Best Value · Sacramento
Affordable Insurance Agents in Sacramento, CA
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As of July 2026, RatingsNearMe ranks 20 insurance agents in Sacramento, CA by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Saavedra Longino Organization with a 4.9-star rating from 1,243 Google reviews and an RNM Score of 98/100. Also in the top tier: Acceptance Insurance and Capital Hill Insurance Agency. The average rating across all listed insurance agents in Sacramento is 4.9 stars from 195 reviews per business on average.
Insurance in Sacramento: 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.
Local Market Snapshot
20
Businesses listed
4.9★
Avg rating
195
Avg reviews
Jul 4, 2026
Last updated
Top Rated Insurance Agents
Top-rated Sacramento insurance agent with 4.9 stars from over 1,200 reviews.
2500 Venture Oaks Way #360, Sacramento, CA 95833, USA4.8 stars from over 300 reviews, reflecting trusted local insurance service.
5411 Florin Rd, Sacramento, CA 95823, USASacramento insurance agent with a perfect 5.0-star rating from over 150 Google reviews.
10265 Old Placerville Rd STE 11, Sacramento, CA 95827, USAInsurance Agents Rankings in Sacramento, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Saavedra Longino Organization2500 Venture Oaks Way #360, Sacramento, CA 95833, USA | 4.9★ | 1,243 |
| #2 | Acceptance Insurance5411 Florin Rd, Sacramento, CA 95823, USA | 4.8★ | 316 |
| #3 | Capital Hill Insurance Agency10265 Old Placerville Rd STE 11, Sacramento, CA 95827, USA | 5.0★ | 150 |
| #4 | SeguroSmart Insurance Solutions LLC2014 Capitol Ave Ste 100-4020, Sacramento, CA 95811, USA | 5.0★ | 24 |
| #5 | Homer Insurance Agency5211 Madison Ave, Sacramento, CA 95841, USA | 4.9★ | 136 |
| #6 | River City Home Insurance Solutions4448 Trumpeter Ct #12, Sacramento, CA 95826, USA | 5.0★ | 8 |
| #7 | Castro Property & Commercial Insurance Agency3155 Jefferson Blvd, West Sacramento, CA 95691, USA | 5.0★ | 4 |
| #8 | Jacinth Insurance2306 J St, Sacramento, CA 95816, USA | 3.7★ | 9 |
| #9 | McClatchy Insurance Agency2410 Fair Oaks Blvd #140, Sacramento, CA 95825, USA | 5.0★ | 70 |
| #10 | Mega Success Insurance Services2868 Northgate Blvd # 103, Sacramento, CA 95833, USA | 4.6★ | 9 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Insurance Agents in Sacramento
5.0★ from 24 Google reviews, reflecting exceptional local client satisfaction.
2014 Capitol Ave Ste 100-4020, Sacramento, CA 95811, USA
Highly rated Sacramento insurance agent with 4.9 stars from over 130 reviews.
5211 Madison Ave, Sacramento, CA 95841, USA
Exceptional 5.0-star rating from 8 Google reviews for a Sacramento insurance agent.
4448 Trumpeter Ct #12, Sacramento, CA 95826, USA
Earns a perfect 5.0-star rating from a handful of local Google reviews.
3155 Jefferson Blvd, West Sacramento, CA 95691, USA
A 3.7-star rating based on 9 Google reviews shows mixed local customer feedback.
2306 J St, Sacramento, CA 95816, USA
5.0 stars from 70 Google reviews, serving Sacramento insurance clients.
2410 Fair Oaks Blvd #140, Sacramento, CA 95825, USA
Highly rated Sacramento insurance agent with 4.6 stars from 9 reviews.
2868 Northgate Blvd # 103, Sacramento, CA 95833, USA
Boasts a perfect 5.0-star rating from a handful of local Google reviews.
2701 Cottage Way #6, Sacramento, CA 95825, USA
Trusted Sacramento insurance agent with a perfect 5.0-star rating from over 100 reviews.
2021 P St, Sacramento, CA 95811, USA
Sacramento's top-rated insurance agent with a perfect 5.0★ score from over 100 reviews.
925 Secret River Dr Suite G, Sacramento, CA 95831, USA
Earns a perfect 5.0-star rating from over 100 local Google reviews.
333 University Ave suit 200, Sacramento, CA 95825, USA
A Sacramento insurance agent with a 5.0-star rating from over 400 Google reviews.
8880 Cal Center Dr # 280, Sacramento, CA 95826, USA
5.0-star rating from 3 reviews for a Sacramento insurance agent.
3311 Northgate Blvd, Sacramento, CA 95834, USA
5.0-star rating from 2 Google reviews for a Sacramento insurance agent.
525 Pavilions Ln, Sacramento, CA 95825, USA
5.0★ from 329 reviews, making this Sacramento insurance agent highly trusted.
7273 14th Ave #100, Sacramento, CA 95820, USA
Top-rated Sacramento insurance agent with 4.9 stars from 574 reviews.
5301 Madison Ave STE 204, Sacramento, CA 95841, USA
Serving Sacramento with a flawless 5.0-star rating from over 260 local reviews.
7411 W Stockton Blvd #120, Sacramento, CA 95823, USA
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Insurance Agents in Sacramento, CA — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Saavedra Longino Organization | 98/100 | 4.9 ★ | 1,243 |
| 2 | Acceptance Insurance | 97/100 | 4.8 ★ | 316 |
| 3 | Capital Hill Insurance Agency | 97/100 | 5.0 ★ | 150 |
| 4 | SeguroSmart Insurance Solutions LLC | 87/100 | 5.0 ★ | 24 |
| 5 | Homer Insurance Agency | 95/100 | 4.9 ★ | 136 |
| 6 | River City Home Insurance Solutions | 82/100 | 5.0 ★ | 8 |
| 7 | Castro Property & Commercial Insurance Agency | 79/100 | 5.0 ★ | 4 |
| 8 | Jacinth Insurance | 49/100 | 3.7 ★ | 9 |
| 9 | McClatchy Insurance Agency | 85/100 | 5.0 ★ | 70 |
| 10 | Mega Success Insurance Services | 67/100 | 4.6 ★ | 9 |
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 Sacramento
What is the difference between a captive and independent insurance agent in Sacramento?
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 Sacramento 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 Sacramento?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Sacramento 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
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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: July 4, 2026.
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