Local Pros · Kerrville
Local Insurance Agents in Kerrville, TX
Locally owned and operated insurance agents serving Kerrville and the surrounding area. Supporting local businesses means faster response and accountability.
As of June 2026, RatingsNearMe ranks 19 insurance agents in Kerrville, TX by verified customer ratings and review volume. The highest-rated is Fiesta Auto Insurance & Tax Service with a 4.8-star rating from 452 verified reviews. 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 1, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
19
Businesses listed
4.6★
Avg rating
64
Avg reviews
Jun 1, 2026
Last updated
Top Rated Insurance Agents
Fiesta Auto Insurance & Tax Service
326 Francisco Lemos St Ste 3, Kerrville, TX 78028, USA
Joe Cook & Associates, Inc.
741 Water St #103, Kerrville, TX 78028, USA
Amber Thomason - State Farm Insurance Agent
221 Thompson Dr, Kerrville, TX 78028, USA
Insurance 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 CO MEDICARE SOLUTIONS1810 Junction Hwy Suite 107, Kerrville, TX 78028, USA | — | — |
| #6 | Garrett Insurance Agency, LLC212 Sidney Baker St S, Kerrville, TX 78028, USA | 4.7★ | 69 |
| #7 | Farmers Insurance - Rolando Lopez1214 Bandera Hwy, Kerrville, TX 78028, USA | 4.3★ | 12 |
| #8 | First Insurance Agency of The Hill Country123 Commerce St B, Kerrville, TX 78028, USA | 4.8★ | 70 |
| #9 | Advanced Insurance Group1225 Bandera Hwy, Kerrville, TX 78028, USA | 5.0★ | 32 |
| #10 | Texas Farm Bureau Insurance Company341 Junction Hwy, Kerrville, TX 78028, USA | 3.8★ | 15 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Insurance Agents in Kerrville
Justin Hamilton - State Farm Insurance Agent
1005 Sidney Baker St, Kerrville, TX 78028, USA
Garrett Insurance Agency, LLC
212 Sidney Baker St S, Kerrville, TX 78028, USA
Farmers Insurance - Rolando Lopez
1214 Bandera Hwy, Kerrville, TX 78028, USA
First Insurance Agency of The Hill Country
123 Commerce St B, Kerrville, TX 78028, USA
Advanced Insurance Group
1225 Bandera Hwy, Kerrville, TX 78028, USA
Texas Farm Bureau Insurance Company
341 Junction Hwy, Kerrville, TX 78028, USA
Frizzell Insurance
1130 Junction Hwy #300, Kerrville, TX 78028, USA
Farmers Insurance - Nathaniel Turner
260 Thompson Dr Ste 3, Kerrville, TX 78028, USA
Imagine Insurance Agency Inc: Allstate Insurance
141 W Water St Ste C-2, Kerrville, TX 78028, USA
Texas Insurance Advisers LLC
339 W Water St Ste 6, Kerrville, TX 78028, USA
Farmers Insurance - Andrea Cobb
301 Junction Hwy suite 343, Kerrville, TX 78028, USA
Insurance One Agency, LLC - B K Cody
100 Fairway Dr, Kerrville, TX 78028, USA
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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 1, 2026.
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