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Insurance Agents in Detroit, MI — Free Estimates
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As of May 2026, RatingsNearMe ranks 14 insurance agents in Detroit, MI by verified customer ratings and review volume. The highest-rated is L.A. Insurance with a 4.9-star rating from 900 verified reviews. Also in the top tier: CoverTree and PKIG | Phil Klein Insurance Group. The average rating across all listed insurance agents in Detroit is 4.7 stars from 261 reviews per business on average.
Insurance in Detroit: 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
14
Businesses listed
4.7★
Avg rating
261
Avg reviews
May 17, 2026
Last updated
Top Rated Insurance Agents
L.A. Insurance
2922 W Grand Blvd, Detroit, MI 48202, USA
CoverTree
1555 Broadway St Floor 2, Detroit, MI 48226, USA
PKIG | Phil Klein Insurance Group
7125 Orchard Lake Rd #302, West Bloomfield Township, MI 48322, USA
Insurance Agents Rankings in Detroit, MI
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | L.A. Insurance2922 W Grand Blvd, Detroit, MI 48202, USA | 4.9★ | 900 |
| #2 | CoverTree1555 Broadway St Floor 2, Detroit, MI 48226, USA | 4.8★ | 1,385 |
| #3 | PKIG | Phil Klein Insurance Group7125 Orchard Lake Rd #302, West Bloomfield Township, MI 48322, USA | 4.9★ | 641 |
| #4 | Premier Insurance Detroit15363 Livernois, Detroit, MI 48238, USA | 4.4★ | 114 |
| #5 | Family Auto Insurance Agency6442 Michigan Ave, Detroit, MI 48210, USA | 3.8★ | 62 |
| #6 | Long Insurance Services, LLC3031 W Grand Blvd #529, Detroit, MI 48202, USA | 4.8★ | 16 |
| #7 | J. Healan Baker Agency645 Griswold St # 2015, Detroit, MI 48226, USA | 5.0★ | 27 |
| #8 | Erica Lindsay The Insurance Lady, Agency LLC24681 Northwestern Hwy STE 3006, Southfield, MI 48075, USA | 4.9★ | 59 |
| #9 | Gilead Insurance Agency18323 W McNichols Rd, Detroit, MI 48219, USA | 4.2★ | 24 |
| #10 | Jordan A. Mitchell Insurance Agency6925 E Jefferson Ave, Detroit, MI 48207, USA | 5.0★ | 13 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Insurance Agents in Detroit
Premier Insurance Detroit
15363 Livernois, Detroit, MI 48238, USA
Family Auto Insurance Agency
6442 Michigan Ave, Detroit, MI 48210, USA
Long Insurance Services, LLC
3031 W Grand Blvd #529, Detroit, MI 48202, USA
J. Healan Baker Agency
645 Griswold St # 2015, Detroit, MI 48226, USA
Erica Lindsay The Insurance Lady, Agency LLC
24681 Northwestern Hwy STE 3006, Southfield, MI 48075, USA
Gilead Insurance Agency
18323 W McNichols Rd, Detroit, MI 48219, USA
Jordan A. Mitchell Insurance Agency
6925 E Jefferson Ave, Detroit, MI 48207, USA
Shauna Johnson: Allstate Insurance
18711 Grand River Ave, Detroit, MI 48223, USA
PD Dandnaik - State Farm Insurance Agent
7725 Vernor W, Detroit, MI 48209, USA
AAA Insurance - Kange Insurance Agency
18940 Ford Rd, Detroit, MI 48228, USA
Crystal Robertson - State Farm Insurance Agent
7100 Seven Mile W, Detroit, MI 48221, USA
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Frequently Asked Questions — Insurance Agents in Detroit
What is the difference between a captive and independent insurance agent in Detroit?
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 MI?
Search the MI Department of Insurance's online license lookup — Google "MI 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 MI must be licensed with the state.
How much does working with a local insurance agent in Detroit 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 Detroit?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Detroit 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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