Licensed · San Diego
Licensed & Insured Insurance Agents in San Diego, CA
Every insurance agents listed here carries proper licensing and insurance in CA. Protect yourself — always verify credentials before work begins.
As of May 2026, RatingsNearMe ranks 19 insurance agents in San Diego, CA by verified customer ratings and review volume. The highest-rated is Fusco Orsini & Associates Insurance Services with a 5.0-star rating from 609 verified reviews. Also in the top tier: Bluewave Insurance Services and Doug Steiner - State Farm Insurance Agent. The average rating across all listed insurance agents in San Diego is 4.9 stars from 273 reviews per business on average.
Insurance in San Diego: 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
19
Businesses listed
4.9★
Avg rating
273
Avg reviews
May 17, 2026
Last updated
Top Rated Insurance Agents
Fusco Orsini & Associates Insurance Services
8880 Rio San Diego Dr Ste 725, San Diego, CA 92108, USA
Bluewave Insurance Services
2221 Camino del Rio S STE 305, San Diego, CA 92108, USA
Doug Steiner - State Farm Insurance Agent
406 Ninth Ave Ste 204, San Diego, CA 92101, USA
Insurance Agents Rankings in San Diego, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Fusco Orsini & Associates Insurance Services8880 Rio San Diego Dr Ste 725, San Diego, CA 92108, USA | 5.0★ | 609 |
| #2 | Bluewave Insurance Services2221 Camino del Rio S STE 305, San Diego, CA 92108, USA | 5.0★ | 515 |
| #3 | Doug Steiner - State Farm Insurance Agent406 Ninth Ave Ste 204, San Diego, CA 92101, USA | 5.0★ | 840 |
| #4 | Richard Turner Insurance Agency3511 Camino del Rio S UNIT 403, San Diego, CA 92108, USA | 5.0★ | 173 |
| #5 | McCormick Insurance Solutions1437 Morena Blvd # 201, San Diego, CA 92110, USA | 5.0★ | 78 |
| #6 | Right Time Insurance Services1761 Hotel Cir S, San Diego, CA 92108, USA | 4.9★ | 342 |
| #7 | Let's Insure101 W Broadway #1460, San Diego, CA 92101, USA | 5.0★ | 80 |
| #8 | Hultz Insurance944 C St, San Diego, CA 92101, USA | 4.7★ | 67 |
| #9 | Low Cost Car Insurance Consultants LLC5473 Kearny Villa Rd #393, San Diego, CA 92123, USA | 5.0★ | 5 |
| #10 | iNeed Insurance & More1455 Frazee Rd, San Diego, CA 92108, USA | 5.0★ | 26 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Insurance Agents in San Diego
Richard Turner Insurance Agency
3511 Camino del Rio S UNIT 403, San Diego, CA 92108, USA
McCormick Insurance Solutions
1437 Morena Blvd # 201, San Diego, CA 92110, USA
Right Time Insurance Services
1761 Hotel Cir S, San Diego, CA 92108, USA
Low Cost Car Insurance Consultants LLC
5473 Kearny Villa Rd #393, San Diego, CA 92123, USA
iNeed Insurance & More
1455 Frazee Rd, San Diego, CA 92108, USA
San Diego General Insurance Agency, Inc.
11440 W Bernardo Ct, San Diego, CA 92127, USA
AAA San Diego Insurance and Member Services
2440 Hotel Cir N, San Diego, CA 92108, USA
The Insurance Store
10981 San Diego Mission Rd #230, San Diego, CA 92108, USA
Freeway Insurance
1333 Camino del Rio S #102, San Diego, CA 92108, USA
California Brokerage Insurance Associates
1851 San Diego Ave #120, San Diego, CA 92110, USA
Pacific Premier Insurance Associates, Inc
3517 Camino del Rio S Suite 215 PMB 1601, San Diego, CA 92108, USA
Beach Break Insurance Agency #6008907
4849 Ronson Ct # 210, San Diego, CA 92111, USA
Kiesau Insurance Services
9968 Hibert St #104, San Diego, CA 92131, USA
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Frequently Asked Questions — Insurance Agents in San Diego
What is the difference between a captive and independent insurance agent in San Diego?
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 San Diego 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 San Diego?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in San Diego 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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