24/7 Emergency · San Francisco
Emergency Insurance Agents in San Francisco, CA — Available 24/7
When you can't wait, these insurance agents in San Francisco offer emergency response. Call now — most respond within the hour.
As of July 2026, RatingsNearMe ranks 20 insurance agents in San Francisco, CA by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Jake Stewart - State Farm Insurance Agent with a 4.9-star rating from 616 Google reviews and an RNM Score of 98/100. Also in the top tier: Traci Hollander - State Farm Insurance Agent and Ben Carr - State Farm Insurance Agent. The average rating across all listed insurance agents in San Francisco is 4.9 stars from 166 reviews per business on average.
Insurance in San Francisco: 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.
Best Overall
Mary Zell Spellman - State Farm Insurance Agent
Mary Zell Spellman is consistently ranked as a top agent in San Francisco due to her exceptional customer service and comprehensive coverage options.
Most Reviewed
Mary Zell Spellman - State Farm Insurance Agent
A high number of reviews indicates a large, satisfied client base and proven reliability in the community.
When choosing an insurance agent in San Francisco, consider factors such as local expertise, personalized service, and the range of policies offered. Reading recent reviews and comparing quotes from multiple agents can help you find the best fit for your needs.
Local Market Snapshot
20
Businesses listed
4.9★
Avg rating
166
Avg reviews
Jul 4, 2026
Last updated
Top Rated Insurance Agents
Trusted by hundreds of clients with a 4.9-star rating across 616 reviews.
490 Post St Suite 1606, San Francisco, CA 94102, USATop-rated San Francisco insurance agent with 4.9 stars from over 500 reviews.
556 Castro St, San Francisco, CA 94114, USATrusted by hundreds of clients with a flawless 5.0-star rating.
3361 20th St, San Francisco, CA 94110, USAInsurance Agents Rankings in San Francisco, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Jake Stewart - State Farm Insurance Agent490 Post St Suite 1606, San Francisco, CA 94102, USA | 4.9★ | 616 |
| #2 | Traci Hollander - State Farm Insurance Agent556 Castro St, San Francisco, CA 94114, USA | 4.9★ | 548 |
| #3 | Ben Carr - State Farm Insurance Agent3361 20th St, San Francisco, CA 94110, USA | 5.0★ | 343 |
| #4 | Kajal Pashmi - State Farm Insurance Agent3138 Geary Blvd, San Francisco, CA 94118, USA | 4.9★ | 48 |
| #5 | Ed Hidalgo - State Farm Insurance Agent4201 California St, San Francisco, CA 94118, USA | 5.0★ | 158 |
| #6 | April Insurance Agency204 Valencia St Unit 6, San Francisco, CA 94103, USA | 5.0★ | 14 |
| #7 | Donald Browne Insurance Services, formerly, John A Morton Insurance Agency3366 22nd St, San Francisco, CA 94110, USA | 4.8★ | 79 |
| #8 | Mary Zell Spellman - State Farm Insurance Agent26 W Portal Ave UNIT 1, San Francisco, CA 94127, USA | 4.9★ | 100 |
| #9 | Robert E. Kennedy Insurance Agency2269 Chestnut St #301, San Francisco, CA 94123, USA | 4.9★ | 38 |
| #10 | ESI Insurance Brokers2085 Van Ness Ave, San Francisco, CA 94109, USA | 4.9★ | 35 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Insurance Agents in San Francisco
Trusted by locals with a stellar 4.9★ rating from 48 reviews.
3138 Geary Blvd, San Francisco, CA 94118, USA
Top-rated San Francisco insurance agent with a perfect 5.0 stars from over 150 reviews.
4201 California St, San Francisco, CA 94118, USA
Trusted by clients with a perfect 5.0-star rating from 14 Google reviews.
204 Valencia St Unit 6, San Francisco, CA 94103, USA
Trusted by dozens of locals with an exceptional 4.8-star rating.
3366 22nd St, San Francisco, CA 94110, USA
Trusted San Francisco insurance agent with a stellar 4.9-star rating from over 100 reviews.
26 W Portal Ave UNIT 1, San Francisco, CA 94127, USA
Rated 4.9 stars from 38 Google reviews, this San Francisco insurance agent is highly trusted.
2269 Chestnut St #301, San Francisco, CA 94123, USA
Trusted by clients with a 4.9-star rating from 35 reviews.
2085 Van Ness Ave, San Francisco, CA 94109, USA
Top-rated San Francisco insurance agent with a flawless 5.0-star rating from 23 reviews.
2620 Judah St, San Francisco, CA 94122, USA
Trusted San Francisco insurance agent with a solid 4.0-star rating from 16 reviews.
314 W Portal Ave, San Francisco, CA 94127, USA
San Francisco's top-rated insurance agent with a perfect 5.0 stars from hundreds of reviews.
1745 O'Farrell St, San Francisco, CA 94115, USA
Trusted by hundreds with a flawless 5.0-star rating across 171 Google reviews.
3428 Balboa St, San Francisco, CA 94121, USA
A new insurance agent in San Francisco with no customer reviews yet.
1045 17th St, San Francisco, CA 94107, USA
Top-rated San Francisco insurance agent with a perfect 5.0★ rating from hundreds of reviews.
288 7th St, San Francisco, CA 94103, USA
Rated 4.9 stars from 134 Google reviews, consistently earning exceptional client feedback.
1820 Van Ness Ave, San Francisco, CA 94109, USA
Trusted by hundreds of clients with a strong 4.5-star rating in San Francisco.
599 Clement St, San Francisco, CA 94118, USA
Rated 5.0 stars from over 100 Google reviews in San Francisco.
2300 16th St Ste 280, San Francisco, CA 94103, USA
Trusted by locals with a strong 4.7-star rating from nearly 30 reviews.
422 Presidio Ave, San Francisco, CA 94115, USA
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Insurance Agents in San Francisco, CA — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Jake Stewart - State Farm Insurance Agent | 98/100 | 4.9 ★ | 616 |
| 2 | Traci Hollander - State Farm Insurance Agent | 98/100 | 4.9 ★ | 548 |
| 3 | Ben Carr - State Farm Insurance Agent | 100/100 | 5.0 ★ | 343 |
| 4 | Kajal Pashmi - State Farm Insurance Agent | 89/100 | 4.9 ★ | 48 |
| 5 | Ed Hidalgo - State Farm Insurance Agent | 98/100 | 5.0 ★ | 158 |
| 6 | April Insurance Agency | 85/100 | 5.0 ★ | 14 |
| 7 | Donald Browne Insurance Services, formerly, John A Morton Insurance Agency | 82/100 | 4.8 ★ | 79 |
| 8 | Mary Zell Spellman - State Farm Insurance Agent | 82/100 | 4.9 ★ | 100 |
| 9 | Robert E. Kennedy Insurance Agency | 88/100 | 4.9 ★ | 38 |
| 10 | ESI Insurance Brokers | 79/100 | 4.9 ★ | 35 |
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 San Francisco
What is the difference between a captive and independent insurance agent in San Francisco?
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 Francisco 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 Francisco?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in San Francisco 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: July 4, 2026.
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