Top Picks · Miami
Best Insurance Agents in Miami, FL
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 20 insurance agents in Miami, FL by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is USA General Insurance Corporation with a 5.0-star rating from 1,161 Google reviews and an RNM Score of 88/100. Also in the top tier: Dulcinea Insurance Agency and Insurance Exchange of America. The average rating across all listed insurance agents in Miami is 4.9 stars from 494 reviews per business on average.
Insurance in Miami: agents are typically paid by commission (5–15% of premium) — no cost to you to compare quotes.
Rankings updated June 10, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
Mario Sueiras - GEICO Insurance Agent
Mario Sueiras stands out as a top-ranked agent due to his strong reputation and association with a nationally recognized insurer, offering reliable coverage options in Miami.
Most Reviewed
Mario Sueiras - GEICO Insurance Agent
A high review count indicates broad customer trust and consistent service quality, making it easier for new clients to feel confident in their choice.
When choosing an insurance agent in Miami, compare quotes from multiple agencies and read recent reviews to ensure the agent understands local risks like hurricanes and flooding. Also verify that the agent offers policies tailored to your specific needs, whether auto, home, or business insurance.
Local Market Snapshot
20
Businesses listed
4.9★
Avg rating
494
Avg reviews
Jun 10, 2026
Last updated
Top Rated Insurance Agents
5.0 stars from over 1,100 Google reviews in Miami.
13631 SW 26th St, Miami, FL 33175, USATop-rated Miami insurance agent with a perfect 5.0 from over 1,000 reviews.
1840 Coral Wy #221, Miami, FL 33145, USATrusted by over 1,200 clients with a near-perfect 4.9-star rating.
8600 NW 17th St Suite 101, Miami, FL 33126, USAInsurance Agents Rankings in Miami, FL
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | USA General Insurance Corporation13631 SW 26th St, Miami, FL 33175, USA | 5.0★ | 1,161 |
| #2 | Dulcinea Insurance Agency1840 Coral Wy #221, Miami, FL 33145, USA | 5.0★ | 1,042 |
| #3 | Insurance Exchange of America8600 NW 17th St Suite 101, Miami, FL 33126, USA | 4.9★ | 1,243 |
| #4 | Cheap Car Insurance Solutions Miami111 SW 3rd St, Miami, FL 33130, USA | 5.0★ | 7 |
| #5 | Dlla Affordable Auto Insurance Experts Miami - FL701 Brickell Ave #103, Miami, FL 33131, USA | 5.0★ | 4 |
| #6 | E&L Insurance1241 SW 27th Ave, Miami, FL 33135, USA | 5.0★ | 444 |
| #7 | SOL Insurance Agency1370 W Flagler St, Miami, FL 33135, USA | 4.8★ | 199 |
| #8 | Miami International Insurance Agency, Inc.2200 SW 16th St #212, Miami, FL 33145, USA | 5.0★ | 18 |
| #9 | Jorge Milanes - GEICO Insurance Agent17031 S Dixie Hwy, Palmetto Bay, FL 33157, USA | 5.0★ | 786 |
| #10 | Mario Sueiras - GEICO Insurance Agent8514 SW 8th St, Miami, FL 33144, USA | 4.4★ | 760 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Insurance Agents in Miami
5.0 stars from 7 reviews, earning top marks from Miami clients.
111 SW 3rd St, Miami, FL 33130, USA
Recognized for a perfect 5.0-star rating from its first local customer reviews.
701 Brickell Ave #103, Miami, FL 33131, USA
Miami insurance agent with a perfect 5.0-star rating from over 400 Google reviews.
1241 SW 27th Ave, Miami, FL 33135, USA
Rated 4.8 stars from nearly 200 Google reviews, this Miami agent is highly trusted.
1370 W Flagler St, Miami, FL 33135, USA
Agency maintains a perfect 5.0-star rating across 18 Google reviews.
2200 SW 16th St #212, Miami, FL 33145, USA
Rated 5.0 stars from nearly 800 Google reviews, this Miami insurance agent is highly trusted.
17031 S Dixie Hwy, Palmetto Bay, FL 33157, USA
Trusted Miami insurance agent with 4.4 stars from over 760 reviews.
8514 SW 8th St, Miami, FL 33144, USA
Miami's top-rated insurance agent with a perfect 5.0-star rating from nearly 600 reviews.
7900 NW 27th Ave #604B, Miami, FL 33147, USA
A trusted Miami insurance agent with 4.6 stars from 450 Google reviews.
42 NW 27th Ave Suite 101, Miami, FL 33125, USA
Miami insurance agent with a 4.9-star rating from 360 Google reviews.
800 Silks Run Suite 2330, Hallandale Beach, FL 33009, USA
Miami’s top-rated insurance agent with a perfect 5.0 stars from over 160 reviews.
3590 Coral Wy, Miami, FL 33145, USA
Trusted by hundreds of clients with a flawless 5.0-star rating in Miami.
9786 SW 8th St, Miami, FL 33174, USA
Trusted Miami insurance agent with a solid 4.1-star rating from 17 Google reviews.
780 NW 42nd Ave #9, Miami, FL 33126, USA
Exceptional 5.0-star rating from nearly 700 Google reviews in Miami.
999 Brickell Ave # 410, Miami, FL 33131, USA
Trusted by hundreds of local clients with a strong 4.7-star average rating.
7795 W Flagler St, Miami, FL 33144, USA
Top-rated Miami insurance agent with 4.8 stars from nearly 400 reviews.
2032 NW 17th Ave, Miami, FL 33142, USA
4.9-star rating from over 900 Google reviews for a Miami insurance agent.
7130 SW 43rd St, Miami, FL 33155, USA
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Insurance Agents in Miami, FL — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | USA General Insurance Corporation | 88/100 | 5.0 ★ | 1,161 |
| 2 | Dulcinea Insurance Agency | 88/100 | 5.0 ★ | 1,042 |
| 3 | Insurance Exchange of America | 87/100 | 4.9 ★ | 1,243 |
| 4 | Cheap Car Insurance Solutions Miami | 70/100 | 5.0 ★ | 7 |
| 5 | Dlla Affordable Auto Insurance Experts Miami - FL | 67/100 | 5.0 ★ | 4 |
| 6 | E&L Insurance | 88/100 | 5.0 ★ | 444 |
| 7 | SOL Insurance Agency | 84/100 | 4.8 ★ | 199 |
| 8 | Miami International Insurance Agency, Inc. | 74/100 | 5.0 ★ | 18 |
| 9 | Jorge Milanes - GEICO Insurance Agent | 88/100 | 5.0 ★ | 786 |
| 10 | Mario Sueiras - GEICO Insurance Agent | 78/100 | 4.4 ★ | 760 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · June 2026
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Frequently Asked Questions — Insurance Agents in Miami
What is the difference between a captive and independent insurance agent in Miami?
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 FL?
Search the FL Department of Insurance's online license lookup — Google "FL 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 FL must be licensed with the state.
How much does working with a local insurance agent in Miami 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 Miami?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Miami 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 10, 2026.
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