Verified · Fairfield
Trusted Insurance Agents in Fairfield, OH
Trust matters when you're inviting a pro into your home or business. These insurance agents in Fairfield have earned it through hundreds of verified reviews.
As of July 2026, RatingsNearMe ranks 16 insurance agents in Fairfield, OH by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Chris Champ - State Farm Insurance Agent with a 5.0-star rating from 532 Google reviews and an RNM Score of 88/100. Also in the top tier: Michael Garland - State Farm Insurance Agent and Lighthouse Agency Insurance. The average rating across all listed insurance agents in Fairfield is 4.7 stars from 129 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 July 4, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
Willis Murphy Advantage Insurance Agency
Willis Murphy Advantage Insurance Agency stands out as the top-ranked agency, offering personalized service and a strong local reputation.
Most Reviewed
Willis Murphy Advantage Insurance Agency
A high review count indicates broad customer trust and consistent service quality.
When choosing an insurance agent in Fairfield, consider both the number of reviews and the specific coverage options each agency offers. It's wise to compare quotes and ask about discounts to find the best fit for your needs.
Local Market Snapshot
16
Businesses listed
4.7★
Avg rating
129
Avg reviews
Jul 4, 2026
Last updated
Top Rated Insurance Agents
5.0 stars from over 530 reviews, making this a top-rated local choice.
5409 Dixie Hwy, Fairfield, OH 45014, USATrusted by hundreds of local clients, this Fairfield agent holds a flawless 5.0-star rating.
5306 S Gilmore Rd, Fairfield, OH 45014, USATrusted Fairfield insurance agent with a perfect 5.0-star rating from 270 reviews.
2794 Mack Rd Suite B, Fairfield, OH 45014, USAInsurance Agents Rankings in Fairfield, OH
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Chris Champ - State Farm Insurance Agent5409 Dixie Hwy, Fairfield, OH 45014, USA | 5.0★ | 532 |
| #2 | Michael Garland - State Farm Insurance Agent5306 S Gilmore Rd, Fairfield, OH 45014, USA | 5.0★ | 289 |
| #3 | Lighthouse Agency Insurance2794 Mack Rd Suite B, Fairfield, OH 45014, USA | 5.0★ | 270 |
| #4 | Preferred-Protectors Insurance Agency1260 Nilles Rd #2, Fairfield, OH 45014, USA | 4.6★ | 38 |
| #5 | United Heartland Insurance Agencies150 High St, Hamilton, OH 45011, USA | 4.7★ | 43 |
| #6 | Ingram Insurance Agency600 Symmes Rd, Hamilton, OH 45015, USA | 4.7★ | 54 |
| #7 | Willis Murphy Advantage Insurance Agency300 High St #550, Hamilton, OH 45011, USA | 5.0★ | 36 |
| #8 | 1st Choice Insurance Agency LLC7500 Dixie Hwy suite B, Fairfield, OH 45014, USA | 4.7★ | 198 |
| #9 | Hal Kresser Agency LLC650 Wessel Dr, Fairfield, OH 45014, USA | 4.8★ | 23 |
| #10 | John J. & Thomas R. Schiff & Co., Inc.6200 S Gilmore Rd, Fairfield, OH 45014, USA | 5.0★ | 15 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Insurance Agents in Fairfield
Rated 4.6 stars from 38 Google reviews, this Fairfield insurance agent is highly recommended.
1260 Nilles Rd #2, Fairfield, OH 45014, USA
Trusted Fairfield insurance agent with a 4.7★ average from 43 Google reviews.
150 High St, Hamilton, OH 45011, USA
Trusted by local clients with a strong 4.7-star rating from over 50 reviews.
600 Symmes Rd, Hamilton, OH 45015, USA
Highly rated insurance agent with 5.0 stars from 36 Google reviews.
300 High St #550, Hamilton, OH 45011, USA
Trusted by hundreds of local clients, this Fairfield agent holds a strong 4.7-star rating.
7500 Dixie Hwy suite B, Fairfield, OH 45014, USA
Exceptional 4.8-star rating from 23 Google reviews for this Fairfield insurance agent.
650 Wessel Dr, Fairfield, OH 45014, USA
5.0-star rating from 15 reviews reflects consistently exceptional customer service in Fairfield.
6200 S Gilmore Rd, Fairfield, OH 45014, USA
Fairfield insurance agent with a 3.4-star rating based on 37 customer reviews.
6660 Dixie Hwy Suite 101, Fairfield, OH 45014, USA
Consistently rated 4.8 stars across 17 reviews from local clients.
4271 Hamilton Cleves Rd Ste 1, Fairfield, OH 45014, USA
Trusted by 139 local clients with a flawless 4.9-star average rating.
5136 Pleasant Ave, Fairfield, OH 45014, USA
Shoppers consistently praise this agent, reflected in a strong 4.8-star rating from nearly 50 reviews.
1099 Magie Ave, Fairfield, OH 45014, USA
Fairfield insurance agent with 3.4 stars from over 100 Google reviews.
4601 Dixie Hwy, Fairfield, OH 45014, USA
Trusted by 220 local clients, this Fairfield agent maintains a strong 4.7-star rating.
765 Nilles Rd unit c, Fairfield, OH 45014, USA
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Insurance Agents in Fairfield, OH — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Chris Champ - State Farm Insurance Agent | 88/100 | 5.0 ★ | 532 |
| 2 | Michael Garland - State Farm Insurance Agent | 88/100 | 5.0 ★ | 289 |
| 3 | Lighthouse Agency Insurance | 88/100 | 5.0 ★ | 270 |
| 4 | Preferred-Protectors Insurance Agency | 71/100 | 4.6 ★ | 38 |
| 5 | United Heartland Insurance Agencies | 74/100 | 4.7 ★ | 43 |
| 6 | Ingram Insurance Agency | 75/100 | 4.7 ★ | 54 |
| 7 | Willis Murphy Advantage Insurance Agency | 78/100 | 5.0 ★ | 36 |
| 8 | 1st Choice Insurance Agency LLC | 82/100 | 4.7 ★ | 198 |
| 9 | Hal Kresser Agency LLC | 72/100 | 4.8 ★ | 23 |
| 10 | John J. & Thomas R. Schiff & Co., Inc. | 73/100 | 5.0 ★ | 15 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · July 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 OH?
Search the OH Department of Insurance's online license lookup — Google "OH 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 OH 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: July 4, 2026.
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