Verified · Phoenix
Trusted Insurance Agents in Phoenix, AZ
Trust matters when you're inviting a pro into your home or business. These insurance agents in Phoenix have earned it through hundreds of verified reviews.
As of May 2026, RatingsNearMe ranks 16 insurance agents in Phoenix, AZ by verified customer ratings and review volume. The highest-rated is Acceptance Insurance with a 4.9-star rating from 1,054 verified reviews. Also in the top tier: Freeway Insurance and Insurance Brokers of Arizona. The average rating across all listed insurance agents in Phoenix is 4.7 stars from 435 reviews per business on average.
Insurance in Phoenix: 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
16
Businesses listed
4.7★
Avg rating
435
Avg reviews
May 17, 2026
Last updated
Top Rated Insurance Agents
Acceptance Insurance
2929 N 75th Ave # 14, Phoenix, AZ 85033, USA
Freeway Insurance
1330 W Indian School Rd, Phoenix, AZ 85013, USA
Insurance Brokers of Arizona
690 E Warner Rd Ste 108, Gilbert, AZ 85296, USA
Insurance Agents Rankings in Phoenix, AZ
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Acceptance Insurance2929 N 75th Ave # 14, Phoenix, AZ 85033, USA | 4.9★ | 1,054 |
| #2 | Freeway Insurance1330 W Indian School Rd, Phoenix, AZ 85013, USA | 4.9★ | 1,032 |
| #3 | Insurance Brokers of Arizona690 E Warner Rd Ste 108, Gilbert, AZ 85296, USA | 4.9★ | 2,233 |
| #4 | Arizona Preferred Insurance1940 E Camelback Rd # 204, Phoenix, AZ 85016, USA | 4.8★ | 466 |
| #5 | Actance Affordable Insurance Agency - Phoenix AZ2390 E Camelback Rd #306, Phoenix, AZ 85016, USA | 5.0★ | 5 |
| #6 | State insurance Agent Phoenix546 E Willetta St, Phoenix, AZ 85004, USA | 3.6★ | 30 |
| #7 | Progressive PhoenixE Jefferson St, Phoenix, AZ 85003, USA | 3.7★ | 3 |
| #8 | T D INSURANCE4020 N 20th St #105, Phoenix, AZ 85016, USA | 4.9★ | 93 |
| #9 | Crown Insurance2432 W Peoria Ave suite 1072, Phoenix, AZ 85029, USA | 4.9★ | 400 |
| #10 | Rate Crushers Insurance Brokers Arizona20 E Thomas Rd, Phoenix, AZ 85012, USA | 4.3★ | 13 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Insurance Agents in Phoenix
Arizona Preferred Insurance
1940 E Camelback Rd # 204, Phoenix, AZ 85016, USA
Actance Affordable Insurance Agency - Phoenix AZ
2390 E Camelback Rd #306, Phoenix, AZ 85016, USA
State insurance Agent Phoenix
546 E Willetta St, Phoenix, AZ 85004, USA
Crown Insurance
2432 W Peoria Ave suite 1072, Phoenix, AZ 85029, USA
Rate Crushers Insurance Brokers Arizona
20 E Thomas Rd, Phoenix, AZ 85012, USA
Arizona Agency: Allstate Insurance
2200 E Camelback Rd #218, Phoenix, AZ 85016, USA
Touchdown Insurance
11022 S 51st St #205, Phoenix, AZ 85044, USA
Phoenix Health Insurance
20823 N Cave Creek Rd Building B Suite 101, Phoenix, AZ 85024, USA
Lumenasa Insurance Agency LLC
4742 N 24th St suite 355, Phoenix, AZ 85016, USA
Ray Johnson - Insurance Agency
2415 E Camelback Rd 700 Suite A, Phoenix, AZ 85016, USA
AZ Health Insurance Brokers
11225 N 28th Dr B246, Phoenix, AZ 85029, USA
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Frequently Asked Questions — Insurance Agents in Phoenix
What is the difference between a captive and independent insurance agent in Phoenix?
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 AZ?
Search the AZ Department of Insurance's online license lookup — Google "AZ 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 AZ must be licensed with the state.
How much does working with a local insurance agent in Phoenix 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 Phoenix?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Phoenix 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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