Local Pros · Clearwater
Local Insurance Agents in Clearwater, FL
Locally owned and operated insurance agents serving Clearwater and the surrounding area. Supporting local businesses means faster response and accountability.
As of June 2026, RatingsNearMe ranks 20 insurance agents in Clearwater, FL by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Florida Strategic Insurance with a 4.9-star rating from 575 Google reviews and an RNM Score of 98/100. Also in the top tier: Strategic Insurance Services and Acceptance Insurance. The average rating across all listed insurance agents in Clearwater is 4.8 stars from 298 reviews per business on average.
Insurance in Clearwater: 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.
Clearwater, FL 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 pricing to find the best fit for their insurance requirements.
- ✓Diverse selection of insurance agents in Clearwater, FL
- ✓Agents offer coverage for home, auto, life, and business insurance
- ✓Research agent specialties, reviews, and pricing to find the right fit
Best Overall
Mark Forgas Jr. - State Farm Insurance Agent
Mark Forgas Jr. is consistently top-ranked in Clearwater, offering a trusted national brand with personalized local service and strong customer satisfaction.
Most Reviewed
Mark Forgas Jr. - State Farm Insurance Agent
A high review count indicates a large base of satisfied customers, providing reliable insight into the agent's consistent service quality.
When choosing an insurance agent in Clearwater, compare quotes from multiple top-ranked agents to ensure you get the best coverage and rates for your specific needs.
How to Choose a Insurance Agent in Clearwater
What to look for
- • Local experience and knowledge of the Clearwater, FL insurance market
- • Specialization in the type of insurance you need (e.g. auto, home, life)
- • Positive reviews and recommendations from other Clearwater residents
- • Transparent communication and willingness to explain coverage options
Questions to ask
- • How long have you been an insurance agent serving the Clearwater area?
- • What specific insurance products and coverage do you specialize in?
- • Can you provide references from other Clearwater clients you've worked with?
Red flags
- ⚠ An agent who seems pushy or tries to rush you into a decision
- ⚠ Lack of clear explanations about policy details and coverage limits
- ⚠ Unwillingness to provide references or information about their experience
In Florida, insurance agents must be licensed by the state. Be sure to verify an agent's license and standing with the Florida Department of Financial Services before making a hiring decision.
Local Market Snapshot
20
Businesses listed
4.8★
Avg rating
298
Avg reviews
Jun 10, 2026
Last updated
Top Rated Insurance Agents
Clearwater insurance agent with a 4.9-star rating from over 575 reviews.
5830 142nd Ave N, Clearwater, FL 33760, USATrusted by hundreds of locals with a near-perfect 4.9-star rating.
4501 Mainlands Blvd W, Pinellas Park, FL 33782, USATrusted by hundreds of local clients, this agent maintains a stellar 4.8-star rating.
1670 S Missouri Ave, Clearwater, FL 33756, USAInsurance Agents Rankings in Clearwater, FL
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Florida Strategic Insurance5830 142nd Ave N, Clearwater, FL 33760, USA | 4.9★ | 575 |
| #2 | Strategic Insurance Services4501 Mainlands Blvd W, Pinellas Park, FL 33782, USA | 4.9★ | 344 |
| #3 | Acceptance Insurance1670 S Missouri Ave, Clearwater, FL 33756, USA | 4.8★ | 385 |
| #4 | Bay Area Insurance Shop, Inc.1452 Court St, Clearwater, FL 33756, USA | 4.9★ | 180 |
| #5 | Freeway Insurance1993 Drew St, Clearwater, FL 33765, USA | 4.9★ | 319 |
| #6 | Escurra United Underwriters2140 Drew St # L, Clearwater, FL 33765, USA | 4.9★ | 803 |
| #7 | David Tapia: Allstate Insurance133 N Garden Ave, Clearwater, FL 33755, USA | 4.8★ | 422 |
| #8 | The Turner Insurance Advisor Group aka Turner Insurance2121 NE Coachman Rd, Clearwater, FL 33765, USA | 4.6★ | 202 |
| #9 | Gotta Havit Auto Insurance918 S Missouri Ave, Clearwater, FL 33756, USA | 4.6★ | 188 |
| #10 | Single Source Insurance1345 S Missouri Ave, Clearwater, FL 33756, USA | 4.5★ | 108 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Insurance Agents in Clearwater
Trusted by hundreds of local clients with a near-perfect 4.9-star rating.
1452 Court St, Clearwater, FL 33756, USA
4.9-star rating from over 300 reviews on Google.
1993 Drew St, Clearwater, FL 33765, USA
Trusted by hundreds of Clearwater clients, this agent holds a near-perfect 4.9-star rating.
2140 Drew St # L, Clearwater, FL 33765, USA
Trusted by hundreds of local clients, this agent maintains a stellar 4.8-star rating.
133 N Garden Ave, Clearwater, FL 33755, USA
Rated 4.6 stars from over 200 reviews, this Clearwater agent is highly trusted.
2121 NE Coachman Rd, Clearwater, FL 33765, USA
Trusted by hundreds of local clients with a strong 4.6-star rating.
918 S Missouri Ave, Clearwater, FL 33756, USA
Trusted by hundreds of local clients, this Clearwater agent holds a strong 4.5-star rating.
1345 S Missouri Ave, Clearwater, FL 33756, USA
Clearwater insurance agent with a perfect 5.0-star rating from 93 Google reviews.
1831 N Belcher Rd. STE A1, Clearwater, FL 33765, USA
4.7 stars from 68 Google reviews, reflecting strong local client satisfaction.
1465 S Ft Harrison Ave #104, Clearwater, FL 33756, USA
A Clearwater insurance agent with a perfect 5.0-star rating from 66 Google reviews.
2189 Cleveland St #275, Clearwater, FL 33765, USA
Trusted by hundreds of clients with a near-perfect 4.9★ rating in Clearwater.
1944 N Hercules Ave STE A, Clearwater, FL 33763, USA
Shoppers praise this Clearwater agent's exceptional service, reflected by a flawless 4.9-star rating from nearly 300 reviews.
2454 McMullen Booth Rd #421, Clearwater, FL 33759, USA
Trusted by hundreds, this Clearwater insurance agent holds a stellar 4.9-star rating from 865 Google reviews.
801 W Bay Dr #102, Largo, FL 33770, USA
Clearwater insurance agent with a perfect 5.0★ rating from nearly 200 reviews.
29170 US Hwy 19 N, Clearwater, FL 33761, USA
Top-rated Clearwater insurance agent with a perfect 5.0-star rating from over 230 reviews.
1700 McMullen Booth Rd Ste D2, Clearwater, FL 33759, USA
4.9-star rating from over 100 Google reviews for this Clearwater insurance agent.
25191 US Hwy 19 N B, Clearwater, FL 33763, USA
4.8 stars from nearly 100 reviews, reflecting trusted local insurance service.
1468 Gulf to Bay Blvd, Clearwater, FL 33755, USA
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Insurance Agents in Clearwater, FL — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Florida Strategic Insurance | 98/100 | 4.9 ★ | 575 |
| 2 | Strategic Insurance Services | 98/100 | 4.9 ★ | 344 |
| 3 | Acceptance Insurance | 97/100 | 4.8 ★ | 385 |
| 4 | Bay Area Insurance Shop, Inc. | 97/100 | 4.9 ★ | 180 |
| 5 | Freeway Insurance | 98/100 | 4.9 ★ | 319 |
| 6 | Escurra United Underwriters | 87/100 | 4.9 ★ | 803 |
| 7 | David Tapia: Allstate Insurance | 85/100 | 4.8 ★ | 422 |
| 8 | The Turner Insurance Advisor Group aka Turner Insurance | 80/100 | 4.6 ★ | 202 |
| 9 | Gotta Havit Auto Insurance | 80/100 | 4.6 ★ | 188 |
| 10 | Single Source Insurance | 75/100 | 4.5 ★ | 108 |
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 Clearwater
What is the difference between a captive and independent insurance agent in Clearwater?
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 FL?
Search the FL Department of Insurance's online license lookup — Google "FL 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 FL must be licensed with the state.
How much does working with a local insurance agent in Clearwater 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 Clearwater?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Clearwater 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 10, 2026.
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