Local Pros · El Monte
Local Insurance Agents in El Monte, CA
Locally owned and operated insurance agents serving El Monte and the surrounding area. Supporting local businesses means faster response and accountability.
As of June 2026, RatingsNearMe ranks 19 insurance agents in El Monte, CA by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is KCAL Insurance Agency (San Gabriel) | 華興保險 with a 5.0-star rating from 1,110 Google reviews and an RNM Score of 88/100. Also in the top tier: Fiesta Auto Insurance & Tax Service and Ben Tran - State Farm Insurance Agent. The average rating across all listed insurance agents in El Monte is 4.6 stars from 203 reviews per business on average.
Insurance in El Monte: agents are typically paid by commission (5–15% of premium) — no cost to you to compare quotes.
Rankings updated June 13, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
AAA El Monte Insurance Sales
As a top-ranked agent, AAA El Monte Insurance Sales stands out for its trusted brand reputation and comprehensive coverage options.
Most Reviewed
AAA El Monte Insurance Sales
A high volume of reviews often indicates reliable service and customer trust, helping consumers gauge overall satisfaction.
When choosing an insurance agent in El Monte, consider both the agent's specialization and customer feedback. It's wise to compare quotes and coverage details to ensure they meet your specific needs.
Local Market Snapshot
19
Businesses listed
4.6★
Avg rating
203
Avg reviews
Jun 13, 2026
Last updated
Top Rated Insurance Agents
El Monte insurance agent with a perfect 5.0-star rating from over 1,100 Google reviews.
851 E Valley Blvd #B, San Gabriel, CA 91776, USATrusted by hundreds of local clients with a 4.8-star rating.
11912 Garvey Ave, El Monte, CA 91732, USA4.9-star rating from over 450 Google reviews for this El Monte insurance agent.
S, 1900 Tyler Ave # B, El Monte, CA 91733, USAInsurance Agents Rankings in El Monte, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | KCAL Insurance Agency (San Gabriel) | 華興保險851 E Valley Blvd #B, San Gabriel, CA 91776, USA | 5.0★ | 1,110 |
| #2 | Fiesta Auto Insurance & Tax Service11912 Garvey Ave, El Monte, CA 91732, USA | 4.8★ | 598 |
| #3 | Ben Tran - State Farm Insurance AgentS, 1900 Tyler Ave # B, El Monte, CA 91733, USA | 4.9★ | 459 |
| #4 | Ameego Insurance Services10954 Main St, El Monte, CA 91731, USA | 4.3★ | 24 |
| #5 | Prima Insurance Services11230 Garvey Ave Suite E, El Monte, CA 91733, USA | 4.6★ | 16 |
| #6 | Farmers Insurance - Luis Ramos4739 1/2 Peck Rd, El Monte, CA 91732, USA | 5.0★ | 107 |
| #7 | Revival Insurance Services2364 Peck Rd, El Monte, CA 91733, USA | 4.4★ | 48 |
| #8 | El Monte Auto Insurance9550 Flair Dr #200, El Monte, CA 91731, USA | 3.8★ | 20 |
| #9 | Amadeus Insurance Services3736 Peck Rd, El Monte, CA 91731, USA | 5.0★ | 18 |
| #10 | Freeway Insurance11820 Valley Blvd Ste 6A, El Monte, CA 91732, USA | 4.7★ | 294 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Insurance Agents in El Monte
4.3 stars from 24 Google reviews, reflecting solid local customer satisfaction.
10954 Main St, El Monte, CA 91731, USA
Trusted by locals with a 4.6★ rating from dozens of Google reviews.
11230 Garvey Ave Suite E, El Monte, CA 91733, USA
5.0 stars from over 100 Google reviews, reflecting exceptional local client satisfaction.
4739 1/2 Peck Rd, El Monte, CA 91732, USA
Consistently rated 4.4 stars across dozens of Google reviews.
2364 Peck Rd, El Monte, CA 91733, USA
A local insurance agent in El Monte with a 3.8-star rating from 20 Google reviews.
9550 Flair Dr #200, El Monte, CA 91731, USA
5.0 stars from 18 reviews, reflecting exceptional local client satisfaction.
3736 Peck Rd, El Monte, CA 91731, USA
4.7 stars from nearly 300 Google reviews, reflecting strong local customer satisfaction.
11820 Valley Blvd Ste 6A, El Monte, CA 91732, USA
Trusted by hundreds of local clients with a near-perfect 4.9-star rating.
4381 Peck Rd, El Monte, CA 91732, USA
Highly rated El Monte insurance agent with 4.1 stars from over 180 reviews.
3534 Peck Rd, El Monte, CA 91731, USA
Highly rated El Monte insurance agent with 4.8 stars from over 160 reviews.
11629 Lower Azusa Rd, El Monte, CA 91732, USA
Trusted by hundreds of local clients, earning a strong 4.5-star rating.
10748 Garvey Ave, El Monte, CA 91733, USA
4.9-star rating from over 120 Google reviews shows trusted local service.
10810 Ramona Blvd, El Monte, CA 91731, USA
5.0 stars from 92 reviews, reflecting exceptional service from this El Monte agent.
3846 Peck Rd, El Monte, CA 91732, USA
A trusted local agent with a solid 4.1-star rating from 16 reviews.
3205 Tyler Ave, El Monte, CA 91731, USA
4.3 stars from 9 reviews for an El Monte insurance agent.
9814 Garvey Ave ste 27, El Monte, CA 91733, USA
Trusted El Monte insurance agent with 4.9 stars from over 170 reviews.
3580 Santa Anita Ave # J, El Monte, CA 91731, USA
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Insurance Agents in El Monte, CA — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | KCAL Insurance Agency (San Gabriel) | 華興保險 | 88/100 | 5.0 ★ | 1,110 |
| 2 | Fiesta Auto Insurance & Tax Service | 85/100 | 4.8 ★ | 598 |
| 3 | Ben Tran - State Farm Insurance Agent | 87/100 | 4.9 ★ | 459 |
| 4 | Ameego Insurance Services | 64/100 | 4.3 ★ | 24 |
| 5 | Prima Insurance Services | 67/100 | 4.6 ★ | 16 |
| 6 | Farmers Insurance - Luis Ramos | 84/100 | 5.0 ★ | 107 |
| 7 | Revival Insurance Services | 69/100 | 4.4 ★ | 48 |
| 8 | El Monte Auto Insurance | 54/100 | 3.8 ★ | 20 |
| 9 | Amadeus Insurance Services | 74/100 | 5.0 ★ | 18 |
| 10 | Freeway Insurance | 83/100 | 4.7 ★ | 294 |
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 El Monte
What is the difference between a captive and independent insurance agent in El Monte?
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 El Monte 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 El Monte?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in El Monte 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.
Insurance Agents in Nearby Cities
Compare top-rated insurance agents in cities near you.
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 13, 2026.
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