Top Picks · Lorain
Best Insurance Agents in Lorain, OH
Rated and reviewed by real customers. Compare prices, read reviews, and call the top pros near you — for free.
As of July 2026, RatingsNearMe ranks 20 insurance agents in Lorain, OH by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Neil Elkins - State Farm Insurance Agent with a 5.0-star rating from 362 Google reviews and an RNM Score of 88/100. 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 July 4, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
Janasko Insurance
Janasko Insurance is consistently top-ranked for its strong local reputation and comprehensive coverage options in Lorain.
Most Reviewed
Janasko Insurance
A high number of reviews indicates broad customer experience and trust, helping you gauge service reliability.
When choosing an insurance agent in Lorain, compare quotes from multiple agencies and read recent reviews to ensure the agent understands your specific coverage needs.
Local Market Snapshot
20
Businesses listed
4.8★
Avg rating
89
Avg reviews
Jul 4, 2026
Last updated
Top Rated Insurance Agents
Lorain insurance agent with a perfect 5.0-star rating from over 360 reviews.
1812 Cooper Foster Park Rd, Lorain, OH 44053, USATrusted by hundreds with a flawless 5.0-star rating in Lorain.
6401 S Broadway, Lorain, OH 44053, USALorain's top-rated insurance agent with a 4.9-star average from nearly 150 reviews.
4340 N Leavitt Rd F, Lorain, OH 44053, USAInsurance 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 | Robert Taylor Insurance (Lorain Office)2063 N Ridge Rd, Lorain, OH 44055, USA | 4.6★ | 176 |
| #5 | Lighthouse Insurance Agency4789 N Leavitt Rd Suite D, Lorain, OH 44053, USA | 4.9★ | 80 |
| #6 | Chris Arnott Agency Inc.4789 N Leavitt Rd Suite D, Lorain, OH 44053, USA | 5.0★ | 103 |
| #7 | Carrion insurance600 Broadway, Lorain, OH 44052, USA | — | — |
| #8 | Pfister Insurance112 E 19th St, Lorain, OH 44052, USA | 5.0★ | 2 |
| #9 | The Liberty Company Insurance Brokers (Formerly Nationwide Insurance: Sam J Saraniti Clu)520 Broadway, Lorain, OH 44052, USA | 4.8★ | 17 |
| #10 | EZ Bonds Plus Insurance LLC713 Broadway, Lorain, OH 44052, USA | 5.0★ | 1 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Insurance Agents in Lorain
Trusted Lorain insurance agent with a strong 4.6-star rating from hundreds of reviews.
2063 N Ridge Rd, Lorain, OH 44055, USA
Trusted by locals with a 4.9-star rating from 80 Google reviews.
4789 N Leavitt Rd Suite D, Lorain, OH 44053, USA
Trusted by locals with a perfect 5.0★ rating from over 100 reviews.
4789 N Leavitt Rd Suite D, Lorain, OH 44053, USA
An independent insurance agent in Lorain, OH with no customer reviews yet.
600 Broadway, Lorain, OH 44052, USA
Top-rated Lorain insurance agent with a perfect 5.0-star rating from customers.
112 E 19th St, Lorain, OH 44052, USA
4.8 stars from 17 reviews, reflecting exceptional local service.
520 Broadway, Lorain, OH 44052, USA
Exceptional 5.0-star rating based on a small number of Google reviews.
713 Broadway, Lorain, OH 44052, USA
No reviews yet for this Lorain insurance agent.
1922 Hamilton Ave, Lorain, OH 44052, USA
4.5 stars from 34 reviews reflects strong local customer satisfaction.
105 Cleveland St, Elyria, OH 44035, USA
3.4 stars from 10 reviews; mixed feedback from local clients.
210 W 7th St, Lorain, OH 44052, USA
5.0★ average rating from 3 Google reviews.
5311 N Leavitt Rd, Lorain, OH 44053, USA
4.9-star rating from over 100 Google reviews, reflecting exceptional local service.
Just East of Abbe & Detroit next to Marcos, 5328 Detroit Rd, Sheffield, OH 44035, USA
Top-rated Lorain insurance agent with 4.9 stars from 71 reviews.
562 Broadway, Lorain, OH 44052, USA
4.7 stars from 11 reviews, reflecting strong local customer satisfaction.
5311N N Leavitt Rd Ste 100, Lorain, OH 44053, USA
Proudly serving Lorain with a 4.9-star rating from over 100 Google reviews.
1065 N Ridge Rd W, Lorain, OH 44053, USA
4.8-star rating from 24 reviews highlights consistently excellent customer service.
177 Park Ave, Amherst, OH 44001, USA
Consistently rated 4.3 stars from 4 Google reviews, trusted by local clients.
211 W 8th St, Lorain, OH 44052, USA
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Insurance Agents in Lorain, OH — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Neil Elkins - State Farm Insurance Agent | 88/100 | 5.0 ★ | 362 |
| 2 | Nick Perrico, Sr. - State Farm Insurance Agent | 88/100 | 5.0 ★ | 341 |
| 3 | Charles Chapman - State Farm Insurance Agent | 84/100 | 4.9 ★ | 149 |
| 4 | Robert Taylor Insurance (Lorain Office) | 80/100 | 4.6 ★ | 176 |
| 5 | Lighthouse Insurance Agency | 80/100 | 4.9 ★ | 80 |
| 6 | Chris Arnott Agency Inc. | 84/100 | 5.0 ★ | 103 |
| 7 | Carrion insurance | 3/100 | — | 0 |
| 8 | Pfister Insurance | 64/100 | 5.0 ★ | 2 |
| 9 | The Liberty Company Insurance Brokers (Formerly Nationwide Insurance: Sam J Saraniti Clu) | 71/100 | 4.8 ★ | 17 |
| 10 | EZ Bonds Plus Insurance LLC | 62/100 | 5.0 ★ | 1 |
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 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: July 4, 2026.
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