Top Picks · Lynnwood
Best Insurance Agents in Lynnwood, WA
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 16 insurance agents in Lynnwood, WA by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Villa Insurance Group with a 4.9-star rating from 796 Google reviews and an RNM Score of 98/100. 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 July 4, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
Villa Insurance Group
Villa Insurance Group stands out as the top-ranked agent in Lynnwood due to its consistently high customer satisfaction and strong local reputation.
Most Reviewed
Villa Insurance Group
A high number of reviews indicates a broad base of customer experiences, helping you gauge reliability and service quality.
When choosing an insurance agent in Lynnwood, compare quotes from multiple top-ranked agents and read recent reviews to ensure the agent meets your specific coverage needs and offers responsive local service.
Local Market Snapshot
16
Businesses listed
4.7★
Avg rating
221
Avg reviews
Jul 4, 2026
Last updated
Top Rated Insurance Agents
4.9-star rating from nearly 800 Google reviews highlights trusted local insurance guidance.
20006 Cedar Valley Rd Ste. 202, Lynnwood, WA 98036, USABoasting a 4.9-star rating from over 800 reviews, this Lynnwood agent is highly trusted.
16108 Ash Way #201, Lynnwood, WA 98087, USATrusted by hundreds of local clients, this Lynnwood agency holds a stellar 4.9-star rating.
19401 40th Ave W #270, Lynnwood, WA 98036, USAInsurance 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 | Michael Gutierrez - State Farm Insurance Agent18023 Hwy 99 ste b, Lynnwood, WA 98037, USA | 4.9★ | 258 |
| #5 | Josh Culotti - State Farm Insurance Agent18904 Hwy 99 H, Lynnwood, WA 98036, USA | 4.9★ | 133 |
| #6 | Seattle Best Insurance Inc18623 Hwy 99 #240, Lynnwood, WA 98037, USA | 4.4★ | 12 |
| #7 | Freeway Insurance Gr17315 Hwy 99, Lynnwood, WA 98037, USA | 3.3★ | 3 |
| #8 | The Pleasant Agency: Allstate Insurance4100 194th St SW #300, Lynnwood, WA 98036, USA | 4.8★ | 135 |
| #9 | Hood Insurance Agency, Inc17925 Hwy 99 Ste 202, Lynnwood, WA 98037, USA | 4.9★ | 190 |
| #10 | Michelle Tullius: Allstate Insurance16418 7th Pl W Ste C, Lynnwood, WA 98037, USA | 4.9★ | 321 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Insurance Agents in Lynnwood
Trusted by hundreds of local clients, this Lynnwood agent holds a flawless 4.9-star rating.
18023 Hwy 99 ste b, Lynnwood, WA 98037, USA
Trusted by hundreds of local clients, this Lynnwood agent holds a stellar 4.9-star rating.
18904 Hwy 99 H, Lynnwood, WA 98036, USA
4.4 stars from 12 Google reviews shows solid local reputation.
18623 Hwy 99 #240, Lynnwood, WA 98037, USA
Serving Lynnwood, this insurance agent holds a 3.3-star rating from 3 Google reviews.
17315 Hwy 99, Lynnwood, WA 98037, USA
Trusted by hundreds of local clients, this Lynnwood agent holds a stellar 4.8-star rating.
4100 194th St SW #300, Lynnwood, WA 98036, USA
Trusted by hundreds of local clients with a stellar 4.9-star average rating.
17925 Hwy 99 Ste 202, Lynnwood, WA 98037, USA
Trusted by hundreds of local clients, with an exceptional 4.9-star rating.
16418 7th Pl W Ste C, Lynnwood, WA 98037, USA
Boasting a flawless 5.0-star rating from 275 Google reviews.
3301 184th St SW # 115, Lynnwood, WA 98037, USA
5.0 stars from 17 reviews, reflecting exceptional local client satisfaction.
16911 Hwy 99 #101, Lynnwood, WA 98037, USA
4.6 stars from 9 reviews for an insurance agent in Lynnwood.
1133 164th St SW #103, Lynnwood, WA 98087, USA
No reviews yet for this Lynnwood insurance agent; check back soon for customer feedback.
2100 196th St SW, Lynnwood, WA 98036, USA
4.9-star rating from nearly 90 Google reviews proves trusted local service.
4610 200th St SW c, Lynnwood, WA 98036, USA
Known for 28 reviews averaging 3.9 stars, this Lynnwood insurance agent offers mixed local feedback.
19401 40th Ave W #440, Lynnwood, WA 98036, USA
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Insurance Agents in Lynnwood, WA — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Villa Insurance Group | 98/100 | 4.9 ★ | 796 |
| 2 | Mosaic Insurance Alliance, Llc | 87/100 | 4.9 ★ | 814 |
| 3 | Empire Insurance Brokers | 98/100 | 4.9 ★ | 241 |
| 4 | Michael Gutierrez - State Farm Insurance Agent | 87/100 | 4.9 ★ | 258 |
| 5 | Josh Culotti - State Farm Insurance Agent | 83/100 | 4.9 ★ | 133 |
| 6 | Seattle Best Insurance Inc | 62/100 | 4.4 ★ | 12 |
| 7 | Freeway Insurance Gr | 37/100 | 3.3 ★ | 3 |
| 8 | The Pleasant Agency: Allstate Insurance | 82/100 | 4.8 ★ | 135 |
| 9 | Hood Insurance Agency, Inc | 97/100 | 4.9 ★ | 190 |
| 10 | Michelle Tullius: Allstate Insurance | 87/100 | 4.9 ★ | 321 |
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 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: July 4, 2026.
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