Best Value · Lancaster
Affordable Insurance Agents in Lancaster, PA
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As of June 2026, RatingsNearMe ranks 20 insurance agents in Lancaster, PA by verified customer ratings and review volume. The highest-rated is Unruh Insurance Agency, Inc. with a 4.9-star rating from 144 verified reviews. Also in the top tier: Benner Insurance Agency and EHD Insurance. The average rating across all listed insurance agents in Lancaster is 4.9 stars from 188 reviews per business on average.
Insurance in Lancaster: 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
20
Businesses listed
4.9★
Avg rating
188
Avg reviews
Jun 1, 2026
Last updated
Top Rated Insurance Agents
Unruh Insurance Agency, Inc.
1344 Main St, East Earl, PA 17519, USA
Benner Insurance Agency
310 Historic Dr Box134, Strasburg, PA 17579, USA
Insurance Agents Rankings in Lancaster, PA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Unruh Insurance Agency, Inc.1344 Main St, East Earl, PA 17519, USA | 4.9★ | 144 |
| #2 | Benner Insurance Agency310 Historic Dr Box134, Strasburg, PA 17579, USA | 4.9★ | 129 |
| #3 | EHD Insurance1857 William Penn Way, Lancaster, PA 17601, USA | 4.9★ | 79 |
| #4 | Susquehanna Insurance650 Delp Rd, Lancaster, PA 17601, USA | 4.9★ | 199 |
| #5 | Bagnall Shaw Insurance401 W Orange St, Lancaster, PA 17603, USA | 4.7★ | 383 |
| #6 | Acceptance Insurance454 N Prince St, Lancaster, PA 17603, USA | 4.5★ | 184 |
| #7 | Forbes Insurance Agency - Geico & Erie Insurance1729 Lititz Pike, Lancaster, PA 17601, USA | 5.0★ | 236 |
| #8 | HomeSale Insurance Services215 S Centerville Rd Ste B, Lancaster, PA 17603, USA | 5.0★ | 456 |
| #9 | Element | Insurance Agency - Lancaster617B N Prince St #200, Lancaster, PA 17603, USA | 4.7★ | 176 |
| #10 | Red Rose Insurance100 S Queen St Ste 226, Lancaster, PA 17603, USA | 4.9★ | 191 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Insurance Agents in Lancaster
Susquehanna Insurance
650 Delp Rd, Lancaster, PA 17601, USA
Bagnall Shaw Insurance
401 W Orange St, Lancaster, PA 17603, USA
Acceptance Insurance
454 N Prince St, Lancaster, PA 17603, USA
Forbes Insurance Agency - Geico & Erie Insurance
1729 Lititz Pike, Lancaster, PA 17601, USA
HomeSale Insurance Services
215 S Centerville Rd Ste B, Lancaster, PA 17603, USA
Element | Insurance Agency - Lancaster
617B N Prince St #200, Lancaster, PA 17603, USA
Red Rose Insurance
100 S Queen St Ste 226, Lancaster, PA 17603, USA
Gebhard Insurance LLC
90 Willow Valley Square, Lancaster, PA 17602, USA
Hinkle Insurance Agency - Erie Insurance
705 Olde Hickory Rd, Lancaster, PA 17601, USA
Alicia Alexander - State Farm Insurance Agent
1265 Lititz Pike, Lancaster, PA 17601, USA
Sean Kelleher - State Farm Insurance Agent
1353 Fruitville Pike, Lancaster, PA 17601, USA
Susquehanna Insurance - Erie Insurance
10 E Lemon St, Lititz, PA 17543, USA
Eagle One Insurance Agency
2173 Embassy Dr, Lancaster, PA 17603, USA
Community Insurance
101 Good Dr floor 2, Lancaster, PA 17603, USA
Walker Insurance Services
2286 Pullman Rd, Lancaster, PA 17601, USA
Rick Milanak - State Farm Insurance Agent
2481 New Holland Pike, Lancaster, PA 17601, USA
New Heritage Insurance Agency
120 N Pointe Blvd Suite 302, Lancaster, PA 17601, USA
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Frequently Asked Questions — Insurance Agents in Lancaster
What is the difference between a captive and independent insurance agent in Lancaster?
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 PA?
Search the PA Department of Insurance's online license lookup — Google "PA 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 PA must be licensed with the state.
How much does working with a local insurance agent in Lancaster 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 Lancaster?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Lancaster 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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