Low Cost · Highlands Ranch
Cheap Insurance Agents in Highlands Ranch, CO — Best Prices
Compare insurance agents prices in Highlands Ranch to find the best deal. All businesses are reviewed — cheap doesn't mean low quality.
As of June 2026, RatingsNearMe ranks 17 insurance agents in Highlands Ranch, CO by verified customer ratings and review volume. The highest-rated is Sean Morton - State Farm Insurance Agent with a 4.9-star rating from 371 verified reviews. Also in the top tier: Jodi Stoker - State Farm Insurance Agent and MountainStorm Insurance Agency. The average rating across all listed insurance agents in Highlands Ranch is 4.7 stars from 73 reviews per business on average.
Insurance in Highlands Ranch: 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
17
Businesses listed
4.7★
Avg rating
73
Avg reviews
Jun 1, 2026
Last updated
Top Rated Insurance Agents
Sean Morton - State Farm Insurance Agent
8871 Ridgeline Blvd #250, Highlands Ranch, CO 80129, USA
Jodi Stoker - State Farm Insurance Agent
8796 S Colorado Blvd B, Highlands Ranch, CO 80126, USA
MountainStorm Insurance Agency
1745 Shea Center Dr #400, Highlands Ranch, CO 80129, USA
Insurance Agents Rankings in Highlands Ranch, CO
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Sean Morton - State Farm Insurance Agent8871 Ridgeline Blvd #250, Highlands Ranch, CO 80129, USA | 4.9★ | 371 |
| #2 | Jodi Stoker - State Farm Insurance Agent8796 S Colorado Blvd B, Highlands Ranch, CO 80126, USA | 5.0★ | 158 |
| #3 | MountainStorm Insurance Agency1745 Shea Center Dr #400, Highlands Ranch, CO 80129, USA | 4.8★ | 100 |
| #4 | Custom Insurance Solutions1745 Shea Center Dr 4th Floor, Highlands Ranch, CO 80129, USA | 5.0★ | 61 |
| #5 | Randy E Johnson Ins Agcy Inc8925 Ridgeline Blvd STE 101, Highlands Ranch, CO 80129, USA | 4.5★ | 32 |
| #6 | Farmers Insurance - Julia Bryant549 W Highlands Ranch Pkwy #106, Highlands Ranch, CO 80129, USA | 4.7★ | 59 |
| #7 | TPG Insurance1745 Shea Center Dr, Highlands Ranch, CO 80129, USA | 5.0★ | 36 |
| #8 | BlueCross BlueShield Authorized Agent10832 Mountshire Cir, Littleton, CO 80126, USA | 1.0★ | 1 |
| #9 | Scott Gallagher American Family Insurance66 Springer Dr # 309, Highlands Ranch, CO 80129, USA | 5.0★ | 4 |
| #10 | Benchmark Insurance Agency, LLC66 Springer Dr # 215, Highlands Ranch, CO 80129, USA | 5.0★ | 2 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Insurance Agents in Highlands Ranch
Custom Insurance Solutions
1745 Shea Center Dr 4th Floor, Highlands Ranch, CO 80129, USA
Randy E Johnson Ins Agcy Inc
8925 Ridgeline Blvd STE 101, Highlands Ranch, CO 80129, USA
Farmers Insurance - Julia Bryant
549 W Highlands Ranch Pkwy #106, Highlands Ranch, CO 80129, USA
TPG Insurance
1745 Shea Center Dr, Highlands Ranch, CO 80129, USA
BlueCross BlueShield Authorized Agent
10832 Mountshire Cir, Littleton, CO 80126, USA
Scott Gallagher American Family Insurance
66 Springer Dr # 309, Highlands Ranch, CO 80129, USA
Benchmark Insurance Agency, LLC
66 Springer Dr # 215, Highlands Ranch, CO 80129, USA
Insurance Service CO
9557 S University Blvd, Highlands Ranch, CO 80126, USA
Farmers Insurance - Jonathan Dodd
66 Springer Dr STE 102, Highlands Ranch, CO 80129, USA
Mike Brainard: Allstate Insurance
1745 Shea Center Dr ste 400, Highlands Ranch, CO 80129, USA
Niederman Insurance Agency
1745 Shea Center Dr #400, Littleton, CO 80129, USA
Scott Cohen Agency, Inc.
1745 Shea Center Dr ste 400, Highlands Ranch, CO 80129, USA
Trust Bridge Insurance Agency
537 W Highlands Ranch Pkwy, Highlands Ranch, CO 80129, USA
Danny Barrera - State Farm Insurance Agent
6660 Timberline Rd Ste 150, Highlands Ranch, CO 80130, USA
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Frequently Asked Questions — Insurance Agents in Highlands Ranch
What is the difference between a captive and independent insurance agent in Highlands Ranch?
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 CO?
Search the CO Department of Insurance's online license lookup — Google "CO 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 CO must be licensed with the state.
How much does working with a local insurance agent in Highlands Ranch 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 Highlands Ranch?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Highlands Ranch 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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