Showing results near Lodi
We don't have insurance agents listed specifically in Lodi yet — these top-rated pros from Elk Grove serve your area and are available for calls and quotes today.
24/7 Available · Lodi
24-Hour Insurance Agents in Lodi, CA — Always Available
Emergencies don't keep business hours. These insurance agents in Lodi are available 24 hours a day, 7 days a week — including holidays.
As of July 2026, RatingsNearMe ranks 20 insurance agents in Lodi, CA by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Aschwanden-Grayberg Insurance with a 4.6-star rating from 5 Google reviews and an RNM Score of 73/100. Also in the top tier: MVH Insurance Agency and Elk Grove Insurance Services, Inc.. The average rating across all listed insurance agents in Lodi is 4.8 stars from 244 reviews per business on average.
Insurance in Lodi: 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.
Local Market Snapshot
20
Businesses listed
4.8★
Avg rating
244
Avg reviews
Jul 4, 2026
Last updated
Top Rated Insurance Agents
Highly rated Elk Grove insurance agent with 4.6 stars from 5 reviews.
9727 Elk Grove Florin Rd # 130, Elk Grove, CA 95624, USATrusted by hundreds with a perfect 5.0-star rating in Elk Grove.
9594 2nd Ave #100, Elk Grove, CA 95624, USA4.3 stars from 19 reviews, reflecting solid local customer satisfaction.
8933 Elk Grove Blvd, Elk Grove, CA 95624, USAInsurance Agents Rankings in Lodi, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Aschwanden-Grayberg Insurance9727 Elk Grove Florin Rd # 130, Elk Grove, CA 95624, USA | 4.6★ | 5 |
| #2 | MVH Insurance Agency9594 2nd Ave #100, Elk Grove, CA 95624, USA | 5.0★ | 106 |
| #3 | Elk Grove Insurance Services, Inc.8933 Elk Grove Blvd, Elk Grove, CA 95624, USA | 4.3★ | 19 |
| #4 | Aaron Clift: Allstate Insurance8788 Elk Grove Blvd Ste K, Elk Grove, CA 95624, USA | 4.8★ | 104 |
| #5 | Darr Insurance Agency8788 Elk Grove Blvd Building 3 Suite 18, Elk Grove, CA 95624, USA | 5.0★ | 133 |
| #6 | Rigo Delatorre - State Farm Insurance Agent8827 Elk Grove Blvd, Elk Grove, CA 95624, USA | 4.9★ | 133 |
| #7 | Cost-U-Less Insurance8451 Elk Grove Blvd Suite 11, Elk Grove, CA 95758, USA | 4.9★ | 372 |
| #8 | Lorens Gandingco - State Farm Insurance Agent8139 Elk Grove Blvd #160, Elk Grove, CA 95758, USA | 4.9★ | 63 |
| #9 | Insurance121 Insurance Solutions9381 E Stockton Blvd STE 204, Elk Grove, CA 95624, USA | 5.0★ | 39 |
| #10 | Melissa Messer at Comparion Insurance Agency9381 E Stockton Blvd STE 114, Elk Grove, CA 95624, USA | 5.0★ | 155 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Insurance Agents in Lodi
Trusted by hundreds of local clients, this Elk Grove agent holds a near-perfect 4.8-star rating.
8788 Elk Grove Blvd Ste K, Elk Grove, CA 95624, USA
Top-rated Elk Grove insurance agent with a perfect 5.0-star rating from over 130 reviews.
8788 Elk Grove Blvd Building 3 Suite 18, Elk Grove, CA 95624, USA
Known for exceptional 4.9★ service across hundreds of glowing Google reviews.
8827 Elk Grove Blvd, Elk Grove, CA 95624, USA
Trusted by hundreds of local clients, this agent holds a near-perfect 4.9-star rating.
8451 Elk Grove Blvd Suite 11, Elk Grove, CA 95758, USA
4.9-star rating from 63 reviews reflects consistently excellent local service.
8139 Elk Grove Blvd #160, Elk Grove, CA 95758, USA
Rated 5.0 stars from 39 reviews, this Elk Grove agent is highly trusted.
9381 E Stockton Blvd STE 204, Elk Grove, CA 95624, USA
Exceptional 5.0-star rating from over 150 Google reviews in Elk Grove.
9381 E Stockton Blvd STE 114, Elk Grove, CA 95624, USA
Elk Grove insurance agent with a 4.9-star rating from 19 glowing Google reviews.
9381 E Stockton Blvd STE 114, Elk Grove, CA 95624, USA
Elk Grove insurance agent with a perfect 5.0-star rating from 86 reviews.
9381 E Stockton Blvd STE 114, Elk Grove, CA 95624, USA
Elk Grove insurance agent with a perfect 5.0-star rating from 7 Google reviews.
9299 E Stockton Blvd, Elk Grove, CA 95624, USA
Elk Grove insurance agent with 4.8 stars from 53 glowing Google reviews.
9245 Laguna Springs Dr Suite 200, Elk Grove, CA 95758, USA
Trusted by hundreds of local clients with a consistent 4.4-star rating.
8225 Laguna Blvd Ste 120, Elk Grove, CA 95758, USA
Trusted by thousands, this Elk Grove insurance agent holds a stellar 4.9-star rating.
8126 Sheldon Rd Ste 130, Elk Grove, CA 95758, USA
Trusted by hundreds of local clients with a strong 4.7-star rating.
2358 Maritime Dr Ste 100, Elk Grove, CA 95758, USA
Rated 5.0 stars from 379 Google reviews, this Elk Grove agent is exceptionally trusted.
9028 Franklin Blvd UNIT 150, Elk Grove, CA 95758, USA
4.7 stars from 53 reviews, reflecting strong community trust in Elk Grove.
9108 Laguna Main St STE 2B, Elk Grove, CA 95758, USA
Serving Sacramento with a flawless 5.0-star rating from over 260 local reviews.
7411 W Stockton Blvd #120, Sacramento, CA 95823, USA
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Insurance Agents in Lodi, CA — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Aschwanden-Grayberg Insurance | 73/100 | 4.6 ★ | 5 |
| 2 | MVH Insurance Agency | 95/100 | 5.0 ★ | 106 |
| 3 | Elk Grove Insurance Services, Inc. | 74/100 | 4.3 ★ | 19 |
| 4 | Aaron Clift: Allstate Insurance | 92/100 | 4.8 ★ | 104 |
| 5 | Darr Insurance Agency | 97/100 | 5.0 ★ | 133 |
| 6 | Rigo Delatorre - State Farm Insurance Agent | 87/100 | 4.9 ★ | 133 |
| 7 | Cost-U-Less Insurance | 98/100 | 4.9 ★ | 372 |
| 8 | Lorens Gandingco - State Farm Insurance Agent | 83/100 | 4.9 ★ | 63 |
| 9 | Insurance121 Insurance Solutions | 90/100 | 5.0 ★ | 39 |
| 10 | Melissa Messer at Comparion Insurance Agency | 97/100 | 5.0 ★ | 155 |
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 Lodi
What is the difference between a captive and independent insurance agent in Lodi?
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 CA?
Search the CA Department of Insurance's online license lookup — Google "CA 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 CA must be licensed with the state.
How much does working with a local insurance agent in Lodi 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 Lodi?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Lodi 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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