Low Cost · Live Oak
Cheap Insurance Agents in Live Oak, TX — Best Prices
Compare insurance agents prices in Live Oak to find the best deal. All businesses are reviewed — cheap doesn't mean low quality.
As of July 2026, RatingsNearMe ranks 10 insurance agents in Live Oak, TX by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is The Phoenix Insurance with a 4.9-star rating from 234 Google reviews and an RNM Score of 98/100. Also in the top tier: Gibb Agency - Insurance Services and TWFG Insurance Services. The average rating across all listed insurance agents in Live Oak is 4.7 stars from 72 reviews per business on average.
Insurance in Live Oak: agents are typically paid by commission (5–15% of premium) — no cost to you to compare quotes.
Rankings updated July 4, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
The Phoenix Insurance
The Phoenix Insurance stands out as the top-ranked agent in Live Oak due to its strong local reputation and comprehensive coverage options.
Most Reviewed
Sonya Daniels - State Farm Insurance Agent
A high review count indicates broad customer experience and trust, making it easier to gauge service quality from a large sample of clients.
When choosing an insurance agent in Live Oak, compare quotes from multiple agents and read recent reviews to ensure the agent aligns with your specific coverage needs and budget.
Local Market Snapshot
10
Businesses listed
4.7★
Avg rating
72
Avg reviews
Jul 4, 2026
Last updated
Top Rated Insurance Agents
Trusted by hundreds of local clients, this Live Oak agency holds a stellar 4.9-star rating.
6600 Lyndon B Johnson Fwy Ste 220, Dallas, TX 75240, USARated 5.0 stars from 135 Google reviews, this Live Oak agent is highly trusted.
9535 Forest Ln #102, Dallas, TX 75243, USATrusted by hundreds of local clients with a stellar 4.8-star rating.
6001 Summerside Dr STE 100, Dallas, TX 75252, USAInsurance Agents Rankings in Live Oak, TX
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | The Phoenix Insurance6600 Lyndon B Johnson Fwy Ste 220, Dallas, TX 75240, USA | 4.9★ | 234 |
| #2 | Gibb Agency - Insurance Services9535 Forest Ln #102, Dallas, TX 75243, USA | 5.0★ | 135 |
| #3 | TWFG Insurance Services6001 Summerside Dr STE 100, Dallas, TX 75252, USA | 4.8★ | 119 |
| #4 | Fred Loya Insurance8200 Pat Booker Rd, Live Oak, TX 78233, USA | 3.7★ | 46 |
| #5 | Farmers Insurance - Enrique Yzaguirre12702 Toepperwein Rd Suite 105, Live Oak, TX 78233, USA | 5.0★ | 2 |
| #6 | Smith Allen Insurance12750 Merit Dr #540, Dallas, TX 75251, USA | 4.8★ | 92 |
| #7 | Sonya Daniels - State Farm Insurance Agent12315 Judson Rd Ste 302, Live Oak, TX 78233, USA | 4.3★ | 10 |
| #8 | Gambell Insurance13246 Wood Climb St, San Antonio, TX 78233, USA | 4.5★ | 4 |
| #9 | Live Oak Insurance Agency200 Bowie St, George West, TX 78022, USA | 4.7★ | 3 |
| #10 | Live Oak Insurance Brokers LLC110 Cypress Station Dr suite 156, Houston, TX 77090, USA | 4.8★ | 75 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Insurance Agents in Live Oak
46 reviews give this Live Oak insurance agent a mixed 3.7-star rating.
8200 Pat Booker Rd, Live Oak, TX 78233, USA
Exceptional 5.0-star rating from a small number of Google reviews.
12702 Toepperwein Rd Suite 105, Live Oak, TX 78233, USA
Rated 4.8 stars from 92 Google reviews, this Live Oak agent is highly trusted.
12750 Merit Dr #540, Dallas, TX 75251, USA
Rated 4.3 stars from 10 Google reviews, serving the Live Oak area.
12315 Judson Rd Ste 302, Live Oak, TX 78233, USA
A 4.5-star rating from 4 Google reviews reflects strong local customer satisfaction.
13246 Wood Climb St, San Antonio, TX 78233, USA
Trusted Live Oak insurance agent with a strong 4.7-star rating from local reviews.
200 Bowie St, George West, TX 78022, USA
Rated 4.8 stars from 75 reviews, this Live Oak agent is highly trusted by clients.
110 Cypress Station Dr suite 156, Houston, TX 77090, USA
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Insurance Agents in Live Oak, TX — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | The Phoenix Insurance | 98/100 | 4.9 ★ | 234 |
| 2 | Gibb Agency - Insurance Services | 97/100 | 5.0 ★ | 135 |
| 3 | TWFG Insurance Services | 93/100 | 4.8 ★ | 119 |
| 4 | Fred Loya Insurance | 69/100 | 3.7 ★ | 46 |
| 5 | Farmers Insurance - Enrique Yzaguirre | 76/100 | 5.0 ★ | 2 |
| 6 | Smith Allen Insurance | 83/100 | 4.8 ★ | 92 |
| 7 | Sonya Daniels - State Farm Insurance Agent | 63/100 | 4.3 ★ | 10 |
| 8 | Gambell Insurance | 59/100 | 4.5 ★ | 4 |
| 9 | Live Oak Insurance Agency | 72/100 | 4.7 ★ | 3 |
| 10 | Live Oak Insurance Brokers LLC | 78/100 | 4.8 ★ | 75 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · July 2026
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Frequently Asked Questions — Insurance Agents in Live Oak
What is the difference between a captive and independent insurance agent in Live Oak?
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 Live Oak 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 Live Oak?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Live Oak 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.
Insurance Agents in Nearby Cities
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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: July 4, 2026.
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