Best Value · Fremont
Affordable Insurance Agents in Fremont, CA
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As of June 2026, RatingsNearMe ranks 20 insurance agents in Fremont, CA by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Farmers Insurance - Virginia Tam with a 4.9-star rating from 386 Google reviews and an RNM Score of 87/100. Also in the top tier: Freeway Insurance and Kelvin Thomas - State Farm Insurance Agent. The average rating across all listed insurance agents in Fremont is 4.8 stars from 75 reviews per business on average.
Insurance in Fremont: 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
Freeway Insurance
Freeway Insurance is top-ranked for its broad range of coverage options and strong local reputation in Fremont.
Most Reviewed
Freeway Insurance
A high review count indicates a large customer base and consistent service experience, helping you gauge reliability.
When choosing an insurance agent in Fremont, compare quotes from multiple agencies and read recent reviews to ensure the agent specializes in the coverage you need, such as auto, home, or life insurance.
Local Market Snapshot
20
Businesses listed
4.8★
Avg rating
75
Avg reviews
Jun 10, 2026
Last updated
Top Rated Insurance Agents
Trusted by hundreds of locals with a near-perfect 4.9-star rating.
833 Corporate Way, Fremont, CA 94539, USATop-rated Fremont insurance agent with 4.8 stars from over 400 Google reviews.
5211 Mowry Ave, Fremont, CA 94538, USA4.9-star rating from 158 reviews reflects exceptional client satisfaction in Fremont.
3100 Capitol Ave f, Fremont, CA 94538, USAInsurance Agents Rankings in Fremont, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Farmers Insurance - Virginia Tam833 Corporate Way, Fremont, CA 94539, USA | 4.9★ | 386 |
| #2 | Freeway Insurance5211 Mowry Ave, Fremont, CA 94538, USA | 4.8★ | 404 |
| #3 | Kelvin Thomas - State Farm Insurance Agent3100 Capitol Ave f, Fremont, CA 94538, USA | 4.9★ | 158 |
| #4 | Ivett Insurance Agency Inc37405 Joseph St, Fremont, CA 94536, USA | 4.5★ | 25 |
| #5 | Kevin Auto Insurance Agency Fremont CA2201 Walnut Ave suite 95, Fremont, CA 94538, USA | 5.0★ | 5 |
| #6 | Menssion Affordable Insurance Agency - Fremont CA39275 Mission Blvd #103, Fremont, CA 94539, USA | 4.8★ | 13 |
| #7 | Farmers Insurance - Stephanie Lua43052 Christy St, Fremont, CA 94538, USA | 4.9★ | 49 |
| #8 | Gleetopia Insurance38069 Martha Ave #500, Fremont, CA 94536, USA | 4.8★ | 48 |
| #9 | Christina Zeng - State Farm Insurance Agent34245 Fremont Blvd, Fremont, CA 94555, USA | 4.8★ | 81 |
| #10 | Chris Hur - State Farm Insurance Agent38750 Paseo Padre Pkwy # A3, Fremont, CA 94536, USA | 4.6★ | 37 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Insurance Agents in Fremont
A trusted local insurance agent with a 4.5-star rating from 25 reviews.
37405 Joseph St, Fremont, CA 94536, USA
5.0 stars from 5 reviews, reflecting exceptional local service in Fremont.
2201 Walnut Ave suite 95, Fremont, CA 94538, USA
Rated 4.8 stars from 13 reviews, known for exceptional local service.
39275 Mission Blvd #103, Fremont, CA 94539, USA
A trusted Fremont insurance agent with a 4.9-star rating from 49 reviews.
43052 Christy St, Fremont, CA 94538, USA
4.8 stars from 48 reviews make this Fremont insurance agent a trusted choice.
38069 Martha Ave #500, Fremont, CA 94536, USA
4.8 stars from 81 reviews, reflecting consistently excellent customer service in Fremont.
34245 Fremont Blvd, Fremont, CA 94555, USA
Consistently rated 4.6 stars from dozens of local Google reviews.
38750 Paseo Padre Pkwy # A3, Fremont, CA 94536, USA
Top-rated Fremont insurance agent with 4.9 stars from 34 glowing Google reviews.
46923 Warm Springs Blvd #208, Fremont, CA 94539, USA
5.0 stars from 30 Google reviews, reflecting exceptional local service.
39500 Stevenson Pl Ste 208, Fremont, CA 94539, USA
4.9-star rating from 19 reviews reflects exceptional local service.
38970 Blacow Rd unit d, Fremont, CA 94536, USA
Five-star rating from 6 Google reviews for this Fremont insurance agent.
47912 Warm Springs Blvd a, Fremont, CA 94539, USA
4.2 stars from 5 reviews, a solid local insurance option in Fremont.
39812 Mission Blvd #101, Fremont, CA 94539, USA
Fremont insurance agent with a 3.8-star rating based on 4 Google reviews.
200 Brown Rd, Fremont, CA 94539, USA
Fremont insurance agent with a perfect 5.0-star rating from limited reviews.
38950 Blacow Rd e, Fremont, CA 94536, USA
4.9-star rating from over 100 Google reviews highlights trusted local service.
Thornton Plaza, 3650 Thornton Ave, Fremont, CA 94536, USA
4.9-star rating from nearly 50 Google reviews proves consistent local customer satisfaction.
39500 Stevenson Pl Ste 208, Fremont, CA 94539, USA
4.6 stars from 28 reviews, reflecting strong local trust and customer satisfaction.
1550 Washington Blvd, Fremont, CA 94539, USA
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Insurance Agents in Fremont, CA — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Farmers Insurance - Virginia Tam | 87/100 | 4.9 ★ | 386 |
| 2 | Freeway Insurance | 85/100 | 4.8 ★ | 404 |
| 3 | Kelvin Thomas - State Farm Insurance Agent | 84/100 | 4.9 ★ | 158 |
| 4 | Ivett Insurance Agency Inc | 68/100 | 4.5 ★ | 25 |
| 5 | Kevin Auto Insurance Agency Fremont CA | 68/100 | 5.0 ★ | 5 |
| 6 | Menssion Affordable Insurance Agency - Fremont CA | 69/100 | 4.8 ★ | 13 |
| 7 | Farmers Insurance - Stephanie Lua | 78/100 | 4.9 ★ | 49 |
| 8 | Gleetopia Insurance | 76/100 | 4.8 ★ | 48 |
| 9 | Christina Zeng - State Farm Insurance Agent | 79/100 | 4.8 ★ | 81 |
| 10 | Chris Hur - State Farm Insurance Agent | 71/100 | 4.6 ★ | 37 |
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 Fremont
What is the difference between a captive and independent insurance agent in Fremont?
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 CA?
Search the CA Department of Insurance's online license lookup — Google "CA 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 CA must be licensed with the state.
How much does working with a local insurance agent in Fremont 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 Fremont?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Fremont 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.
Insurance Agents in Nearby Cities
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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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