Local Pros · Herndon
Local Insurance Agents in Herndon, VA
Locally owned and operated insurance agents serving Herndon and the surrounding area. Supporting local businesses means faster response and accountability.
As of June 2026, RatingsNearMe ranks 10 insurance agents in Herndon, VA by verified customer ratings and review volume. The highest-rated is Guardian Insurance with a 4.9-star rating from 542 verified reviews. 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 1, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
10
Businesses listed
4.7★
Avg rating
86
Avg reviews
Jun 1, 2026
Last updated
Top Rated Insurance Agents
Guardian Insurance
207 E Holly Ave Suite 103, Sterling, VA 20164, USA
Frank D. Spicer Insurance Agency
11781 Lee Jackson Mem Hwy Suite 620, Fairfax, VA 22033, USA
Ali Tavakoli - State Farm Insurance Agent
297 Herndon Pkwy Ste 202, Herndon, VA 20170, USA
Insurance 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 | Best Insurance Herndon510 Spring St, Herndon, VA 20170, USA | 5.0★ | 7 |
| #5 | Spiro Souliotis: Allstate Insurance1020 Elden St Ste 201, Herndon, VA 20170, USA | 4.3★ | 82 |
| #6 | Satisfied Insurance Agency Herndon2355 Dulles Corner Blvd, Herndon, VA 20171, USA | 5.0★ | 1 |
| #7 | Farmers Insurance - Ricardo Barriga299 Herndon Pkwy STE 308, Herndon, VA 20170, USA | 5.0★ | 1 |
| #8 | Farmers Insurance - William Frix437 Carlisle Dr, Herndon, VA 20170, USA | 5.0★ | 2 |
| #9 | AAA Herndon- Insurance/Membership Only690 Pine St, Herndon, VA 20170, USA | 3.3★ | 25 |
| #10 | Wally Lim Arcayan: Allstate Insurancesuite 10, 459 Herndon Pkwy, Herndon, VA 20170, USA | 4.9★ | 33 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Insurance Agents in Herndon
Best Insurance Herndon
510 Spring St, Herndon, VA 20170, USA
Spiro Souliotis: Allstate Insurance
1020 Elden St Ste 201, Herndon, VA 20170, USA
Satisfied Insurance Agency Herndon
2355 Dulles Corner Blvd, Herndon, VA 20171, USA
Farmers Insurance - Ricardo Barriga
299 Herndon Pkwy STE 308, Herndon, VA 20170, USA
Farmers Insurance - William Frix
437 Carlisle Dr, Herndon, VA 20170, USA
AAA Herndon- Insurance/Membership Only
690 Pine St, Herndon, VA 20170, USA
Wally Lim Arcayan: Allstate Insurance
suite 10, 459 Herndon Pkwy, Herndon, VA 20170, USA
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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 1, 2026.
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