Top Picks · Palm Harbor
Best Insurance Agents in Palm Harbor, FL
Rated and reviewed by real customers. Compare prices, read reviews, and call the top pros near you — for free.
As of May 2026, RatingsNearMe ranks 19 insurance agents in Palm Harbor, FL by verified customer ratings and review volume. The highest-rated is Coleman Insurance Agency with a 4.9-star rating from 414 verified reviews. Also in the top tier: Lizette Cochran - State Farm Insurance Agent and East Lake Insurance & Taxes Tarpon Springs. The average rating across all listed insurance agents in Palm Harbor is 4.9 stars from 153 reviews per business on average.
Insurance in Palm Harbor: 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
19
Businesses listed
4.9★
Avg rating
153
Avg reviews
May 17, 2026
Last updated
Top Rated Insurance Agents
Coleman Insurance Agency
4831 Ruen Dr Suite 200, Palm Harbor, FL 34685, USA
Lizette Cochran - State Farm Insurance Agent
3031 E Lake Rd S, Palm Harbor, FL 34685, USA
East Lake Insurance & Taxes Tarpon Springs
3033 Ridgeline Blvd b2, Tarpon Springs, FL 34688, USA
Insurance Agents Rankings in Palm Harbor, FL
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Coleman Insurance Agency4831 Ruen Dr Suite 200, Palm Harbor, FL 34685, USA | 4.9★ | 414 |
| #2 | Lizette Cochran - State Farm Insurance Agent3031 E Lake Rd S, Palm Harbor, FL 34685, USA | 4.9★ | 334 |
| #3 | East Lake Insurance & Taxes Tarpon Springs3033 Ridgeline Blvd b2, Tarpon Springs, FL 34688, USA | 5.0★ | 251 |
| #4 | Whitco Insurance Agency Palm Harbor 👍30832 US Hwy 19 N, Palm Harbor, FL 34684, USA | 5.0★ | 35 |
| #5 | Reliant Insurance Services34921 US Hwy 19 N #201, Palm Harbor, FL 34684, USA | 4.9★ | 382 |
| #6 | Direct Auto Insurance30604 US Hwy 19 N, Palm Harbor, FL 34684, USA | 4.7★ | 252 |
| #7 | Estrella Insurance31055 US Hwy 19 N, Palm Harbor, FL 34684, USA | 5.0★ | 1 |
| #8 | Royal Insurance, Inc.32756 US Hwy 19 N, Palm Harbor, FL 34684, USA | 4.7★ | 13 |
| #9 | Brightway Insurance, The Harrington Agency31962 US Hwy 19 N, Palm Harbor, FL 34684, USA | 4.9★ | 150 |
| #10 | Michael Tow: Allstate Insurance33920 US Hwy 19 N Ste 285, Palm Harbor, FL 34684, USA | 4.7★ | 39 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Insurance Agents in Palm Harbor
Whitco Insurance Agency Palm Harbor 👍
30832 US Hwy 19 N, Palm Harbor, FL 34684, USA
Reliant Insurance Services
34921 US Hwy 19 N #201, Palm Harbor, FL 34684, USA
Direct Auto Insurance
30604 US Hwy 19 N, Palm Harbor, FL 34684, USA
Brightway Insurance, The Harrington Agency
31962 US Hwy 19 N, Palm Harbor, FL 34684, USA
Michael Tow: Allstate Insurance
33920 US Hwy 19 N Ste 285, Palm Harbor, FL 34684, USA
Edgewater Insurance Inc
30522 US Hwy 19 N #107-Q, Palm Harbor, FL 34684, USA
Pam Leonard-Williams - State Farm Insurance Agent
1410 US-19 ALT C, Palm Harbor, FL 34683, USA
Hawk Insurance Group
31087 US Hwy 19 N, Palm Harbor, FL 34684, USA
Gregg Schindler - State Farm Insurance Agent
2138 US-19 ALT #2-A, Palm Harbor, FL 34683, USA
Taurus Insurance Professionals
1440 Palm Harbor Blvd, Palm Harbor, FL 34683, USA
Anclote Insurance Agency LLC
536 E Tarpon Ave # 1B, Tarpon Springs, FL 34689, USA
Freeway Insurance
127 Forest Lakes Blvd Ste 5, Oldsmar, FL 34677, USA
GreatFlorida Insurance: Jim Sullivan
3382 Tampa Rd, Palm Harbor, FL 34684, USA
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Frequently Asked Questions — Insurance Agents in Palm Harbor
What is the difference between a captive and independent insurance agent in Palm Harbor?
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 Harbor 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 Harbor?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Palm Harbor 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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