Real Reviews · San Jose
Top-Reviewed Insurance Agents in San Jose, CA
What are customers actually saying? Read verified reviews for insurance agents in San Jose — every rating is from a real customer.
As of July 2026, RatingsNearMe ranks 19 insurance agents in San Jose, CA by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Acceptance Insurance with a 4.9-star rating from 1,064 Google reviews and an RNM Score of 98/100. 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 July 4, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
Freeway Insurance
Freeway Insurance stands out as the top-ranked agent due to its strong reputation for affordability and wide coverage options in San Jose.
Most Reviewed
Rolando Suarez - State Farm Insurance Agent
A high review count signals proven reliability and customer satisfaction, helping consumers gauge the agent's service quality.
When choosing an insurance agent in San Jose, compare quotes from multiple agents and read recent reviews to ensure you find the best coverage and rates for your needs.
Local Market Snapshot
19
Businesses listed
4.8★
Avg rating
244
Avg reviews
Jul 4, 2026
Last updated
Top Rated Insurance Agents
Shoppers give this San Jose agent a 4.9-star rating from over 1,000 reviews.
2602 Alum Rock Ave, San Jose, CA 95116, USAOne of the most trusted local agencies, boasting a stellar 4.8-star rating from over 1,100 reviews.
1646 Story Rd, San Jose, CA 95122, USATrusted San Jose insurance agent with 4.8 stars from nearly 600 reviews.
1915 Alum Rock Ave A, San Jose, CA 95116, USAInsurance 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 | Let's Insure - San Jose1900 Camden Ave #204, San Jose, CA 95124, USA | 4.8★ | 21 |
| #5 | TayBrook SR22 Insurance California919 Story Rd #1161, San Jose, CA 95122, USA | 5.0★ | 4 |
| #6 | Affordable Auto Insurance San JoseE Santa Clara St, San Jose, CA 95112, USA | 5.0★ | 2 |
| #7 | Leavitt Pacific Insurance Brokers1570 The Alameda Suite 101, San Jose, CA 95126, USA | 4.9★ | 119 |
| #8 | Acrisure San Jose, CA3155 Olsen Dr Suite 400, San Jose, CA 95117, USA | 4.9★ | 73 |
| #9 | Balance Insurance Agency Inc1655 Alum Rock Ave, San Jose, CA 95116, USA | 4.8★ | 109 |
| #10 | PHP Insurance Services Inc.1290 Tully Rd #80, San Jose, CA 95122, USA | 4.2★ | 72 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Insurance Agents in San Jose
4.8-star rating from over 20 reviews highlights trusted local insurance service.
1900 Camden Ave #204, San Jose, CA 95124, USA
Proudly rated 5.0 stars from 4 Google reviews in San Jose.
919 Story Rd #1161, San Jose, CA 95122, USA
5.0 stars from 2 Google reviews, reflecting exceptional local service.
E Santa Clara St, San Jose, CA 95112, USA
Trusted by hundreds of local clients, this San Jose agent holds a 4.9-star rating.
1570 The Alameda Suite 101, San Jose, CA 95126, USA
4.9 stars from 73 reviews makes this San Jose insurance agent a top-rated choice.
3155 Olsen Dr Suite 400, San Jose, CA 95117, USA
Shoppers trust this San Jose insurance agent, with a stellar 4.8-star rating from 109 reviews.
1655 Alum Rock Ave, San Jose, CA 95116, USA
Consistently rated 4.2 stars from over 70 Google reviews in San Jose.
1290 Tully Rd #80, San Jose, CA 95122, USA
Consistently rated 4.8 stars from over 70 local Google reviews.
88 Tully Rd STE 100, San Jose, CA 95122, USA
San Jose insurance agent with a perfect 5.0-star rating from over 300 reviews.
1465 Park Ave, San Jose, CA 95126, USA
Trusted by hundreds, this San Jose insurance agent holds a strong 4.7-star rating.
3750 McKee Rd A, San Jose, CA 95127, USA
Exceptional 5.0-star rating from 31 Google reviews in San Jose.
1038 Leigh Ave UNIT 201, San Jose, CA 95126, USA
Highly rated San Jose insurance agent with 4.9 stars from over 100 reviews.
2011 Forest Ave #3, San Jose, CA 95128, USA
Trusted by hundreds of local clients with a strong 4.7-star rating.
1152 E Julian St Suite #30, San Jose, CA 95116, USA
4.8 stars from 368 Google reviews, reflecting consistent customer satisfaction.
816 N First St #100, San Jose, CA 95112, USA
Top-rated insurance agent in San Jose with a 4.9-star average from 190 reviews.
696 E Santa Clara St #110, San Jose, CA 95112, USA
Rated 5.0 stars from a handful of Google reviews in San Jose.
999 Story Rd UNIT 9063, San Jose, CA 95122, USA
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Insurance Agents in San Jose, CA — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Acceptance Insurance | 98/100 | 4.9 ★ | 1,064 |
| 2 | Freeway Insurance | 97/100 | 4.8 ★ | 1,136 |
| 3 | Cost-U-Less Insurance | 97/100 | 4.8 ★ | 593 |
| 4 | Let's Insure - San Jose | 83/100 | 4.8 ★ | 21 |
| 5 | TayBrook SR22 Insurance California | 67/100 | 5.0 ★ | 4 |
| 6 | Affordable Auto Insurance San Jose | 64/100 | 5.0 ★ | 2 |
| 7 | Leavitt Pacific Insurance Brokers | 94/100 | 4.9 ★ | 119 |
| 8 | Acrisure San Jose, CA | 83/100 | 4.9 ★ | 73 |
| 9 | Balance Insurance Agency Inc | 92/100 | 4.8 ★ | 109 |
| 10 | PHP Insurance Services Inc. | 80/100 | 4.2 ★ | 72 |
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 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.
Insurance Agents in Nearby Cities
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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: July 4, 2026.
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