Local Pros · Dayton
Local Insurance Agents in Dayton, OH
Locally owned and operated insurance agents serving Dayton and the surrounding area. Supporting local businesses means faster response and accountability.
As of June 2026, RatingsNearMe ranks 19 insurance agents in Dayton, OH by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Meridian Capstone Insurance with a 5.0-star rating from 1,793 Google reviews and an RNM Score of 88/100. 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 June 10, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Dayton, Ohio is home to a variety of insurance agents offering coverage for auto, home, life, and business needs. Consumers should research local agencies and compare policies to find the best fit for their insurance requirements.
- ✓Variety of insurance agents in Dayton, OH
- ✓Agents offer coverage for auto, home, life, and business
- ✓Research and compare policies to find the right fit
Best Overall
Ferneding Insurance
Ferneding Insurance is consistently ranked highest in the Dayton area due to its exceptional customer service and comprehensive coverage options.
Most Reviewed
Robert K. Jones Insurance Agency, LTD.
Having the most online reviews indicates broad customer engagement and trust, which can help you gauge real-world experiences with the agency.
When choosing an insurance agent in Dayton, compare quotes from multiple agencies and ask about local claims handling. Also verify each agent's specific expertise in auto, home, or life insurance to match your needs.
Local Market Snapshot
19
Businesses listed
4.8★
Avg rating
203
Avg reviews
Jun 10, 2026
Last updated
Top Rated Insurance Agents
Trusted by thousands with a perfect 5.0-star rating from 1793 Google reviews.
7601 Paragon Rd Suite 303, Dayton, OH 45459, USAHighly rated Dayton insurance agent with 4.8 stars from over 600 reviews.
6100 Chambersburg Rd, Huber Heights, OH 45424, USAShoppers love this top-rated Dayton insurance agent, earning a flawless 5.0 stars from hundreds of reviews.
207 W Franklin St, Centerville, OH 45459, USAInsurance 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 | LFL Insurance Agency, LLC8141 N Main St suite c, Dayton, OH 45415, USA | 4.8★ | 44 |
| #8 | Insurance Works10809 Yankee St, Washington Township, OH 45458, USA | 4.9★ | 40 |
| #9 | The Uhl Agency7755 Paragon Rd, Dayton, OH 45459, USA | 4.8★ | 26 |
| #10 | Stevens Insurance Agency, LLC8194 Liberty Way, West Chester Township, OH 45069, USA | 4.8★ | 146 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Insurance Agents in Dayton
Trusted Dayton insurance agent with a 4.8-star rating from 38 reviews.
3809 Wilmington Pike #100, Kettering, OH 45429, USA
Rated 4.9 stars from 93 reviews, this Dayton insurance agent is highly trusted.
3320 Office Park Dr, Dayton, OH 45439, USA
4.8 stars from nearly 50 Google reviews, reflecting exceptional client satisfaction.
5540 Far Hills Ave, Dayton, OH 45429, USA
A trusted Dayton insurance agent with a 4.8-star rating from 44 reviews.
8141 N Main St suite c, Dayton, OH 45415, USA
4.9-star rating from 40 Google reviews reflects exceptional local client satisfaction.
10809 Yankee St, Washington Township, OH 45458, USA
Rated 4.8 stars from 26 Google reviews, reflecting strong local trust.
7755 Paragon Rd, Dayton, OH 45459, USA
Dayton's most trusted insurance agent with 4.8★ from over 140 reviews.
8194 Liberty Way, West Chester Township, OH 45069, USA
Trusted by hundreds of local clients, this Dayton agent holds a stellar 4.8-star rating.
1017 W Third St, Dayton, OH 45402, USA
Dayton's top-rated insurance agent with a perfect 5.0★ score from 119 reviews.
733 Salem Ave, Dayton, OH 45406, USA
Trusted by locals with a 4.9-star average from over 100 Google reviews.
8393 N Main St, Dayton, OH 45415, USA
Proudly rated 4.9 stars from 92 Google reviews in Dayton.
7825 N Dixie Dr a, Dayton, OH 45414, USA
Earning 4.8 stars from 85 reviews, this Dayton insurance agent is highly trusted by clients.
1050 S Main St, Dayton, OH 45409, USA
Trusted by locals with a strong 4.7-star rating from 77 reviews.
2217 Miamisburg Centerville Rd, Dayton, OH 45459, USA
Trusted by 61 clients with a strong 4.5-star Google rating.
5525 N Dixie Dr, Dayton, OH 45414, USA
49 Google reviews give this Dayton insurance agent a solid 4.3-star rating.
2457 N Gettysburg Ave, Dayton, OH 45406, USA
Shoppers give this local insurance agent a solid 4.4 stars across 29 reviews.
2412 S Smithville Rd, Dayton, OH 45420, USA
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Insurance Agents in Dayton, OH — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Meridian Capstone Insurance | 88/100 | 5.0 ★ | 1,793 |
| 2 | Acceptance Insurance | 85/100 | 4.8 ★ | 601 |
| 3 | Greg Fay Insurance Agency | 88/100 | 5.0 ★ | 247 |
| 4 | Robert K. Jones Insurance Agency, LTD. | 75/100 | 4.8 ★ | 38 |
| 5 | Sanderson Insurance Agency | 81/100 | 4.9 ★ | 93 |
| 6 | Ferneding Insurance | 76/100 | 4.8 ★ | 49 |
| 7 | LFL Insurance Agency, LLC | 76/100 | 4.8 ★ | 44 |
| 8 | Insurance Works | 77/100 | 4.9 ★ | 40 |
| 9 | The Uhl Agency | 73/100 | 4.8 ★ | 26 |
| 10 | Stevens Insurance Agency, LLC | 82/100 | 4.8 ★ | 146 |
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 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: June 10, 2026.
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