Top Picks · Dayton
Best Insurance Agents in Dayton, OH
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 Dayton, OH by verified customer ratings and review volume. The highest-rated is Meridian Capstone Insurance with a 5.0-star rating from 1,793 verified reviews. Also in the top tier: Acceptance Insurance and Greg Fay Insurance Agency. The average rating across all listed insurance agents in Dayton is 4.8 stars from 203 reviews per business on average.
Insurance in Dayton: 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
4.8★
Avg rating
203
Avg reviews
May 17, 2026
Last updated
Top Rated Insurance Agents
Meridian Capstone Insurance
7601 Paragon Rd Suite 303, Dayton, OH 45459, USA
Acceptance Insurance
6100 Chambersburg Rd, Huber Heights, OH 45424, USA
Greg Fay Insurance Agency
207 W Franklin St, Centerville, OH 45459, USA
Insurance Agents Rankings in Dayton, OH
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Meridian Capstone Insurance7601 Paragon Rd Suite 303, Dayton, OH 45459, USA | 5.0★ | 1,793 |
| #2 | Acceptance Insurance6100 Chambersburg Rd, Huber Heights, OH 45424, USA | 4.8★ | 601 |
| #3 | Greg Fay Insurance Agency207 W Franklin St, Centerville, OH 45459, USA | 5.0★ | 247 |
| #4 | Robert K. Jones Insurance Agency, LTD.3809 Wilmington Pike #100, Kettering, OH 45429, USA | 4.8★ | 38 |
| #5 | Sanderson Insurance Agency3320 Office Park Dr, Dayton, OH 45439, USA | 4.9★ | 93 |
| #6 | Ferneding Insurance5540 Far Hills Ave, Dayton, OH 45429, USA | 4.8★ | 49 |
| #7 | Wagner Insurance Agency1050 S Main St, Dayton, OH 45409, USA | 4.8★ | 85 |
| #8 | Universal Insurance Agency8393 N Main St, Dayton, OH 45415, USA | 4.9★ | 106 |
| #9 | Ingram Insurance Group733 Salem Ave, Dayton, OH 45406, USA | 5.0★ | 119 |
| #10 | LFL Insurance Agency, LLC8141 N Main St suite c, Dayton, OH 45415, USA | 4.8★ | 44 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Insurance Agents in Dayton
Robert K. Jones Insurance Agency, LTD.
3809 Wilmington Pike #100, Kettering, OH 45429, USA
Sanderson Insurance Agency
3320 Office Park Dr, Dayton, OH 45439, USA
Ferneding Insurance
5540 Far Hills Ave, Dayton, OH 45429, USA
Wagner Insurance Agency
1050 S Main St, Dayton, OH 45409, USA
Universal Insurance Agency
8393 N Main St, Dayton, OH 45415, USA
Ingram Insurance Group
733 Salem Ave, Dayton, OH 45406, USA
LFL Insurance Agency, LLC
8141 N Main St suite c, Dayton, OH 45415, USA
Triangle Insurance Agency, Inc.
5525 N Dixie Dr, Dayton, OH 45414, USA
Insurance Works
10809 Yankee St, Washington Township, OH 45458, USA
Buckner Insurance
2217 Miamisburg Centerville Rd, Dayton, OH 45459, USA
Stevens Insurance Agency, LLC
8194 Liberty Way, West Chester Township, OH 45069, USA
Amos Jefferies - State Farm Insurance Agent
1017 W Third St, Dayton, OH 45402, USA
The Uhl Agency
7755 Paragon Rd, Dayton, OH 45459, USA
Richard Keller - State Farm Insurance Agent
7825 N Dixie Dr a, Dayton, OH 45414, USA
Nationwide Insurance: Kevin Murphy And Associates Agency Inc.
2412 S Smithville Rd, Dayton, OH 45420, USA
Yancey's Insurance & Business
2457 N Gettysburg Ave, Dayton, OH 45406, USA
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Frequently Asked Questions — Insurance Agents in Dayton
What is the difference between a captive and independent insurance agent in Dayton?
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 OH?
Search the OH Department of Insurance's online license lookup — Google "OH 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 OH must be licensed with the state.
How much does working with a local insurance agent in Dayton 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 Dayton?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Dayton 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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