Best Value · Lorain
Affordable Insurance Agents in Lorain, OH
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As of May 2026, RatingsNearMe ranks 20 insurance agents in Lorain, OH by verified customer ratings and review volume. The highest-rated is Neil Elkins - State Farm Insurance Agent with a 5.0-star rating from 362 verified reviews. Also in the top tier: Nick Perrico, Sr. - State Farm Insurance Agent and Charles Chapman - State Farm Insurance Agent. The average rating across all listed insurance agents in Lorain is 4.8 stars from 89 reviews per business on average.
Insurance in Lorain: 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
20
Businesses listed
4.8★
Avg rating
89
Avg reviews
May 17, 2026
Last updated
Top Rated Insurance Agents
Neil Elkins - State Farm Insurance Agent
1812 Cooper Foster Park Rd, Lorain, OH 44053, USA
Nick Perrico, Sr. - State Farm Insurance Agent
6401 S Broadway, Lorain, OH 44053, USA
Charles Chapman - State Farm Insurance Agent
4340 N Leavitt Rd F, Lorain, OH 44053, USA
Insurance Agents Rankings in Lorain, OH
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Neil Elkins - State Farm Insurance Agent1812 Cooper Foster Park Rd, Lorain, OH 44053, USA | 5.0★ | 362 |
| #2 | Nick Perrico, Sr. - State Farm Insurance Agent6401 S Broadway, Lorain, OH 44053, USA | 5.0★ | 341 |
| #3 | Charles Chapman - State Farm Insurance Agent4340 N Leavitt Rd F, Lorain, OH 44053, USA | 4.9★ | 149 |
| #4 | Janasko Insurance562 Broadway, Lorain, OH 44052, USA | 4.9★ | 71 |
| #5 | Lighthouse Insurance Agency4789 N Leavitt Rd Suite D, Lorain, OH 44053, USA | 4.9★ | 80 |
| #6 | Robert Taylor Insurance (Lorain Office)2063 N Ridge Rd, Lorain, OH 44055, USA | 4.6★ | 176 |
| #7 | Chris Arnott Agency Inc.4789 N Leavitt Rd Suite D, Lorain, OH 44053, USA | 5.0★ | 103 |
| #8 | Somers Agency LLC5311N N Leavitt Rd Ste 100, Lorain, OH 44053, USA | 4.7★ | 11 |
| #9 | The Liberty Company Insurance Brokers (Formerly Nationwide Insurance: Sam J Saraniti Clu)520 Broadway, Lorain, OH 44052, USA | 4.8★ | 17 |
| #10 | Cathie Halko - State Farm Insurance Agent1065 N Ridge Rd W, Lorain, OH 44053, USA | 4.9★ | 108 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Insurance Agents in Lorain
Janasko Insurance
562 Broadway, Lorain, OH 44052, USA
Lighthouse Insurance Agency
4789 N Leavitt Rd Suite D, Lorain, OH 44053, USA
Robert Taylor Insurance (Lorain Office)
2063 N Ridge Rd, Lorain, OH 44055, USA
Chris Arnott Agency Inc.
4789 N Leavitt Rd Suite D, Lorain, OH 44053, USA
Somers Agency LLC
5311N N Leavitt Rd Ste 100, Lorain, OH 44053, USA
The Liberty Company Insurance Brokers (Formerly Nationwide Insurance: Sam J Saraniti Clu)
520 Broadway, Lorain, OH 44052, USA
Cathie Halko - State Farm Insurance Agent
1065 N Ridge Rd W, Lorain, OH 44053, USA
D J Kwilecki Associates Insurance
211 W 8th St, Lorain, OH 44052, USA
Lake Shore Insurance Agency
177 Park Ave, Amherst, OH 44001, USA
CM SR22 Insurance Group
1922 Hamilton Ave, Lorain, OH 44052, USA
Ryan Insurance Agency Inc
105 Cleveland St, Elyria, OH 44035, USA
EZ Bonds Plus Insurance LLC
713 Broadway, Lorain, OH 44052, USA
Masters Insurance Agency
210 W 7th St, Lorain, OH 44052, USA
Kelley Agency
5311 N Leavitt Rd, Lorain, OH 44053, USA
Carrion insurance
600 Broadway, Lorain, OH 44052, USA
Pfister Insurance
112 E 19th St, Lorain, OH 44052, USA
Sandstone Insurance Group
Just East of Abbe & Detroit next to Marcos, 5328 Detroit Rd, Sheffield, OH 44035, USA
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Frequently Asked Questions — Insurance Agents in Lorain
What is the difference between a captive and independent insurance agent in Lorain?
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 Lorain 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 Lorain?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Lorain 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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