10+ Years · Galveston
Experienced Insurance Agents in Galveston, TX
Experience matters. These insurance agents in Galveston have years of proven work behind them — and the reviews to back it up.
As of July 2026, RatingsNearMe ranks 19 insurance agents in Galveston, TX by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Helix Insurance Group with a 4.9-star rating from 652 Google reviews and an RNM Score of 87/100. Also in the top tier: Freeway Insurance and Ai United Insurance. The average rating across all listed insurance agents in Galveston is 4.4 stars from 88 reviews per business on average.
Insurance in Galveston: 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
Heffernan Insurance Inc
Heffernan Insurance Inc is consistently top-ranked for its comprehensive coverage options and strong local reputation in Galveston.
Most Reviewed
Heffernan Insurance Inc
A high review count indicates broad customer experience and trust, helping consumers gauge reliability.
When choosing an insurance agent in Galveston, compare quotes from multiple agencies and consider local expertise for coastal coverage needs like flood and windstorm insurance.
Local Market Snapshot
19
Businesses listed
4.4★
Avg rating
88
Avg reviews
Jul 4, 2026
Last updated
Top Rated Insurance Agents
4.9-star average from over 650 Google reviews for a Galveston insurance agent.
101 Tiki Dr #202, Galveston, TX 77554, USA4.9 stars from over 300 happy Google reviews for Galveston insurance.
3402 Broadway Avenue J, Galveston, TX 77550, USATrusted by hundreds of locals, this Galveston agent holds a strong 4.7-star rating.
3626 Broadway Avenue J, Galveston, TX 77550, USAInsurance Agents Rankings in Galveston, TX
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Helix Insurance Group101 Tiki Dr #202, Galveston, TX 77554, USA | 4.9★ | 652 |
| #2 | Freeway Insurance3402 Broadway Avenue J, Galveston, TX 77550, USA | 4.9★ | 307 |
| #3 | Ai United Insurance3626 Broadway Avenue J, Galveston, TX 77550, USA | 4.7★ | 163 |
| #4 | SMI Insurance1802 Broadway Avenue J # 118, Galveston, TX 77550, USA | 4.4★ | 16 |
| #5 | Rochkind Insurance514 23rd St, Galveston, TX 77550, USA | 4.9★ | 58 |
| #6 | GIA Insurance6025 Heards Ln, Galveston, TX 77551, USA | 4.1★ | 46 |
| #7 | Insurance Junction3320 Broadway Avenue J, Galveston, TX 77550, USA | 3.8★ | 23 |
| #8 | The O'Donohoe Agency5928 Stewart Rd, Galveston, TX 77551, USA | 4.7★ | 140 |
| #9 | Farmers Insurance - Luke Bohlman2228 Mechanic St #100, Galveston, TX 77550, USA | 4.8★ | 86 |
| #10 | NavSav Insurance6202 Stewart Rd, Galveston, TX 77551, USA | 4.1★ | 21 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Insurance Agents in Galveston
4.4 stars from 16 reviews, reflecting solid local service.
1802 Broadway Avenue J # 118, Galveston, TX 77550, USA
Galveston insurance agent with a 4.9-star rating from 58 Google reviews.
514 23rd St, Galveston, TX 77550, USA
Trusted by locals with a solid 4.1★ rating from 46 reviews.
6025 Heards Ln, Galveston, TX 77551, USA
Rated 3.8 stars from 23 reviews, this Galveston insurance agent offers mixed feedback.
3320 Broadway Avenue J, Galveston, TX 77550, USA
Trusted by hundreds of local customers with a strong 4.7-star rating.
5928 Stewart Rd, Galveston, TX 77551, USA
Rated 4.8 stars from 86 Google reviews, this Galveston insurance agent is highly trusted.
2228 Mechanic St #100, Galveston, TX 77550, USA
4.1 stars from 21 reviews, known for steady local service.
6202 Stewart Rd, Galveston, TX 77551, USA
Exceptional 5.0-star rating from 7 Google reviews for local insurance guidance.
6615 Stewart Rd, Galveston, TX 77551, USA
Mixed 2.6-star rating from 5 Google reviews for this Galveston insurance agent.
3020 Palmer Hwy, Texas City, TX 77590, USA
Exceptional 5.0-star rating based on five Google reviews.
621 University Blvd, Galveston, TX 77550, USA
Exceptional 5.0-star rating from a handful of Google reviews.
13450 FM3005, Galveston, TX 77554, USA
No reviews yet; consider checking back for customer feedback on this Galveston insurance agent.
6339 Stewart Rd, Galveston, TX 77551, USA
Trusted by locals with a solid 4.4★ rating from dozens of reviews.
2001 45th St, Galveston, TX 77550, USA
6 Google reviews average 3.0 stars for this Galveston insurance agent.
6511 Stewart Rd #9b, Galveston, TX 77551, USA
Exceptional 5.0-star rating from 28 Google reviews for this Galveston insurance agent.
3825 Broadway Avenue J, Galveston, TX 77550, USA
Trusted local agency with a 4.8-star rating from 6 Google reviews.
1703 23rd St, Galveston, TX 77550, USA
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Insurance Agents in Galveston, TX — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Helix Insurance Group | 87/100 | 4.9 ★ | 652 |
| 2 | Freeway Insurance | 87/100 | 4.9 ★ | 307 |
| 3 | Ai United Insurance | 81/100 | 4.7 ★ | 163 |
| 4 | SMI Insurance | 64/100 | 4.4 ★ | 16 |
| 5 | Rochkind Insurance | 79/100 | 4.9 ★ | 58 |
| 6 | GIA Insurance | 64/100 | 4.1 ★ | 46 |
| 7 | Insurance Junction | 55/100 | 3.8 ★ | 23 |
| 8 | The O'Donohoe Agency | 80/100 | 4.7 ★ | 140 |
| 9 | Farmers Insurance - Luke Bohlman | 79/100 | 4.8 ★ | 86 |
| 10 | NavSav Insurance | 60/100 | 4.1 ★ | 21 |
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 Galveston
What is the difference between a captive and independent insurance agent in Galveston?
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 TX?
Search the TX Department of Insurance's online license lookup — Google "TX 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 TX must be licensed with the state.
How much does working with a local insurance agent in Galveston 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 Galveston?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Galveston 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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