Same Day · Fremont
Same-Day Insurance Agents in Fremont, CA
Can't wait a week? These insurance agents in Fremont offer same-day or next-day appointments. Call now to check availability.
As of June 2026, RatingsNearMe ranks 20 insurance agents in Fremont, CA by verified customer ratings and review volume. The highest-rated is Farmers Insurance - Virginia Tam with a 4.9-star rating from 386 verified reviews. 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 1, 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
75
Avg reviews
Jun 1, 2026
Last updated
Top Rated Insurance Agents
Farmers Insurance - Virginia Tam
833 Corporate Way, Fremont, CA 94539, USA
Freeway Insurance
5211 Mowry Ave, Fremont, CA 94538, USA
Kelvin Thomas - State Farm Insurance Agent
3100 Capitol Ave f, Fremont, CA 94538, USA
Insurance 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 | Menssion Affordable Insurance Agency - Fremont CA39275 Mission Blvd #103, Fremont, CA 94539, USA | 4.8★ | 13 |
| #5 | Gleetopia Insurance38069 Martha Ave #500, Fremont, CA 94536, USA | 4.8★ | 48 |
| #6 | Christina Zeng - State Farm Insurance Agent34245 Fremont Blvd, Fremont, CA 94555, USA | 4.8★ | 81 |
| #7 | Ivett Insurance Agency Inc37405 Joseph St, Fremont, CA 94536, USA | 4.5★ | 25 |
| #8 | Rich Castro - State Farm Insurance Agent39500 Stevenson Pl Ste 208, Fremont, CA 94539, USA | 4.9★ | 47 |
| #9 | TWFG Insurances Services39812 Mission Blvd #101, Fremont, CA 94539, USA | 4.2★ | 5 |
| #10 | Mei Mei Chua - Farmers Insurance38970 Blacow Rd unit d, Fremont, CA 94536, USA | 4.9★ | 19 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Insurance Agents in Fremont
Menssion Affordable Insurance Agency - Fremont CA
39275 Mission Blvd #103, Fremont, CA 94539, USA
Gleetopia Insurance
38069 Martha Ave #500, Fremont, CA 94536, USA
Christina Zeng - State Farm Insurance Agent
34245 Fremont Blvd, Fremont, CA 94555, USA
Ivett Insurance Agency Inc
37405 Joseph St, Fremont, CA 94536, USA
Rich Castro - State Farm Insurance Agent
39500 Stevenson Pl Ste 208, Fremont, CA 94539, USA
TWFG Insurances Services
39812 Mission Blvd #101, Fremont, CA 94539, USA
Mei Mei Chua - Farmers Insurance
38970 Blacow Rd unit d, Fremont, CA 94536, USA
Insurance Tax Realty
38950 Blacow Rd e, Fremont, CA 94536, USA
Chris Hur - State Farm Insurance Agent
38750 Paseo Padre Pkwy # A3, Fremont, CA 94536, USA
Tina Vu - State Farm Insurance Agent
46923 Warm Springs Blvd #208, Fremont, CA 94539, USA
Ninna Chugh - State Farm Insurance Agent
Thornton Plaza, 3650 Thornton Ave, Fremont, CA 94536, USA
Kevin Nuss - State Farm Insurance Agent
39500 Stevenson Pl Ste 208, Fremont, CA 94539, USA
Kevin Auto Insurance Agency Fremont CA
2201 Walnut Ave suite 95, Fremont, CA 94538, USA
Farmers Insurance - Lin Zhao
1550 Washington Blvd, Fremont, CA 94539, USA
Farmers Insurance - Stephanie Lua
43052 Christy St, Fremont, CA 94538, USA
Daven Loomba Farmers insurance agency
200 Brown Rd, Fremont, CA 94539, USA
Farmers Insurance - Lin Zhang
47912 Warm Springs Blvd a, Fremont, CA 94539, USA
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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.
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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 1, 2026.
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