Local Pros · Elizabeth
Local Insurance Agents in Elizabeth, NJ
Locally owned and operated insurance agents serving Elizabeth and the surrounding area. Supporting local businesses means faster response and accountability.
As of May 2026, RatingsNearMe ranks 17 insurance agents in Elizabeth, NJ by verified customer ratings and review volume. The highest-rated is Marc Torres - State Farm Insurance Agent with a 4.9-star rating from 523 verified reviews. Also in the top tier: Dave Carrubba - State Farm Insurance Agent and Cuartas Insurance Agency. The average rating across all listed insurance agents in Elizabeth is 4.7 stars from 172 reviews per business on average.
Insurance in Elizabeth: 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
17
Businesses listed
4.7★
Avg rating
172
Avg reviews
May 17, 2026
Last updated
Top Rated Insurance Agents
Marc Torres - State Farm Insurance Agent
433 N Wood Ave, Linden, NJ 07036, USA
Dave Carrubba - State Farm Insurance Agent
321 Rahway Ave, Elizabeth, NJ 07202, USA
Cuartas Insurance Agency
34 Rankin St, Elizabeth, NJ 07206, USA
Insurance Agents Rankings in Elizabeth, NJ
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Marc Torres - State Farm Insurance Agent433 N Wood Ave, Linden, NJ 07036, USA | 4.9★ | 523 |
| #2 | Dave Carrubba - State Farm Insurance Agent321 Rahway Ave, Elizabeth, NJ 07202, USA | 4.7★ | 254 |
| #3 | Cuartas Insurance Agency34 Rankin St, Elizabeth, NJ 07206, USA | 4.9★ | 571 |
| #4 | Carlos Ferrer Travel Agency58 3rd St, Elizabethport, NJ 07206, USA | 4.2★ | 41 |
| #5 | Monteiro's Agency1324 North Ave, Elizabeth, NJ 07208, USA | 4.9★ | 15 |
| #6 | Empire Multi Services LLC131 1st St, Elizabeth, NJ 07206, USA | 5.0★ | 42 |
| #7 | Global Insurance Agency514 Westfield Ave #1, Elizabeth, NJ 07208, USA | 4.8★ | 19 |
| #8 | Alpha Agency LLC89 Elmora Ave, Elizabeth, NJ 07202, USA | 3.6★ | 12 |
| #9 | Insurance Associates Plus1523 Morris Ave, Union, NJ 07083, USA | 4.5★ | 31 |
| #10 | GAB HARPER'S INSURANCE1 Kilsyth Rd, Elizabeth, NJ 07208, USA | — | — |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Insurance Agents in Elizabeth
Carlos Ferrer Travel Agency
58 3rd St, Elizabethport, NJ 07206, USA
Monteiro's Agency
1324 North Ave, Elizabeth, NJ 07208, USA
Empire Multi Services LLC
131 1st St, Elizabeth, NJ 07206, USA
ARRIETA INSURANCE AGENCY
570 N Broad St suite 7, Elizabeth, NJ 07208, USA
New Century Insurance Agency Brokerage
443 Elizabeth Ave, Elizabeth, NJ 07206, USA
Zenith Agency LLC
1000 Elizabeth Ave suite b, Elizabeth, NJ 07201, USA
InsureOne Insurance
1089 Elizabeth Ave #7, Elizabeth, NJ 07201, USA
Angel Rodriguez - State Farm Insurance Agent
902 2nd Ave, Elizabeth, NJ 07201, USA
RCX Insurance Agency
847 E Jersey St, Elizabeth, NJ 07201, USA
UPIX INSURANCE
729 Edgar Rd, Elizabeth, NJ 07202, USA
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Frequently Asked Questions — Insurance Agents in Elizabeth
What is the difference between a captive and independent insurance agent in Elizabeth?
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 NJ?
Search the NJ Department of Insurance's online license lookup — Google "NJ 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 NJ must be licensed with the state.
How much does working with a local insurance agent in Elizabeth 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 Elizabeth?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Elizabeth 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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