Best Value · San Leandro
Affordable Insurance Agents in San Leandro, CA
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As of August 2026, RatingsNearMe ranks 19 insurance agents in San Leandro, CA by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Saavedra Longino Organization with a 5.0-star rating from 754 Google reviews and an RNM Score of 88/100. Also in the top tier: Acceptance Insurance and Freeway Insurance. The average rating across all listed insurance agents in San Leandro is 4.8 stars from 176 reviews per business on average.
Insurance in San Leandro: agents are typically paid by commission (5–15% of premium) — no cost to you to compare quotes.
Rankings updated August 23, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
19
Businesses listed
4.8★
Avg rating
176
Avg reviews
Aug 23, 2026
Last updated
Top Rated Insurance Agents
Trusted by hundreds of local clients, this San Leandro agent maintains a perfect 5.0-star rating.
80 Swan Wy #130, Oakland, CA 94621, USA4.9 stars from over 400 reviews makes this San Leandro insurance agent highly trusted.
14799 Washington Ave Ste H, San Leandro, CA 94578, USAHighly rated San Leandro insurance agent with 4.7 stars from nearly 500 reviews.
699 Lewelling Blvd STE 148, San Leandro, CA 94579, USAInsurance Agents Rankings in San Leandro, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Saavedra Longino Organization80 Swan Wy #130, Oakland, CA 94621, USA | 5.0★ | 754 |
| #2 | Acceptance Insurance14799 Washington Ave Ste H, San Leandro, CA 94578, USA | 4.9★ | 404 |
| #3 | Freeway Insurance699 Lewelling Blvd STE 148, San Leandro, CA 94579, USA | 4.7★ | 489 |
| #4 | Ernie Lopez - State Farm Insurance Agent15200 Hesperian Blvd #102, San Leandro, CA 94578, USA | 4.9★ | 118 |
| #5 | Victor James - State Farm Insurance Agent201 MacArthur Blvd Ste A, San Leandro, CA 94577, USA | 4.8★ | 41 |
| #6 | McDermottCosta Insurance1045 MacArthur Blvd, San Leandro, CA 94577, USA | 4.7★ | 34 |
| #7 | Atul Agarwal: Allstate Insurance1831 Marina Blvd, San Leandro, CA 94577, USA | 4.8★ | 411 |
| #8 | Cost-U-Less Insurance579 Floresta Blvd Ste I, San Leandro, CA 94578, USA | 4.8★ | 283 |
| #9 | Edwin Jasper - State Farm Insurance Agent328 Davis St, San Leandro, CA 94577, USA | 4.9★ | 256 |
| #10 | Jerry Garcia - State Farm Insurance Agent15200 Hesperian Blvd #102, San Leandro, CA 94578, USA | 4.9★ | 78 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated August 2026
All Insurance Agents in San Leandro
San Leandro insurance agent with an exceptional 4.9-star rating from over 100 reviews.
15200 Hesperian Blvd #102, San Leandro, CA 94578, USA
Trusted by dozens of local clients, this San Leandro agent holds a stellar 4.8-star rating.
201 MacArthur Blvd Ste A, San Leandro, CA 94577, USA
4.7 stars from 34 reviews, trusted for local insurance guidance.
1045 MacArthur Blvd, San Leandro, CA 94577, USA
Trusted by hundreds of local clients with a 4.8-star average rating.
1831 Marina Blvd, San Leandro, CA 94577, USA
Top-rated San Leandro insurance agent with 4.8 stars from 283 reviews.
579 Floresta Blvd Ste I, San Leandro, CA 94578, USA
Trusted by hundreds of neighbors with a near-perfect 4.9-star rating.
328 Davis St, San Leandro, CA 94577, USA
Rated 4.9 stars from 78 reviews, this San Leandro insurance agent is highly trusted.
15200 Hesperian Blvd #102, San Leandro, CA 94578, USA
4.6 stars from 61 reviews, reflecting strong local client trust.
14381 E 14th St, San Leandro, CA 94578, USA
Rated 4.8 stars from 37 Google reviews by customers in San Leandro.
14393 E 14th St #200, San Leandro, CA 94578, USA
Trusted by hundreds of local clients with a flawless 5.0-star rating.
564 E 14th St, San Leandro, CA 94577, USA
Trusted by over 100 clients for exceptional 5.0★ service in San Leandro.
2450 Washington Ave Ste 208, San Leandro, CA 94577, USA
A solid 4.4-star rating from over 30 reviews in San Leandro.
14620 E 14th St, San Leandro, CA 94578, USA
4.4 stars from 31 reviews, reflecting solid local customer satisfaction.
250 Juana Ave # 201, San Leandro, CA 94577, USA
Rated 5.0 stars from 22 Google reviews, this San Leandro agent is highly trusted.
1005 MacArthur Blvd, San Leandro, CA 94577, USA
Shoppers give this San Leandro insurance agent a solid 4.2 stars from 10 reviews.
2998 Teagarden St, San Leandro, CA 94577, USA
Exceptional 5.0-star rating based on early Google reviews in San Leandro.
1831 Marina Blvd, San Leandro, CA 94577, USA
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Insurance Agents in San Leandro, CA — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Saavedra Longino Organization | 88/100 | 5.0 ★ | 754 |
| 2 | Acceptance Insurance | 87/100 | 4.9 ★ | 404 |
| 3 | Freeway Insurance | 83/100 | 4.7 ★ | 489 |
| 4 | Ernie Lopez - State Farm Insurance Agent | 83/100 | 4.9 ★ | 118 |
| 5 | Victor James - State Farm Insurance Agent | 75/100 | 4.8 ★ | 41 |
| 6 | McDermottCosta Insurance | 73/100 | 4.7 ★ | 34 |
| 7 | Atul Agarwal: Allstate Insurance | 85/100 | 4.8 ★ | 411 |
| 8 | Cost-U-Less Insurance | 85/100 | 4.8 ★ | 283 |
| 9 | Edwin Jasper - State Farm Insurance Agent | 87/100 | 4.9 ★ | 256 |
| 10 | Jerry Garcia - State Farm Insurance Agent | 80/100 | 4.9 ★ | 78 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · August 2026
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Frequently Asked Questions — Insurance Agents in San Leandro
What is the difference between a captive and independent insurance agent in San Leandro?
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 Leandro 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 Leandro?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in San Leandro 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: August 23, 2026.
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