Top Picks · Encinitas
Best Insurance Agents in Encinitas, CA
Rated and reviewed by real customers. Compare prices, read reviews, and call the top pros near you — for free.
As of June 2026, RatingsNearMe ranks 18 insurance agents in Encinitas, CA by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is The Insurance Place with a 4.9-star rating from 295 Google reviews and an RNM Score of 98/100. Also in the top tier: Macario Insurance Group and Sara Freund - State Farm Insurance Agent. The average rating across all listed insurance agents in Encinitas is 4.9 stars from 95 reviews per business on average.
Insurance in Encinitas: 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 Encinitas Insurance and Member Services
AAA Encinitas stands out as the top-ranked choice due to its trusted brand reputation and comprehensive insurance and membership services.
Most Reviewed
Sara Freund - State Farm Insurance Agent
A high review count suggests a strong track record of customer satisfaction and reliability, helping consumers gauge service quality.
When choosing an insurance agent in Encinitas, compare quotes and customer service reviews from multiple agents to find the best coverage and rates for your needs. Consider local agents like those listed for personalized service.
Local Market Snapshot
18
Businesses listed
4.9★
Avg rating
95
Avg reviews
Jun 13, 2026
Last updated
Top Rated Insurance Agents
Rated 4.9 stars from nearly 300 reviews, this Encinitas insurance agent is highly trusted.
2111 Palomar Airport Rd # 322, Carlsbad, CA 92011, USA5.0 stars from 230 Google reviews, reflecting exceptional local client satisfaction.
440 Stevens Ave #200, Solana Beach, CA 92075, USAPraised by hundreds of Encinitas clients, maintaining a perfect 5.0-star rating.
243 N Hwy 101 Ste 22, Solana Beach, CA 92075, USAInsurance Agents Rankings in Encinitas, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | The Insurance Place2111 Palomar Airport Rd # 322, Carlsbad, CA 92011, USA | 4.9★ | 295 |
| #2 | Macario Insurance Group440 Stevens Ave #200, Solana Beach, CA 92075, USA | 5.0★ | 230 |
| #3 | Sara Freund - State Farm Insurance Agent243 N Hwy 101 Ste 22, Solana Beach, CA 92075, USA | 5.0★ | 205 |
| #4 | Farmers Insurance - Thomas Krynicki360 N El Camino Real # 3C, Encinitas, CA 92024, USA | 5.0★ | 3 |
| #5 | CJT Insurance, Vehicle Registration, VIN Verification144 W D St Suite 109, Encinitas, CA 92024, USA | 5.0★ | 25 |
| #6 | Jake Cesare - State Farm Insurance Agent227 N El Camino Real Ste 206, Encinitas, CA 92024, USA | 4.9★ | 117 |
| #7 | Farmers Insurance - Tony Frausto360 N El Camino Real # 3C, Encinitas, CA 92024, USA | 5.0★ | 1 |
| #8 | Eichman Insurance Agency16236 San Dieguito Rd Ste 5-21, Rancho Santa Fe, CA 92091, USA | 5.0★ | 20 |
| #9 | Farmers Insurance - Julie Haidao187 Calle Magdalena Suite 110, Encinitas, CA 92024, USA | 4.8★ | 24 |
| #10 | Rancho Del Sur Insurance Services, Inc.11622 El Camino Real # 100, San Diego, CA 92130, USA | 5.0★ | 13 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Insurance Agents in Encinitas
Exceptional 5.0-star rating from a handful of Google reviews for local insurance needs.
360 N El Camino Real # 3C, Encinitas, CA 92024, USA
Rated 5.0 stars from 25 Google reviews, this Encinitas insurance agent is highly trusted.
144 W D St Suite 109, Encinitas, CA 92024, USA
Hundreds of Google reviews give this Encinitas agent a stellar 4.9-star rating.
227 N El Camino Real Ste 206, Encinitas, CA 92024, USA
Exceptional 5.0-star rating from a small number of Google reviews.
360 N El Camino Real # 3C, Encinitas, CA 92024, USA
Encinitas insurance agent with a perfect 5.0-star rating from over 20 reviews.
16236 San Dieguito Rd Ste 5-21, Rancho Santa Fe, CA 92091, USA
Rated 4.8 stars from 24 reviews, this Encinitas insurance agent earns high client trust.
187 Calle Magdalena Suite 110, Encinitas, CA 92024, USA
Rated 5.0 stars from 13 Google reviews, this insurance agent is highly trusted locally.
11622 El Camino Real # 100, San Diego, CA 92130, USA
Exceptional 5.0-star rating from 13 Google reviews for Encinitas insurance services.
1103 Quail Gardens Ct, Encinitas, CA 92024, USA
Exceptional 5.0-star rating from customers in Encinitas.
676 Polaris Dr, Encinitas, CA 92024, USA
No online reviews are available yet for this Encinitas insurance agent.
4405 Manchester Ave, Encinitas, CA 92024, USA
Encinitas insurance agent with 4.9 stars from over 150 reviews.
531 Encinitas Blvd STE 119, Encinitas, CA 92024, USA
5.0 stars from 83 reviews, making customers consistently happy.
330 Encinitas Blvd suite 202c, Encinitas, CA 92024, USA
Exceptional 5.0-star rating from over 150 Google reviews for Encinitas insurance.
1458 Encinitas Blvd, Encinitas, CA 92024, USA
Exceptional 5.0-star rating from 87 Google reviews in Encinitas.
1036 2nd St, Encinitas, CA 92024, USA
4.4 stars from 185 reviews, reflecting solid local trust.
499 N El Camino Real, Encinitas, CA 92024, USA
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Insurance Agents in Encinitas, CA — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | The Insurance Place | 98/100 | 4.9 ★ | 295 |
| 2 | Macario Insurance Group | 100/100 | 5.0 ★ | 230 |
| 3 | Sara Freund - State Farm Insurance Agent | 99/100 | 5.0 ★ | 205 |
| 4 | Farmers Insurance - Thomas Krynicki | 78/100 | 5.0 ★ | 3 |
| 5 | CJT Insurance, Vehicle Registration, VIN Verification | 88/100 | 5.0 ★ | 25 |
| 6 | Jake Cesare - State Farm Insurance Agent | 86/100 | 4.9 ★ | 117 |
| 7 | Farmers Insurance - Tony Frausto | 74/100 | 5.0 ★ | 1 |
| 8 | Eichman Insurance Agency | 87/100 | 5.0 ★ | 20 |
| 9 | Farmers Insurance - Julie Haidao | 84/100 | 4.8 ★ | 24 |
| 10 | Rancho Del Sur Insurance Services, Inc. | 84/100 | 5.0 ★ | 13 |
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 Encinitas
What is the difference between a captive and independent insurance agent in Encinitas?
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 Encinitas 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 Encinitas?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Encinitas 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
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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 13, 2026.
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