24/7 Available · Smyrna
24-Hour Insurance Agents in Smyrna, TN — Always Available
Emergencies don't keep business hours. These insurance agents in Smyrna are available 24 hours a day, 7 days a week — including holidays.
As of June 2026, RatingsNearMe ranks 17 insurance agents in Smyrna, TN by verified customer ratings and review volume. The highest-rated is Valencia Insurance Agency with a 5.0-star rating from 709 verified reviews. Also in the top tier: Emerson Williams - State Farm Insurance Agent and Fiesta Auto Insurance & Tax Service. The average rating across all listed insurance agents in Smyrna is 4.9 stars from 195 reviews per business on average.
Insurance in Smyrna: agents are typically paid by commission (5–15% of premium) — no cost to you to compare quotes.
Rankings updated June 1, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
17
Businesses listed
4.9★
Avg rating
195
Avg reviews
Jun 1, 2026
Last updated
Top Rated Insurance Agents
Valencia Insurance Agency
5094 Murfreesboro Rd E, La Vergne, TN 37086, USA
Emerson Williams - State Farm Insurance Agent
199 Enon Springs Rd W #300, Smyrna, TN 37167, USA
Fiesta Auto Insurance & Tax Service
291 Sam Ridley Pkwy E #145, Smyrna, TN 37167, USA
Insurance Agents Rankings in Smyrna, TN
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Valencia Insurance Agency5094 Murfreesboro Rd E, La Vergne, TN 37086, USA | 5.0★ | 709 |
| #2 | Emerson Williams - State Farm Insurance Agent199 Enon Springs Rd W #300, Smyrna, TN 37167, USA | 5.0★ | 865 |
| #3 | Fiesta Auto Insurance & Tax Service291 Sam Ridley Pkwy E #145, Smyrna, TN 37167, USA | 5.0★ | 374 |
| #4 | Acceptance Insurance273 N Lowry St Ste L, Smyrna, TN 37167, USA | 4.7★ | 134 |
| #5 | Reynolds Insurance Agency, Inc103 Moore Ave, Smyrna, TN 37167, USA | 4.8★ | 23 |
| #6 | Farmers Insurance - Marc Lewis1241 Rock Springs Rd, Smyrna, TN 37167, USA | 4.9★ | 213 |
| #7 | Barrett Insurance Agency1071 Rock Springs Rd, Smyrna, TN 37167, USA | 4.9★ | 25 |
| #8 | Groogan Insurance Group, LLC613 Potomac Pl #203, Smyrna, TN 37167, USA | 4.9★ | 41 |
| #9 | Farm Bureau Insurance667 President Pl, Smyrna, TN 37167, USA | 4.8★ | 144 |
| #10 | Providence Insurance Agency, LLC214 N Lowry St, Smyrna, TN 37167, USA | 4.8★ | 81 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Insurance Agents in Smyrna
Acceptance Insurance
273 N Lowry St Ste L, Smyrna, TN 37167, USA
Reynolds Insurance Agency, Inc
103 Moore Ave, Smyrna, TN 37167, USA
Farmers Insurance - Marc Lewis
1241 Rock Springs Rd, Smyrna, TN 37167, USA
Barrett Insurance Agency
1071 Rock Springs Rd, Smyrna, TN 37167, USA
Groogan Insurance Group, LLC
613 Potomac Pl #203, Smyrna, TN 37167, USA
The Treece Agency
1370 Hazelwood Dr Suite 200, Smyrna, TN 37167, USA
Ronald Steed: Allstate Insurance
429 Nissan Dr Ste 101, Smyrna, TN 37167, USA
Monte King - State Farm Insurance Agent
721 President Pl STE 200, Smyrna, TN 37167, USA
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Frequently Asked Questions — Insurance Agents in Smyrna
What is the difference between a captive and independent insurance agent in Smyrna?
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 TN?
Search the TN Department of Insurance's online license lookup — Google "TN 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 TN must be licensed with the state.
How much does working with a local insurance agent in Smyrna 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 Smyrna?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Smyrna 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: June 1, 2026.
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