Licensed · Franklin
Licensed & Insured Insurance Agents in Franklin, TN
Every insurance agents listed here carries proper licensing and insurance in TN. Protect yourself — always verify credentials before work begins.
As of June 2026, RatingsNearMe ranks 19 insurance agents in Franklin, TN by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Matt Cole - State Farm Insurance Agent with a 4.9-star rating from 745 Google reviews and an RNM Score of 87/100. Also in the top tier: Caroline Pistole - State Farm Insurance Agent and Boxwood Insurance Group. The average rating across all listed insurance agents in Franklin is 4.8 stars from 143 reviews per business on average.
Insurance in Franklin: agents are typically paid by commission (5–15% of premium) — no cost to you to compare quotes.
Rankings updated June 10, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
Shellnut Insurance and Associates LLC
Shellnut Insurance and Associates LLC is consistently recognized as a top-ranked agency in Franklin, TN, for its personalized service and strong community reputation.
Most Reviewed
Johnston & Associates Insurance
A high number of reviews indicates established trust and a track record of customer satisfaction in the local market.
When selecting an insurance agent in Franklin, compare quotes from multiple top-ranked agencies like those listed to ensure you get the best coverage and service. Also, check each agent's specialization (e.g., auto, home, business) to match your specific needs.
Local Market Snapshot
19
Businesses listed
4.8★
Avg rating
143
Avg reviews
Jun 10, 2026
Last updated
Top Rated Insurance Agents
Top-rated Franklin insurance agent with 4.9 stars from 745 Google reviews.
128 Holiday Ct #110, Franklin, TN 37067, USATrusted by hundreds of local clients with an exceptional 4.9-star rating.
4115 Mallory Ln #100, Franklin, TN 37067, USAFranklin's top-rated insurance agent with a perfect 5.0-star score from 181 reviews.
3020 Stansberry Ln Suite 202, Franklin, TN 37069, USAInsurance Agents Rankings in Franklin, TN
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Matt Cole - State Farm Insurance Agent128 Holiday Ct #110, Franklin, TN 37067, USA | 4.9★ | 745 |
| #2 | Caroline Pistole - State Farm Insurance Agent4115 Mallory Ln #100, Franklin, TN 37067, USA | 4.9★ | 305 |
| #3 | Boxwood Insurance Group3020 Stansberry Ln Suite 202, Franklin, TN 37069, USA | 5.0★ | 181 |
| #4 | Benton White Insurance231 Public Square Suite 300, Franklin, TN 37064, USA | 5.0★ | 161 |
| #5 | Johnston & Associates Insurance321 Billingsly Ct STE 18, Franklin, TN 37067, USA | 5.0★ | 120 |
| #6 | Southern Insurance Group3401 Mallory Ln, Franklin, TN 37067, USA | 4.6★ | 61 |
| #7 | Irvin-Dyal & Brown Insurance3326 Aspen Grove Dr # 100, Franklin, TN 37067, USA | 4.9★ | 32 |
| #8 | Randy Jones & Associates Insurance Agency222 4th Ave N, Franklin, TN 37064, USA | 4.6★ | 36 |
| #9 | McKinney-Green Insurance, LLC301 Public Square, Franklin, TN 37064, USA | 4.7★ | 14 |
| #10 | Farm Bureau Insurance9100A Carothers Pkwy #107, Franklin, TN 37067, USA | 4.9★ | 186 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Insurance Agents in Franklin
Trusted by hundreds of local clients, this Franklin agent holds a flawless 5.0-star rating.
231 Public Square Suite 300, Franklin, TN 37064, USA
Franklin's top-rated insurance agent with a perfect 5.0★ from over 120 reviews.
321 Billingsly Ct STE 18, Franklin, TN 37067, USA
A trusted Franklin insurance agent with a 4.6-star rating from 61 Google reviews.
3401 Mallory Ln, Franklin, TN 37067, USA
Consistently earns exceptional 4.9-star ratings from dozens of Google reviews.
3326 Aspen Grove Dr # 100, Franklin, TN 37067, USA
4.6 stars from 36 reviews, reflecting strong local client satisfaction.
222 4th Ave N, Franklin, TN 37064, USA
Rated 4.7 stars from 14 Google reviews, this Franklin insurance agent is highly regarded.
301 Public Square, Franklin, TN 37064, USA
Hundreds of Google reviews give this Franklin insurance agent an exceptional 4.9-star rating.
9100A Carothers Pkwy #107, Franklin, TN 37067, USA
Franklin insurance agent with a 4.8-star rating from 178 Google reviews.
Westhaven Town Center, 102 Front St, Franklin, TN 37064, USA
Franklin's top-rated insurance agent with a perfect 5.0★ score from over 120 reviews.
4151 Old Hillsboro Rd, Franklin, TN 37064, USA
Franklin's top-rated insurance agent with a perfect 5.0★ from over 100 reviews.
130 Seaboard Ln STE A5, Franklin, TN 37067, USA
Franklin's top-rated insurance agent with a perfect 5.0★ score from 33 reviews.
9045 Carothers Pkwy Ste 301, Franklin, TN 37067, USA
A solid 4.4-star rating from 21 Google reviews highlights consistent client satisfaction.
1896 General George Patton Dr #500, Franklin, TN 37067, USA
Franklin insurance agent with a 4.7-star rating from 169 Google reviews.
400 Sugartree Ln STE 620, Franklin, TN 37064, USA
Franklin's top-rated insurance agent with a 4.9★ average from 124 Google reviews.
2550 Meridian Blvd 200 # 7598, Franklin, TN 37067, USA
4.8 stars from 87 reviews in Franklin, TN.
256 Seaboard Ln STE H102, Franklin, TN 37067, USA
Trusted Franklin insurance agent with a strong 4.6★ rating from 19 reviews.
1850 General George Patton Dr Suite B206, Franklin, TN 37067, USA
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Insurance Agents in Franklin, TN — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Matt Cole - State Farm Insurance Agent | 87/100 | 4.9 ★ | 745 |
| 2 | Caroline Pistole - State Farm Insurance Agent | 87/100 | 4.9 ★ | 305 |
| 3 | Boxwood Insurance Group | 87/100 | 5.0 ★ | 181 |
| 4 | Benton White Insurance | 86/100 | 5.0 ★ | 161 |
| 5 | Johnston & Associates Insurance | 84/100 | 5.0 ★ | 120 |
| 6 | Southern Insurance Group | 74/100 | 4.6 ★ | 61 |
| 7 | Irvin-Dyal & Brown Insurance | 76/100 | 4.9 ★ | 32 |
| 8 | Randy Jones & Associates Insurance Agency | 71/100 | 4.6 ★ | 36 |
| 9 | McKinney-Green Insurance, LLC | 68/100 | 4.7 ★ | 14 |
| 10 | Farm Bureau Insurance | 85/100 | 4.9 ★ | 186 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · June 2026
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Frequently Asked Questions — Insurance Agents in Franklin
What is the difference between a captive and independent insurance agent in Franklin?
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 TN?
Search the TN Department of Insurance's online license lookup — Google "TN 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 TN must be licensed with the state.
How much does working with a local insurance agent in Franklin 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 Franklin?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Franklin 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 10, 2026.
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