Licensed · Citrus Heights
Licensed & Insured Insurance Agents in Citrus Heights, CA
Every insurance agents listed here carries proper licensing and insurance in CA. Protect yourself — always verify credentials before work begins.
As of June 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 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 June 9, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Citrus Heights, CA is home to a variety of insurance agents offering coverage for auto, home, life, and other insurance needs. Consumers should research agents' experience, coverage options, and customer reviews when selecting an insurance provider in the local area.
- ✓Variety of insurance agents in Citrus Heights, CA
- ✓Agents offer coverage for auto, home, life, and other insurance
- ✓Consumers should research agent experience, coverage, and reviews
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.
How to Choose a Insurance Agent in Citrus Heights
What to look for
- • Local presence and knowledge of the Citrus Heights area
- • Experience working with clients similar to your needs and situation
- • Transparent communication and willingness to explain insurance options in plain language
- • Positive reviews and recommendations from other Citrus Heights residents
Questions to ask
- • How long have you been an insurance agent serving the Citrus Heights community?
- • What types of insurance policies and coverage do you typically recommend for clients like me?
- • Can you provide references from some of your current Citrus Heights clients?
Red flags
- ⚠ Unwillingness to meet in person or conduct business locally in Citrus Heights
- ⚠ Pressure to sign up for policies without thoroughly explaining the details
- ⚠ Lack of transparency about commissions, fees, or other financial incentives
In California, insurance agents must be licensed by the California Department of Insurance. Be sure to verify your agent's license and standing before engaging their services.
Local Market Snapshot
19
Businesses listed
4.6★
Avg rating
137
Avg reviews
Jun 9, 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, USATrusted by hundreds of local clients, this Citrus Heights agent holds a solid 4.3-star rating.
6109 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 | AAA Citrus Heights Branch6109 Sunrise Blvd, Citrus Heights, CA 95610, USA | 4.3★ | 625 |
| #4 | Cost-U-Less Insurance7800 Sunrise Blvd #8, Citrus Heights, CA 95610, USA | 4.4★ | 154 |
| #5 | Primos Auto Insurance Services7062 Sunrise Blvd, Citrus Heights, CA 95610, USA | 5.0★ | 180 |
| #6 | Cal Save Insurance Services Inc.6045 Greenback Ln, Citrus Heights, CA 95621, USA | 4.2★ | 63 |
| #7 | Valentina Gaiduchik Insurance Agency8150 Greenback Ln, Fair Oaks, CA 95628, USA | 5.0★ | 245 |
| #8 | Odessa Insurance - CA Registration Services7433 Greenback Ln suite h, Citrus Heights, CA 95610, USA | 4.4★ | 126 |
| #9 | R K Jacobs Insurance Services5620 Birdcage St Ste, Citrus Heights, CA 95610, USA | 3.7★ | 23 |
| #10 | Del Campo Insurance Services Inc.8040 Greenback Ln # F, Citrus Heights, CA 95610, USA | 2.9★ | 9 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Insurance Agents in Citrus Heights
7800 Sunrise Blvd #8, Citrus Heights, CA 95610, USA
7062 Sunrise Blvd, Citrus Heights, CA 95610, USA
6045 Greenback Ln, Citrus Heights, CA 95621, USA
8150 Greenback Ln, Fair Oaks, CA 95628, USA
7433 Greenback Ln suite h, Citrus Heights, CA 95610, USA
5620 Birdcage St Ste, Citrus Heights, CA 95610, USA
8040 Greenback Ln # F, Citrus Heights, CA 95610, USA
8035 Madison Ave d3, Citrus Heights, CA 95610, USA
5417 San Juan Ave, Citrus Heights, CA 95610, USA
7340 Greenback Ln #3, Citrus Heights, CA 95621, USA
8084 Old Auburn Rd B, Citrus Heights, CA 95610, USA
6385 Auburn Blvd Ste C-1, Citrus Heights, CA 95621, USA
7359 Greenback Ln, Citrus Heights, CA 95621, USA
8350 Auburn Blvd #101a, Citrus Heights, CA 95610, USA
8328 Auburn Blvd, Citrus Heights, CA 95610, USA
5406 Sunrise Blvd #2, Citrus Heights, CA 95610, 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 | AAA Citrus Heights Branch | 88/100 | 4.3 ★ | 625 |
| 4 | Cost-U-Less Insurance | 87/100 | 4.4 ★ | 154 |
| 5 | Primos Auto Insurance Services | 98/100 | 5.0 ★ | 180 |
| 6 | Cal Save Insurance Services Inc. | 79/100 | 4.2 ★ | 63 |
| 7 | Valentina Gaiduchik Insurance Agency | 92/100 | 5.0 ★ | 245 |
| 8 | Odessa Insurance - CA Registration Services | 78/100 | 4.4 ★ | 126 |
| 9 | R K Jacobs Insurance Services | 53/100 | 3.7 ★ | 23 |
| 10 | Del Campo Insurance Services Inc. | 36/100 | 2.9 ★ | 9 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · June 2026
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
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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 9, 2026.
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