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Insurance Agents in Smyrna, TN — Free Estimates
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As of June 2026, RatingsNearMe ranks 17 insurance agents in Smyrna, TN by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Valencia Insurance Agency with a 5.0-star rating from 709 Google reviews and an RNM Score of 100/100. 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 10, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Smyrna, Tennessee is home to a variety of insurance agents who can assist consumers with their insurance needs. These agents offer a range of services, including auto, home, life, and business insurance. When searching for an insurance agent locally, consumers should consider factors such as experience, customer reviews, and the range of products and services offered.
- ✓Smyrna, TN has multiple insurance agents to choose from
- ✓Agents offer a variety of insurance products and services
- ✓Consumers should research factors like experience and customer reviews when selecting an insurance agent
How to Choose a Insurance Agent in Smyrna
What to look for
- • Experienced and knowledgeable about insurance products and the local Smyrna, TN market
- • Responsive and communicative throughout the process
- • Able to provide multiple insurance quotes and policy options
- • Positive reviews and recommendations from other Smyrna residents
Questions to ask
- • How long have you been an insurance agent in Smyrna, TN?
- • What types of insurance policies do you specialize in?
- • Can you provide me with quotes from multiple insurance providers?
Red flags
- ⚠ Unwilling to provide references or reviews from past Smyrna clients
- ⚠ Pushes you to make a quick decision without fully understanding your needs
- ⚠ Lacks transparency about commission structures or fees
In Tennessee, insurance agents must be licensed by the Tennessee Department of Commerce and Insurance. Be sure to verify the agent's license and standing before making a hiring decision.
Local Market Snapshot
17
Businesses listed
4.9★
Avg rating
195
Avg reviews
Jun 10, 2026
Last updated
Top Rated Insurance Agents
Top-rated Smyrna insurance agent with a perfect 5.0-star rating from over 700 reviews.
5094 Murfreesboro Rd E, La Vergne, TN 37086, USASmyrna insurance agent with a perfect 5.0-star rating from over 860 reviews.
199 Enon Springs Rd W #300, Smyrna, TN 37167, USARated 5.0 stars from 374 Google reviews, this Smyrna insurance agent is highly trusted.
291 Sam Ridley Pkwy E #145, Smyrna, TN 37167, USAInsurance 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 | Groogan Insurance Group, LLC613 Potomac Pl #203, Smyrna, TN 37167, USA | 4.9★ | 41 |
| #5 | Reynolds Insurance Agency, Inc103 Moore Ave, Smyrna, TN 37167, USA | 4.8★ | 23 |
| #6 | Acceptance Insurance273 N Lowry St Ste L, Smyrna, TN 37167, USA | 4.7★ | 134 |
| #7 | Farmers Insurance - Marc Lewis1241 Rock Springs Rd, Smyrna, TN 37167, USA | 4.9★ | 213 |
| #8 | Fred Parrow, Farmers Insurance240 Mayfield Dr #205, Smyrna, TN 37167, USA | 5.0★ | 63 |
| #9 | Providence Insurance Agency, LLC214 N Lowry St, Smyrna, TN 37167, USA | 4.8★ | 81 |
| #10 | Joel Laird - State Farm Insurance Agent11 N Lowry St, Smyrna, TN 37167, USA | 5.0★ | 148 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Insurance Agents in Smyrna
Trusted by locals with a 4.9-star rating from 41 reviews.
613 Potomac Pl #203, Smyrna, TN 37167, USA
Exceptional 4.8-star rating across 23 Google reviews from local clients.
103 Moore Ave, Smyrna, TN 37167, USA
4.7 stars from over 130 reviews, reflecting strong local trust and service quality.
273 N Lowry St Ste L, Smyrna, TN 37167, USA
Smyrna insurance agent with a stellar 4.9-star rating from over 200 reviews.
1241 Rock Springs Rd, Smyrna, TN 37167, USA
Rated 5.0 stars from 63 Google reviews, this Smyrna insurance agent is highly trusted.
240 Mayfield Dr #205, Smyrna, TN 37167, USA
Holds a 4.8-star rating from 81 Google reviews, reflecting exceptional client satisfaction.
214 N Lowry St, Smyrna, TN 37167, USA
Proudly serving Smyrna with a perfect 5.0-star rating from over 140 reviews.
11 N Lowry St, Smyrna, TN 37167, USA
4.6 stars from over 160 reviews, reflecting strong local trust and satisfaction.
304 S Lowry St, Smyrna, TN 37167, USA
Rated 4.9 stars from 91 Google reviews, this Smyrna insurance agent is highly trusted.
1370 Hazelwood Dr Suite 200, Smyrna, TN 37167, USA
Proudly serving Smyrna with a stellar 4.9-star rating from nearly 160 reviews.
721 President Pl STE 200, Smyrna, TN 37167, USA
Rated 5.0 stars from 2 Google reviews.
200 S Lowry St, Smyrna, TN 37167, USA
Rated 4.8 stars from 78 Google reviews for reliable local service.
429 Nissan Dr Ste 101, Smyrna, TN 37167, USA
Exceptional 4.8-star rating from 144 reviews in Smyrna.
667 President Pl, Smyrna, TN 37167, USA
4.9-star rating from 25 reviews makes this Smyrna insurance agent highly trusted.
1071 Rock Springs Rd, Smyrna, TN 37167, USA
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Insurance Agents in Smyrna, TN — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Valencia Insurance Agency | 100/100 | 5.0 ★ | 709 |
| 2 | Emerson Williams - State Farm Insurance Agent | 92/100 | 5.0 ★ | 865 |
| 3 | Fiesta Auto Insurance & Tax Service | 100/100 | 5.0 ★ | 374 |
| 4 | Groogan Insurance Group, LLC | 89/100 | 4.9 ★ | 41 |
| 5 | Reynolds Insurance Agency, Inc | 84/100 | 4.8 ★ | 23 |
| 6 | Acceptance Insurance | 92/100 | 4.7 ★ | 134 |
| 7 | Farmers Insurance - Marc Lewis | 97/100 | 4.9 ★ | 213 |
| 8 | Fred Parrow, Farmers Insurance | 84/100 | 5.0 ★ | 63 |
| 9 | Providence Insurance Agency, LLC | 82/100 | 4.8 ★ | 81 |
| 10 | Joel Laird - State Farm Insurance Agent | 89/100 | 5.0 ★ | 148 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · June 2026
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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 10, 2026.
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