4.5+ Stars · San Jose
Highly Rated Insurance Agents in San Jose, CA
Only the best make this list. These insurance agents in San Jose have earned 4.5+ star ratings from real customers — consistently.
As of May 2026, RatingsNearMe ranks 19 insurance agents in San Jose, CA by verified customer ratings and review volume. The highest-rated is Acceptance Insurance with a 4.9-star rating from 1,064 verified reviews. Also in the top tier: Freeway Insurance and Cost-U-Less Insurance. The average rating across all listed insurance agents in San Jose is 4.8 stars from 244 reviews per business on average.
Insurance in San Jose: 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
4.8★
Avg rating
244
Avg reviews
May 17, 2026
Last updated
Top Rated Insurance Agents
Acceptance Insurance
2602 Alum Rock Ave, San Jose, CA 95116, USA
Cost-U-Less Insurance
1915 Alum Rock Ave A, San Jose, CA 95116, USA
Insurance Agents Rankings in San Jose, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Acceptance Insurance2602 Alum Rock Ave, San Jose, CA 95116, USA | 4.9★ | 1,064 |
| #2 | Freeway Insurance1646 Story Rd, San Jose, CA 95122, USA | 4.8★ | 1,136 |
| #3 | Cost-U-Less Insurance1915 Alum Rock Ave A, San Jose, CA 95116, USA | 4.8★ | 593 |
| #4 | Affordable Auto Insurance San JoseE Santa Clara St, San Jose, CA 95112, USA | 5.0★ | 2 |
| #5 | TayBrook SR22 Insurance California919 Story Rd #1161, San Jose, CA 95122, USA | 5.0★ | 4 |
| #6 | PHP Insurance Services Inc.1290 Tully Rd #80, San Jose, CA 95122, USA | 4.2★ | 72 |
| #7 | Leavitt Pacific Insurance Brokers1570 The Alameda Suite 101, San Jose, CA 95126, USA | 4.9★ | 119 |
| #8 | Wynn Insurance Agency88 Tully Rd STE 100, San Jose, CA 95122, USA | 4.8★ | 73 |
| #9 | Angela Frangieh - State Farm Insurance Agent1465 Park Ave, San Jose, CA 95126, USA | 5.0★ | 326 |
| #10 | Acrisure San Jose, CA3155 Olsen Dr Suite 400, San Jose, CA 95117, USA | 4.9★ | 73 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Insurance Agents in San Jose
Affordable Auto Insurance San Jose
E Santa Clara St, San Jose, CA 95112, USA
TayBrook SR22 Insurance California
919 Story Rd #1161, San Jose, CA 95122, USA
PHP Insurance Services Inc.
1290 Tully Rd #80, San Jose, CA 95122, USA
Leavitt Pacific Insurance Brokers
1570 The Alameda Suite 101, San Jose, CA 95126, USA
Wynn Insurance Agency
88 Tully Rd STE 100, San Jose, CA 95122, USA
Angela Frangieh - State Farm Insurance Agent
1465 Park Ave, San Jose, CA 95126, USA
Balance Insurance Agency Inc
1655 Alum Rock Ave, San Jose, CA 95116, USA
Khalsa Insurance Agency
3750 McKee Rd A, San Jose, CA 95127, USA
Ana Orozco - State Farm Insurance Agent
2011 Forest Ave #3, San Jose, CA 95128, USA
Fiesta Auto Insurance & Tax Service
1152 E Julian St Suite #30, San Jose, CA 95116, USA
Farmers Insurance - Ironwood Insurance Agency
816 N First St #100, San Jose, CA 95112, USA
Let's Insure - San Jose
1900 Camden Ave #204, San Jose, CA 95124, USA
Rolando Suarez - State Farm Insurance Agent
696 E Santa Clara St #110, San Jose, CA 95112, USA
LNA Insurance Agency, Inc.
999 Story Rd UNIT 9063, San Jose, CA 95122, USA
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Frequently Asked Questions — Insurance Agents in San Jose
What is the difference between a captive and independent insurance agent in San Jose?
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 Jose 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 Jose?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in San Jose 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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