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We don't have insurance agents listed specifically in Downey yet — these top-rated pros from Galveston serve your area and are available for calls and quotes today.
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Same-Day Insurance Agents in Downey, TX
Can't wait a week? These insurance agents in Downey offer same-day or next-day appointments. Call now to check availability.
As of June 2026, RatingsNearMe ranks 20 insurance agents in Downey, TX by verified customer ratings and review volume. The highest-rated is Texas INSURANCE AGENCY with a 2.6-star rating from 5 verified reviews. Also in the top tier: Helix Insurance Group and Insurance Plus Agencies, LLC - Progressive Local Agent. The average rating across all listed insurance agents in Downey is 4.5 stars from 121 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 June 1, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
20
Businesses listed
4.5★
Avg rating
121
Avg reviews
Jun 1, 2026
Last updated
Top Rated Insurance Agents
Texas INSURANCE AGENCY
3020 Palmer Hwy, Texas City, TX 77590, USA
Helix Insurance Group
101 Tiki Dr #202, Galveston, TX 77554, USA
Insurance Plus Agencies, LLC - Progressive Local Agent
2305 FM 517 Rd E, Dickinson, TX 77539, USA
Insurance Agents Rankings in Downey, TX
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Texas INSURANCE AGENCY3020 Palmer Hwy, Texas City, TX 77590, USA | 2.6★ | 5 |
| #2 | Helix Insurance Group101 Tiki Dr #202, Galveston, TX 77554, USA | 4.9★ | 652 |
| #3 | Insurance Plus Agencies, LLC - Progressive Local Agent2305 FM 517 Rd E, Dickinson, TX 77539, USA | 4.9★ | 132 |
| #4 | GIA Insurance6025 Heards Ln, Galveston, TX 77551, USA | 4.1★ | 46 |
| #5 | Goosehead Insurance - Adam Bryant6511 Stewart Rd #9b, Galveston, TX 77551, USA | 3.0★ | 6 |
| #6 | Oleander City Home Insurance Solutions6615 Stewart Rd, Galveston, TX 77551, USA | 5.0★ | 7 |
| #7 | CM SR22 Insurance Group6339 Stewart Rd, Galveston, TX 77551, USA | — | — |
| #8 | NavSav Insurance6202 Stewart Rd, Galveston, TX 77551, USA | 4.1★ | 21 |
| #9 | The O'Donohoe Agency5928 Stewart Rd, Galveston, TX 77551, USA | 4.7★ | 140 |
| #10 | Island Insurance Services, LLC13450 FM3005, Galveston, TX 77554, USA | 5.0★ | 1 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Insurance Agents in Downey
GIA Insurance
6025 Heards Ln, Galveston, TX 77551, USA
Goosehead Insurance - Adam Bryant
6511 Stewart Rd #9b, Galveston, TX 77551, USA
Oleander City Home Insurance Solutions
6615 Stewart Rd, Galveston, TX 77551, USA
CM SR22 Insurance Group
6339 Stewart Rd, Galveston, TX 77551, USA
NavSav Insurance
6202 Stewart Rd, Galveston, TX 77551, USA
The O'Donohoe Agency
5928 Stewart Rd, Galveston, TX 77551, USA
Island Insurance Services, LLC
13450 FM3005, Galveston, TX 77554, USA
TIA-Texas Insurance Agency
3825 Broadway Avenue J, Galveston, TX 77550, USA
Ai United Insurance
3626 Broadway Avenue J, Galveston, TX 77550, USA
American Proud Insurance
2001 45th St, Galveston, TX 77550, USA
Freeway Insurance
3402 Broadway Avenue J, Galveston, TX 77550, USA
Insurance Junction
3320 Broadway Avenue J, Galveston, TX 77550, USA
Farmers Insurance - Luke Bohlman
2228 Mechanic St #100, Galveston, TX 77550, USA
Rochkind Insurance
514 23rd St, Galveston, TX 77550, USA
Katie Kuroski - GEICO Insurance Agent
2640 E League City Pkwy # 106, League City, TX 77573, USA
SMI Insurance
1802 Broadway Avenue J # 118, Galveston, TX 77550, USA
Heffernan Insurance Inc
1703 23rd St, Galveston, TX 77550, 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 TX?
Search the TX Department of Insurance's online license lookup — Google "TX 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 TX 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: June 1, 2026.
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