Top Picks · Fernandina Beach
Best Insurance Agents in Fernandina Beach, FL
Rated and reviewed by real customers. Compare prices, read reviews, and call the top pros near you — for free.
As of June 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 June 9, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Fernandina Beach, FL is home to a variety of insurance agents offering coverage for home, auto, life, and business. Consumers should research local agents' specialties, customer reviews, and pricing to find the best fit for their insurance needs.
- ✓Diverse selection of insurance agents in Fernandina Beach, FL
- ✓Agents offer coverage for home, auto, life, and business insurance
- ✓Research agent specialties, reviews, and pricing to find the right fit
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.
How to Choose a Insurance Agent in Fernandina Beach
What to look for
- • Experience and expertise in the specific insurance products you need
- • Strong customer service and communication skills
- • Familiarity with the Fernandina Beach, FL market and local insurance regulations
- • Willingness to provide references and client testimonials
Questions to ask
- • How long have you been an insurance agent, and what is your experience in the Fernandina Beach area?
- • What insurance products do you specialize in, and how can you help me find the best coverage for my needs?
- • Can you provide references from satisfied clients in Fernandina Beach?
Red flags
- ⚠ Lack of transparency about fees or commissions
- ⚠ Unwillingness to explain policy details or answer your questions
- ⚠ Aggressive sales tactics or pressure to purchase products you don't need
In Florida, insurance agents must be licensed by the state's Department of Financial Services. When choosing an agent, be sure to verify their license and check for any disciplinary actions or complaints.
Local Market Snapshot
19
Businesses listed
4.7★
Avg rating
49
Avg reviews
Jun 9, 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, 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 | Amelia Insurance2384 Sadler Rd, Fernandina Beach, FL 32034, USA | 4.7★ | 18 |
| #6 | Brightway Insurance, The Tarzia Agency960185 Gateway Blvd STE 107, Fernandina Beach, FL 32034, USA | 4.7★ | 127 |
| #7 | Morrow Insurance Group, Inc.1896 S 14th St STE 5, Fernandina Beach, FL 32034, USA | 4.2★ | 23 |
| #8 | Tatum Insurance Agency of Amelia Island5317 S Fletcher Ave #3, Fernandina Beach, FL 32034, USA | 5.0★ | 8 |
| #9 | Compass Group Insurance11 S 11th St, Fernandina Beach, FL 32034, USA | 5.0★ | 40 |
| #10 | Nelson & Associates Insurance, LLC.1890 S 14th St #301, Fernandina Beach, FL 32034, USA | 5.0★ | 26 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Insurance Agents in Fernandina Beach
1411 S 14th St STE M, Fernandina Beach, FL 32034, USA
960185 Gateway Blvd STE 107, Fernandina Beach, FL 32034, USA
1896 S 14th St STE 5, Fernandina Beach, FL 32034, USA
5317 S Fletcher Ave #3, Fernandina Beach, FL 32034, USA
1890 S 14th St #301, Fernandina Beach, FL 32034, USA
474268 E State Rd 200, Fernandina Beach, FL 32034, USA
714 Beech St, Fernandina Beach, FL 32034, USA
474384 E State Rd 200, Fernandina Beach, FL 32034, USA
1901 Island Walkway #113, Fernandina Beach, FL 32034, USA
3321 S Fletcher Ave, Fernandina Beach, FL 32034, USA
911 S 8th St, Fernandina Beach, FL 32034, USA
1890 S 14th St Suite 301, Fernandina Beach, FL 32034, USA
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 | Amelia Insurance | 69/100 | 4.7 ★ | 18 |
| 6 | Brightway Insurance, The Tarzia Agency | 80/100 | 4.7 ★ | 127 |
| 7 | Morrow Insurance Group, Inc. | 62/100 | 4.2 ★ | 23 |
| 8 | Tatum Insurance Agency of Amelia Island | 70/100 | 5.0 ★ | 8 |
| 9 | Compass Group Insurance | 78/100 | 5.0 ★ | 40 |
| 10 | Nelson & Associates Insurance, LLC. | 76/100 | 5.0 ★ | 26 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · June 2026
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.
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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 9, 2026.
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