Verified · Downey
Trusted Insurance Agents in Downey, CA
Trust matters when you're inviting a pro into your home or business. These insurance agents in Downey have earned it through hundreds of verified reviews.
As of May 2026, RatingsNearMe ranks 20 insurance agents in Downey, CA by verified customer ratings and review volume. The highest-rated is Efferem Sanchez - State Farm Insurance Agent with a 5.0-star rating from 478 verified reviews. 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 May 17, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
20
Businesses listed
4.7★
Avg rating
212
Avg reviews
May 17, 2026
Last updated
Top Rated Insurance Agents
Efferem Sanchez - State Farm Insurance Agent
12327 Woodruff Ave, Downey, CA 90241, USA
Freeway Insurance
12142 Lakewood Blvd, Downey, CA 90242, USA
AAA Downey Insurance and Member Services
8223 Firestone Blvd, Downey, CA 90241, USA
Insurance 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 | Quick Insurance and Taxes8039 Imperial Hwy., Downey, CA 90242, USA | 5.0★ | 41 |
| #5 | Farmers Insurance - Guadalupe Diaz10833 Downey Ave, Downey, CA 90241, USA | 4.9★ | 7 |
| #6 | Veronica's Insurance Downey7846 Florence Ave, Downey, CA 90240, USA | 4.7★ | 207 |
| #7 | Pablo Sanchez - State Farm Insurance Agent9411 Firestone Blvd Ste 2, Downey, CA 90241, USA | 4.9★ | 292 |
| #8 | Strong Tie Insurance Services Inc.8135 Florence Ave #201, Downey, CA 90240, USA | 4.3★ | 233 |
| #9 | Rob Casares - State Farm Insurance Agent9901 Paramount Blvd #140, Downey, CA 90240, USA | 4.9★ | 319 |
| #10 | Farmers Insurance - Carlos Rubi8345 Firestone Blvd UNIT 320, Downey, CA 90241, USA | 3.0★ | 2 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Insurance Agents in Downey
Quick Insurance and Taxes
8039 Imperial Hwy., Downey, CA 90242, USA
Farmers Insurance - Guadalupe Diaz
10833 Downey Ave, Downey, CA 90241, USA
Veronica's Insurance Downey
7846 Florence Ave, Downey, CA 90240, USA
Pablo Sanchez - State Farm Insurance Agent
9411 Firestone Blvd Ste 2, Downey, CA 90241, USA
Strong Tie Insurance Services Inc.
8135 Florence Ave #201, Downey, CA 90240, USA
Rob Casares - State Farm Insurance Agent
9901 Paramount Blvd #140, Downey, CA 90240, USA
Farmers Insurance - Carlos Rubi
8345 Firestone Blvd UNIT 320, Downey, CA 90241, USA
Original Insurance Services
9907-B Paramount Blvd, Downey, CA 90240, USA
Robert Does Insurance Services
10802 Downey Ave, Downey, CA 90241, USA
Lou Grimaldi - State Farm Insurance Agent
8050 Florence Ave UNIT 10, Downey, CA 90240, USA
Whendys insurance agency
10727 Paramount Blvd suite 9, Downey, CA 90241, USA
Highway ONE Insurance & Registration Services
10810 Paramount Blvd #102, Downey, CA 90241, USA
Inszone Insurance Services
10535 Paramount Blvd #100, Downey, CA 90241, USA
Farmers Insurance - Andy Zuloaga
11108 Downey Ave, Downey, CA 90241, USA
Farmers Insurance - Ana Rodriguez
8280 Florence Ave Ste 125, Downey, CA 90240, USA
A-MAX Insurance
12010 Paramount Blvd, Downey, CA 90242, USA
Stephanie’s Insurance Services
9900 Lakewood Blvd Suite 201, Downey, CA 90240, USA
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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: May 17, 2026.
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