Real Reviews · Fernandina Beach
Top-Reviewed Insurance Agents in Fernandina Beach, FL
What are customers actually saying? Read verified reviews for insurance agents in Fernandina Beach — every rating is from a real customer.
As of May 2026, RatingsNearMe ranks 19 insurance agents in Fernandina Beach, FL by verified customer ratings and review volume. The highest-rated is Brightway Insurance, The Coastal Agency with a 4.9-star rating from 243 verified reviews. Also in the top tier: Pro-Tech Title & Trust, LLC and Brightway Insurance, The Tarzia Agency. 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 May 17, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
19
Businesses listed
4.7★
Avg rating
49
Avg reviews
May 17, 2026
Last updated
Top Rated Insurance Agents
Brightway Insurance, The Coastal Agency
5472 1st Coast Hwy Suite 12, Fernandina Beach, FL 32034, USA
Pro-Tech Title & Trust, LLC
1910 S 14th St, Fernandina Beach, FL 32034, USA
Brightway Insurance, The Tarzia Agency
960185 Gateway Blvd STE 107, Fernandina Beach, FL 32034, USA
Insurance 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 | Brightway Insurance, The Tarzia Agency960185 Gateway Blvd STE 107, Fernandina Beach, FL 32034, USA | 4.7★ | 127 |
| #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 | Morrow Insurance Group, Inc.1896 S 14th St STE 5, Fernandina Beach, FL 32034, USA | 4.2★ | 23 |
| #7 | Tatum Insurance Agency of Amelia Island5317 S Fletcher Ave #3, Fernandina Beach, FL 32034, USA | 5.0★ | 8 |
| #8 | Fernando Cevallos - State Farm Insurance Agent474418 E State Rd 200, Fernandina Beach, FL 32034, USA | 5.0★ | 96 |
| #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 May 2026
All Insurance Agents in Fernandina Beach
8 Flags Insurance Agency
1411 S 14th St STE M, Fernandina Beach, FL 32034, USA
Amelia Insurance
2384 Sadler Rd, Fernandina Beach, FL 32034, USA
Morrow Insurance Group, Inc.
1896 S 14th St STE 5, Fernandina Beach, FL 32034, USA
Tatum Insurance Agency of Amelia Island
5317 S Fletcher Ave #3, Fernandina Beach, FL 32034, USA
Fernando Cevallos - State Farm Insurance Agent
474418 E State Rd 200, Fernandina Beach, FL 32034, USA
Compass Group Insurance
11 S 11th St, Fernandina Beach, FL 32034, USA
Nelson & Associates Insurance, LLC.
1890 S 14th St #301, Fernandina Beach, FL 32034, USA
Estrella Insurance
474268 E State Rd 200, Fernandina Beach, FL 32034, USA
Harper Insurance Agency Inc.
714 Beech St, Fernandina Beach, FL 32034, USA
Amelia Underwriters
117 Centre St, Fernandina Beach, FL 32034, USA
Llerandi Insurance Group
474384 E State Rd 200, Fernandina Beach, FL 32034, USA
Raulerson Insurance Group
1901 Island Walkway #113, Fernandina Beach, FL 32034, USA
CM SR22 Insurance Group
3321 S Fletcher Ave, Fernandina Beach, FL 32034, USA
Patriot Growth Insurance Services, LLC
911 S 8th St, Fernandina Beach, FL 32034, USA
Farm Bureau Insurance - Fernandina Beach
1890 S 14th St Suite 301, Fernandina Beach, FL 32034, USA
McGriff Insurance Services
5211 S Fletcher Ave STE 100, Fernandina Beach, FL 32034, USA
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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.
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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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