Top Picks · Citrus Heights
Best Insurance Agents in Citrus Heights, CA
Rated and reviewed by real customers. Compare prices, read reviews, and call the top pros near you — for free.
As of May 2026, RatingsNearMe ranks 19 insurance agents in Citrus Heights, CA by verified customer ratings and review volume. The highest-rated is B.A. Lazaro Insurance Services with a 4.9-star rating from 410 verified reviews. Also in the top tier: Nick Bullard: Allstate Insurance and AAA Citrus Heights Branch. 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 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
4.6★
Avg rating
137
Avg reviews
May 17, 2026
Last updated
Top Rated Insurance Agents
B.A. Lazaro Insurance Services
5800 Jameson Ct Suite 10B, Carmichael, CA 95608, USA
Nick Bullard: Allstate Insurance
7447 Antelope Rd #103, Citrus Heights, CA 95621, USA
AAA Citrus Heights Branch
6109 Sunrise Blvd, Citrus Heights, CA 95610, USA
Insurance 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 | AAA Citrus Heights Branch6109 Sunrise Blvd, Citrus Heights, CA 95610, USA | 4.3★ | 625 |
| #4 | Cal Save Insurance Services Inc.6045 Greenback Ln, Citrus Heights, CA 95621, USA | 4.2★ | 63 |
| #5 | Valentina Gaiduchik Insurance Agency8150 Greenback Ln, Fair Oaks, CA 95628, USA | 5.0★ | 245 |
| #6 | Odessa Insurance - CA Registration Services7433 Greenback Ln suite h, Citrus Heights, CA 95610, USA | 4.4★ | 126 |
| #7 | R K Jacobs Insurance Services5620 Birdcage St Ste, Citrus Heights, CA 95610, USA | 3.7★ | 23 |
| #8 | Del Campo Insurance Services Inc.8040 Greenback Ln # F, Citrus Heights, CA 95610, USA | 2.9★ | 9 |
| #9 | Horizon Valley Insurance Services Inc8035 Madison Ave d3, Citrus Heights, CA 95610, USA | 4.2★ | 14 |
| #10 | Doug Rowley - State Farm Insurance Agent5417 San Juan Ave, Citrus Heights, CA 95610, USA | 4.9★ | 155 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Insurance Agents in Citrus Heights
Cal Save Insurance Services Inc.
6045 Greenback Ln, Citrus Heights, CA 95621, USA
Valentina Gaiduchik Insurance Agency
8150 Greenback Ln, Fair Oaks, CA 95628, USA
Odessa Insurance - CA Registration Services
7433 Greenback Ln suite h, Citrus Heights, CA 95610, USA
R K Jacobs Insurance Services
5620 Birdcage St Ste, Citrus Heights, CA 95610, USA
Del Campo Insurance Services Inc.
8040 Greenback Ln # F, Citrus Heights, CA 95610, USA
Horizon Valley Insurance Services Inc
8035 Madison Ave d3, Citrus Heights, CA 95610, USA
Doug Rowley - State Farm Insurance Agent
5417 San Juan Ave, Citrus Heights, CA 95610, USA
Greg Polley - State Farm Insurance Agent
8084 Old Auburn Rd B, Citrus Heights, CA 95610, USA
Farmers Insurance - Scott Gelbke
6385 Auburn Blvd Ste C-1, Citrus Heights, CA 95621, USA
Juan H. Perez: Allstate Insurance
8350 Auburn Blvd #101a, Citrus Heights, CA 95610, USA
Save and Drive Insurance Services
8328 Auburn Blvd, Citrus Heights, CA 95610, USA
HealthMarkets Insurance Agency
5406 Sunrise Blvd #2, Citrus Heights, CA 95610, USA
Cost-U-Less Insurance
7800 Sunrise Blvd #8, Citrus Heights, CA 95610, USA
Primos Auto Insurance Services
7062 Sunrise Blvd, Citrus Heights, CA 95610, USA
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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.
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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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