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Insurance Agents in Kerrville, TX — Free Estimates
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As of June 2026, RatingsNearMe ranks 19 insurance agents in Kerrville, TX by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Fiesta Auto Insurance & Tax Service with a 4.8-star rating from 452 Google reviews and an RNM Score of 97/100. Also in the top tier: Joe Cook & Associates, Inc. and Amber Thomason - State Farm Insurance Agent. The average rating across all listed insurance agents in Kerrville is 4.6 stars from 64 reviews per business on average.
Insurance in Kerrville: 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.
Kerrville, TX is home to a variety of insurance agents offering coverage for auto, home, life, and business needs. Consumers can find local agents that provide personalized service and competitive rates to meet their insurance requirements.
- ✓Kerrville has a range of insurance agents serving the local community
- ✓Agents offer coverage for personal and commercial insurance needs
- ✓Consumers can find agents that provide personalized service and competitive rates
Best Overall
Farmers Insurance - Rolando Lopez
Rolando Lopez is consistently top-ranked in Kerrville for his personalized service and strong community reputation.
Most Reviewed
Justin Hamilton - State Farm Insurance Agent
A high review count indicates broad customer experience and trust, helping you gauge reliability and service consistency.
When choosing an insurance agent in Kerrville, compare quotes and ask about local claims support. Reading recent reviews can also reveal how responsive the agency is to customer needs.
How to Choose a Insurance Agent in Kerrville
What to look for
- • Local experience and knowledge of the Kerrville, TX insurance market
- • A wide range of insurance products and carriers to compare
- • Strong customer service and communication skills
- • Positive reviews and references from other Kerrville residents
Questions to ask
- • How long have you been an insurance agent in Kerrville?
- • What insurance carriers and products do you represent?
- • Can you provide references from your current Kerrville clients?
Red flags
- ⚠ Lack of local Kerrville experience or knowledge
- ⚠ Pushes you towards a single insurance carrier or product
- ⚠ Negative reviews or complaints from Kerrville customers
In Texas, insurance agents must be licensed by the Texas Department of Insurance. Be sure to verify the agent's license is active and in good standing.
Local Market Snapshot
19
Businesses listed
4.6★
Avg rating
64
Avg reviews
Jun 10, 2026
Last updated
Top Rated Insurance Agents
Trusted by hundreds of local clients, with a near-perfect 4.8-star rating.
326 Francisco Lemos St Ste 3, Kerrville, TX 78028, USA4.9-star rating from over 100 reviews reflects exceptional local service.
741 Water St #103, Kerrville, TX 78028, USATrusted by hundreds of local clients, with a 4.9-star average rating.
221 Thompson Dr, Kerrville, TX 78028, USAInsurance Agents Rankings in Kerrville, TX
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Fiesta Auto Insurance & Tax Service326 Francisco Lemos St Ste 3, Kerrville, TX 78028, USA | 4.8★ | 452 |
| #2 | Joe Cook & Associates, Inc.741 Water St #103, Kerrville, TX 78028, USA | 4.9★ | 116 |
| #3 | Amber Thomason - State Farm Insurance Agent221 Thompson Dr, Kerrville, TX 78028, USA | 4.9★ | 138 |
| #4 | Justin Hamilton - State Farm Insurance Agent1005 Sidney Baker St, Kerrville, TX 78028, USA | 4.9★ | 93 |
| #5 | Hill Car Insurance2702 Junction Hwy, Kerrville, TX 78028, USA | 4.3★ | 32 |
| #6 | Farmers Insurance - Nathaniel Turner260 Thompson Dr Ste 3, Kerrville, TX 78028, USA | 3.8★ | 12 |
| #7 | Frizzell Insurance1130 Junction Hwy #300, Kerrville, TX 78028, USA | 4.9★ | 8 |
| #8 | First Insurance Agency of The Hill Country123 Commerce St B, Kerrville, TX 78028, USA | 4.8★ | 70 |
| #9 | Insurance One Agency, LLC - B K Cody100 Fairway Dr, Kerrville, TX 78028, USA | 5.0★ | 1 |
| #10 | Imagine Insurance Agency Inc: Allstate Insurance141 W Water St Ste C-2, Kerrville, TX 78028, USA | 5.0★ | 3 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Insurance Agents in Kerrville
Trusted by locals with a stellar 4.9-star rating from nearly 100 reviews.
1005 Sidney Baker St, Kerrville, TX 78028, USA
Trusted by locals with a 4.3-star rating from 32 Google reviews.
2702 Junction Hwy, Kerrville, TX 78028, USA
A 3.8-star rating from 12 Google reviews reflects mixed local customer experiences.
260 Thompson Dr Ste 3, Kerrville, TX 78028, USA
4.9-star rating from 8 Google reviews, reflecting exceptional local client service.
1130 Junction Hwy #300, Kerrville, TX 78028, USA
A highly rated Kerrville insurance agent with 4.8 stars from 70 Google reviews.
123 Commerce St B, Kerrville, TX 78028, USA
Proudly holds a perfect 5.0-star rating based on initial customer reviews.
100 Fairway Dr, Kerrville, TX 78028, USA
5.0★ rating from 3 Google reviews for this Kerrville insurance agent.
141 W Water St Ste C-2, Kerrville, TX 78028, USA
5.0 stars from 6 reviews, reflecting exceptional client satisfaction.
301 Junction Hwy suite 343, Kerrville, TX 78028, USA
69 Google reviews give this Kerrville insurance agent a solid 3.9-star rating.
1464 Junction Hwy, Kerrville, TX 78028, USA
5.0-star rating from a handful of Google reviews in Kerrville.
339 W Water St Ste 6, Kerrville, TX 78028, USA
5.0-star rating from 32 Google reviews reflects exceptional local customer service.
1225 Bandera Hwy, Kerrville, TX 78028, USA
Trusted by locals with a 4.7-star rating from 69 reviews.
212 Sidney Baker St S, Kerrville, TX 78028, USA
No Google reviews yet for this Kerrville insurance agent.
1810 Junction Hwy Suite 107, Kerrville, TX 78028, USA
3.8 stars from 22 Google reviews indicate generally positive but mixed customer feedback.
425 W Main St, Kerrville, TX 78028, USA
3.8 stars from 15 Google reviews, reflecting mixed customer experiences.
341 Junction Hwy, Kerrville, TX 78028, USA
4.3 stars from 12 reviews, showing strong local satisfaction in Kerrville.
1214 Bandera Hwy, Kerrville, TX 78028, USA
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Insurance Agents in Kerrville, TX — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Fiesta Auto Insurance & Tax Service | 97/100 | 4.8 ★ | 452 |
| 2 | Joe Cook & Associates, Inc. | 94/100 | 4.9 ★ | 116 |
| 3 | Amber Thomason - State Farm Insurance Agent | 87/100 | 4.9 ★ | 138 |
| 4 | Justin Hamilton - State Farm Insurance Agent | 85/100 | 4.9 ★ | 93 |
| 5 | Hill Car Insurance | 77/100 | 4.3 ★ | 32 |
| 6 | Farmers Insurance - Nathaniel Turner | 64/100 | 3.8 ★ | 12 |
| 7 | Frizzell Insurance | 80/100 | 4.9 ★ | 8 |
| 8 | First Insurance Agency of The Hill Country | 90/100 | 4.8 ★ | 70 |
| 9 | Insurance One Agency, LLC - B K Cody | 74/100 | 5.0 ★ | 1 |
| 10 | Imagine Insurance Agency Inc: Allstate Insurance | 78/100 | 5.0 ★ | 3 |
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 Kerrville
What is the difference between a captive and independent insurance agent in Kerrville?
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 Kerrville 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 Kerrville?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Kerrville 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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