Near You · St. Augustine
Insurance Agents Near You in St. Augustine, FL
Find insurance agents close to you in St. Augustine. All results are sorted by proximity and rated by real local customers.
As of July 2026, RatingsNearMe ranks 20 insurance agents in St. Augustine, FL by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Christopher Brown - GEICO Insurance Agent with a 4.9-star rating from 373 Google reviews and an RNM Score of 87/100. Also in the top tier: Perry Unwalla - State Farm 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 July 4, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
Herbie Wiles Insurance
Herbie Wiles Insurance stands out as the top-ranked agency due to its long-standing local reputation and comprehensive coverage options tailored to St. Augustine residents.
Most Reviewed
AAA St. Augustine Insurance and Travel
A high review count indicates broad customer experience and trust, making it a reliable indicator of service quality and satisfaction.
When choosing an insurance agent in St. Augustine, consider both local expertise and review volume—local agents like Herbie Wiles offer personalized service, while larger chains like AAA provide extensive resources. Always compare quotes and read reviews to find the best fit for your needs.
Local Market Snapshot
20
Businesses listed
4.7★
Avg rating
133
Avg reviews
Jul 4, 2026
Last updated
Top Rated Insurance Agents
St. Augustine insurance agent with a 4.9-star rating from hundreds of Google reviews.
224 State Rte 312, St. Augustine, FL 32086, USATrusted St. Augustine insurance agent with 4.8 stars from over 400 reviews.
3791 A1A S ste a, St. Augustine, FL 32080, USASt. Augustine insurance agent with a 4.9-star rating from nearly 300 Google reviews.
1797 Old Moultrie Rd STE 111, St. Augustine, FL 32084, USAInsurance Agents Rankings in St. Augustine, FL
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Christopher Brown - GEICO Insurance Agent224 State Rte 312, St. Augustine, FL 32086, USA | 4.9★ | 373 |
| #2 | Perry Unwalla - State Farm Insurance Agent3791 A1A S ste a, St. Augustine, FL 32080, USA | 4.8★ | 422 |
| #3 | Leigh Insurance Agency1797 Old Moultrie Rd STE 111, St. Augustine, FL 32084, USA | 4.9★ | 285 |
| #4 | Ancient City Insurance2800 N 5th St #301, St. Augustine, FL 32084, USA | 4.8★ | 90 |
| #5 | Brightway Insurance, The Casey Agency108 Sea Grove Main St suite b, St. Augustine, FL 32080, USA | 4.9★ | 81 |
| #6 | Thompson Baker Agency, Inc.61 Cordova St, St. Augustine, FL 32084, USA | 4.9★ | 71 |
| #7 | Brightway Insurance, St. Augustine2801 N 3rd St Unit B, St. Augustine, FL 32084, USA | 4.0★ | 34 |
| #8 | Old Town Insurance700 Plantation Island Dr S Suite 104, St. Augustine, FL 32080, USA | 5.0★ | 12 |
| #9 | Kaitlyn Dugger - State Farm Insurance Agent4255 US-1 Ste 9, St. Augustine, FL 32086, USA | 4.9★ | 258 |
| #10 | Tim Huber Insurance28 Clark St, St. Augustine, FL 32084, USA | 4.8★ | 160 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Insurance Agents in St. Augustine
4.8 stars from 90 reviews, reflecting exceptional local client satisfaction.
2800 N 5th St #301, St. Augustine, FL 32084, USA
Rated 4.9 stars from 81 reviews, consistently earning exceptional local client trust.
108 Sea Grove Main St suite b, St. Augustine, FL 32080, USA
Trusted St. Augustine insurance agent with a 4.9-star rating from 71 reviews.
61 Cordova St, St. Augustine, FL 32084, USA
4.0 stars from 34 reviews, reflecting solid local reputation for insurance needs.
2801 N 3rd St Unit B, St. Augustine, FL 32084, USA
Exceptional 5.0-star rating from 12 reviews for a St. Augustine insurance agent.
700 Plantation Island Dr S Suite 104, St. Augustine, FL 32080, USA
4.9 stars from over 250 reviews make this St. Augustine insurer highly trusted.
4255 US-1 Ste 9, St. Augustine, FL 32086, USA
Trusted St. Augustine insurance agent with 4.8 stars from 160 reviews.
28 Clark St, St. Augustine, FL 32084, USA
Trusted by locals with a 4.6-star rating from 148 reviews.
2467 US-1, St. Augustine, FL 32086, USA
Trusted by hundreds of local clients with a 4.9-star rating.
1200 Plantation Island Dr S UNIT 210, St. Augustine, FL 32080, USA
Trusted local insurance agent with a solid 4.1-star rating from 91 Google reviews.
400 N Ponce De Leon Blvd, St. Augustine, FL 32084, USA
4.8 stars from 85 reviews, demonstrating consistent client satisfaction in St. Augustine.
1 Spencer St, St. Augustine, FL 32084, USA
Exceptional 4.9-star rating from over 85 Google reviews in St. Augustine.
101 E Town Pl #225, St. Augustine, FL 32092, USA
St. Augustine insurance agent with a 4.9-star rating from 83 Google reviews.
125 Nix Boat Yard Rd, St. Augustine, FL 32084, USA
Trusted local insurance agent with a 4.1-star rating from 82 Google reviews.
296 State Rte 312, St. Augustine, FL 32086, USA
4.7 stars from 58 reviews, reflecting strong local trust for insurance guidance in St. Augustine.
320 High Tide Dr, St Augustine Beach, FL 32080, USA
Consistently earns 5.0 stars from over a dozen reviews in St. Augustine.
135 Land Grant Street Suite 4, St. Augustine, FL 32092, USA
Rated 4.9 stars from 81 Google reviews, a highly trusted local insurance agent.
212 San Marco Ave Suite D, St. Augustine, FL 32084, USA
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Insurance Agents in St. Augustine, FL — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Christopher Brown - GEICO Insurance Agent | 87/100 | 4.9 ★ | 373 |
| 2 | Perry Unwalla - State Farm Insurance Agent | 85/100 | 4.8 ★ | 422 |
| 3 | Leigh Insurance Agency | 87/100 | 4.9 ★ | 285 |
| 4 | Ancient City Insurance | 79/100 | 4.8 ★ | 90 |
| 5 | Brightway Insurance, The Casey Agency | 81/100 | 4.9 ★ | 81 |
| 6 | Thompson Baker Agency, Inc. | 80/100 | 4.9 ★ | 71 |
| 7 | Brightway Insurance, St. Augustine | 61/100 | 4.0 ★ | 34 |
| 8 | Old Town Insurance | 72/100 | 5.0 ★ | 12 |
| 9 | Kaitlyn Dugger - State Farm Insurance Agent | 87/100 | 4.9 ★ | 258 |
| 10 | Tim Huber Insurance | 83/100 | 4.8 ★ | 160 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · July 2026
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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: July 4, 2026.
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