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Insurance Agents in Downey, CA — Free Estimates
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As of July 2026, RatingsNearMe ranks 20 insurance agents in Downey, CA by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Efferem Sanchez - State Farm Insurance Agent with a 5.0-star rating from 478 Google reviews and an RNM Score of 88/100. Also in the top tier: Freeway Insurance and AAA Downey Insurance and Member Services. The average rating across all listed insurance agents in Downey is 4.7 stars from 212 reviews per business on average.
Insurance in Downey: agents are typically paid by commission (5–15% of premium) — no cost to you to compare quotes.
Rankings updated July 4, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
Pablo Sanchez - State Farm Insurance Agent
Pablo Sanchez is top-ranked due to strong local reputation and comprehensive insurance offerings.
Most Reviewed
AAA Downey Insurance and Member Services
A high review count indicates broad customer experience and reliability.
Consider comparing quotes from multiple agents and reading recent reviews to find the best coverage and service for your needs.
Local Market Snapshot
20
Businesses listed
4.7★
Avg rating
212
Avg reviews
Jul 4, 2026
Last updated
Top Rated Insurance Agents
Downey insurance agent with a perfect 5.0-star rating from nearly 500 reviews.
12327 Woodruff Ave, Downey, CA 90241, USATrusted by hundreds of clients with a strong 4.7-star rating in Downey.
12142 Lakewood Blvd, Downey, CA 90242, USAA trusted Downey insurance agent with 4.3 stars from nearly 1,000 reviews.
8223 Firestone Blvd, Downey, CA 90241, USAInsurance Agents Rankings in Downey, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Efferem Sanchez - State Farm Insurance Agent12327 Woodruff Ave, Downey, CA 90241, USA | 5.0★ | 478 |
| #2 | Freeway Insurance12142 Lakewood Blvd, Downey, CA 90242, USA | 4.7★ | 502 |
| #3 | AAA Downey Insurance and Member Services8223 Firestone Blvd, Downey, CA 90241, USA | 4.3★ | 943 |
| #4 | Robert Does Insurance Services10802 Downey Ave, Downey, CA 90241, USA | 5.0★ | 25 |
| #5 | Rob Casares - State Farm Insurance Agent9901 Paramount Blvd #140, Downey, CA 90240, USA | 4.9★ | 319 |
| #6 | Quick Insurance and Taxes8039 Imperial Hwy., Downey, CA 90242, USA | 5.0★ | 41 |
| #7 | Stephanie’s Insurance Services9900 Lakewood Blvd Suite 201, Downey, CA 90240, USA | 4.9★ | 39 |
| #8 | Inszone Insurance Services10535 Paramount Blvd #100, Downey, CA 90241, USA | 5.0★ | 14 |
| #9 | A-MAX Insurance12010 Paramount Blvd, Downey, CA 90242, USA | 4.7★ | 416 |
| #10 | Pablo Sanchez - State Farm Insurance Agent9411 Firestone Blvd Ste 2, Downey, CA 90241, USA | 4.9★ | 292 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Insurance Agents in Downey
Boasting a perfect 5.0-star rating from over 25 Google reviews in Downey.
10802 Downey Ave, Downey, CA 90241, USA
Trusted by hundreds of local clients, this Downey agency holds a 4.9-star rating.
9901 Paramount Blvd #140, Downey, CA 90240, USA
5.0 stars from 41 Google reviews, reflecting exceptional local service.
8039 Imperial Hwy., Downey, CA 90242, USA
4.9-star rating from nearly 40 reviews highlights trusted local insurance service.
9900 Lakewood Blvd Suite 201, Downey, CA 90240, USA
Rated 5.0 stars from 14 Google reviews in Downey, CA.
10535 Paramount Blvd #100, Downey, CA 90241, USA
Trusted Downey insurance agent with 4.7 stars from over 400 reviews.
12010 Paramount Blvd, Downey, CA 90242, USA
4.9-star rating from nearly 300 Google reviews, reflecting exceptional local service.
9411 Firestone Blvd Ste 2, Downey, CA 90241, USA
A Downey insurance agent with a solid 4.3-star rating from over 200 reviews.
8135 Florence Ave #201, Downey, CA 90240, USA
Trusted by hundreds with a strong 4.7-star rating from local clients.
7846 Florence Ave, Downey, CA 90240, USA
Trusted by hundreds of locals with an exceptional 4.9-star rating.
8050 Florence Ave UNIT 10, Downey, CA 90240, USA
Trusted by hundreds of local clients with a near-perfect 4.9-star rating.
10810 Paramount Blvd #102, Downey, CA 90241, USA
Trusted by locals with a 4.9-star rating from 94 reviews.
9907-B Paramount Blvd, Downey, CA 90240, USA
Trusted by locals with a 4.8-star rating from over 70 reviews.
11108 Downey Ave, Downey, CA 90241, USA
5.0 stars from 7 reviews, reflecting consistent local client satisfaction.
10727 Paramount Blvd suite 9, Downey, CA 90241, USA
Trusted by locals with a perfect 4.9-star rating from 7 reviews.
10833 Downey Ave, Downey, CA 90241, USA
Consistently rated 3.0 stars from 2 reviews, offering basic local insurance services.
8345 Firestone Blvd UNIT 320, Downey, CA 90241, USA
An insurance agent in Downey, CA with no customer reviews yet.
8280 Florence Ave Ste 125, Downey, CA 90240, USA
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Insurance Agents in Downey, CA — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Efferem Sanchez - State Farm Insurance Agent | 88/100 | 5.0 ★ | 478 |
| 2 | Freeway Insurance | 83/100 | 4.7 ★ | 502 |
| 3 | AAA Downey Insurance and Member Services | 76/100 | 4.3 ★ | 943 |
| 4 | Robert Does Insurance Services | 76/100 | 5.0 ★ | 25 |
| 5 | Rob Casares - State Farm Insurance Agent | 87/100 | 4.9 ★ | 319 |
| 6 | Quick Insurance and Taxes | 79/100 | 5.0 ★ | 41 |
| 7 | Stephanie’s Insurance Services | 77/100 | 4.9 ★ | 39 |
| 8 | Inszone Insurance Services | 73/100 | 5.0 ★ | 14 |
| 9 | A-MAX Insurance | 83/100 | 4.7 ★ | 416 |
| 10 | Pablo Sanchez - State Farm Insurance Agent | 87/100 | 4.9 ★ | 292 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · July 2026
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Frequently Asked Questions — Insurance Agents in Downey
What is the difference between a captive and independent insurance agent in Downey?
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 Downey 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 Downey?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Downey 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: July 4, 2026.
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