Pricing Guide · Kettering
Insurance Agents Cost in Kettering, OH — 2026 Price Guide
What should you pay for insurance agents in Kettering? See real 2026 price ranges from local pros and get free quotes to compare.
As of June 2026, RatingsNearMe ranks 16 insurance agents in Kettering, OH by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Becki Taylor - State Farm Insurance Agent with a 4.9-star rating from 253 Google reviews and an RNM Score of 87/100. Also in the top tier: Eric Evans - State Farm Insurance Agent and Direct Auto Insurance. The average rating across all listed insurance agents in Kettering is 4.8 stars from 74 reviews per business on average.
Insurance in Kettering: 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.
Kettering, OH is home to a variety of insurance agents offering auto, home, life, and business coverage. Consumers should research local agents' specialties, customer reviews, and compare quotes to find the best fit for their insurance needs.
- ✓Diverse range of insurance agents in Kettering, OH
- ✓Agents offer auto, home, life, and business insurance
- ✓Research agent specialties, reviews, and compare quotes
Best Overall
Rathweg Insurance Associates, Inc.
Rathweg Insurance Associates, Inc. stands out as the top-ranked agent in Kettering due to its strong reputation for personalized service and comprehensive coverage options.
Most Reviewed
Direct Auto Insurance
A high review count indicates broad customer experience and can help you gauge overall satisfaction and common service patterns.
When choosing an insurance agent in Kettering, consider whether you prefer a local independent agency like Rathweg for tailored advice or a larger chain like Direct Auto for convenience and volume. Always compare quotes and read recent reviews to ensure the agent meets your specific needs.
How to Choose a Insurance Agent in Kettering
What to look for
- • Insurance agent with experience serving the Kettering, OH area
- • Agent who can provide a range of insurance options (home, auto, life, etc.)
- • Agent with strong customer service and communication skills
- • Agent who is licensed and in good standing with the Ohio Department of Insurance
Questions to ask
- • How long have you been serving insurance clients in the Kettering area?
- • What types of insurance policies do you specialize in?
- • How will you work with me to understand my unique coverage needs?
- • Are you licensed and in good standing with the Ohio Department of Insurance?
Red flags
- ⚠ Agent who is pushy or overly aggressive in their sales tactics
- ⚠ Agent who cannot provide references or testimonials from satisfied Kettering clients
- ⚠ Agent who is not transparent about their licensing, fees, or commission structure
In Ohio, insurance agents must be licensed by the Ohio Department of Insurance. Be sure to verify an agent's license and standing before working with them.
Local Market Snapshot
16
Businesses listed
4.8★
Avg rating
74
Avg reviews
Jun 10, 2026
Last updated
Top Rated Insurance Agents
Trusted by hundreds of local clients with an exceptional 4.9-star average rating.
215 E Stroop Rd, Kettering, OH 45429, USARated 4.9 stars from over 250 reviews, this Kettering insurance agent is highly trusted.
1649 E Stroop Rd, Kettering, OH 45429, USATrusted by hundreds of clients with a stellar 4.9-star average rating.
6244 Wilmington Pike, Centerville, OH 45459, USAInsurance Agents Rankings in Kettering, OH
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Becki Taylor - State Farm Insurance Agent215 E Stroop Rd, Kettering, OH 45429, USA | 4.9★ | 253 |
| #2 | Eric Evans - State Farm Insurance Agent1649 E Stroop Rd, Kettering, OH 45429, USA | 4.9★ | 252 |
| #3 | Direct Auto Insurance6244 Wilmington Pike, Centerville, OH 45459, USA | 4.9★ | 174 |
| #4 | Rathweg Insurance Associates, Inc.2212 S Patterson Blvd, Kettering, OH 45409, USA | 4.9★ | 38 |
| #5 | Ohio Insurance Agency2260 E Dorothy Ln, Kettering, OH 45420, USA | 5.0★ | 2 |
| #6 | Tinnerman Insurance Agency - Centerville5 Iron Gate Park Dr, Centerville, OH 45459, USA | 4.9★ | 125 |
| #7 | Farmers Insurance - James Berlon3560 N Marshall Rd Ste 2, Kettering, OH 45429, USA | 5.0★ | 35 |
| #8 | Spectrum Insurance Agency1625 Springhill Ave, Kettering, OH 45409, USA | 4.1★ | 25 |
| #9 | Carr Insurance Agency, Inc.255 N Main St, Centerville, OH 45459, USA | 4.9★ | 151 |
| #10 | Miller Insurance & Financial Services, LLCAt The Greene, 70 Birch Alley Ste250, Beavercreek, OH 45440, USA | 5.0★ | 22 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Insurance Agents in Kettering
Trusted by locals with a flawless 4.9-star rating from 38 Google reviews.
2212 S Patterson Blvd, Kettering, OH 45409, USA
Rated 4.9 stars from over 125 Google reviews for reliable local insurance guidance.
5 Iron Gate Park Dr, Centerville, OH 45459, USA
5.0 stars from 35 Google reviews, reflecting consistent customer satisfaction in Kettering.
3560 N Marshall Rd Ste 2, Kettering, OH 45429, USA
Trusted Kettering insurance agent with a solid 4.1-star rating from 25 reviews.
1625 Springhill Ave, Kettering, OH 45409, USA
Trusted by hundreds of local clients, this Kettering agent holds a near-perfect 4.9-star rating.
255 N Main St, Centerville, OH 45459, USA
Rated 5.0 stars from 22 reviews, this Kettering insurance agent is highly trusted.
At The Greene, 70 Birch Alley Ste250, Beavercreek, OH 45440, USA
5.0 stars from 20 reviews, reflecting exceptional client satisfaction in Kettering.
108 W Franklin St, Bellbrook, OH 45305, USA
Known for a solid 4.4-star rating from 14 local Google reviews.
4080 Marshall Rd, Kettering, OH 45429, USA
Praised by clients for trusted guidance, with a 4.7-star rating from 13 reviews.
3058 Woodman Dr, Kettering, OH 45420, USA
Known for 4.7-star service from 6 local Google reviews in Kettering, OH.
4080 Marshall Rd, Kettering, OH 45429, USA
Trusted by clients, this Kettering insurance agent holds a perfect 5.0★ rating from 39 reviews.
1389 E Stroop Rd, Kettering, OH 45429, USA
Rated 5.0 stars from 9 Google reviews, this Kettering insurance agent is highly recommended.
3970 Shroyer Rd, Kettering, OH 45429, USA
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Insurance Agents in Kettering, OH — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Becki Taylor - State Farm Insurance Agent | 87/100 | 4.9 ★ | 253 |
| 2 | Eric Evans - State Farm Insurance Agent | 87/100 | 4.9 ★ | 252 |
| 3 | Direct Auto Insurance | 85/100 | 4.9 ★ | 174 |
| 4 | Rathweg Insurance Associates, Inc. | 77/100 | 4.9 ★ | 38 |
| 5 | Ohio Insurance Agency | 64/100 | 5.0 ★ | 2 |
| 6 | Tinnerman Insurance Agency - Centerville | 83/100 | 4.9 ★ | 125 |
| 7 | Farmers Insurance - James Berlon | 78/100 | 5.0 ★ | 35 |
| 8 | Spectrum Insurance Agency | 61/100 | 4.1 ★ | 25 |
| 9 | Carr Insurance Agency, Inc. | 84/100 | 4.9 ★ | 151 |
| 10 | Miller Insurance & Financial Services, LLC | 75/100 | 5.0 ★ | 22 |
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 Kettering
What is the difference between a captive and independent insurance agent in Kettering?
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 OH?
Search the OH Department of Insurance's online license lookup — Google "OH 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 OH must be licensed with the state.
How much does working with a local insurance agent in Kettering 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 Kettering?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Kettering 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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