Highest Rated · El Monte
Top-Rated Insurance Agents in El Monte, CA
Every business ranked by real customer ratings. The pros at the top earned it — through consistent service, not advertising spend.
As of June 2026, RatingsNearMe ranks 19 insurance agents in El Monte, CA by verified customer ratings and review volume. The highest-rated is KCAL Insurance Agency (San Gabriel) | 華興保險 with a 5.0-star rating from 1,110 verified reviews. 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 1, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
19
Businesses listed
4.6★
Avg rating
203
Avg reviews
Jun 1, 2026
Last updated
Top Rated Insurance Agents
KCAL Insurance Agency (San Gabriel) | 華興保險
851 E Valley Blvd #B, San Gabriel, CA 91776, USA
Fiesta Auto Insurance & Tax Service
11912 Garvey Ave, El Monte, CA 91732, USA
Ben Tran - State Farm Insurance Agent
S, 1900 Tyler Ave # B, El Monte, CA 91733, USA
Insurance 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 | El Monte Auto Insurance9550 Flair Dr #200, El Monte, CA 91731, USA | 3.8★ | 20 |
| #5 | Freeway Insurance11820 Valley Blvd Ste 6A, El Monte, CA 91732, USA | 4.7★ | 294 |
| #6 | CGI Agency Insurance4381 Peck Rd, El Monte, CA 91732, USA | 4.9★ | 247 |
| #7 | El Monte Insurance Agency9814 Garvey Ave ste 27, El Monte, CA 91733, USA | 4.3★ | 9 |
| #8 | Veronica's Insurance El Monte10748 Garvey Ave, El Monte, CA 91733, USA | 4.5★ | 151 |
| #9 | Marvin Martinez: Allstate Insurance3580 Santa Anita Ave # J, El Monte, CA 91731, USA | 4.9★ | 171 |
| #10 | Hammer Insurance Services Inc.11629 Lower Azusa Rd, El Monte, CA 91732, USA | 4.8★ | 166 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Insurance Agents in El Monte
El Monte Auto Insurance
9550 Flair Dr #200, El Monte, CA 91731, USA
Freeway Insurance
11820 Valley Blvd Ste 6A, El Monte, CA 91732, USA
CGI Agency Insurance
4381 Peck Rd, El Monte, CA 91732, USA
El Monte Insurance Agency
9814 Garvey Ave ste 27, El Monte, CA 91733, USA
Veronica's Insurance El Monte
10748 Garvey Ave, El Monte, CA 91733, USA
Marvin Martinez: Allstate Insurance
3580 Santa Anita Ave # J, El Monte, CA 91731, USA
Hammer Insurance Services Inc.
11629 Lower Azusa Rd, El Monte, CA 91732, USA
Mundo Latino Insurance
10810 Ramona Blvd, El Monte, CA 91731, USA
Ameego Insurance Services
10954 Main St, El Monte, CA 91731, USA
AAA El Monte Insurance Sales
3534 Peck Rd, El Monte, CA 91731, USA
Prima Insurance Services
11230 Garvey Ave Suite E, El Monte, CA 91733, USA
Farmers Insurance - Luis Ramos
4739 1/2 Peck Rd, El Monte, CA 91732, USA
Amadeus Insurance Services
3736 Peck Rd, El Monte, CA 91731, USA
Revival Insurance Services
2364 Peck Rd, El Monte, CA 91733, USA
A-MAX Insurance
3846 Peck Rd, El Monte, CA 91732, USA
Mercury Insurance - Grettner Insurance Agency
3205 Tyler Ave, El Monte, CA 91731, USA
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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.
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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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