Top Picks · Memphis
Best Insurance Agents in Memphis, TN
Rated and reviewed by real customers. Compare prices, read reviews, and call the top pros near you — for free.
As of June 2026, RatingsNearMe ranks 18 insurance agents in Memphis, TN by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Elvin Taylor - State Farm Insurance Agent with a 5.0-star rating from 1,937 Google reviews and an RNM Score of 92/100. Also in the top tier: Fields Insurance and Lofton Wells Insurance. The average rating across all listed insurance agents in Memphis is 4.6 stars from 192 reviews per business on average.
Insurance in Memphis: agents are typically paid by commission (5–15% of premium) — no cost to you to compare quotes.
Rankings updated June 9, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Memphis, Tennessee is home to a variety of insurance agents offering coverage for home, auto, life, and other personal insurance needs. Consumers should research local agents to find the best coverage and rates for their specific situation.
- ✓Wide selection of insurance agents in the Memphis area
- ✓Agents offer coverage for home, auto, life, and other personal insurance
- ✓Research local agents to find the right coverage and rates
How to Choose a Insurance Agent in Memphis
What to look for
- • Years of experience in the insurance industry, especially in Memphis, TN
- • Specialization in the type of insurance you need (e.g. home, auto, life)
- • Strong knowledge of the local Memphis, TN insurance market and providers
- • Positive reviews and recommendations from past clients in Memphis, TN
Questions to ask
- • How long have you been an insurance agent in Memphis, TN?
- • What types of insurance do you specialize in?
- • Can you provide references from your clients in the Memphis, TN area?
Red flags
- ⚠ Lack of experience or knowledge about the Memphis, TN insurance market
- ⚠ Unwillingness to provide references or client testimonials
- ⚠ Aggressive sales tactics or pressure to buy insurance you don't need
In Tennessee, insurance agents must be licensed by the Tennessee Department of Commerce and Insurance. Be sure to verify the agent's license and check for any disciplinary actions or complaints.
Local Market Snapshot
18
Businesses listed
4.6★
Avg rating
192
Avg reviews
Jun 9, 2026
Last updated
Top Rated Insurance Agents
5.0-star rating from nearly 2,000 Google reviews in Memphis.
2725 Kirby Rd Ste 11B, Memphis, TN 38119, USA4.9-star rating from over 200 Google reviews in Memphis.
3766 Ridgeway Rd, Memphis, TN 38115, USATrusted by hundreds of Memphis clients with an exceptional 4.8★ average rating.
6187 Stage Rd, Bartlett, TN 38134, USAInsurance Agents Rankings in Memphis, TN
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Elvin Taylor - State Farm Insurance Agent2725 Kirby Rd Ste 11B, Memphis, TN 38119, USA | 5.0★ | 1,937 |
| #2 | Fields Insurance3766 Ridgeway Rd, Memphis, TN 38115, USA | 4.9★ | 210 |
| #3 | Lofton Wells Insurance6187 Stage Rd, Bartlett, TN 38134, USA | 4.8★ | 196 |
| #4 | RiskGuard Sr22 Insurance Agency Tennessee1331 Union Ave #980, Memphis, TN 38104, USA | 4.7★ | 14 |
| #5 | Absolute Best Auto Insurance Agency539 S Highland St, Memphis, TN 38111, USA | 5.0★ | 6 |
| #6 | Prime SR22 insurance Memphis61 Adams Ave, Memphis, TN 38103, USA | — | — |
| #7 | iCover Insurance231 Exchange Ave, Memphis, TN 38105, USA | 4.9★ | 13 |
| #8 | Memphis Home Insurance Solutions964 Kentucky St, Memphis, TN 38106, USA | 5.0★ | 11 |
| #9 | Collier Insurance606 S Mendenhall Rd, Memphis, TN 38117, USA | 4.4★ | 21 |
| #10 | Memphis General Auto Insurance Company740 E McLemore Ave #21, Memphis, TN 38106, USA | 1.5★ | 2 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Insurance Agents in Memphis
1331 Union Ave #980, Memphis, TN 38104, USA
539 S Highland St, Memphis, TN 38111, USA
61 Adams Ave, Memphis, TN 38103, USA
231 Exchange Ave, Memphis, TN 38105, USA
964 Kentucky St, Memphis, TN 38106, USA
606 S Mendenhall Rd, Memphis, TN 38117, USA
740 E McLemore Ave #21, Memphis, TN 38106, USA
4515 Poplar Ave #322, Memphis, TN 38117, USA
2964 Ole Bartlett Ct Suite 7, Memphis, TN 38134, USA
4216 Millbranch Rd, Memphis, TN 38116, USA
Trusted by hundreds of Memphis clients, this agent holds a stellar 4.8-star rating.
5501 Murray Ave, Memphis, TN 38119, USA
Over 150 Google reviews give this Memphis insurance agent a strong 4.6-star rating.
866 Ridgeway Loop Rd, Memphis, TN 38120, USA
Trusted Memphis insurance agent with a 4.7-star rating from 182 Google reviews.
4287 Summer Ave ste 102, Memphis, TN 38122, USA
6525 N Quail Hollow Rd #400, Memphis, TN 38120, USA
Trusted by hundreds of Memphis clients, this agent holds a 4.9-star rating.
1255 Lynnfield Rd STE 100, Memphis, TN 38119, USA
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Insurance Agents in Memphis, TN — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Elvin Taylor - State Farm Insurance Agent | 92/100 | 5.0 ★ | 1,937 |
| 2 | Fields Insurance | 97/100 | 4.9 ★ | 210 |
| 3 | Lofton Wells Insurance | 95/100 | 4.8 ★ | 196 |
| 4 | RiskGuard Sr22 Insurance Agency Tennessee | 68/100 | 4.7 ★ | 14 |
| 5 | Absolute Best Auto Insurance Agency | 69/100 | 5.0 ★ | 6 |
| 6 | Prime SR22 insurance Memphis | 15/100 | — | 0 |
| 7 | iCover Insurance | 83/100 | 4.9 ★ | 13 |
| 8 | Memphis Home Insurance Solutions | 83/100 | 5.0 ★ | 11 |
| 9 | Collier Insurance | 77/100 | 4.4 ★ | 21 |
| 10 | Memphis General Auto Insurance Company | 31/100 | 1.5 ★ | 2 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · June 2026
Frequently Asked Questions — Insurance Agents in Memphis
What is the difference between a captive and independent insurance agent in Memphis?
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 TN?
Search the TN Department of Insurance's online license lookup — Google "TN 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 TN must be licensed with the state.
How much does working with a local insurance agent in Memphis 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 Memphis?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Memphis 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: June 9, 2026.
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