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Insurance Agents in Ponte Vedra Beach, FL — Free Estimates
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As of June 2026, RatingsNearMe ranks 20 insurance agents in Ponte Vedra Beach, FL by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Brightway Insurance, Ponte Vedra Beach with a 4.9-star rating from 1,075 Google reviews and an RNM Score of 87/100. Also in the top tier: Jonathan Gibbs - State Farm Insurance Agent and Locke Insurance Group, Inc.. The average rating across all listed insurance agents in Ponte Vedra Beach is 4.8 stars from 151 reviews per business on average.
Insurance in Ponte Vedra Beach: agents are typically paid by commission (5–15% of premium) — no cost to you to compare quotes.
Rankings updated June 10, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
How to Choose a Insurance Agent in Ponte Vedra Beach
What to look for
- • Local expertise and knowledge of the Ponte Vedra Beach area
- • Years of experience as an insurance agent
- • Positive reviews and recommendations from other local residents
- • Ability to explain insurance policies and coverage options clearly
Questions to ask
- • How long have you been an insurance agent serving the Ponte Vedra Beach area?
- • What types of insurance policies do you specialize in?
- • Can you provide references from satisfied local clients?
Red flags
- ⚠ Unwillingness to provide references or client testimonials
- ⚠ Lack of familiarity with the unique insurance needs of Ponte Vedra Beach residents
- ⚠ High-pressure sales tactics or aggressive upselling
In Florida, insurance agents must be licensed by the state's Department of Financial Services. Be sure to verify an agent's license and check for any disciplinary actions or complaints.
Local Market Snapshot
20
Businesses listed
4.8★
Avg rating
151
Avg reviews
Jun 10, 2026
Last updated
Top Rated Insurance Agents
Ponte Vedra Beach insurance agent with a 4.9-star rating from over 1,000 reviews.
111 Solana Rd, Ponte Vedra Beach, FL 32082, USATop-rated insurance agent in Ponte Vedra Beach with a perfect 5.0★ from hundreds of reviews.
340 Town Plaza Ave STE 250, Ponte Vedra Beach, FL 32081, USATrusted by hundreds of local clients, this agent holds a rare 4.9★ rating.
822 A1A N #310a, Ponte Vedra Beach, FL 32082, USAInsurance Agents Rankings in Ponte Vedra Beach, FL
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Brightway Insurance, Ponte Vedra Beach111 Solana Rd, Ponte Vedra Beach, FL 32082, USA | 4.9★ | 1,075 |
| #2 | Jonathan Gibbs - State Farm Insurance Agent340 Town Plaza Ave STE 250, Ponte Vedra Beach, FL 32081, USA | 5.0★ | 514 |
| #3 | Locke Insurance Group, Inc.822 A1A N #310a, Ponte Vedra Beach, FL 32082, USA | 4.9★ | 353 |
| #4 | Carly Jackson - State Farm Insurance Agent238 Canal Blvd STE 4, Ponte Vedra Beach, FL 32082, USA | 5.0★ | 45 |
| #5 | Edie Williams - State Farm Insurance Agent330 A1A N Ste 324, Ponte Vedra Beach, FL 32082, USA | 4.8★ | 341 |
| #6 | Anderson Agency Insurance820 A1A N w11, Ponte Vedra Beach, FL 32082, USA | 5.0★ | 218 |
| #7 | First Beaches Insurance1617 Beach Blvd, Jacksonville Beach, FL 32250, USA | 5.0★ | 146 |
| #8 | Moran Insurance183 Landrum Ln STE 101, Ponte Vedra Beach, FL 32082, USA | 5.0★ | 132 |
| #9 | AAA Ponte Vedra840 Jimmy Buffett Mem Hwy Suite 180, Ponte Vedra Beach, FL 32082, USA | 4.2★ | 61 |
| #10 | Peter Merlini Insurance422 Jacksonville Dr, Jacksonville Beach, FL 32250, USA | 5.0★ | 9 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Insurance Agents in Ponte Vedra Beach
5.0-star rating from 45 reviews for a trusted Ponte Vedra Beach insurance agent.
238 Canal Blvd STE 4, Ponte Vedra Beach, FL 32082, USA
Trusted by hundreds of local clients, this agent holds a stellar 4.8-star rating.
330 A1A N Ste 324, Ponte Vedra Beach, FL 32082, USA
Exceptional 5.0-star rating from over 200 Google reviews in Ponte Vedra Beach.
820 A1A N w11, Ponte Vedra Beach, FL 32082, USA
Exceptional 5.0-star rating from over 140 Google reviews.
1617 Beach Blvd, Jacksonville Beach, FL 32250, USA
5.0-star insurance agent in Ponte Vedra Beach, trusted by over 130 local clients.
183 Landrum Ln STE 101, Ponte Vedra Beach, FL 32082, USA
4.2 stars from 61 reviews, reflecting solid customer satisfaction for local insurance needs.
840 Jimmy Buffett Mem Hwy Suite 180, Ponte Vedra Beach, FL 32082, USA
Rated 5.0 stars from 9 Google reviews, this local insurance agent is highly trusted.
422 Jacksonville Dr, Jacksonville Beach, FL 32250, USA
Rated 5.0 stars from 6 Google reviews, this local insurance agent is highly recommended.
90 Fort Wade Rd Suite 100, Ponte Vedra Beach, FL 32081, USA
5.0 stars from 4 Google reviews for this Ponte Vedra Beach insurance agent.
6000A Sawgrass Village Cir Unit 9, Ponte Vedra Beach, FL 32082, USA
4.3 stars from 3 Google reviews for a local insurance agent.
105 Solana Rd STE C, Ponte Vedra Beach, FL 32082, USA
5.0-star rating from a handful of Google reviews in Ponte Vedra Beach.
101 Marketside Avenue #404-299, Ponte Vedra Beach, FL 32081, USA
Rated 5.0 stars from a small number of glowing Google reviews.
100 Corridor Rd #260, Ponte Vedra Beach, FL 32082, USA
Rated 5.0 stars from 27 Google reviews, this Ponte Vedra Beach insurance agent is highly trusted.
10033 Sawgrass Dr W Ste 124, Ponte Vedra Beach, FL 32082, USA
Ponte Vedra Beach insurance agent with a flawless 5.0-star rating from 27 reviews.
822 A1A N suit #310, Ponte Vedra Beach, FL 32082, USA
A Ponte Vedra Beach insurance agent with 3.5 stars from 8 Google reviews.
2109 Sawgrass Village Dr, Ponte Vedra Beach, FL 32082, USA
Exceptional 5.0-star rating based on initial client reviews in Ponte Vedra Beach.
816 A1A N, Ponte Vedra Beach, FL 32082, USA
55 Google reviews give this Ponte Vedra Beach insurance agent a 3.7-star rating.
115 Solana Rd A, Ponte Vedra Beach, FL 32082, USA
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Insurance Agents in Ponte Vedra Beach, FL — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Brightway Insurance, Ponte Vedra Beach | 87/100 | 4.9 ★ | 1,075 |
| 2 | Jonathan Gibbs - State Farm Insurance Agent | 88/100 | 5.0 ★ | 514 |
| 3 | Locke Insurance Group, Inc. | 87/100 | 4.9 ★ | 353 |
| 4 | Carly Jackson - State Farm Insurance Agent | 79/100 | 5.0 ★ | 45 |
| 5 | Edie Williams - State Farm Insurance Agent | 85/100 | 4.8 ★ | 341 |
| 6 | Anderson Agency Insurance | 88/100 | 5.0 ★ | 218 |
| 7 | First Beaches Insurance | 85/100 | 5.0 ★ | 146 |
| 8 | Moran Insurance | 85/100 | 5.0 ★ | 132 |
| 9 | AAA Ponte Vedra | 67/100 | 4.2 ★ | 61 |
| 10 | Peter Merlini Insurance | 71/100 | 5.0 ★ | 9 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · June 2026
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Frequently Asked Questions — Insurance Agents in Ponte Vedra Beach
What is the difference between a captive and independent insurance agent in Ponte Vedra Beach?
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 Ponte Vedra Beach 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 Ponte Vedra Beach?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Ponte Vedra Beach 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: June 10, 2026.
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