a solid 4.2-star rating from 14 Google reviews.
8035 Madison Ave d3, Citrus Heights, CA 95610, USA
Mixed reviews reflect average service, based on only nine customer ratings.
8040 Greenback Ln # F, Citrus Heights, CA 95610, USA
Citrus Heights insurance agent with a 4.9-star rating from over 150 reviews.
5417 San Juan Ave, Citrus Heights, CA 95610, USA
Citrus Heights insurance agent with a perfect 5.0-star rating from 2 reviews.
7340 Greenback Ln #3, Citrus Heights, CA 95621, USA
Citrus Heights insurance agent with a 4.9-star rating from 56 reviews.
8084 Old Auburn Rd B, Citrus Heights, CA 95610, USA
Trusted by hundreds of local clients, this Citrus Heights agent holds a solid 4.3-star rating.
6109 Sunrise Blvd, Citrus Heights, CA 95610, USA
5.0 stars from 58 Google reviews, reflecting exceptional local service.
8350 Auburn Blvd #101a, Citrus Heights, CA 95610, USA
Citrus Heights insurance agent with a perfect 5.0★ rating from 22 reviews.
6385 Auburn Blvd Ste C-1, Citrus Heights, CA 95621, USA
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Insurance Agents in Citrus Heights, CA — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | B.A. Lazaro Insurance Services | 98/100 | 4.9 ★ | 410 |
| 2 | Nick Bullard: Allstate Insurance | 97/100 | 4.8 ★ | 363 |
| 3 | Primos Auto Insurance Services | 98/100 | 5.0 ★ | 180 |
| 4 | Odessa Insurance - CA Registration Services | 78/100 | 4.4 ★ | 126 |
| 5 | Cal Save Insurance Services Inc. | 79/100 | 4.2 ★ | 63 |
| 6 | Valentina Gaiduchik Insurance Agency | 92/100 | 5.0 ★ | 245 |
| 7 | HealthMarkets Insurance Agency | 65/100 | 5.0 ★ | 1 |
| 8 | Save and Drive Insurance Services | 83/100 | 4.9 ★ | 71 |
| 9 | Cost-U-Less Insurance | 87/100 | 4.4 ★ | 154 |
| 10 | Bolt Insurance Services | 75/100 | 4.7 ★ | 29 |
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 Citrus Heights
What is the difference between a captive and independent insurance agent in Citrus Heights?
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 Citrus Heights 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 Citrus Heights?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Citrus Heights 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: July 4, 2026.
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