Highest Rated · Fredericksburg
Top-Rated Insurance Agents in Fredericksburg, VA
Every business ranked by real customer ratings. The pros at the top earned it — through consistent service, not advertising spend.
As of July 2026, RatingsNearMe ranks 20 insurance agents in Fredericksburg, VA by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Anne Reeves - State Farm Insurance Agent with a 5.0-star rating from 493 Google reviews and an RNM Score of 88/100. 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 July 4, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
Adam Forsberg at Comparion Insurance Agency
Adam Forsberg is top-ranked for combining strong customer satisfaction with a broad range of insurance options through a reputable national agency.
Most Reviewed
G.L. Herndon Insurance Agency
A high number of reviews indicates a large customer base and consistent service experience, which can help you gauge reliability.
When choosing an agent in Fredericksburg, compare quotes from at least two of these top-ranked agencies and check recent reviews to ensure the agent is responsive to claims and policy questions.
Local Market Snapshot
20
Businesses listed
4.8★
Avg rating
115
Avg reviews
Jul 4, 2026
Last updated
Top Rated Insurance Agents
5.0★ from nearly 500 reviews, Fredericksburg’s most trusted insurance agent.
411 Chatham Heights Rd #109, Fredericksburg, VA 22405, USA4.8 stars from 541 Google reviews, reflecting exceptional customer satisfaction.
420 Hudgins Rd Ste 214, Fredericksburg, VA 22408, USATrusted by hundreds of local clients, this Fredericksburg agent holds a stellar 4.8-star rating.
2609 Lafayette Blvd, Fredericksburg, VA 22408, USAInsurance 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 | MARK SULLIVAN INSURANCE10500 Wakeman Dr #210, Fredericksburg, VA 22407, USA | 4.8★ | 47 |
| #5 | Jeremy Wilson: Allstate Insurance701 Kenmore Ave Ste 103, Fredericksburg, VA 22401, USA | 4.6★ | 131 |
| #6 | Adam Forsberg at Comparion Insurance Agency1340 Central Park Blvd Ste 204, Fredericksburg, VA 22401, USA | 5.0★ | 119 |
| #7 | Insurance Doctor10052 Southpoint Pkwy, Fredericksburg, VA 22407, USA | 4.5★ | 90 |
| #8 | Gengler Insurance Agency11148 Patriot Hwy, Fredericksburg, VA 22408, USA | 4.9★ | 39 |
| #9 | Comparion Insurance Agency1340 Central Park Blvd Ste 204, Fredericksburg, VA 22401, USA | 4.6★ | 34 |
| #10 | Bearing Insurance1671 Emancipation Hwy Suite 205, Fredericksburg, VA 22401, USA | 4.8★ | 20 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Insurance Agents in Fredericksburg
Consistently rated 4.8 stars across nearly 50 glowing customer reviews.
10500 Wakeman Dr #210, Fredericksburg, VA 22407, USA
Trusted by hundreds with a 4.6-star rating in Fredericksburg.
701 Kenmore Ave Ste 103, Fredericksburg, VA 22401, USA
Top-rated Fredericksburg insurance agent with a perfect 5.0★ from over 100 reviews.
1340 Central Park Blvd Ste 204, Fredericksburg, VA 22401, USA
A trusted local insurance agent with a 4.5-star rating from nearly 90 reviews.
10052 Southpoint Pkwy, Fredericksburg, VA 22407, USA
Rated 4.9 stars from 39 reviews, this Fredericksburg insurance agent is highly trusted.
11148 Patriot Hwy, Fredericksburg, VA 22408, USA
Trusted by local clients with a 4.6-star rating from 34 reviews.
1340 Central Park Blvd Ste 204, Fredericksburg, VA 22401, USA
A trusted local insurance agent with a 4.8-star rating from over 20 Google reviews.
1671 Emancipation Hwy Suite 205, Fredericksburg, VA 22401, USA
5.0 stars from 12 Google reviews, reflecting exceptional client satisfaction.
2217 Princess Anne St, Fredericksburg, VA 22401, USA
Trusted local insurance agent with a perfect 5.0-star rating from customers.
2217 Princess Anne St b11, Fredericksburg, VA 22401, USA
4.5 stars from 32 reviews, reflecting strong local trust in Fredericksburg.
12022 Old Salem Church Rd, Fredericksburg, VA 22407, USA
Rated 5.0 stars from over 150 Google reviews in Fredericksburg.
419 Chatham Square Office Park, Fredericksburg, VA 22405, USA
Top-rated Fredericksburg insurance agent with a perfect 5.0-star rating from 72 reviews.
1340 Central Park Blvd Ste 204, Fredericksburg, VA 22401, USA
Trusted by locals with a 4.9-star rating from 69 reviews.
8 Potomac Creek Dr, Fredericksburg, VA 22405, USA
4.9 stars from 44 reviews, reflecting exceptional client satisfaction in Fredericksburg.
541 William St, Fredericksburg, VA 22401, USA
4.7 stars from 15 reviews, proudly serving Fredericksburg clients.
1209A Lafayette Blvd, Fredericksburg, VA 22401, USA
Rated 4.8 stars from 60 Google reviews, this Fredericksburg agent is highly trusted.
1810 Stafford Ave, Fredericksburg, VA 22401, USA
Trusted by locals with a 4.7-star rating from 49 Google reviews.
1320 Central Park Blvd #407, Fredericksburg, VA 22401, USA
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Insurance Agents in Fredericksburg, VA — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Anne Reeves - State Farm Insurance Agent | 88/100 | 5.0 ★ | 493 |
| 2 | Insurance Piggy Bank | 85/100 | 4.8 ★ | 541 |
| 3 | Central Park Insurance | 85/100 | 4.8 ★ | 283 |
| 4 | MARK SULLIVAN INSURANCE | 76/100 | 4.8 ★ | 47 |
| 5 | Jeremy Wilson: Allstate Insurance | 78/100 | 4.6 ★ | 131 |
| 6 | Adam Forsberg at Comparion Insurance Agency | 84/100 | 5.0 ★ | 119 |
| 7 | Insurance Doctor | 74/100 | 4.5 ★ | 90 |
| 8 | Gengler Insurance Agency | 77/100 | 4.9 ★ | 39 |
| 9 | Comparion Insurance Agency | 71/100 | 4.6 ★ | 34 |
| 10 | Bearing Insurance | 71/100 | 4.8 ★ | 20 |
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 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: July 4, 2026.
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