24/7 Emergency · Richmond

Emergency Insurance Agents in Richmond, VA — Available 24/7

When you can't wait, these insurance agents in Richmond offer emergency response. Call now — most respond within the hour.

As of May 2026, RatingsNearMe ranks 20 insurance agents in Richmond, VA by verified customer ratings and review volume. The highest-rated is Atkinson Insurance Agency -Mechanicsville with a 4.9-star rating from 752 verified reviews. Also in the top tier: Matthew Becker - State Farm Insurance Agent and Insurance Doctor. The average rating across all listed insurance agents in Richmond is 4.9 stars from 206 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

Businesses listed

4.9★

Avg rating

206

Avg reviews

May 17, 2026

Last updated

Top Rated Insurance Agents

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Atkinson Insurance Agency -Mechanicsville

4.9(752 reviews)

6039 Mechanicsville Tpke, Mechanicsville, VA 23111, USA

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Matthew Becker - State Farm Insurance Agent

5.0(547 reviews)

1415 W Main St, Richmond, VA 23220, USA

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Insurance Doctor

4.8(557 reviews)

7111 W Broad St, Richmond, VA 23294, USA

Insurance Agents Rankings in Richmond, VA

#	Business	Rating	Reviews	Price
#1	Atkinson Insurance Agency -Mechanicsville6039 Mechanicsville Tpke, Mechanicsville, VA 23111, USA	4.9★	752	Free quotes
#2	Matthew Becker - State Farm Insurance Agent1415 W Main St, Richmond, VA 23220, USA	5.0★	547	Free quotes
#3	Insurance Doctor7111 W Broad St, Richmond, VA 23294, USA	4.8★	557	Free quotes
#4	Richmond Insurance Services5402 Glenside Dr c, Richmond, VA 23228, USA	5.0★	36	Free quotes
#5	Sweeney Insurance Agency, Inc.510 E Belt Blvd, Richmond, VA 23224, USA	4.7★	61	Free quotes
#6	Stanley's Insurance & Realty LLC3225 Broad Rock Blvd, Richmond, VA 23224, USA	4.9★	99	Free quotes
#7	BlueSky Insurance Agency100 Gateway Centre Pkwy # 150, North Chesterfield, VA 23235, USA	4.9★	431	Free quotes
#8	Virginia Insurance Group, Inc.5402 Glenside Dr c, Richmond, VA 23228, USA	4.9★	63	Free quotes
#9	Virginia SR22 Insurance Agency1111 E Main St #902, Richmond, VA 23219, USA	5.0★	5	Free quotes
#10	SMH Insurance Agency, Inc.4201 Cutshaw Ave, Richmond, VA 23230, USA	4.9★	57	Free quotes

Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026

All Insurance Agents in Richmond

Richmond Insurance Services

5.0· 36 reviews

5402 Glenside Dr c, Richmond, VA 23228, USA

Sweeney Insurance Agency, Inc.

4.7· 61 reviews

510 E Belt Blvd, Richmond, VA 23224, USA

Stanley's Insurance & Realty LLC

4.9· 99 reviews

3225 Broad Rock Blvd, Richmond, VA 23224, USA

BlueSky Insurance Agency

4.9· 431 reviews

100 Gateway Centre Pkwy # 150, North Chesterfield, VA 23235, USA

Virginia Insurance Group, Inc.

4.9· 63 reviews

5402 Glenside Dr c, Richmond, VA 23228, USA

Virginia SR22 Insurance Agency

5.0· 5 reviews

1111 E Main St #902, Richmond, VA 23219, USA

SMH Insurance Agency, Inc.

4.9· 57 reviews

4201 Cutshaw Ave, Richmond, VA 23230, USA

Bacon Insurance Group

4.8· 99 reviews

3711 Westerre Pkwy suite d, Richmond, VA 23233, USA

Direct Auto Insurance

4.6· 141 reviews

607 E Belt Blvd, Richmond, VA 23224, USA

Smitherwood Insurance

4.9· 29 reviews

2920 W Broad St #C26, Richmond, VA 23230, USA

G.F.H. Insurance Agency Inc

4.8· 25 reviews

4807 Radford Ave #104, Richmond, VA 23230, USA

Knight Magee Insurance

5.0· 210 reviews

14321 Winter Breeze Dr Suite 135, Midlothian, VA 23113, USA

Mike Rybinski - State Farm Insurance Agent

4.9· 139 reviews

2302 E Cary St, Richmond, VA 23223, USA

Brian Cory - GEICO Insurance Agent

4.8· 413 reviews

8010 Midlothian Tpke, Richmond, VA 23235, USA

The Harvest Agency, LLC

4.9· 43 reviews

1021 Hioaks Rd #13328, Richmond, VA 23225, USA

WBA Insurance

4.9· 103 reviews

901 Moorefield Park Dr #210, Richmond, VA 23236, USA

Kelly Garrison - GEICO Insurance Agent

4.6· 308 reviews

8405 W Broad St, Richmond, VA 23294, USA

Data from Google Business listings

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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 VA?

Search the VA Department of Insurance's online license lookup — Google "VA 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 VA 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.