Top Picks · Herndon
Best Insurance Agents in Herndon, VA
Rated and reviewed by real customers. Compare prices, read reviews, and call the top pros near you — for free.
As of June 2026, RatingsNearMe ranks 10 insurance agents in Herndon, VA by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Guardian Insurance with a 4.9-star rating from 542 Google reviews and an RNM Score of 87/100. Also in the top tier: Frank D. Spicer Insurance Agency and Ali Tavakoli - State Farm Insurance Agent. The average rating across all listed insurance agents in Herndon is 4.7 stars from 86 reviews per business on average.
Insurance in Herndon: 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.
Herndon, VA is home to a variety of insurance agents offering personal and commercial coverage. Consumers can find agents representing major insurance providers like Allstate, State Farm, and AAA to assist with auto, home, life, and business policies.
- ✓Herndon has insurance agents representing national brands as well as local independent agencies
- ✓Agents can help consumers compare coverage options and find the right policy for their needs and budget
- ✓Many insurance agents in Herndon also offer additional services like membership programs and financial planning
How to Choose a Insurance Agent in Herndon
What to look for
- • Experienced and knowledgeable about insurance products and the local Herndon, VA market
- • Responsive and communicative throughout the process
- • Able to provide references from satisfied clients in Herndon
- • Offers a range of insurance options to fit your needs
Questions to ask
- • How long have you been an insurance agent serving the Herndon, VA area?
- • What types of insurance policies do you specialize in?
- • Can you provide me with a few references from your Herndon clients?
- • How will you work with me to determine the right coverage and policy options?
Red flags
- ⚠ Unwilling to provide details about their experience or licensing
- ⚠ Pushes you to buy more coverage than you need
- ⚠ Lacks knowledge about insurance regulations and requirements in Virginia
In Virginia, insurance agents must be licensed by the State Corporation Commission. Be sure to verify an agent's license and standing before working with them.
Local Market Snapshot
10
Businesses listed
4.7★
Avg rating
86
Avg reviews
Jun 10, 2026
Last updated
Top Rated Insurance Agents
Herndon insurance agent with a 4.9-star rating from over 540 reviews.
207 E Holly Ave Suite 103, Sterling, VA 20164, USA4.9 stars from 124 reviews—exceptional local insurance agent in Herndon.
11781 Lee Jackson Mem Hwy Suite 620, Fairfax, VA 22033, USATop-rated Herndon insurance agent with a flawless 5.0-star rating from 47 reviews.
297 Herndon Pkwy Ste 202, Herndon, VA 20170, USAInsurance Agents Rankings in Herndon, VA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Guardian Insurance207 E Holly Ave Suite 103, Sterling, VA 20164, USA | 4.9★ | 542 |
| #2 | Frank D. Spicer Insurance Agency11781 Lee Jackson Mem Hwy Suite 620, Fairfax, VA 22033, USA | 4.9★ | 124 |
| #3 | Ali Tavakoli - State Farm Insurance Agent297 Herndon Pkwy Ste 202, Herndon, VA 20170, USA | 5.0★ | 47 |
| #4 | Wally Lim Arcayan: Allstate Insurancesuite 10, 459 Herndon Pkwy, Herndon, VA 20170, USA | 4.9★ | 33 |
| #5 | Spiro Souliotis: Allstate Insurance1020 Elden St Ste 201, Herndon, VA 20170, USA | 4.3★ | 82 |
| #6 | Best Insurance Herndon510 Spring St, Herndon, VA 20170, USA | 5.0★ | 7 |
| #7 | Farmers Insurance - William Frix437 Carlisle Dr, Herndon, VA 20170, USA | 5.0★ | 2 |
| #8 | Farmers Insurance - Ricardo Barriga299 Herndon Pkwy STE 308, Herndon, VA 20170, USA | 5.0★ | 1 |
| #9 | Satisfied Insurance Agency Herndon2355 Dulles Corner Blvd, Herndon, VA 20171, USA | 5.0★ | 1 |
| #10 | AAA Herndon- Insurance/Membership Only690 Pine St, Herndon, VA 20170, USA | 3.3★ | 25 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Insurance Agents in Herndon
Herndon insurance agent with a 4.9-star rating from 33 Google reviews.
suite 10, 459 Herndon Pkwy, Herndon, VA 20170, USA
Trusted by locals with a 4.3-star average from 82 reviews.
1020 Elden St Ste 201, Herndon, VA 20170, USA
Exceptional 5.0-star rating based on 7 Google reviews for local insurance needs.
510 Spring St, Herndon, VA 20170, USA
Exceptional 5.0-star rating from a small number of Google reviews in Herndon.
437 Carlisle Dr, Herndon, VA 20170, USA
5.0-star rating from Google reviews reflects exceptional local service.
299 Herndon Pkwy STE 308, Herndon, VA 20170, USA
Earns a perfect 5.0-star rating from its first Google reviews in Herndon.
2355 Dulles Corner Blvd, Herndon, VA 20171, USA
Mixed 3.3-star rating from 25 Google reviews, reflecting varied client satisfaction.
690 Pine St, Herndon, VA 20170, USA
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Insurance Agents in Herndon, VA — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Guardian Insurance | 87/100 | 4.9 ★ | 542 |
| 2 | Frank D. Spicer Insurance Agency | 83/100 | 4.9 ★ | 124 |
| 3 | Ali Tavakoli - State Farm Insurance Agent | 79/100 | 5.0 ★ | 47 |
| 4 | Wally Lim Arcayan: Allstate Insurance | 76/100 | 4.9 ★ | 33 |
| 5 | Spiro Souliotis: Allstate Insurance | 70/100 | 4.3 ★ | 82 |
| 6 | Best Insurance Herndon | 70/100 | 5.0 ★ | 7 |
| 7 | Farmers Insurance - William Frix | 64/100 | 5.0 ★ | 2 |
| 8 | Farmers Insurance - Ricardo Barriga | 62/100 | 5.0 ★ | 1 |
| 9 | Satisfied Insurance Agency Herndon | 62/100 | 5.0 ★ | 1 |
| 10 | AAA Herndon- Insurance/Membership Only | 47/100 | 3.3 ★ | 25 |
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 Herndon
What is the difference between a captive and independent insurance agent in Herndon?
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 Herndon 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 Herndon?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Herndon 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 10, 2026.
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