Pricing Guide · Fairfield
Insurance Agents Cost in Fairfield, CA — 2026 Price Guide
What should you pay for insurance agents in Fairfield? See real 2026 price ranges from local pros and get free quotes to compare.
As of June 2026, RatingsNearMe ranks 19 insurance agents in Fairfield, CA by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Fiesta Auto Insurance & Tax Service with a 4.9-star rating from 892 Google reviews and an RNM Score of 98/100. Also in the top tier: Steele Insurance Agency, Inc. and Cost-U-Less Insurance. The average rating across all listed insurance agents in Fairfield is 4.9 stars from 116 reviews per business on average.
Insurance in Fairfield: agents are typically paid by commission (5–15% of premium) — no cost to you to compare quotes.
Rankings updated June 10, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Fairfield, CA is home to a variety of insurance agents offering a range of coverage options for individuals and businesses. Consumers can find agents representing major insurance providers like State Farm and Farmers Insurance, as well as local independent agencies.
- ✓Fairfield insurance agents provide auto, home, life, and commercial insurance policies
- ✓Consumers can compare quotes and coverage options from multiple local agents
- ✓Independent agencies offer personalized service and the ability to shop multiple insurers
Best Overall
Gigi Horton - State Farm Insurance Agent
Gigi Horton is consistently top-ranked for her personalized service and strong community reputation in Fairfield.
Most Reviewed
Gigi Horton - State Farm Insurance Agent
A high number of reviews indicates broad customer experience and trust in the agent's reliability.
When choosing an insurance agent in Fairfield, consider both the agent's overall rating and the volume of reviews to gauge reliability. Meeting with a top-ranked agent like Gigi Horton can help ensure personalized coverage tailored to your needs.
How to Choose a Insurance Agent in Fairfield
What to look for
- • Extensive experience in the Fairfield, CA insurance market
- • Strong knowledge of local insurance regulations and requirements
- • Ability to provide personalized recommendations based on your unique needs
- • Positive reviews and referrals from other Fairfield, CA residents
Questions to ask
- • How long have you been an insurance agent serving the Fairfield, CA area?
- • What types of insurance policies do you specialize in for Fairfield, CA residents?
- • Can you provide references from other Fairfield, CA clients you've worked with?
Red flags
- ⚠ Lack of familiarity with the Fairfield, CA insurance market
- ⚠ Unwillingness to provide references or client testimonials
- ⚠ Aggressive sales tactics or pressure to purchase policies
In California, insurance agents must be licensed by the California Department of Insurance. Be sure to verify the agent's license and check for any disciplinary actions or complaints.
Local Market Snapshot
19
Businesses listed
4.9★
Avg rating
116
Avg reviews
Jun 10, 2026
Last updated
Top Rated Insurance Agents
Shoppers praise this agent's exceptional service, reflected in a 4.9-star rating from nearly 900 reviews.
1972 N Texas St Ste B, Fairfield, CA 94533, USATrusted by hundreds of local clients, this Fairfield agent holds an exceptional 4.9-star rating.
1411 Oliver Rd Ste #120B, Fairfield, CA 94534, USATrusted by hundreds of Fairfield clients with a near-perfect 4.8★ rating.
2202 W Texas St Ste B, Fairfield, CA 94533, USAInsurance Agents Rankings in Fairfield, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Fiesta Auto Insurance & Tax Service1972 N Texas St Ste B, Fairfield, CA 94533, USA | 4.9★ | 892 |
| #2 | Steele Insurance Agency, Inc.1411 Oliver Rd Ste #120B, Fairfield, CA 94534, USA | 4.9★ | 227 |
| #3 | Cost-U-Less Insurance2202 W Texas St Ste B, Fairfield, CA 94533, USA | 4.8★ | 243 |
| #4 | Firebird Insurance Solutions Llc1000 Texas St # F, Fairfield, CA 94533, USA | 5.0★ | 67 |
| #5 | Affordable Auto Insurance Agency Fairfield1652 W Texas St #269, Fairfield, CA 94533, USA | 5.0★ | 4 |
| #6 | Calidream Insurance Agency870 E Travis Blvd STE G, Fairfield, CA 94533, USA | 5.0★ | 2 |
| #7 | Cali SR Drivers Insurance Solutions1652 W Texas St, Fairfield, CA 94533, USA | 4.0★ | 2 |
| #8 | Farmers Insurance - Jeremy Freitas912 N Texas St, Fairfield, CA 94533, USA | 5.0★ | 3 |
| #9 | Jennifer Robles: Allstate Insurance1002 N Texas St, Fairfield, CA 94533, USA | 4.6★ | 13 |
| #10 | Insurance On The Go Services, Inc1656 N Texas St, Fairfield, CA 94533, USA | 4.8★ | 40 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Insurance Agents in Fairfield
A 5.0-star insurance agent in Fairfield, CA, trusted by 67 reviewers.
1000 Texas St # F, Fairfield, CA 94533, USA
1652 W Texas St #269, Fairfield, CA 94533, USA
870 E Travis Blvd STE G, Fairfield, CA 94533, USA
1652 W Texas St, Fairfield, CA 94533, USA
912 N Texas St, Fairfield, CA 94533, USA
1002 N Texas St, Fairfield, CA 94533, USA
Proudly rated 4.8 stars from 40 glowing Google reviews in Fairfield.
1656 N Texas St, Fairfield, CA 94533, USA
2801 Waterman Blvd Suite 150A, Fairfield, CA 94534, USA
Consistently earns 4.9 stars from over 60 local Google reviews.
1530 Webster St # A, Fairfield, CA 94533, USA
Trusted by hundreds of local clients with a perfect 5.0-star rating.
1000 Texas St Suite E, Fairfield, CA 94533, USA
Trusted by 137 local clients, this Fairfield agent holds a stellar 4.9-star rating.
4775 Mangels Blvd, Fairfield, CA 94534, USA
1327 Oliver Rd, Fairfield, CA 94534, USA
Trusted by hundreds of local clients with a perfect 5.0-star rating.
3338 N Texas St D, Fairfield, CA 94533, USA
Rated 5.0 stars from over 120 Google reviews, this Fairfield agent is highly trusted.
1300 Oliver Rd #110, Fairfield, CA 94534, USA
Exceptional 5.0-star rating from 66 Google reviews in Fairfield, CA.
2801 Waterman Blvd STE 100, Fairfield, CA 94534, USA
912 N Texas St, Fairfield, CA 94533, USA
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Insurance Agents in Fairfield, CA — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Fiesta Auto Insurance & Tax Service | 98/100 | 4.9 ★ | 892 |
| 2 | Steele Insurance Agency, Inc. | 98/100 | 4.9 ★ | 227 |
| 3 | Cost-U-Less Insurance | 96/100 | 4.8 ★ | 243 |
| 4 | Firebird Insurance Solutions Llc | 93/100 | 5.0 ★ | 67 |
| 5 | Affordable Auto Insurance Agency Fairfield | 67/100 | 5.0 ★ | 4 |
| 6 | Calidream Insurance Agency | 64/100 | 5.0 ★ | 2 |
| 7 | Cali SR Drivers Insurance Solutions | 59/100 | 4.0 ★ | 2 |
| 8 | Farmers Insurance - Jeremy Freitas | 78/100 | 5.0 ★ | 3 |
| 9 | Jennifer Robles: Allstate Insurance | 78/100 | 4.6 ★ | 13 |
| 10 | Insurance On The Go Services, Inc | 87/100 | 4.8 ★ | 40 |
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 Fairfield
What is the difference between a captive and independent insurance agent in Fairfield?
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 Fairfield 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 Fairfield?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Fairfield 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 10, 2026.
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