Highest Rated · Richmond
Top-Rated Insurance Agents in Richmond, CA
Every business ranked by real customer ratings. The pros at the top earned it — through consistent service, not advertising spend.
As of May 2026, RatingsNearMe ranks 19 insurance agents in Richmond, CA by verified customer ratings and review volume. The highest-rated is Cost-U-Less Insurance with a 4.9-star rating from 448 verified reviews. 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 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
4.4★
Avg rating
43
Avg reviews
May 17, 2026
Last updated
Top Rated Insurance Agents
Cost-U-Less Insurance
11100 San Pablo Ave #110, El Cerrito, CA 94530, USA
Fiesta Auto Insurance & Tax Service
12816 San Pablo Ave, Richmond, CA 94805, USA
Futuro Insurance Services Richmond
12553 San Pablo Ave B, Richmond, CA 94805, USA
Insurance 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 | Growth Insurance Agency Inc.3150 Hilltop Mall Rd Unit 82, Richmond, CA 94806, USA | 5.0★ | 2 |
| #5 | Hernandez Agency & DMV Business Partner Services855 Marina Bay Pkwy Ste 260, Richmond, CA 94804, USA | 5.0★ | 6 |
| #6 | M.A. Hays Insurance Brokers232 Broadway, Richmond, CA 94804, USA | 5.0★ | 4 |
| #7 | Uren & Myers Insurance Agency3211 Auto Plaza, Richmond, CA 94806, USA | 5.0★ | 1 |
| #8 | JG Insurance Solutions12807 San Pablo Ave, Richmond, CA 94805, USA | 4.4★ | 13 |
| #9 | Farmers Insurance - Aline Marcadier635 23rd St A, Richmond, CA 94804, USA | 4.0★ | 26 |
| #10 | Connect One Insurance3150 Hilltop Mall Rd, Richmond, CA 94806, USA | — | — |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Insurance Agents in Richmond
Growth Insurance Agency Inc.
3150 Hilltop Mall Rd Unit 82, Richmond, CA 94806, USA
Hernandez Agency & DMV Business Partner Services
855 Marina Bay Pkwy Ste 260, Richmond, CA 94804, USA
M.A. Hays Insurance Brokers
232 Broadway, Richmond, CA 94804, USA
Uren & Myers Insurance Agency
3211 Auto Plaza, Richmond, CA 94806, USA
JG Insurance Solutions
12807 San Pablo Ave, Richmond, CA 94805, USA
Farmers Insurance - Aline Marcadier
635 23rd St A, Richmond, CA 94804, USA
Connect One Insurance
3150 Hilltop Mall Rd, Richmond, CA 94806, USA
Guillermo Jimenez Insurance Agency
242 Marina Way Suite A, Richmond, CA 94801, USA
Auto Quality Insurance Services
221 Broadway, Richmond, CA 94804, USA
Farmers Insurance - Sandra Valdivia
874 23rd St, Richmond, CA 94804, USA
Farmers Insurance - Maria Jaimedesaran
652 23rd St, Richmond, CA 94804, USA
Mervyn M Davis Insurance Agency, LLC
12495 San Pablo Ave, Richmond, CA 94805, USA
Excellence Auto Insurance Agency
4500 Barrett Ave, Richmond, CA 94805, USA
Rizwan Insurance Agency
3664 San Pablo Dam Rd, El Sobrante, CA 94803, USA
UNICOM INSURANCE & FINANCIAL SERVICES LLC
12976 San Pablo Ave, Richmond, CA 94805, USA
Farmers Insurance - Song Thuy Nguyen
2089 Vale Rd STE 22, San Pablo, CA 94806, USA
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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.
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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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