24/7 Emergency · Sacramento
Emergency Insurance Agents in Sacramento, CA — Available 24/7
When you can't wait, these insurance agents in Sacramento offer emergency response. Call now — most respond within the hour.
As of May 2026, RatingsNearMe ranks 20 insurance agents in Sacramento, CA by verified customer ratings and review volume. The highest-rated is Saavedra Longino Organization with a 4.9-star rating from 1,243 verified reviews. 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 May 17, 2026 · Scored by 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
May 17, 2026
Last updated
Top Rated Insurance Agents
Saavedra Longino Organization
2500 Venture Oaks Way #360, Sacramento, CA 95833, USA
Capital Hill Insurance Agency
10265 Old Placerville Rd STE 11, Sacramento, CA 95827, USA
Insurance 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 | Homer Insurance Agency5211 Madison Ave, Sacramento, CA 95841, USA | 4.9★ | 136 |
| #5 | Jacinth Insurance2306 J St, Sacramento, CA 95816, USA | 3.7★ | 9 |
| #6 | River City Home Insurance Solutions4448 Trumpeter Ct #12, Sacramento, CA 95826, USA | 5.0★ | 8 |
| #7 | Brightwell SR22 Insurance Agency California3311 Northgate Blvd, Sacramento, CA 95834, USA | 5.0★ | 3 |
| #8 | Igor & Irene Slobodyany Insurance Agency5301 Madison Ave STE 204, Sacramento, CA 95841, USA | 4.9★ | 574 |
| #9 | SeguroSmart Insurance Solutions LLC2014 Capitol Ave Ste 100-4020, Sacramento, CA 95811, USA | 5.0★ | 24 |
| #10 | Sacramento Group Health Insurance Broker525 Pavilions Ln, Sacramento, CA 95825, USA | 5.0★ | 2 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Insurance Agents in Sacramento
Homer Insurance Agency
5211 Madison Ave, Sacramento, CA 95841, USA
Jacinth Insurance
2306 J St, Sacramento, CA 95816, USA
River City Home Insurance Solutions
4448 Trumpeter Ct #12, Sacramento, CA 95826, USA
Brightwell SR22 Insurance Agency California
3311 Northgate Blvd, Sacramento, CA 95834, USA
Igor & Irene Slobodyany Insurance Agency
5301 Madison Ave STE 204, Sacramento, CA 95841, USA
SeguroSmart Insurance Solutions LLC
2014 Capitol Ave Ste 100-4020, Sacramento, CA 95811, USA
Sacramento Group Health Insurance Broker
525 Pavilions Ln, Sacramento, CA 95825, USA
Yeh Chen Ferguson - State Farm Insurance Agent
7273 14th Ave #100, Sacramento, CA 95820, USA
Zuray Perez-Garcia - State Farm Insurance Agent
8880 Cal Center Dr # 280, Sacramento, CA 95826, USA
Castro Property & Commercial Insurance Agency
3155 Jefferson Blvd, West Sacramento, CA 95691, USA
Farmers Insurance - Tracy Tran
7411 W Stockton Blvd #120, Sacramento, CA 95823, USA
American River Insurance Agency
333 University Ave suit 200, Sacramento, CA 95825, USA
Cnk Insurance Services
2701 Cottage Way #6, Sacramento, CA 95825, USA
Greenhaven Insurance Agency
925 Secret River Dr Suite G, Sacramento, CA 95831, USA
Mega Success Insurance Services
2868 Northgate Blvd # 103, Sacramento, CA 95833, USA
Eugene C Yates Insurance Agency
2021 P St, Sacramento, CA 95811, USA
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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.
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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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