Near You · Oceanside

Insurance Agents Near You in Oceanside, CA

Find insurance agents close to you in Oceanside. All results are sorted by proximity and rated by real local customers.

As of May 2026, RatingsNearMe ranks 19 insurance agents in Oceanside, CA by verified customer ratings and review volume. The highest-rated is Alta Vista Insurance Agency with a 4.8-star rating from 205 verified reviews. Also in the top tier: John Cho - State Farm Insurance Agent and AAA Oceanside Insurance and Member Services. The average rating across all listed insurance agents in Oceanside is 4.8 stars from 146 reviews per business on average.

Insurance in Oceanside: agents are typically paid by commission (5–15% of premium) — no cost to you to compare quotes.

Rankings updated May 17, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.

Local Market Snapshot

Businesses listed

4.8★

Avg rating

146

Avg reviews

May 17, 2026

Last updated

Top Rated Insurance Agents

🥇

Alta Vista Insurance Agency

4.8(205 reviews)

2585 Pio Pico Dr Suite 100, Carlsbad, CA 92008, USA

(888) 724-2124 Website

🥈

John Cho - State Farm Insurance Agent

5.0(804 reviews)

3520 College Blvd STE 104, Oceanside, CA 92056, USA

🥉

AAA Oceanside Insurance and Member Services

4.4(667 reviews)

3330 Vista Way, Oceanside, CA 92056, USA

Insurance Agents Rankings in Oceanside, CA

#	Business	Rating	Reviews	Price
#1	Alta Vista Insurance Agency2585 Pio Pico Dr Suite 100, Carlsbad, CA 92008, USA	4.8★	205	Free quotes
#2	John Cho - State Farm Insurance Agent3520 College Blvd STE 104, Oceanside, CA 92056, USA	5.0★	804	Free quotes
#3	AAA Oceanside Insurance and Member Services3330 Vista Way, Oceanside, CA 92056, USA	4.4★	667	Free quotes
#4	Farmers Insurance - Glenn Domingo3520 College Blvd Ste 105, Oceanside, CA 92056, USA	5.0★	182	Free quotes
#5	Gateway Insurance Agency Inc207 N Ditmar St, Oceanside, CA 92054, USA	4.6★	23	Free quotes
#6	Doers Insurance Agency2003 S El Camino Real #211, Oceanside, CA 92054, USA	5.0★	3	Free quotes
#7	Tecker Insurance1012 S Coast Hwy UNIT J, Oceanside, CA 92054, USA	4.8★	13	Free quotes
#8	Eric Opdahl - State Farm Insurance Agent3548 Seagate Way STE 130, Oceanside, CA 92056, USA	4.9★	118	Free quotes
#9	Gibbs Insurance Agency, Inc.3800 Oceanic Dr Suite 110, Oceanside, CA 92056, USA	5.0★	1	Free quotes
#10	Kalina Johnson - Farmers Insurance2103 S El Camino Real #102, Oceanside, CA 92054, USA	4.8★	51	Free quotes

Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026

All Insurance Agents in Oceanside

Farmers Insurance - Glenn Domingo

5.0· 182 reviews

3520 College Blvd Ste 105, Oceanside, CA 92056, USA

Gateway Insurance Agency Inc

4.6· 23 reviews

207 N Ditmar St, Oceanside, CA 92054, USA

Doers Insurance Agency

5.0· 3 reviews

2003 S El Camino Real #211, Oceanside, CA 92054, USA

Tecker Insurance

4.8· 13 reviews

1012 S Coast Hwy UNIT J, Oceanside, CA 92054, USA

Eric Opdahl - State Farm Insurance Agent

4.9· 118 reviews

3548 Seagate Way STE 130, Oceanside, CA 92056, USA

Gibbs Insurance Agency, Inc.

5.0· 1 reviews

3800 Oceanic Dr Suite 110, Oceanside, CA 92056, USA

Kalina Johnson - Farmers Insurance

4.8· 51 reviews

2103 S El Camino Real #102, Oceanside, CA 92054, USA

Inszone Insurance Services

5.0· 151 reviews

2111 S El Camino Real #201, Oceanside, CA 92054, USA

All Access Insurance Services, LLC

4.6· 15 reviews

2216 S El Camino Real suite 209, Oceanside, CA 92054, USA

Aloha West Insurance

4.9· 80 reviews

4225 Oceanside Blvd, Oceanside, CA 92056, USA

A-MAX Insurance

4.9· 49 reviews

510 Oceanside Blvd Ste 101, Oceanside, CA 92054, USA

Freeway Insurance

4.8· 301 reviews

1919 Mission Ave STE 106, Oceanside, CA 92058, USA

Leading Edge Insurance Services, Inc.

4.6· 17 reviews

815 Mission Ave Suite 208, Oceanside, CA 92054, USA

Fiesta Auto Insurance & Tax Service

4.5· 41 reviews

223 N Horne St B, Oceanside, CA 92054, USA

Beau Breese: Allstate Insurance

4.9· 28 reviews

3650 Ocean Ranch Blvd, Oceanside, CA 92056, USA

Michelle McGowan - State Farm Insurance Agent

4.5· 26 reviews

3602 Ocean Ranch Blvd, Oceanside, CA 92056, USA

Data from Google Business listings

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Frequently Asked Questions — Insurance Agents in Oceanside

What is the difference between a captive and independent insurance agent in Oceanside?

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 CA?

Search the CA Department of Insurance's online license lookup — Google "CA 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 CA must be licensed with the state.

How much does working with a local insurance agent in Oceanside 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 Oceanside?

Online works for simple auto or renters policies if you understand what you're buying. A local agent in Oceanside 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 17, 2026.