Best Value · Fredericksburg
Affordable Insurance Agents in Fredericksburg, VA
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As of May 2026, RatingsNearMe ranks 20 insurance agents in Fredericksburg, VA by verified customer ratings and review volume. The highest-rated is Anne Reeves - State Farm Insurance Agent with a 5.0-star rating from 493 verified reviews. Also in the top tier: Insurance Piggy Bank and Central Park Insurance. The average rating across all listed insurance agents in Fredericksburg is 4.8 stars from 115 reviews per business on average.
Insurance in Fredericksburg: 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
4.8★
Avg rating
115
Avg reviews
May 17, 2026
Last updated
Top Rated Insurance Agents
Anne Reeves - State Farm Insurance Agent
411 Chatham Heights Rd #109, Fredericksburg, VA 22405, USA
Insurance Piggy Bank
420 Hudgins Rd Ste 214, Fredericksburg, VA 22408, USA
Central Park Insurance
2609 Lafayette Blvd, Fredericksburg, VA 22408, USA
Insurance Agents Rankings in Fredericksburg, VA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Anne Reeves - State Farm Insurance Agent411 Chatham Heights Rd #109, Fredericksburg, VA 22405, USA | 5.0★ | 493 |
| #2 | Insurance Piggy Bank420 Hudgins Rd Ste 214, Fredericksburg, VA 22408, USA | 4.8★ | 541 |
| #3 | Central Park Insurance2609 Lafayette Blvd, Fredericksburg, VA 22408, USA | 4.8★ | 283 |
| #4 | The Insurance Smith Agency541 William St, Fredericksburg, VA 22401, USA | 4.9★ | 44 |
| #5 | The Insurance Marshall1810 Stafford Ave, Fredericksburg, VA 22401, USA | 4.8★ | 60 |
| #6 | Farmers Insurance: Steele Insurance Agency419 Chatham Square Office Park, Fredericksburg, VA 22405, USA | 5.0★ | 158 |
| #7 | Beck Insurance Agency Inc.1209A Lafayette Blvd, Fredericksburg, VA 22401, USA | 4.7★ | 15 |
| #8 | Lewis Insurance Associates8 Potomac Creek Dr, Fredericksburg, VA 22405, USA | 4.9★ | 69 |
| #9 | Anthony Bowie at Comparion Insurance Agency1340 Central Park Blvd Ste 204, Fredericksburg, VA 22401, USA | 5.0★ | 72 |
| #10 | Pete Webb Agency | HUB International1320 Central Park Blvd #407, Fredericksburg, VA 22401, USA | 4.7★ | 49 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Insurance Agents in Fredericksburg
The Insurance Smith Agency
541 William St, Fredericksburg, VA 22401, USA
The Insurance Marshall
1810 Stafford Ave, Fredericksburg, VA 22401, USA
Farmers Insurance: Steele Insurance Agency
419 Chatham Square Office Park, Fredericksburg, VA 22405, USA
Beck Insurance Agency Inc.
1209A Lafayette Blvd, Fredericksburg, VA 22401, USA
Lewis Insurance Associates
8 Potomac Creek Dr, Fredericksburg, VA 22405, USA
Anthony Bowie at Comparion Insurance Agency
1340 Central Park Blvd Ste 204, Fredericksburg, VA 22401, USA
Pete Webb Agency | HUB International
1320 Central Park Blvd #407, Fredericksburg, VA 22401, USA
Adam Forsberg at Comparion Insurance Agency
1340 Central Park Blvd Ste 204, Fredericksburg, VA 22401, USA
MARK SULLIVAN INSURANCE
10500 Wakeman Dr #210, Fredericksburg, VA 22407, USA
Gengler Insurance Agency
11148 Patriot Hwy, Fredericksburg, VA 22408, USA
Insurance Doctor
10052 Southpoint Pkwy, Fredericksburg, VA 22407, USA
Bearing Insurance
1671 Emancipation Hwy Suite 205, Fredericksburg, VA 22401, USA
Jeremy Wilson: Allstate Insurance
701 Kenmore Ave Ste 103, Fredericksburg, VA 22401, USA
Comparion Insurance Agency
1340 Central Park Blvd Ste 204, Fredericksburg, VA 22401, USA
G.L. Herndon Insurance Agency
12022 Old Salem Church Rd, Fredericksburg, VA 22407, USA
Stover Insurance
2217 Princess Anne St, Fredericksburg, VA 22401, USA
Pricer Insurance Agency
2217 Princess Anne St b11, Fredericksburg, VA 22401, USA
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Frequently Asked Questions — Insurance Agents in Fredericksburg
What is the difference between a captive and independent insurance agent in Fredericksburg?
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 VA?
Search the VA Department of Insurance's online license lookup — Google "VA 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 VA must be licensed with the state.
How much does working with a local insurance agent in Fredericksburg 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 Fredericksburg?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Fredericksburg 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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