Verified · Palm Harbor
Trusted Insurance Agents in Palm Harbor, FL
Trust matters when you're inviting a pro into your home or business. These insurance agents in Palm Harbor have earned it through hundreds of verified reviews.
As of July 2026, RatingsNearMe ranks 19 insurance agents in Palm Harbor, FL by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Coleman Insurance Agency with a 4.9-star rating from 414 Google reviews and an RNM Score of 98/100. 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 July 4, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
Reliant Insurance Services
Reliant Insurance Services stands out as the top-ranked agent due to its strong reputation and consistent high ratings in the Palm Harbor area.
Most Reviewed
Freeway Insurance
A high review count indicates broad customer experience and trust, helping consumers gauge reliability and service consistency.
When choosing an insurance agent in Palm Harbor, compare quotes from multiple top-ranked agencies and read recent reviews to ensure the agent meets your specific coverage needs. Local agents often provide more personalized service and knowledge of Florida-specific insurance requirements.
Local Market Snapshot
19
Businesses listed
4.9★
Avg rating
153
Avg reviews
Jul 4, 2026
Last updated
Top Rated Insurance Agents
Trusted by hundreds of local clients with a near-perfect 4.9-star average rating.
4831 Ruen Dr Suite 200, Palm Harbor, FL 34685, USAHundreds of reviews give this Palm Harbor agent an exceptional 4.9-star rating.
3031 E Lake Rd S, Palm Harbor, FL 34685, USA5.0 stars from over 250 Google reviews, reflecting exceptional local service.
3033 Ridgeline Blvd b2, Tarpon Springs, FL 34688, USAInsurance 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 | Michael Tow: Allstate Insurance33920 US Hwy 19 N Ste 285, Palm Harbor, FL 34684, USA | 4.7★ | 39 |
| #5 | Edgewater Insurance Inc30522 US Hwy 19 N #107-Q, Palm Harbor, FL 34684, USA | 5.0★ | 17 |
| #6 | Taurus Insurance Professionals1440 Palm Harbor Blvd, Palm Harbor, FL 34683, USA | 5.0★ | 10 |
| #7 | AAA Palm Harbor33227 US Hwy 19 N, Palm Harbor, FL 34684, USA | 4.3★ | 309 |
| #8 | Hawk Insurance Group31087 US Hwy 19 N, Palm Harbor, FL 34684, USA | 4.9★ | 66 |
| #9 | Pam Leonard-Williams - State Farm Insurance Agent1410 US-19 ALT C, Palm Harbor, FL 34683, USA | 5.0★ | 87 |
| #10 | Anclote Insurance Agency LLC536 E Tarpon Ave # 1B, Tarpon Springs, FL 34689, USA | 4.8★ | 144 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Insurance Agents in Palm Harbor
4.7 stars from 39 Google reviews, reflecting consistent client satisfaction.
33920 US Hwy 19 N Ste 285, Palm Harbor, FL 34684, USA
Exceptional 5.0-star rating from 17 reviews for a Palm Harbor insurance agent.
30522 US Hwy 19 N #107-Q, Palm Harbor, FL 34684, USA
Exceptional 5.0-star rating from 10 Google reviews for this Palm Harbor insurance agent.
1440 Palm Harbor Blvd, Palm Harbor, FL 34683, USA
Trusted by hundreds of local clients with a consistent 4.3-star average rating.
33227 US Hwy 19 N, Palm Harbor, FL 34684, USA
4.9-star rating from 66 reviews reflects exceptional local client satisfaction.
31087 US Hwy 19 N, Palm Harbor, FL 34684, USA
Top-rated 5.0-star insurance agent in Palm Harbor from 87 Google reviews.
1410 US-19 ALT C, Palm Harbor, FL 34683, USA
Trusted by hundreds of local clients, this agent maintains a stellar 4.8-star rating.
536 E Tarpon Ave # 1B, Tarpon Springs, FL 34689, USA
Shoppers consistently rate this Palm Harbor agent 5.0 stars across nearly 250 reviews.
127 Forest Lakes Blvd Ste 5, Oldsmar, FL 34677, USA
4.8-star rating from 28 reviews highlights consistent, top-quality insurance service in Palm Harbor.
3382 Tampa Rd, Palm Harbor, FL 34684, USA
Trusted local insurance agent with 4.7 stars from 13 Google reviews.
32756 US Hwy 19 N, Palm Harbor, FL 34684, USA
5.0-star rating from customers highlights exceptional local service.
31055 US Hwy 19 N, Palm Harbor, FL 34684, USA
Palm Harbor insurance agent with a perfect 5.0-star rating from 35 reviews.
30832 US Hwy 19 N, Palm Harbor, FL 34684, USA
Trusted by hundreds of local clients, this agent holds a stellar 4.9-star rating.
34921 US Hwy 19 N #201, Palm Harbor, FL 34684, USA
Trusted by hundreds of local clients, this Palm Harbor agent holds a 4.9-star rating.
2138 US-19 ALT #2-A, Palm Harbor, FL 34683, USA
Trusted by hundreds of local clients, with a strong 4.7-star average rating.
30604 US Hwy 19 N, Palm Harbor, FL 34684, USA
Trusted by locals with a 4.9★ rating from over 150 Google reviews.
31962 US Hwy 19 N, Palm Harbor, FL 34684, USA
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Insurance Agents in Palm Harbor, FL — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Coleman Insurance Agency | 98/100 | 4.9 ★ | 414 |
| 2 | Lizette Cochran - State Farm Insurance Agent | 98/100 | 4.9 ★ | 334 |
| 3 | East Lake Insurance & Taxes Tarpon Springs | 100/100 | 5.0 ★ | 251 |
| 4 | Michael Tow: Allstate Insurance | 85/100 | 4.7 ★ | 39 |
| 5 | Edgewater Insurance Inc | 86/100 | 5.0 ★ | 17 |
| 6 | Taurus Insurance Professionals | 83/100 | 5.0 ★ | 10 |
| 7 | AAA Palm Harbor | 80/100 | 4.3 ★ | 309 |
| 8 | Hawk Insurance Group | 91/100 | 4.9 ★ | 66 |
| 9 | Pam Leonard-Williams - State Farm Insurance Agent | 94/100 | 5.0 ★ | 87 |
| 10 | Anclote Insurance Agency LLC | 94/100 | 4.8 ★ | 144 |
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 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: July 4, 2026.
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