Low Cost · Palm Coast
Cheap Insurance Agents in Palm Coast, FL — Best Prices
Compare insurance agents prices in Palm Coast to find the best deal. All businesses are reviewed — cheap doesn't mean low quality.
As of July 2026, RatingsNearMe ranks 20 insurance agents in Palm Coast, FL by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Angel Hall - State Farm Insurance Agent with a 4.9-star rating from 547 Google reviews and an RNM Score of 87/100. Also in the top tier: O'Quinn Insurance Services and Turner Insurance. The average rating across all listed insurance agents in Palm Coast is 4.9 stars from 123 reviews per business on average.
Insurance in Palm Coast: 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
Santos Group - All Insurance
Santos Group is recognized as a top-ranked agency for its comprehensive coverage options and strong local reputation in Palm Coast.
Most Reviewed
Ryan Larmann - State Farm Insurance Agent
A high review count indicates broad customer experience and trust, helping consumers gauge service reliability.
Compare quotes from multiple agents to find the best coverage and rates, and check online reviews to assess customer service responsiveness.
Local Market Snapshot
20
Businesses listed
4.9★
Avg rating
123
Avg reviews
Jul 4, 2026
Last updated
Top Rated Insurance Agents
4.9-star rating from over 500 Google reviews in Palm Coast.
800 Belle Terre Pkwy Suite 114, Palm Coast, FL 32164, USATrusted by hundreds of locals with a perfect 5.0-star rating from 249 reviews.
1499 Palm Coast Pkwy NW Ste F, Palm Coast, FL 32137, USAPalm Coast insurance agent with a perfect 5.0-star rating from over 200 reviews.
389 Palm Coast Pkwy SW Suite 3-R, Palm Coast, FL 32137, USAInsurance Agents Rankings in Palm Coast, FL
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Angel Hall - State Farm Insurance Agent800 Belle Terre Pkwy Suite 114, Palm Coast, FL 32164, USA | 4.9★ | 547 |
| #2 | O'Quinn Insurance Services1499 Palm Coast Pkwy NW Ste F, Palm Coast, FL 32137, USA | 5.0★ | 249 |
| #3 | Turner Insurance389 Palm Coast Pkwy SW Suite 3-R, Palm Coast, FL 32137, USA | 5.0★ | 205 |
| #4 | East Coast Insurors, Inc4845 Belle Terre Pkwy, Palm Coast, FL 32164, USA | 5.0★ | 24 |
| #5 | GreatFlorida Insurance: James Cimorelli160 Cypress Point Pkwy C-102, Palm Coast, FL 32164, USA | 5.0★ | 36 |
| #6 | Tilton & Unger Insurance3 Cypress Branch Way #101, Palm Coast, FL 32164, USA | 4.6★ | 199 |
| #7 | Integrity Insurance Group of Florida5182 N Ocean Shore Blvd unit c, Palm Coast, FL 32137, USA | 5.0★ | 155 |
| #8 | The Berk Insurance Agency17 Old Kings Rd suite r, Palm Coast, FL 32137, USA | 4.9★ | 141 |
| #9 | Coastal Palm Insurance Company2 Pine Lakes Pkwy #6, Palm Coast, FL 32137, USA | 4.9★ | 109 |
| #10 | Heart of Florida Insurance Group21 Old Kings Rd N B102, Palm Coast, FL 32137, USA | 4.9★ | 106 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Insurance Agents in Palm Coast
5.0-star rating from 24 Google reviews highlights trusted, top-rated local insurance service.
4845 Belle Terre Pkwy, Palm Coast, FL 32164, USA
5.0-star rating from 36 Google reviews for trusted local insurance guidance.
160 Cypress Point Pkwy C-102, Palm Coast, FL 32164, USA
Praised by hundreds of local clients with a strong 4.6-star rating.
3 Cypress Branch Way #101, Palm Coast, FL 32164, USA
Trusted by hundreds of local clients with a flawless 5.0-star rating.
5182 N Ocean Shore Blvd unit c, Palm Coast, FL 32137, USA
Trusted by 141 locals with a stellar 4.9-star rating.
17 Old Kings Rd suite r, Palm Coast, FL 32137, USA
Trusted by hundreds locally, this Palm Coast agent holds a stellar 4.9-star rating.
2 Pine Lakes Pkwy #6, Palm Coast, FL 32137, USA
Palm Coast insurance agent with a 4.9-star rating from over 100 Google reviews.
21 Old Kings Rd N B102, Palm Coast, FL 32137, USA
4.3 stars from 10 reviews, reflecting solid local reputation in Palm Coast.
12 Office Park Dr, Palm Coast, FL 32137, USA
4.9 stars from nearly 100 reviews, reflecting exceptional local client satisfaction.
55 Plaza Dr #5, Palm Coast, FL 32137, USA
4.9 stars from 51 reviews, reflecting exceptional client trust and service.
25 Palm Harbor Village Way W STE 5A, Palm Coast, FL 32137, USA
Praised by clients with a strong 4.5-star average across nearly 50 reviews.
4861 Palm Coast Pkwy NW Suite 4, Palm Coast, FL 32137, USA
Trusted by locals with a 4.9-star rating from nearly 180 reviews.
1 Hargrove Grde Building B, Suite 3, Palm Coast, FL 32137, USA
Trusted by hundreds of local clients with a flawless 4.9-star average rating.
2729 E Moody Blvd #105, Bunnell, FL 32110, USA
4.8-star rating from 65 Google reviews for this Palm Coast insurance agent.
5 Utility Dr #17, Palm Coast, FL 32137, USA
Palm Coast insurance agent with a 4.9-star rating from 41 customer reviews.
25 Old Kings Rd N Unit 5B, Palm Coast, FL 32137, USA
5.0 stars from 17 reviews, reflecting exceptional local client satisfaction.
399 Palm Coast Pkwy SW Suite 3, Palm Coast, FL 32137, USA
72 Google reviews average a perfect 5.0 stars for this Palm Coast insurance agent.
12 Roxton Ln, Palm Coast, FL 32164, USA
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Insurance Agents in Palm Coast, FL — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Angel Hall - State Farm Insurance Agent | 87/100 | 4.9 ★ | 547 |
| 2 | O'Quinn Insurance Services | 88/100 | 5.0 ★ | 249 |
| 3 | Turner Insurance | 87/100 | 5.0 ★ | 205 |
| 4 | East Coast Insurors, Inc | 76/100 | 5.0 ★ | 24 |
| 5 | GreatFlorida Insurance: James Cimorelli | 78/100 | 5.0 ★ | 36 |
| 6 | Tilton & Unger Insurance | 80/100 | 4.6 ★ | 199 |
| 7 | Integrity Insurance Group of Florida | 86/100 | 5.0 ★ | 155 |
| 8 | The Berk Insurance Agency | 84/100 | 4.9 ★ | 141 |
| 9 | Coastal Palm Insurance Company | 82/100 | 4.9 ★ | 109 |
| 10 | Heart of Florida Insurance Group | 82/100 | 4.9 ★ | 106 |
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 Palm Coast
What is the difference between a captive and independent insurance agent in Palm Coast?
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 Palm Coast 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 Palm Coast?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Palm Coast 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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