Best Value · Fernandina Beach
Affordable Insurance Agents in Fernandina Beach, FL
Find quality insurance agents that fit your budget. Compare prices, read reviews, and request free quotes — no obligation.
As of July 2026, RatingsNearMe ranks 19 insurance agents in Fernandina Beach, FL by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Brightway Insurance, The Coastal Agency with a 4.9-star rating from 243 Google reviews and an RNM Score of 86/100. Also in the top tier: Pro-Tech Title & Trust, LLC and Fernando Cevallos - State Farm Insurance Agent. The average rating across all listed insurance agents in Fernandina Beach is 4.7 stars from 49 reviews per business on average.
Insurance in Fernandina Beach: 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
Brightway Insurance, The Tarzia Agency
This combined entity stands out as top-ranked due to consistently high customer satisfaction and a strong local reputation in Fernandina Beach.
Most Reviewed
Brightway Insurance
A high review count signals trust and proven service, helping consumers gauge reliability and community experience.
When choosing an insurance agent in Fernandina Beach, consider both reviews and local expertise; request personalized quotes to compare coverage options and ensure they meet your specific needs.
Local Market Snapshot
19
Businesses listed
4.7★
Avg rating
49
Avg reviews
Jul 4, 2026
Last updated
Top Rated Insurance Agents
Fernandina Beach insurance agent with a 4.9-star rating from 243 Google reviews.
5472 1st Coast Hwy Suite 12, Fernandina Beach, FL 32034, USAFernandina Beach insurance agent with a perfect 5.0-star rating from 129 reviews.
1910 S 14th St, Fernandina Beach, FL 32034, USA5.0★ rating from 96 reviews, showing consistent exceptional customer service.
474418 E State Rd 200, Fernandina Beach, FL 32034, USAInsurance Agents Rankings in Fernandina Beach, FL
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Brightway Insurance, The Coastal Agency5472 1st Coast Hwy Suite 12, Fernandina Beach, FL 32034, USA | 4.9★ | 243 |
| #2 | Pro-Tech Title & Trust, LLC1910 S 14th St, Fernandina Beach, FL 32034, USA | 5.0★ | 129 |
| #3 | Fernando Cevallos - State Farm Insurance Agent474418 E State Rd 200, Fernandina Beach, FL 32034, USA | 5.0★ | 96 |
| #4 | 8 Flags Insurance Agency1411 S 14th St STE M, Fernandina Beach, FL 32034, USA | 4.9★ | 47 |
| #5 | Compass Group Insurance11 S 11th St, Fernandina Beach, FL 32034, USA | 5.0★ | 40 |
| #6 | Estrella Insurance474268 E State Rd 200, Fernandina Beach, FL 32034, USA | 4.9★ | 33 |
| #7 | Morrow Insurance Group, Inc.1896 S 14th St STE 5, Fernandina Beach, FL 32034, USA | 4.2★ | 23 |
| #8 | Amelia Insurance2384 Sadler Rd, Fernandina Beach, FL 32034, USA | 4.7★ | 18 |
| #9 | Patriot Growth Insurance Services, LLC911 S 8th St, Fernandina Beach, FL 32034, USA | 3.9★ | 12 |
| #10 | Llerandi Insurance Group474384 E State Rd 200, Fernandina Beach, FL 32034, USA | 4.3★ | 10 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Insurance Agents in Fernandina Beach
Trusted locally with a 4.9-star rating from 47 reviews.
1411 S 14th St STE M, Fernandina Beach, FL 32034, USA
Exceptional 5.0-star rating from 40 Google reviews for dependable local insurance guidance.
11 S 11th St, Fernandina Beach, FL 32034, USA
4.9-star rating from 33 Google reviews for a local Fernandina Beach insurance agent.
474268 E State Rd 200, Fernandina Beach, FL 32034, USA
Trusted locally with a solid 4.2★ rating from over 20 Google reviews.
1896 S 14th St STE 5, Fernandina Beach, FL 32034, USA
4.7 stars from 18 reviews, trusted by local clients in Fernandina Beach.
2384 Sadler Rd, Fernandina Beach, FL 32034, USA
Rated 3.9 stars from 12 Google reviews, offering a mixed but balanced reputation.
911 S 8th St, Fernandina Beach, FL 32034, USA
Rated 4.3 stars from 10 Google reviews, this Fernandina Beach insurance agent is well-regarded.
474384 E State Rd 200, Fernandina Beach, FL 32034, USA
Known for a solid 4.1-star rating from a handful of local customer reviews.
117 Centre St, Fernandina Beach, FL 32034, USA
4.3 stars from 6 reviews, reflecting solid local customer satisfaction.
714 Beech St, Fernandina Beach, FL 32034, USA
No reviews yet; check back for customer feedback on this Fernandina Beach insurance agent.
3321 S Fletcher Ave, Fernandina Beach, FL 32034, USA
This insurance agent in Fernandina Beach has no online reviews yet.
1901 Island Walkway #113, Fernandina Beach, FL 32034, USA
Exceptional 5.0-star rating from 6 Google reviews for a Fernandina Beach insurance agent.
1890 S 14th St Suite 301, Fernandina Beach, FL 32034, USA
Rated 5.0 stars from 26 Google reviews, this Fernandina Beach insurance agent is highly trusted.
1890 S 14th St #301, Fernandina Beach, FL 32034, USA
Exceptional 5.0-star rating from 8 Google reviews for a Fernandina Beach insurance agent.
5317 S Fletcher Ave #3, Fernandina Beach, FL 32034, USA
Trusted by locals with a 4.7★ rating from over 125 Google reviews.
960185 Gateway Blvd STE 107, Fernandina Beach, FL 32034, USA
Consistently earns perfect 5.0-star ratings from its customers.
5211 S Fletcher Ave STE 100, Fernandina Beach, FL 32034, USA
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Insurance Agents in Fernandina Beach, FL — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Brightway Insurance, The Coastal Agency | 86/100 | 4.9 ★ | 243 |
| 2 | Pro-Tech Title & Trust, LLC | 85/100 | 5.0 ★ | 129 |
| 3 | Fernando Cevallos - State Farm Insurance Agent | 83/100 | 5.0 ★ | 96 |
| 4 | 8 Flags Insurance Agency | 78/100 | 4.9 ★ | 47 |
| 5 | Compass Group Insurance | 78/100 | 5.0 ★ | 40 |
| 6 | Estrella Insurance | 76/100 | 4.9 ★ | 33 |
| 7 | Morrow Insurance Group, Inc. | 62/100 | 4.2 ★ | 23 |
| 8 | Amelia Insurance | 69/100 | 4.7 ★ | 18 |
| 9 | Patriot Growth Insurance Services, LLC | 54/100 | 3.9 ★ | 12 |
| 10 | Llerandi Insurance Group | 59/100 | 4.3 ★ | 10 |
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 Fernandina Beach
What is the difference between a captive and independent insurance agent in Fernandina Beach?
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 FL?
Search the FL Department of Insurance's online license lookup — Google "FL 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 FL must be licensed with the state.
How much does working with a local insurance agent in Fernandina Beach 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 Fernandina Beach?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Fernandina Beach 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.
Insurance Agents in Nearby Cities
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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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