10+ Years · Miami
Experienced Insurance Agents in Miami, FL
Experience matters. These insurance agents in Miami have years of proven work behind them — and the reviews to back it up.
As of June 2026, RatingsNearMe ranks 20 insurance agents in Miami, FL by verified customer ratings and review volume. The highest-rated is Dulcinea Insurance Agency with a 5.0-star rating from 1,042 verified reviews. Also in the top tier: USA General Insurance Corporation 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 1, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
20
Businesses listed
4.9★
Avg rating
494
Avg reviews
Jun 1, 2026
Last updated
Top Rated Insurance Agents
Dulcinea Insurance Agency
1840 Coral Wy #221, Miami, FL 33145, USA
USA General Insurance Corporation
13631 SW 26th St, Miami, FL 33175, USA
Insurance Exchange of America
8600 NW 17th St Suite 101, Miami, FL 33126, USA
Insurance Agents Rankings in Miami, FL
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Dulcinea Insurance Agency1840 Coral Wy #221, Miami, FL 33145, USA | 5.0★ | 1,042 |
| #2 | USA General Insurance Corporation13631 SW 26th St, Miami, FL 33175, USA | 5.0★ | 1,161 |
| #3 | Insurance Exchange of America8600 NW 17th St Suite 101, Miami, FL 33126, USA | 4.9★ | 1,243 |
| #4 | E&L Insurance1241 SW 27th Ave, Miami, FL 33135, USA | 5.0★ | 444 |
| #5 | Madrinas Insurance Miami7795 W Flagler St, Miami, FL 33144, USA | 4.7★ | 531 |
| #6 | Cheap Car Insurance Solutions Miami111 SW 3rd St, Miami, FL 33130, USA | 5.0★ | 7 |
| #7 | SOL Insurance Agency1370 W Flagler St, Miami, FL 33135, USA | 4.8★ | 199 |
| #8 | American Insurance Point - AIP FLORIDA999 Brickell Ave # 410, Miami, FL 33131, USA | 5.0★ | 689 |
| #9 | Dlla Affordable Auto Insurance Experts Miami - FL701 Brickell Ave #103, Miami, FL 33131, USA | 5.0★ | 4 |
| #10 | Miami Insurance Brokers800 Silks Run Suite 2330, Hallandale Beach, FL 33009, USA | 4.9★ | 360 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Insurance Agents in Miami
E&L Insurance
1241 SW 27th Ave, Miami, FL 33135, USA
Madrinas Insurance Miami
7795 W Flagler St, Miami, FL 33144, USA
Cheap Car Insurance Solutions Miami
111 SW 3rd St, Miami, FL 33130, USA
SOL Insurance Agency
1370 W Flagler St, Miami, FL 33135, USA
American Insurance Point - AIP FLORIDA
999 Brickell Ave # 410, Miami, FL 33131, USA
Dlla Affordable Auto Insurance Experts Miami - FL
701 Brickell Ave #103, Miami, FL 33131, USA
Miami Insurance Brokers
800 Silks Run Suite 2330, Hallandale Beach, FL 33009, USA
World Star Insurance, Corp
780 NW 42nd Ave #9, Miami, FL 33126, USA
South Florida Insurance Brokers - Medicare Specialists
3590 Coral Wy, Miami, FL 33145, USA
Jorge Milanes - GEICO Insurance Agent
17031 S Dixie Hwy, Palmetto Bay, FL 33157, USA
Estrella Insurance
2032 NW 17th Ave, Miami, FL 33142, USA
Diaz Insurance, Inc.
9786 SW 8th St, Miami, FL 33174, USA
Miami International Insurance Agency, Inc.
2200 SW 16th St #212, Miami, FL 33145, USA
Neighbors Insurance Agency
7130 SW 43rd St, Miami, FL 33155, USA
Mercado Insurance Agency
7900 NW 27th Ave #604B, Miami, FL 33147, USA
Del Toro Insurance
42 NW 27th Ave Suite 101, Miami, FL 33125, USA
Mario Sueiras - GEICO Insurance Agent
8514 SW 8th St, Miami, FL 33144, USA
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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 1, 2026.
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