Best Value · Richmond
Affordable Insurance Agents in Richmond, TX
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As of May 2026, RatingsNearMe ranks 16 insurance agents in Richmond, TX by verified customer ratings and review volume. The highest-rated is Polo Garcia - State Farm Insurance Agent with a 4.9-star rating from 1,127 verified reviews. Also in the top tier: Forrest Cobb - State Farm Insurance Agent and Zach Muzzy - State Farm Insurance Agent. The average rating across all listed insurance agents in Richmond is 4.8 stars from 179 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
16
Businesses listed
4.8★
Avg rating
179
Avg reviews
May 17, 2026
Last updated
Top Rated Insurance Agents
Polo Garcia - State Farm Insurance Agent
15002 Lakefair Dr Ste 205, Richmond, TX 77406, USA
Forrest Cobb - State Farm Insurance Agent
11020 Harlem Rd Suite 300, Richmond, TX 77406, USA
Zach Muzzy - State Farm Insurance Agent
10401 Mason Rd Suite D402, Richmond, TX 77406, USA
Insurance Agents Rankings in Richmond, TX
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Polo Garcia - State Farm Insurance Agent15002 Lakefair Dr Ste 205, Richmond, TX 77406, USA | 4.9★ | 1,127 |
| #2 | Forrest Cobb - State Farm Insurance Agent11020 Harlem Rd Suite 300, Richmond, TX 77406, USA | 4.8★ | 434 |
| #3 | Zach Muzzy - State Farm Insurance Agent10401 Mason Rd Suite D402, Richmond, TX 77406, USA | 4.9★ | 259 |
| #4 | Full Scope Insurance Agency, LLC7829 Powerline Rd, Richmond, TX 77469, USA | 4.9★ | 113 |
| #5 | Mims Integra Insurance503 FM359 STE 130 #148, Richmond, TX 77406, USA | 5.0★ | 28 |
| #6 | Stieber Insurance Group, LLC515 FM 359 Rd #104, 515 FM359, Richmond, TX 77406, USA | 5.0★ | 30 |
| #7 | Mark Boles Insurance Agency1117 FM359, Richmond, TX 77406, USA | 4.9★ | 60 |
| #8 | Grayless Insurance Agency, LLC2116 Thompson Rd, Richmond, TX 77469, USA | 4.9★ | 8 |
| #9 | Leland Brunswick II - State Farm Insurance Agent1305 FM359, Richmond, TX 77406, USA | 5.0★ | 112 |
| #10 | Jason Deitz - State Farm Insurance Agent16803 W Airport Blvd Ste 120, Richmond, TX 77407, USA | 4.9★ | 87 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Insurance Agents in Richmond
Full Scope Insurance Agency, LLC
7829 Powerline Rd, Richmond, TX 77469, USA
Mims Integra Insurance
503 FM359 STE 130 #148, Richmond, TX 77406, USA
Stieber Insurance Group, LLC
515 FM 359 Rd #104, 515 FM359, Richmond, TX 77406, USA
Mark Boles Insurance Agency
1117 FM359, Richmond, TX 77406, USA
Grayless Insurance Agency, LLC
2116 Thompson Rd, Richmond, TX 77469, USA
Leland Brunswick II - State Farm Insurance Agent
1305 FM359, Richmond, TX 77406, USA
Jason Deitz - State Farm Insurance Agent
16803 W Airport Blvd Ste 120, Richmond, TX 77407, USA
Kevin Patton - State Farm Insurance Agent
2204 Thompson Rd, Richmond, TX 77469, USA
Farmers Insurance - Jose Castillo
5529 FM359 Ste A, Richmond, TX 77406, USA
Hayes Insurance Group Inc.: Allstate Insurance
24200 Via Mazzini Way Suite 301, Richmond, TX 77406, USA
DuVal Insurance Agency
1800 FM359, Richmond, TX 77406, USA
Vahn Doctolero - State Farm Insurance Agent
2035 FM359 I, Richmond, TX 77406, USA
Allstate Insurance Agent: Tom Dutka
5545 FM359 Ste 4, Richmond, TX 77406, 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 TX?
Search the TX Department of Insurance's online license lookup — Google "TX 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 TX 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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