24/7 Emergency · Fayetteville
Emergency Insurance Agents in Fayetteville, NC — Available 24/7
When you can't wait, these insurance agents in Fayetteville offer emergency response. Call now — most respond within the hour.
As of May 2026, RatingsNearMe ranks 20 insurance agents in Fayetteville, NC by verified customer ratings and review volume. The highest-rated is Insurance Service Center-Agent Sarah Sanders with a 5.0-star rating from 166 verified reviews. Also in the top tier: Hurley Insurance Group and Darden, Miranda & Associates Insurance. The average rating across all listed insurance agents in Fayetteville is 4.7 stars from 172 reviews per business on average.
Insurance in Fayetteville: agents are typically paid by commission (5–15% of premium) — no cost to you to compare quotes.
Rankings updated May 17, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
20
Businesses listed
4.7★
Avg rating
172
Avg reviews
May 17, 2026
Last updated
Top Rated Insurance Agents
Insurance Service Center-Agent Sarah Sanders
2228 Hope Mills Rd, Fayetteville, NC 28304, USA
Hurley Insurance Group
134 N McPherson Church Rd, Fayetteville, NC 28303, USA
Darden, Miranda & Associates Insurance
3007 Fort Bragg Rd, Fayetteville, NC 28303, USA
Insurance Agents Rankings in Fayetteville, NC
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Insurance Service Center-Agent Sarah Sanders2228 Hope Mills Rd, Fayetteville, NC 28304, USA | 5.0★ | 166 |
| #2 | Hurley Insurance Group134 N McPherson Church Rd, Fayetteville, NC 28303, USA | 4.9★ | 185 |
| #3 | Darden, Miranda & Associates Insurance3007 Fort Bragg Rd, Fayetteville, NC 28303, USA | 4.8★ | 140 |
| #4 | Callahan & Rice Insurance Group Inc129 Franklin St, Fayetteville, NC 28301, USA | 4.9★ | 419 |
| #5 | Statewide Insurance912 Hope Mills Rd, Fayetteville, NC 28304, USA | 4.8★ | 71 |
| #6 | Dan Heiman Insurance Agency, Inc505 Owen Dr Suite A, Fayetteville, NC 28304, USA | 4.8★ | 350 |
| #7 | Ai insurance226 Rowan St, Fayetteville, NC 28301, USA | 4.9★ | 140 |
| #8 | Warren Insurance Group - A Highstreet Partner639 Executive Pl STE 200, Fayetteville, NC 28305, USA | 4.9★ | 61 |
| #9 | Superior Insurance Agency6916 Cliffdale Rd, Fayetteville, NC 28314, USA | 3.3★ | 48 |
| #10 | The Barge Group2517 Raeford Rd STE A, Fayetteville, NC 28305, USA | 4.7★ | 309 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Insurance Agents in Fayetteville
Callahan & Rice Insurance Group Inc
129 Franklin St, Fayetteville, NC 28301, USA
Dan Heiman Insurance Agency, Inc
505 Owen Dr Suite A, Fayetteville, NC 28304, USA
Warren Insurance Group - A Highstreet Partner
639 Executive Pl STE 200, Fayetteville, NC 28305, USA
Superior Insurance Agency
6916 Cliffdale Rd, Fayetteville, NC 28314, USA
The Barge Group
2517 Raeford Rd STE A, Fayetteville, NC 28305, USA
Caesar Blue - GEICO Insurance Agent
7835 Good Middling Dr Suite 110, Fayetteville, NC 28304, USA
Collier Insurance & Associates
6310 Ramsey St, Fayetteville, NC 28311, USA
Insurance Service Center
3820 Raeford Rd, Fayetteville, NC 28304, USA
Direct Auto Insurance
4603 Bragg Blvd, Fayetteville, NC 28303, USA
Insurance of the Carolinas
2500 Raeford Rd, Fayetteville, NC 28305, USA
Hayes McDowell - State Farm Insurance Agent
2016 Hope Mills Rd, Fayetteville, NC 28304, USA
Carolina Planning Insurance
1840 Owen Dr #104, Fayetteville, NC 28304, USA
Olde Fayetteville Insurance
1308 Fort Bragg Rd, Fayetteville, NC 28305, USA
Protective Agency
815 Elm St, Fayetteville, NC 28303, USA
Ethan Gardner - State Farm Insurance Agent
2615 Raeford Rd, Fayetteville, NC 28303, USA
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Frequently Asked Questions — Insurance Agents in Fayetteville
What is the difference between a captive and independent insurance agent in Fayetteville?
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 NC?
Search the NC Department of Insurance's online license lookup — Google "NC 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 NC must be licensed with the state.
How much does working with a local insurance agent in Fayetteville 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 Fayetteville?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Fayetteville 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: May 17, 2026.
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