24/7 Available · Santa Rosa
24-Hour Insurance Agents in Santa Rosa, CA — Always Available
Emergencies don't keep business hours. These insurance agents in Santa Rosa are available 24 hours a day, 7 days a week — including holidays.
As of July 2026, RatingsNearMe ranks 20 insurance agents in Santa Rosa, CA by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Health For California - Covered CA Enrollment with a 5.0-star rating from 9,582 Google reviews and an RNM Score of 88/100. Also in the top tier: Eddie Sandoval - State Farm Insurance Agent and Acceptance Insurance. The average rating across all listed insurance agents in Santa Rosa is 4.7 stars from 643 reviews per business on average.
Insurance in Santa Rosa: 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
Carmel Curiel Larios - State Farm Insurance Agent
Consistently top-ranked for personalized service and comprehensive coverage options, making it a standout choice among Santa Rosa insurance agents.
Most Reviewed
AAA Santa Rosa Farmers Lane Branch
A high review count indicates broad customer experience and trust, helping you gauge service reliability and satisfaction from a large sample.
Compare quotes and coverage details from multiple agents, as top rankings can reflect different strengths like customer service or pricing. Always read recent reviews to ensure the agent meets your specific needs.
Local Market Snapshot
20
Businesses listed
4.7★
Avg rating
643
Avg reviews
Jul 4, 2026
Last updated
Top Rated Insurance Agents
Highly trusted Santa Rosa insurance agent with a perfect 5.0 rating from thousands of reviews.
4000 Montgomery Dr d7, Santa Rosa, CA 95405, USATop-rated Santa Rosa insurance agent with a 4.9 average from 267 Google reviews.
348 College Ave, Santa Rosa, CA 95401, USATrusted by hundreds of local clients with a stellar 4.8-star average rating.
1331 Guerneville Rd Ste R, Santa Rosa, CA 95403, USAInsurance Agents Rankings in Santa Rosa, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Health For California - Covered CA Enrollment4000 Montgomery Dr d7, Santa Rosa, CA 95405, USA | 5.0★ | 9,582 |
| #2 | Eddie Sandoval - State Farm Insurance Agent348 College Ave, Santa Rosa, CA 95401, USA | 4.9★ | 267 |
| #3 | Acceptance Insurance1331 Guerneville Rd Ste R, Santa Rosa, CA 95403, USA | 4.8★ | 296 |
| #4 | George Petersen Insurance Agency175 W College Ave, Santa Rosa, CA 95401, USA | 3.9★ | 15 |
| #5 | Sadler & Company Insurance Brokers902 Stevenson St, Santa Rosa, CA 95404, USA | 4.7★ | 9 |
| #6 | AAA Santa Rosa Mendocino Avenue Branch2180 Mendocino Ave, Santa Rosa, CA 95401, USA | 4.4★ | 458 |
| #7 | Cost-U-Less Insurance2790 Santa Rosa Ave STE E, Santa Rosa, CA 95407, USA | 4.6★ | 196 |
| #8 | Farmers Insurance - Frank Nappi618 4th St Ste 213&215, Santa Rosa, CA 95404, USA | 5.0★ | 55 |
| #9 | Loewen Insurance Services100 Stony Point Rd # 270, Santa Rosa, CA 95401, USA | 4.8★ | 48 |
| #10 | Lehr Insurance Agency, Inc.: Allstate Insurance2240 Professional Dr, Santa Rosa, CA 95403, USA | 4.4★ | 47 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Insurance Agents in Santa Rosa
A Santa Rosa insurance agent with a 3.9-star rating from 15 Google reviews.
175 W College Ave, Santa Rosa, CA 95401, USA
4.7 stars from 9 reviews, reflecting strong local customer satisfaction in Santa Rosa.
902 Stevenson St, Santa Rosa, CA 95404, USA
Trusted by hundreds of local clients, this agent maintains a strong 4.4-star rating.
2180 Mendocino Ave, Santa Rosa, CA 95401, USA
Trusted by hundreds of clients with a strong 4.6-star rating in Santa Rosa.
2790 Santa Rosa Ave STE E, Santa Rosa, CA 95407, USA
Consistently rated 5.0 stars from 55 Google reviews in Santa Rosa.
618 4th St Ste 213&215, Santa Rosa, CA 95404, USA
4.8 stars from 48 Google reviews, reflecting exceptional local client satisfaction.
100 Stony Point Rd # 270, Santa Rosa, CA 95401, USA
4.4 stars from 47 reviews, reflecting consistent local customer satisfaction.
2240 Professional Dr, Santa Rosa, CA 95403, USA
4.4 stars from 375 reviews, reflecting consistent customer satisfaction.
1501 Farmers Ln, Santa Rosa, CA 95405, USA
Santa Rosa insurance agent with 4.7 stars from over 300 reviews.
320 W 3rd St Ste F, Santa Rosa, CA 95401, USA
Trusted by hundreds of local clients with a 4.8-star average rating.
620 College Ave, Santa Rosa, CA 95404, USA
Top-rated Santa Rosa insurance agent with 4.9 stars from nearly 200 reviews.
1630 Sebastopol Rd #102, Santa Rosa, CA 95407, USA
Trusted by hundreds of local clients with a 4.8-star average rating.
2616 Santa Rosa Ave, Santa Rosa, CA 95407, USA
A 4.9-star rating from over 130 Google reviews reflects exceptional local service.
726 Mendocino Ave, Santa Rosa, CA 95401, USA
69 Google reviews average 4.9 stars, reflecting exceptional local client satisfaction.
726 Mendocino Ave Ste A, Santa Rosa, CA 95401, USA
A trusted local agent with 40 glowing reviews and a near-perfect 4.9-star rating.
445 Orchard St # 111, Santa Rosa, CA 95404, USA
Trusted by local clients, holding a strong 4.6-star rating from 68 Google reviews.
443 Dutton Ave, Santa Rosa, CA 95407, USA
A local insurance agent with a 4.8-star rating from over 200 Google reviews.
1260 N Dutton Ave #110, Santa Rosa, CA 95401, USA
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Insurance Agents in Santa Rosa, CA — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Health For California - Covered CA Enrollment | 88/100 | 5.0 ★ | 9,582 |
| 2 | Eddie Sandoval - State Farm Insurance Agent | 87/100 | 4.9 ★ | 267 |
| 3 | Acceptance Insurance | 85/100 | 4.8 ★ | 296 |
| 4 | George Petersen Insurance Agency | 55/100 | 3.9 ★ | 15 |
| 5 | Sadler & Company Insurance Brokers | 66/100 | 4.7 ★ | 9 |
| 6 | AAA Santa Rosa Mendocino Avenue Branch | 78/100 | 4.4 ★ | 458 |
| 7 | Cost-U-Less Insurance | 80/100 | 4.6 ★ | 196 |
| 8 | Farmers Insurance - Frank Nappi | 80/100 | 5.0 ★ | 55 |
| 9 | Loewen Insurance Services | 76/100 | 4.8 ★ | 48 |
| 10 | Lehr Insurance Agency, Inc.: Allstate Insurance | 69/100 | 4.4 ★ | 47 |
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 Santa Rosa
What is the difference between a captive and independent insurance agent in Santa Rosa?
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 Santa Rosa 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 Santa Rosa?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Santa Rosa 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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