10+ Years · Live Oak
Experienced Insurance Agents in Live Oak, TX
Experience matters. These insurance agents in Live Oak have years of proven work behind them — and the reviews to back it up.
As of May 2026, RatingsNearMe ranks 10 insurance agents in Live Oak, TX by verified customer ratings and review volume. The highest-rated is The Phoenix Insurance with a 4.9-star rating from 234 verified reviews. 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 4.6 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 May 17, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
10
Businesses listed
4.6★
Avg rating
72
Avg reviews
May 17, 2026
Last updated
Top Rated Insurance Agents
The Phoenix Insurance
6600 Lyndon B Johnson Fwy Ste 220, Dallas, TX 75240, USA
Gibb Agency - Insurance Services
9535 Forest Ln #102, Dallas, TX 75243, USA
TWFG Insurance Services
6001 Summerside Dr STE 100, Dallas, TX 75252, USA
Insurance 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 | Gambell Insurance13246 Wood Climb St, San Antonio, TX 78233, USA | 4.5★ | 4 |
| #6 | Live Oak Insurance Agency200 Bowie St, George West, TX 78022, USA | 4.7★ | 3 |
| #7 | Sonya Daniels - State Farm Insurance Agent12315 Judson Rd Ste 302, Live Oak, TX 78233, USA | 4.3★ | 10 |
| #8 | Smith Allen Insurance12750 Merit Dr #540, Dallas, TX 75251, USA | 4.8★ | 92 |
| #9 | Farmers Insurance - Enrique Yzaguirre12702 Toepperwein Rd Suite 105, Live Oak, TX 78233, USA | 5.0★ | 2 |
| #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 May 2026
All Insurance Agents in Live Oak
Gambell Insurance
13246 Wood Climb St, San Antonio, TX 78233, USA
Live Oak Insurance Agency
200 Bowie St, George West, TX 78022, USA
Sonya Daniels - State Farm Insurance Agent
12315 Judson Rd Ste 302, Live Oak, TX 78233, USA
Farmers Insurance - Enrique Yzaguirre
12702 Toepperwein Rd Suite 105, Live Oak, TX 78233, USA
Live Oak Insurance Brokers LLC
110 Cypress Station Dr suite 156, Houston, TX 77090, USA
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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.
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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: May 17, 2026.
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