Near You · Encinitas
Insurance Agents Near You in Encinitas, CA
Find insurance agents close to you in Encinitas. All results are sorted by proximity and rated by real local customers.
As of June 2026, RatingsNearMe ranks 18 insurance agents in Encinitas, CA by verified customer ratings and review volume. The highest-rated is The Insurance Place with a 4.9-star rating from 295 verified reviews. 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 1, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
18
Businesses listed
4.9★
Avg rating
95
Avg reviews
Jun 1, 2026
Last updated
Top Rated Insurance Agents
The Insurance Place
2111 Palomar Airport Rd # 322, Carlsbad, CA 92011, USA
Macario Insurance Group
440 Stevens Ave #200, Solana Beach, CA 92075, USA
Sara Freund - State Farm Insurance Agent
243 N Hwy 101 Ste 22, Solana Beach, CA 92075, USA
Insurance 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 | Best Quote Insurance Services1103 Quail Gardens Ct, Encinitas, CA 92024, USA | 5.0★ | 13 |
| #5 | Nick Witzmann Insurance Agency330 Encinitas Blvd suite 202c, Encinitas, CA 92024, USA | 5.0★ | 83 |
| #6 | CJT Insurance, Vehicle Registration, VIN Verification144 W D St Suite 109, Encinitas, CA 92024, USA | 5.0★ | 25 |
| #7 | AAA Encinitas Insurance and Member Services499 N El Camino Real, Encinitas, CA 92024, USA | 4.4★ | 185 |
| #8 | Lisa Trapp - State Farm Insurance Agent1458 Encinitas Blvd, Encinitas, CA 92024, USA | 5.0★ | 157 |
| #9 | Schulte Insurance Agency1036 2nd St, Encinitas, CA 92024, USA | 5.0★ | 87 |
| #10 | Insuranca.com676 Polaris Dr, Encinitas, CA 92024, USA | 5.0★ | 2 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Insurance Agents in Encinitas
Best Quote Insurance Services
1103 Quail Gardens Ct, Encinitas, CA 92024, USA
Nick Witzmann Insurance Agency
330 Encinitas Blvd suite 202c, Encinitas, CA 92024, USA
CJT Insurance, Vehicle Registration, VIN Verification
144 W D St Suite 109, Encinitas, CA 92024, USA
AAA Encinitas Insurance and Member Services
499 N El Camino Real, Encinitas, CA 92024, USA
Lisa Trapp - State Farm Insurance Agent
1458 Encinitas Blvd, Encinitas, CA 92024, USA
Farmers Insurance - Julie Haidao
187 Calle Magdalena Suite 110, Encinitas, CA 92024, USA
Rancho Del Sur Insurance Services, Inc.
11622 El Camino Real # 100, San Diego, CA 92130, USA
J R Wood Insurance Agency
4405 Manchester Ave, Encinitas, CA 92024, USA
Katie Beach Harlan - State Farm Insurance Agent
531 Encinitas Blvd STE 119, Encinitas, CA 92024, USA
Eichman Insurance Agency
16236 San Dieguito Rd Ste 5-21, Rancho Santa Fe, CA 92091, USA
Farmers Insurance - Thomas Krynicki
360 N El Camino Real # 3C, Encinitas, CA 92024, USA
Jake Cesare - State Farm Insurance Agent
227 N El Camino Real Ste 206, Encinitas, CA 92024, USA
Farmers Insurance - Tony Frausto
360 N El Camino Real # 3C, Encinitas, CA 92024, USA
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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.
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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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