Pricing Guide · Richmond
Insurance Agents Cost in Richmond, CA — 2026 Price Guide
What should you pay for insurance agents in Richmond? See real 2026 price ranges from local pros and get free quotes to compare.
As of July 2026, RatingsNearMe ranks 19 insurance agents in Richmond, CA by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Cost-U-Less Insurance with a 4.9-star rating from 448 Google reviews and an RNM Score of 87/100. Also in the top tier: Fiesta Auto Insurance & Tax Service and Futuro Insurance Services Richmond. The average rating across all listed insurance agents in Richmond is 4.4 stars from 43 reviews per business on average.
Insurance in Richmond: 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
Cost-U-Less Insurance
Cost-U-Less Insurance stands out as the top-ranked agent due to its high customer satisfaction and strong local reputation in Richmond.
Most Reviewed
Cost-U-Less Insurance
A higher number of reviews indicates greater customer engagement and trust, helping you gauge reliable service.
When choosing an insurance agent in Richmond, compare quotes from multiple agencies and check recent reviews to ensure you get the best coverage and rates for your needs.
Local Market Snapshot
19
Businesses listed
4.4★
Avg rating
43
Avg reviews
Jul 4, 2026
Last updated
Top Rated Insurance Agents
Trusted by hundreds of local clients with a near-perfect 4.9-star rating.
11100 San Pablo Ave #110, El Cerrito, CA 94530, USAA trusted Richmond insurance agent with a 4.6-star rating from over 100 reviews.
12816 San Pablo Ave, Richmond, CA 94805, USAA 5.0-star rating from 44 Google reviews reflects trusted local service.
12553 San Pablo Ave B, Richmond, CA 94805, USAInsurance Agents Rankings in Richmond, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Cost-U-Less Insurance11100 San Pablo Ave #110, El Cerrito, CA 94530, USA | 4.9★ | 448 |
| #2 | Fiesta Auto Insurance & Tax Service12816 San Pablo Ave, Richmond, CA 94805, USA | 4.6★ | 116 |
| #3 | Futuro Insurance Services Richmond12553 San Pablo Ave B, Richmond, CA 94805, USA | 5.0★ | 44 |
| #4 | Guillermo Jimenez Insurance Agency242 Marina Way Suite A, Richmond, CA 94801, USA | 4.1★ | 18 |
| #5 | UNICOM INSURANCE & FINANCIAL SERVICES LLC12976 San Pablo Ave, Richmond, CA 94805, USA | 4.5★ | 2 |
| #6 | Farmers Insurance - Song Thuy Nguyen2089 Vale Rd STE 22, San Pablo, CA 94806, USA | 4.8★ | 13 |
| #7 | JG Insurance Solutions12807 San Pablo Ave, Richmond, CA 94805, USA | 4.4★ | 13 |
| #8 | Hernandez Agency & DMV Business Partner Services855 Marina Bay Pkwy Ste 260, Richmond, CA 94804, USA | 5.0★ | 6 |
| #9 | M.A. Hays Insurance Brokers232 Broadway, Richmond, CA 94804, USA | 5.0★ | 4 |
| #10 | Growth Insurance Agency Inc.3150 Hilltop Mall Rd Unit 82, Richmond, CA 94806, USA | 5.0★ | 2 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Insurance Agents in Richmond
A solid 4.1-star rating based on 18 Google reviews from local clients.
242 Marina Way Suite A, Richmond, CA 94801, USA
This Richmond insurance agent holds a strong 4.5-star rating from recent Google reviews.
12976 San Pablo Ave, Richmond, CA 94805, USA
Rated 4.8 stars from 13 reviews, this Richmond insurance agent is highly trusted locally.
2089 Vale Rd STE 22, San Pablo, CA 94806, USA
A solid 4.4-star rating from 13 Google reviews reflects reliable local service.
12807 San Pablo Ave, Richmond, CA 94805, USA
Boasting a perfect 5.0-star rating from 6 local reviews in Richmond, CA.
855 Marina Bay Pkwy Ste 260, Richmond, CA 94804, USA
A local favorite with a perfect 5.0-star rating from several reviews.
232 Broadway, Richmond, CA 94804, USA
Rated 5.0 stars from 2 Google reviews for insurance services in Richmond.
3150 Hilltop Mall Rd Unit 82, Richmond, CA 94806, USA
Highly rated Richmond insurance agent with a perfect 5.0-star score from local clients.
3211 Auto Plaza, Richmond, CA 94806, USA
Over 25 Google reviews give this Richmond insurance agent a solid 4.0-star rating.
635 23rd St A, Richmond, CA 94804, USA
Mixed 3.1-star rating from 15 Google reviews suggests inconsistent customer experiences.
652 23rd St, Richmond, CA 94804, USA
13 Google reviews give this Richmond insurance agent a 2.8-star rating.
874 23rd St, Richmond, CA 94804, USA
Exceptional 5.0-star rating from six reviews for reliable local insurance service.
221 Broadway, Richmond, CA 94804, USA
A Richmond insurance agent with a 3.7-star rating based on 3 reviews.
3664 San Pablo Dam Rd, El Sobrante, CA 94803, USA
A mixed 3.3-star rating based on a small number of reviews.
12495 San Pablo Ave, Richmond, CA 94805, USA
No ratings yet for this Richmond, CA insurance agent from any Google reviews.
3150 Hilltop Mall Rd, Richmond, CA 94806, USA
An unrated insurance agent in Richmond, CA with no Google reviews yet.
4500 Barrett Ave, Richmond, CA 94805, USA
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Insurance Agents in Richmond, CA — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Cost-U-Less Insurance | 87/100 | 4.9 ★ | 448 |
| 2 | Fiesta Auto Insurance & Tax Service | 77/100 | 4.6 ★ | 116 |
| 3 | Futuro Insurance Services Richmond | 79/100 | 5.0 ★ | 44 |
| 4 | Guillermo Jimenez Insurance Agency | 59/100 | 4.1 ★ | 18 |
| 5 | UNICOM INSURANCE & FINANCIAL SERVICES LLC | 56/100 | 4.5 ★ | 2 |
| 6 | Farmers Insurance - Song Thuy Nguyen | 69/100 | 4.8 ★ | 13 |
| 7 | JG Insurance Solutions | 62/100 | 4.4 ★ | 13 |
| 8 | Hernandez Agency & DMV Business Partner Services | 69/100 | 5.0 ★ | 6 |
| 9 | M.A. Hays Insurance Brokers | 67/100 | 5.0 ★ | 4 |
| 10 | Growth Insurance Agency Inc. | 64/100 | 5.0 ★ | 2 |
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 Richmond
What is the difference between a captive and independent insurance agent in Richmond?
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 CA?
Search the CA Department of Insurance's online license lookup — Google "CA 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 CA must be licensed with the state.
How much does working with a local insurance agent in Richmond 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 Richmond?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Richmond 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.
Insurance Agents in Nearby Cities
Compare top-rated insurance agents in cities near you.
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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