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Insurance Agents in Oldsmar, FL — Free Estimates
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As of July 2026, RatingsNearMe ranks 11 insurance agents in Oldsmar, FL by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Steve Turner Insurance Specialist with a 5.0-star rating from 174 Google reviews and an RNM Score of 86/100. Also in the top tier: Brightway Insurance - The Lutz Agency and Freddy Alfaro-Aprendiendo de Seguros. The average rating across all listed insurance agents in Oldsmar is 4.4 stars from 53 reviews per business on average.
Insurance in Oldsmar: 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
Freddy Alfaro-Aprendiendo de Seguros
Freddy Alfaro stands out as a top-ranked agent due to his educational approach to insurance and strong local reputation in Oldsmar.
Most Reviewed
Stephen Belau - State Farm Insurance Agent
A high review count often reflects broad customer trust and proven service reliability, which is common for established agencies like State Farm.
When choosing an insurance agent in Oldsmar, consider both the breadth of policy options and the agent's local responsiveness — reading recent reviews can help gauge service quality beyond just price.
Local Market Snapshot
11
Businesses listed
4.4★
Avg rating
53
Avg reviews
Jul 4, 2026
Last updated
Top Rated Insurance Agents
5.0★ from 174 Google reviews, making this Oldsmar insurance agent exceptionally trusted.
14502 N Dale Mabry Hwy Suite 200, Tampa, FL 33618, USAOldsmar insurance agent with a 4.8-star rating from over 150 reviews.
1527 Dale Mabry Hwy STE 100, Lutz, FL 33548, USA5.0 stars from 25 reviews, reflecting exceptional client satisfaction in Oldsmar.
327 Lake Placid Ct, Oldsmar, FL 34677, USAInsurance Agents Rankings in Oldsmar, FL
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Steve Turner Insurance Specialist14502 N Dale Mabry Hwy Suite 200, Tampa, FL 33618, USA | 5.0★ | 174 |
| #2 | Brightway Insurance - The Lutz Agency1527 Dale Mabry Hwy STE 100, Lutz, FL 33548, USA | 4.8★ | 155 |
| #3 | Freddy Alfaro-Aprendiendo de Seguros327 Lake Placid Ct, Oldsmar, FL 34677, USA | 5.0★ | 25 |
| #4 | Supreme Public Adjusters INC109 Nina Way ste 109, Oldsmar, FL 34677, USA | 5.0★ | 23 |
| #5 | STAR NSURANCE180 N Race Track Rd, Oldsmar, FL 34677, USA | 5.0★ | 2 |
| #6 | Progressive Insurance - Claims Office1785 Northpointe Pkwy Ste 100, Lutz, FL 33558, USA | 3.3★ | 106 |
| #7 | Stephen Belau - State Farm Insurance Agent3730 Tampa Rd #2, Oldsmar, FL 34677, USA | 5.0★ | 22 |
| #8 | Stahl & Associates Insurance3939 Tampa Rd #1, Oldsmar, FL 34677, USA | 4.1★ | 9 |
| #9 | Barber Agency, Inc.3902 Tampa Rd, Oldsmar, FL 34677, USA | 4.1★ | 8 |
| #10 | Hospitality Insurance Agency4025 Tampa Rd, Oldsmar, FL 34677, USA | 3.0★ | 2 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Insurance Agents in Oldsmar
Rated 5.0 stars from 23 Google reviews, this Oldsmar insurance agent is highly trusted.
109 Nina Way ste 109, Oldsmar, FL 34677, USA
Exceptional 5.0-star rating from 2 Google reviews for insurance in Oldsmar.
180 N Race Track Rd, Oldsmar, FL 34677, USA
A 3.3-star rating from over 100 Google reviews indicates mixed customer experiences.
1785 Northpointe Pkwy Ste 100, Lutz, FL 33558, USA
Top-rated 5.0-star insurance agent in Oldsmar with over 20 glowing reviews.
3730 Tampa Rd #2, Oldsmar, FL 34677, USA
4.1 stars from 9 reviews, reflecting solid local reputation for insurance needs.
3939 Tampa Rd #1, Oldsmar, FL 34677, USA
Shoppers note a solid 4.1-star rating from 8 Google reviews for this local insurance agent.
3902 Tampa Rd, Oldsmar, FL 34677, USA
Holds a 3.0-star rating based on 2 Google reviews.
4025 Tampa Rd, Oldsmar, FL 34677, USA
This local insurance agent has no online reviews yet to help guide your choice.
650 Burbank Rd, Oldsmar, FL 34677, USA
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Insurance Agents in Oldsmar, FL — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Steve Turner Insurance Specialist | 86/100 | 5.0 ★ | 174 |
| 2 | Brightway Insurance - The Lutz Agency | 82/100 | 4.8 ★ | 155 |
| 3 | Freddy Alfaro-Aprendiendo de Seguros | 76/100 | 5.0 ★ | 25 |
| 4 | Supreme Public Adjusters INC | 76/100 | 5.0 ★ | 23 |
| 5 | STAR NSURANCE | 64/100 | 5.0 ★ | 2 |
| 6 | Progressive Insurance - Claims Office | 55/100 | 3.3 ★ | 106 |
| 7 | Stephen Belau - State Farm Insurance Agent | 75/100 | 5.0 ★ | 22 |
| 8 | Stahl & Associates Insurance | 56/100 | 4.1 ★ | 9 |
| 9 | Barber Agency, Inc. | 55/100 | 4.1 ★ | 8 |
| 10 | Hospitality Insurance Agency | 30/100 | 3.0 ★ | 2 |
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 Oldsmar
What is the difference between a captive and independent insurance agent in Oldsmar?
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 Oldsmar 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 Oldsmar?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Oldsmar 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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