24/7 Available · Saint Paul
24-Hour Insurance Agents in Saint Paul, MN — Always Available
Emergencies don't keep business hours. These insurance agents in Saint Paul are available 24 hours a day, 7 days a week — including holidays.
As of June 2026, RatingsNearMe ranks 20 insurance agents in Saint Paul, MN by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is HomeServices Insurance, Inc. with a 4.8-star rating from 172 Google reviews and an RNM Score of 83/100. Also in the top tier: Theisen Escobar Agency and Garry Insurancenter. The average rating across all listed insurance agents in Saint Paul is 4.8 stars from 51 reviews per business on average.
Insurance in Saint Paul: agents are typically paid by commission (5–15% of premium) — no cost to you to compare quotes.
Rankings updated June 10, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Saint Paul, Minnesota is home to a variety of insurance agents offering coverage for auto, home, life, and other insurance needs. Consumers should research agents' specialties, licenses, and customer reviews when selecting an insurance provider locally.
- ✓Insurance agents in Saint Paul offer a range of coverage options
- ✓Consumers should research agents' qualifications and customer service
- ✓Selecting the right local insurance agent is important for coverage needs
Best Overall
Theisen Escobar Agency
It is consistently ranked as the top agency in Saint Paul due to its exceptional customer service and comprehensive policy options.
Most Reviewed
V J Insurance
A high number of reviews signals broad community trust and valuable peer feedback for prospective customers.
When choosing an insurance agent in Saint Paul, compare both coverage options and customer reviews to ensure the agency meets your specific needs. A well-reviewed agency often indicates reliable support, but always verify that the policies align with your personal or business risks.
How to Choose a Insurance Agent in Saint Paul
What to look for
- • An insurance agent licensed in Minnesota
- • An agent with experience in the types of insurance you need (e.g. auto, home, life)
- • An agent who is responsive and communicates clearly
- • An agent who can provide references or reviews from satisfied customers
Questions to ask
- • How long have you been an insurance agent?
- • What types of insurance do you specialize in?
- • Can you provide references from current clients?
- • How will you help me find the right coverage and policy for my needs?
Red flags
- ⚠ An agent who is pushy or tries to upsell you
- ⚠ An agent who is not transparent about fees or commissions
- ⚠ An agent who is not licensed or does not have the proper credentials
- ⚠ An agent who is difficult to reach or does not respond to your inquiries
In Minnesota, insurance agents must be licensed by the Minnesota Department of Commerce. When selecting an insurance agent, it's important to verify their license and ensure they are authorized to sell the types of insurance you need.
Local Market Snapshot
20
Businesses listed
4.8★
Avg rating
51
Avg reviews
Jun 10, 2026
Last updated
Top Rated Insurance Agents
Trusted by hundreds of locals with a 4.8-star rating in Saint Paul.
119 14th St NW Suite 150, St Paul, MN 55112, USAA Saint Paul insurance agent with a 4.9-star rating from over 100 Google reviews.
428 Minnesota St UNIT 500, St Paul, MN 55101, USATrusted by local clients with a stellar 4.9-star rating from 91 reviews.
2555 7th Ave E, St Paul, MN 55109, USAInsurance Agents Rankings in Saint Paul, MN
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | HomeServices Insurance, Inc.119 14th St NW Suite 150, St Paul, MN 55112, USA | 4.8★ | 172 |
| #2 | Theisen Escobar Agency428 Minnesota St UNIT 500, St Paul, MN 55101, USA | 4.9★ | 112 |
| #3 | Garry Insurancenter2555 7th Ave E, St Paul, MN 55109, USA | 4.9★ | 91 |
| #4 | Quality Insurance Service236 Larpenteur Ave W, St Paul, MN 55113, USA | 4.7★ | 33 |
| #5 | SR22 Insurance Agency Of Minnesota370 Jackson St, St Paul, MN 55101, USA | 5.0★ | 6 |
| #6 | Preston & Carter Auto Insurance Agency.1 W Kellogg Blvd, St Paul, MN 55102, USA | 4.7★ | 7 |
| #7 | NSI Agency322 County Rd D E, St Paul, MN 55117, USA | 5.0★ | 26 |
| #8 | East Metro Insurance Agency, LLC Bill Runck1901 Minnehaha Ave E, St Paul, MN 55119, USA | 4.7★ | 21 |
| #9 | SR22 Network Experts of Capital City1619 Dayton Ave, St Paul, MN 55104, USA | 5.0★ | 3 |
| #10 | Boom Affordable Car Insurance - St Paul MN506 E Kenny Rd #130, St Paul, MN 55130, USA | 5.0★ | 10 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Insurance Agents in Saint Paul
Rated 4.7 stars by 33 Google reviewers, this local agent is highly trusted.
236 Larpenteur Ave W, St Paul, MN 55113, USA
370 Jackson St, St Paul, MN 55101, USA
1 W Kellogg Blvd, St Paul, MN 55102, USA
1901 Minnehaha Ave E, St Paul, MN 55119, USA
1619 Dayton Ave, St Paul, MN 55104, USA
506 E Kenny Rd #130, St Paul, MN 55130, USA
1400 Energy Park Dr #21, St Paul, MN 55108, USA
Trusted by locals with a solid 4.4-star rating from dozens of reviews.
1639 Larpenteur Ave W, St Paul, MN 55113, USA
120 Bridgepoint Way, South St Paul, MN 55075, USA
4.5 stars from 39 reviews, reflecting strong client satisfaction in Saint Paul.
250 Hamline Ave S, St Paul, MN 55105, USA
3.7 stars from 218 reviews; check recent feedback for balanced customer experiences.
400 Robert St N, St Paul, MN 55101, USA
4.7 stars from 80 reviews, reflecting strong client trust in Saint Paul.
637 Snelling Ave N, St Paul, MN 55104, USA
5.0 stars from 56 Google reviews, reflecting exceptional local client satisfaction.
101 5th St E suite 202 a, St Paul, MN 55101, USA
Trusted by 53 clients with a near-perfect 4.9-star average rating.
445 Minnesota St #1500, St Paul, MN 55101, USA
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Insurance Agents in Saint Paul, MN — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | HomeServices Insurance, Inc. | 83/100 | 4.8 ★ | 172 |
| 2 | Theisen Escobar Agency | 82/100 | 4.9 ★ | 112 |
| 3 | Garry Insurancenter | 81/100 | 4.9 ★ | 91 |
| 4 | Quality Insurance Service | 72/100 | 4.7 ★ | 33 |
| 5 | SR22 Insurance Agency Of Minnesota | 69/100 | 5.0 ★ | 6 |
| 6 | Preston & Carter Auto Insurance Agency. | 65/100 | 4.7 ★ | 7 |
| 7 | NSI Agency | 76/100 | 5.0 ★ | 26 |
| 8 | East Metro Insurance Agency, LLC Bill Runck | 70/100 | 4.7 ★ | 21 |
| 9 | SR22 Network Experts of Capital City | 66/100 | 5.0 ★ | 3 |
| 10 | Boom Affordable Car Insurance - St Paul MN | 71/100 | 5.0 ★ | 10 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · June 2026
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Frequently Asked Questions — Insurance Agents in Saint Paul
What is the difference between a captive and independent insurance agent in Saint Paul?
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 MN?
Search the MN Department of Insurance's online license lookup — Google "MN 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 MN must be licensed with the state.
How much does working with a local insurance agent in Saint Paul 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 Saint Paul?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Saint Paul 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
Compare top-rated insurance agents in cities near you.
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: June 10, 2026.
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