Pricing Guide · St. Augustine
Insurance Agents Cost in St. Augustine, FL — 2026 Price Guide
What should you pay for insurance agents in St. Augustine? See real 2026 price ranges from local pros and get free quotes to compare.
As of May 2026, RatingsNearMe ranks 20 insurance agents in St. Augustine, FL by verified customer ratings and review volume. The highest-rated is Perry Unwalla - State Farm Insurance Agent with a 4.8-star rating from 422 verified reviews. Also in the top tier: Christopher Brown - GEICO Insurance Agent and Leigh Insurance Agency. The average rating across all listed insurance agents in St. Augustine is 4.7 stars from 133 reviews per business on average.
Insurance in St. Augustine: 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
133
Avg reviews
May 17, 2026
Last updated
Top Rated Insurance Agents
Perry Unwalla - State Farm Insurance Agent
3791 A1A S ste a, St. Augustine, FL 32080, USA
Christopher Brown - GEICO Insurance Agent
224 State Rte 312, St. Augustine, FL 32086, USA
Leigh Insurance Agency
1797 Old Moultrie Rd STE 111, St. Augustine, FL 32084, USA
Insurance Agents Rankings in St. Augustine, FL
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Perry Unwalla - State Farm Insurance Agent3791 A1A S ste a, St. Augustine, FL 32080, USA | 4.8★ | 422 |
| #2 | Christopher Brown - GEICO Insurance Agent224 State Rte 312, St. Augustine, FL 32086, USA | 4.9★ | 373 |
| #3 | Leigh Insurance Agency1797 Old Moultrie Rd STE 111, St. Augustine, FL 32084, USA | 4.9★ | 285 |
| #4 | Herbie Wiles Insurance400 N Ponce De Leon Blvd, St. Augustine, FL 32084, USA | 4.1★ | 91 |
| #5 | Tim Huber Insurance28 Clark St, St. Augustine, FL 32084, USA | 4.8★ | 160 |
| #6 | GreatFlorida Insurance: Julie Zaytsev135 Land Grant Street Suite 4, St. Augustine, FL 32092, USA | 5.0★ | 16 |
| #7 | Benchmark Insurance1 Spencer St, St. Augustine, FL 32084, USA | 4.8★ | 85 |
| #8 | The Bailey Group – An NFP Company1200 Plantation Island Dr S UNIT 210, St. Augustine, FL 32080, USA | 4.9★ | 144 |
| #9 | Fender Insurance Agency101 E Town Pl #225, St. Augustine, FL 32092, USA | 4.9★ | 85 |
| #10 | Britni Burkins: Allstate Insurance125 Nix Boat Yard Rd, St. Augustine, FL 32084, USA | 4.9★ | 83 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Insurance Agents in St. Augustine
Herbie Wiles Insurance
400 N Ponce De Leon Blvd, St. Augustine, FL 32084, USA
Tim Huber Insurance
28 Clark St, St. Augustine, FL 32084, USA
GreatFlorida Insurance: Julie Zaytsev
135 Land Grant Street Suite 4, St. Augustine, FL 32092, USA
Benchmark Insurance
1 Spencer St, St. Augustine, FL 32084, USA
The Bailey Group – An NFP Company
1200 Plantation Island Dr S UNIT 210, St. Augustine, FL 32080, USA
Fender Insurance Agency
101 E Town Pl #225, St. Augustine, FL 32092, USA
Britni Burkins: Allstate Insurance
125 Nix Boat Yard Rd, St. Augustine, FL 32084, USA
Seaman's Insurance Group
320 High Tide Dr, St Augustine Beach, FL 32080, USA
Kaitlyn Dugger - State Farm Insurance Agent
4255 US-1 Ste 9, St. Augustine, FL 32086, USA
Brightway Insurance, St. Augustine
2801 N 3rd St Unit B, St. Augustine, FL 32084, USA
AAA St. Augustine Insurance and Travel
296 State Rte 312, St. Augustine, FL 32086, USA
Direct Auto Insurance
2467 US-1, St. Augustine, FL 32086, USA
Old Town Insurance
700 Plantation Island Dr S Suite 104, St. Augustine, FL 32080, USA
Thompson Baker Agency, Inc.
61 Cordova St, St. Augustine, FL 32084, USA
Ancient City Insurance
2800 N 5th St #301, St. Augustine, FL 32084, USA
Oldest City Insurance
212 San Marco Ave Suite D, St. Augustine, FL 32084, USA
Brightway Insurance, The Casey Agency
108 Sea Grove Main St suite b, St. Augustine, FL 32080, USA
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Frequently Asked Questions — Insurance Agents in St. Augustine
What is the difference between a captive and independent insurance agent in St. Augustine?
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 FL?
Search the FL Department of Insurance's online license lookup — Google "FL 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 FL must be licensed with the state.
How much does working with a local insurance agent in St. Augustine 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 St. Augustine?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in St. Augustine 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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