Pricing Guide · Palm Coast
Insurance Agents Cost in Palm Coast, FL — 2026 Price Guide
What should you pay for insurance agents in Palm Coast? See real 2026 price ranges from local pros and get free quotes to compare.
As of May 2026, RatingsNearMe ranks 20 insurance agents in Palm Coast, FL by verified customer ratings and review volume. The highest-rated is Angel Hall - State Farm Insurance Agent with a 4.9-star rating from 547 verified reviews. 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 May 17, 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
123
Avg reviews
May 17, 2026
Last updated
Top Rated Insurance Agents
Angel Hall - State Farm Insurance Agent
800 Belle Terre Pkwy Suite 114, Palm Coast, FL 32164, USA
O'Quinn Insurance Services
1499 Palm Coast Pkwy NW Ste F, Palm Coast, FL 32137, USA
Turner Insurance
389 Palm Coast Pkwy SW Suite 3-R, Palm Coast, FL 32137, USA
Insurance 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 | Integrity Insurance Group of Florida5182 N Ocean Shore Blvd unit c, Palm Coast, FL 32137, USA | 5.0★ | 155 |
| #5 | Coastal Palm Insurance Company2 Pine Lakes Pkwy #6, Palm Coast, FL 32137, USA | 4.9★ | 109 |
| #6 | Heart of Florida Insurance Group21 Old Kings Rd N B102, Palm Coast, FL 32137, USA | 4.9★ | 106 |
| #7 | The Berk Insurance Agency17 Old Kings Rd suite r, Palm Coast, FL 32137, USA | 4.9★ | 141 |
| #8 | Brightway Insurance, The Flagler Agency55 Plaza Dr #5, Palm Coast, FL 32137, USA | 4.9★ | 94 |
| #9 | GreatFlorida Insurance: James Cimorelli160 Cypress Point Pkwy C-102, Palm Coast, FL 32164, USA | 5.0★ | 36 |
| #10 | Tilton & Unger Insurance3 Cypress Branch Way #101, Palm Coast, FL 32164, USA | 4.6★ | 199 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Insurance Agents in Palm Coast
Integrity Insurance Group of Florida
5182 N Ocean Shore Blvd unit c, Palm Coast, FL 32137, USA
Coastal Palm Insurance Company
2 Pine Lakes Pkwy #6, Palm Coast, FL 32137, USA
Heart of Florida Insurance Group
21 Old Kings Rd N B102, Palm Coast, FL 32137, USA
The Berk Insurance Agency
17 Old Kings Rd suite r, Palm Coast, FL 32137, USA
Brightway Insurance, The Flagler Agency
55 Plaza Dr #5, Palm Coast, FL 32137, USA
GreatFlorida Insurance: James Cimorelli
160 Cypress Point Pkwy C-102, Palm Coast, FL 32164, USA
Tilton & Unger Insurance
3 Cypress Branch Way #101, Palm Coast, FL 32164, USA
East Coast Insurors, Inc
4845 Belle Terre Pkwy, Palm Coast, FL 32164, USA
Insurance Office of America
1 Hargrove Grde Building B, Suite 3, Palm Coast, FL 32137, USA
Moore Insurance Agency
2729 E Moody Blvd #105, Bunnell, FL 32110, USA
Rob Watkins - HealthMarkets Insurance Agent
12 Roxton Ln, Palm Coast, FL 32164, USA
Flagler County Insurance Agency
12 Office Park Dr, Palm Coast, FL 32137, USA
Ryan Larmann - State Farm Insurance Agent
399 Palm Coast Pkwy SW Suite 3, Palm Coast, FL 32137, USA
King Risk Partners
4861 Palm Coast Pkwy NW Suite 4, Palm Coast, FL 32137, USA
Absolute Risk Services
25 Old Kings Rd N Unit 5B, Palm Coast, FL 32137, USA
Santos Group - All Insurance
25 Palm Harbor Village Way W STE 5A, Palm Coast, FL 32137, USA
Agent's Choice Title, LLC
5 Utility Dr #17, Palm Coast, FL 32137, USA
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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: May 17, 2026.
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