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Insurance Agents in Escondido, CA — Free Estimates
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As of June 2026, RatingsNearMe ranks 19 insurance agents in Escondido, CA by verified customer ratings and review volume. The highest-rated is Farmers Insurance - Richard Khasim with a 4.9-star rating from 368 verified reviews. Also in the top tier: Only Way Insurance-Escondido and AAA Escondido Insurance and Member Services. The average rating across all listed insurance agents in Escondido is 4.9 stars from 150 reviews per business on average.
Insurance in Escondido: 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
4.9★
Avg rating
150
Avg reviews
Jun 1, 2026
Last updated
Top Rated Insurance Agents
Farmers Insurance - Richard Khasim
1310 E Valley Pkwy Ste 104, Escondido, CA 92027, USA
Only Way Insurance-Escondido
728 N Escondido Blvd ste c, Escondido, CA 92025, USA
AAA Escondido Insurance and Member Services
800 La Terraza Blvd, Escondido, CA 92025, USA
Insurance Agents Rankings in Escondido, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Farmers Insurance - Richard Khasim1310 E Valley Pkwy Ste 104, Escondido, CA 92027, USA | 4.9★ | 368 |
| #2 | Only Way Insurance-Escondido728 N Escondido Blvd ste c, Escondido, CA 92025, USA | 4.9★ | 353 |
| #3 | AAA Escondido Insurance and Member Services800 La Terraza Blvd, Escondido, CA 92025, USA | 4.5★ | 459 |
| #4 | Freeway Insurance341 W Mission Ave, Escondido, CA 92025, USA | 4.8★ | 246 |
| #5 | HJM Insurance Services, Inc.500 La Terraza Blvd Suite 150, Escondido, CA 92025, USA | 5.0★ | 194 |
| #6 | All Discount Insurance Services, Inc.150 W El Norte Pkwy #B, Escondido, CA 92026, USA | 5.0★ | 33 |
| #7 | Tim Giblin - State Farm Insurance Agent133 S Escondido Blvd, Escondido, CA 92025, USA | 5.0★ | 149 |
| #8 | Valley Center Insurance Agency, Inc - Escondido420 S Broadway #201, Escondido, CA 92025, USA | 5.0★ | 6 |
| #9 | Adriana's Insurance Services601 N Broadway ste c, Escondido, CA 92025, USA | 4.6★ | 341 |
| #10 | Farmers Insurance - Kraig Heiland402 E 2nd Ave, Escondido, CA 92025, USA | 4.9★ | 217 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Insurance Agents in Escondido
Freeway Insurance
341 W Mission Ave, Escondido, CA 92025, USA
HJM Insurance Services, Inc.
500 La Terraza Blvd Suite 150, Escondido, CA 92025, USA
All Discount Insurance Services, Inc.
150 W El Norte Pkwy #B, Escondido, CA 92026, USA
Tim Giblin - State Farm Insurance Agent
133 S Escondido Blvd, Escondido, CA 92025, USA
Valley Center Insurance Agency, Inc - Escondido
420 S Broadway #201, Escondido, CA 92025, USA
Adriana's Insurance Services
601 N Broadway ste c, Escondido, CA 92025, USA
Farmers Insurance - Kraig Heiland
402 E 2nd Ave, Escondido, CA 92025, USA
D A Insurance Brokers
665 N Escondido Blvd, Escondido, CA 92025, USA
Pronto Insurance Agency
608 N Escondido Blvd STE B, Escondido, CA 92025, USA
Fiesta Auto Insurance & Tax Service
945 W Valley Pkwy, Escondido, CA 92025, USA
HealthMarkets Insurance - Marisa Bloom
2579 Dundee Glen Suite 100, Escondido, CA 92026, USA
Escondido Insurance Services
556 S Escondido Blvd, Escondido, CA 92025, USA
Christopher Timmons: Allstate Insurance
1340 W Valley Pkwy Ste 206, Escondido, CA 92029, USA
Steve Beach - State Farm Insurance Agent
402 S Juniper St, Escondido, CA 92025, USA
Buggie Dugger Jr - State Farm Insurance Agent
240 W Crest St Suite B, Escondido, CA 92025, USA
20/20 Insurance Services
225 W Valley Pkwy #101, Escondido, CA 92025, USA
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Frequently Asked Questions — Insurance Agents in Escondido
What is the difference between a captive and independent insurance agent in Escondido?
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 Escondido 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 Escondido?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Escondido 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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