24/7 Available · Lynnwood
24-Hour Insurance Agents in Lynnwood, WA — Always Available
Emergencies don't keep business hours. These insurance agents in Lynnwood are available 24 hours a day, 7 days a week — including holidays.
As of May 2026, RatingsNearMe ranks 16 insurance agents in Lynnwood, WA by verified customer ratings and review volume. The highest-rated is Villa Insurance Group with a 4.9-star rating from 796 verified reviews. Also in the top tier: Mosaic Insurance Alliance, Llc and Empire Insurance Brokers. The average rating across all listed insurance agents in Lynnwood is 4.7 stars from 221 reviews per business on average.
Insurance in Lynnwood: agents are typically paid by commission (5–15% of premium) — no cost to you to compare quotes.
Rankings updated May 16, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
16
Businesses listed
4.7★
Avg rating
221
Avg reviews
May 16, 2026
Last updated
Top Rated Insurance Agents
Villa Insurance Group
20006 Cedar Valley Rd Ste. 202, Lynnwood, WA 98036, USA
Mosaic Insurance Alliance, Llc
16108 Ash Way #201, Lynnwood, WA 98087, USA
Empire Insurance Brokers
19401 40th Ave W #270, Lynnwood, WA 98036, USA
Insurance Agents Rankings in Lynnwood, WA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Villa Insurance Group20006 Cedar Valley Rd Ste. 202, Lynnwood, WA 98036, USA | 4.9★ | 796 |
| #2 | Mosaic Insurance Alliance, Llc16108 Ash Way #201, Lynnwood, WA 98087, USA | 4.9★ | 814 |
| #3 | Empire Insurance Brokers19401 40th Ave W #270, Lynnwood, WA 98036, USA | 4.9★ | 241 |
| #4 | Hood Insurance Agency, Inc17925 Hwy 99 Ste 202, Lynnwood, WA 98037, USA | 4.9★ | 190 |
| #5 | The Pleasant Agency: Allstate Insurance4100 194th St SW #300, Lynnwood, WA 98036, USA | 4.8★ | 135 |
| #6 | City Insurance Center4610 200th St SW c, Lynnwood, WA 98036, USA | 4.9★ | 87 |
| #7 | Lynnwood Ace Insurance & Retirement Services3301 184th St SW # 115, Lynnwood, WA 98037, USA | 5.0★ | 275 |
| #8 | Michelle Tullius: Allstate Insurance16418 7th Pl W Ste C, Lynnwood, WA 98037, USA | 4.9★ | 321 |
| #9 | Robert D. Gregg & Sons, Inc. Insurance1133 164th St SW #103, Lynnwood, WA 98087, USA | 4.6★ | 9 |
| #10 | Omar Kordahi - State Farm Insurance Agent16911 Hwy 99 #101, Lynnwood, WA 98037, USA | 5.0★ | 17 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Insurance Agents in Lynnwood
Hood Insurance Agency, Inc
17925 Hwy 99 Ste 202, Lynnwood, WA 98037, USA
The Pleasant Agency: Allstate Insurance
4100 194th St SW #300, Lynnwood, WA 98036, USA
City Insurance Center
4610 200th St SW c, Lynnwood, WA 98036, USA
Lynnwood Ace Insurance & Retirement Services
3301 184th St SW # 115, Lynnwood, WA 98037, USA
Michelle Tullius: Allstate Insurance
16418 7th Pl W Ste C, Lynnwood, WA 98037, USA
Robert D. Gregg & Sons, Inc. Insurance
1133 164th St SW #103, Lynnwood, WA 98087, USA
Omar Kordahi - State Farm Insurance Agent
16911 Hwy 99 #101, Lynnwood, WA 98037, USA
Coram Insurance
2100 196th St SW, Lynnwood, WA 98036, USA
Acrisure Lynnwood, WA (PLC Insurance)
19401 40th Ave W #440, Lynnwood, WA 98036, USA
Seattle Best Insurance Inc
18623 Hwy 99 #240, Lynnwood, WA 98037, USA
Michael Gutierrez - State Farm Insurance Agent
18023 Hwy 99 ste b, Lynnwood, WA 98037, USA
Freeway Insurance Gr
17315 Hwy 99, Lynnwood, WA 98037, USA
Josh Culotti - State Farm Insurance Agent
18904 Hwy 99 H, Lynnwood, WA 98036, USA
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Frequently Asked Questions — Insurance Agents in Lynnwood
What is the difference between a captive and independent insurance agent in Lynnwood?
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 WA?
Search the WA Department of Insurance's online license lookup — Google "WA 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 WA must be licensed with the state.
How much does working with a local insurance agent in Lynnwood 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 Lynnwood?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Lynnwood 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 16, 2026.
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