Real Reviews · Silver Spring
Top-Reviewed Insurance Agents in Silver Spring, MD
What are customers actually saying? Read verified reviews for insurance agents in Silver Spring — every rating is from a real customer.
As of May 2026, RatingsNearMe ranks 20 insurance agents in Silver Spring, MD by verified customer ratings and review volume. The highest-rated is Universal Insurance Group with a 5.0-star rating from 722 verified reviews. Also in the top tier: Chris Aguirre - State Farm Insurance Agent and ZELAYA INSURANCE AND BUSINESS SERVICES LLC. The average rating across all listed insurance agents in Silver Spring is 4.7 stars from 159 reviews per business on average.
Insurance in Silver Spring: 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
20
Businesses listed
4.7★
Avg rating
159
Avg reviews
May 17, 2026
Last updated
Top Rated Insurance Agents
Universal Insurance Group
11161 New Hampshire Ave # 400, Silver Spring, MD 20904, USA
Chris Aguirre - State Farm Insurance Agent
8455 Colesville Rd Unit 970, Silver Spring, MD 20910, USA
ZELAYA INSURANCE AND BUSINESS SERVICES LLC
14021 Georgia Ave Ste C-2, Silver Spring, MD 20906, USA
Insurance Agents Rankings in Silver Spring, MD
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Universal Insurance Group11161 New Hampshire Ave # 400, Silver Spring, MD 20904, USA | 5.0★ | 722 |
| #2 | Chris Aguirre - State Farm Insurance Agent8455 Colesville Rd Unit 970, Silver Spring, MD 20910, USA | 4.9★ | 671 |
| #3 | ZELAYA INSURANCE AND BUSINESS SERVICES LLC14021 Georgia Ave Ste C-2, Silver Spring, MD 20906, USA | 4.9★ | 238 |
| #4 | ERIE Insurance - Harders & Bradford Insurance Agency512 E Randolph Rd L, Silver Spring, MD 20904, USA | 4.9★ | 86 |
| #5 | New Era Insurance Agency912 Thayer Ave Suite 202, Silver Spring, MD 20910, USA | 3.7★ | 17 |
| #6 | Nationwide Insurance: Won K. Kim Insurance Agency, Inc.12111 Heritage Park Cir, Silver Spring, MD 20906, USA | 4.9★ | 60 |
| #7 | Cindi Scafide - State Farm Insurance Agent8403 Colesville Rd #1100, Silver Spring, MD 20910, USA | 4.9★ | 215 |
| #8 | Homa Sharma: Allstate Insurance8209 Fenton St #5, Silver Spring, MD 20910, USA | 4.8★ | 36 |
| #9 | HealthMarkets Insurance - Jonathan Saltzman12501 Prosperity Dr, Silver Spring, MD 20904, USA | 5.0★ | 199 |
| #10 | One Stop Insurance Agency, LLC An ERIE Insurance Representative10800 Lockwood Dr Ste 201A, Silver Spring, MD 20901, USA | 4.3★ | 16 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Insurance Agents in Silver Spring
ERIE Insurance - Harders & Bradford Insurance Agency
512 E Randolph Rd L, Silver Spring, MD 20904, USA
New Era Insurance Agency
912 Thayer Ave Suite 202, Silver Spring, MD 20910, USA
Nationwide Insurance: Won K. Kim Insurance Agency, Inc.
12111 Heritage Park Cir, Silver Spring, MD 20906, USA
Cindi Scafide - State Farm Insurance Agent
8403 Colesville Rd #1100, Silver Spring, MD 20910, USA
Homa Sharma: Allstate Insurance
8209 Fenton St #5, Silver Spring, MD 20910, USA
HealthMarkets Insurance - Jonathan Saltzman
12501 Prosperity Dr, Silver Spring, MD 20904, USA
One Stop Insurance Agency, LLC An ERIE Insurance Representative
10800 Lockwood Dr Ste 201A, Silver Spring, MD 20901, USA
Dominguez Insurance Agency
7676 New Hampshire Ave Ste 305A, Takoma Park, MD 20912, USA
Bethesda General Insurance
13975 Connecticut Ave #205, Silver Spring, MD 20906, USA
Yasmin Insurance Agency
1331 Holton Ln, Takoma Park, MD 20912, USA
Shalom Insurance Agency, LLC
10770 Columbia Pike #250, Silver Spring, MD 20901, USA
RightAway Insurance of Silver Spring Maryland
1900 Lyttonsville Rd, Silver Spring, MD 20910, USA
Gomez Insurance Co
1751 Elton Rd #110, Silver Spring, MD 20903, USA
Antonio Thomas - State Farm Insurance Agent
912 Thayer Ave Suite 200, Silver Spring, MD 20910, USA
ACG Insurance Services
817 Silver Spring Ave #100, Silver Spring, MD 20910, USA
Carmen Moya - State Farm Insurance Agent
16 University Blvd E Suite B, Silver Spring, MD 20901, USA
Ashley Deadwyler-Jones - State Farm Insurance Agent
12057 Tech Rd b, Silver Spring, MD 20904, USA
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Frequently Asked Questions — Insurance Agents in Silver Spring
What is the difference between a captive and independent insurance agent in Silver Spring?
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 MD?
Search the MD Department of Insurance's online license lookup — Google "MD 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 MD must be licensed with the state.
How much does working with a local insurance agent in Silver Spring 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 Silver Spring?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Silver Spring 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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