10+ Years · Santee
Experienced Insurance Agents in Santee, CA
Experience matters. These insurance agents in Santee have years of proven work behind them — and the reviews to back it up.
As of May 2026, RatingsNearMe ranks 16 insurance agents in Santee, CA by verified customer ratings and review volume. The highest-rated is Farmers Insurance - Matthew Welty with a 4.9-star rating from 164 verified reviews. Also in the top tier: Freeway Insurance and Farmers Insurance - Davis Stanforth. The average rating across all listed insurance agents in Santee is 4.5 stars from 60 reviews per business on average.
Insurance in Santee: 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
16
Businesses listed
4.5★
Avg rating
60
Avg reviews
May 17, 2026
Last updated
Top Rated Insurance Agents
Farmers Insurance - Matthew Welty
10769 Woodside Ave Ste 103, Santee, CA 92071, USA
Farmers Insurance - Davis Stanforth
8680 Navajo Rd #214, San Diego, CA 92119, USA
Insurance Agents Rankings in Santee, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Farmers Insurance - Matthew Welty10769 Woodside Ave Ste 103, Santee, CA 92071, USA | 4.9★ | 164 |
| #2 | Freeway Insurance9715 Mission Gorge Rd, Santee, CA 92071, USA | 4.9★ | 139 |
| #3 | Farmers Insurance - Davis Stanforth8680 Navajo Rd #214, San Diego, CA 92119, USA | 5.0★ | 97 |
| #4 | Farmers Insurance - Michael Clinkenbeard235 Town Center Pkwy Ste J, Santee, CA 92071, USA | 3.4★ | 27 |
| #5 | Levy Feiteira: Allstate Insurance9225 Carlton Hills Blvd UNIT 6, Santee, CA 92071, USA | 4.8★ | 84 |
| #6 | Farmers Insurance - Robert Thomas9307 Carlton Hills Blvd Ste F, Santee, CA 92071, USA | 4.7★ | 23 |
| #7 | Greg Johnson - State Farm Insurance Agent9665 Mission Gorge Rd Ste C1, Santee, CA 92071, USA | 4.9★ | 111 |
| #8 | Jim Kelly: Allstate Insurance9600 Cuyamaca St STE 204, Santee, CA 92071, USA | 3.9★ | 81 |
| #9 | TRUE PRO INSURANCE SERVICES8733 Magnolia Ave # 141, Santee, CA 92071, USA | 4.3★ | 14 |
| #10 | James Cassady - State Farm Insurance Agent9560 Cuyamaca St #104a, Santee, CA 92071, USA | 4.5★ | 39 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Insurance Agents in Santee
Farmers Insurance - Michael Clinkenbeard
235 Town Center Pkwy Ste J, Santee, CA 92071, USA
Levy Feiteira: Allstate Insurance
9225 Carlton Hills Blvd UNIT 6, Santee, CA 92071, USA
Farmers Insurance - Robert Thomas
9307 Carlton Hills Blvd Ste F, Santee, CA 92071, USA
Greg Johnson - State Farm Insurance Agent
9665 Mission Gorge Rd Ste C1, Santee, CA 92071, USA
Jim Kelly: Allstate Insurance
9600 Cuyamaca St STE 204, Santee, CA 92071, USA
TRUE PRO INSURANCE SERVICES
8733 Magnolia Ave # 141, Santee, CA 92071, USA
James Cassady - State Farm Insurance Agent
9560 Cuyamaca St #104a, Santee, CA 92071, USA
Mary Lowe - State Farm Insurance Agent
9466 Cuyamaca St STE 101, Santee, CA 92071, USA
California Insurance Services
10201 Mission Gorge Rd, Santee, CA 92071, USA
Rob Robinson - State Farm Insurance Agent
9560 Cuyamaca St STE 104, Santee, CA 92071, USA
Randy Werner - State Farm Insurance Agent
9466 Cuyamaca St STE 101, Santee, CA 92071, USA
Allegiant Insurance Services
9600 Cuyamaca St, Santee, CA 92071, USA
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Frequently Asked Questions — Insurance Agents in Santee
What is the difference between a captive and independent insurance agent in Santee?
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 Santee 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 Santee?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Santee 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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