4.5+ Stars · Surprise
Highly Rated Insurance Agents in Surprise, AZ
Only the best make this list. These insurance agents in Surprise have earned 4.5+ star ratings from real customers — consistently.
As of July 2026, RatingsNearMe ranks 19 insurance agents in Surprise, AZ by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Inszone Insurance Services with a 5.0-star rating from 544 Google reviews and an RNM Score of 88/100. Also in the top tier: Freeway Insurance and Oasis Insurance. The average rating across all listed insurance agents in Surprise is 4.9 stars from 174 reviews per business on average.
Insurance in Surprise: 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.
Local Market Snapshot
19
Businesses listed
4.9★
Avg rating
174
Avg reviews
Jul 4, 2026
Last updated
Top Rated Insurance Agents
Top-rated Surprise insurance agent with 5.0 stars from over 500 reviews.
13540 W Camino Del Sol Suite 13, Sun City West, AZ 85375, USATop-rated Surprise insurance agent with 4.9 stars from over 560 reviews.
11922 W Thunderbird Rd, El Mirage, AZ 85335, USATrusted by hundreds with a 4.9-star rating for local insurance guidance.
12751 W Bell Rd Suite 129, Surprise, AZ 85378, USAInsurance Agents Rankings in Surprise, AZ
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Inszone Insurance Services13540 W Camino Del Sol Suite 13, Sun City West, AZ 85375, USA | 5.0★ | 544 |
| #2 | Freeway Insurance11922 W Thunderbird Rd, El Mirage, AZ 85335, USA | 4.9★ | 565 |
| #3 | Oasis Insurance12751 W Bell Rd Suite 129, Surprise, AZ 85378, USA | 4.9★ | 490 |
| #4 | Giles & Iten Insurance11503 W Bell Rd Suite C, Surprise, AZ 85378, USA | 5.0★ | 47 |
| #5 | The LaChance Insurance Agency14245 W Grand Ave Ste 3, Surprise, AZ 85374, USA | 5.0★ | 44 |
| #6 | Lisa RO Ross - State Farm Insurance Agent14827 W Bell Rd Ste 101, Surprise, AZ 85374, USA | 4.8★ | 385 |
| #7 | American Insurance Benefits - Andy Orlikoff14955 W Bell Rd #8031, Surprise, AZ 85374, USA | 4.9★ | 264 |
| #8 | Michele Fanelli - State Farm Insurance Agent18789 N Reems Rd Ste 200, Surprise, AZ 85374, USA | 4.9★ | 225 |
| #9 | Compare Medicare13711 W Camino Del Sol Suite C4, Sun City West, AZ 85375, USA | 4.9★ | 201 |
| #10 | InsuranceBeacon.com15270 W Brookside Ln Ste 125, Surprise, AZ 85374, USA | 4.9★ | 185 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Insurance Agents in Surprise
Rated 5.0 stars from 47 Google reviews, this Surprise agent is highly trusted.
11503 W Bell Rd Suite C, Surprise, AZ 85378, USA
Exceptional 5.0-star rating from 44 Google reviews in Surprise, AZ.
14245 W Grand Ave Ste 3, Surprise, AZ 85374, USA
Trusted by hundreds of locals with a stellar 4.8-star rating.
14827 W Bell Rd Ste 101, Surprise, AZ 85374, USA
Trusted by hundreds of local clients with a stellar 4.9-star rating.
14955 W Bell Rd #8031, Surprise, AZ 85374, USA
Trusted by hundreds of local clients with an exceptional 4.9-star average rating.
18789 N Reems Rd Ste 200, Surprise, AZ 85374, USA
Trusted by hundreds with a stellar 4.9-star rating from over 200 Google reviews.
13711 W Camino Del Sol Suite C4, Sun City West, AZ 85375, USA
Trusted by clients with a stellar 4.9-star rating from hundreds of reviews.
15270 W Brookside Ln Ste 125, Surprise, AZ 85374, USA
Trusted by 54 clients, this Surprise agent boasts a flawless 5.0-star rating.
15282 W Brookside Ln, Surprise, AZ 85374, USA
Known for a strong 4.6-star rating from 9 Google reviews in Surprise.
15495 N Reems Rd, Surprise, AZ 85374, USA
5.0 stars from 4 Google reviews, reflecting exceptional local service.
13365 N 134th Dr, Surprise, AZ 85378, USA
5.0-star rating from 3 Google reviews reflects exceptional local service.
16625 W Waddell Rd, Surprise, AZ 85388, USA
This insurance agent in Surprise, AZ has no customer reviews yet.
14514 W Grand Ave Ste. 106, Surprise, AZ 85374, USA
Shopper reviews give this Surprise insurance agent a solid 3.9-star rating from 36 customers.
13474 N Autoshow Ave, Surprise, AZ 85388, USA
Exceptional 5.0-star rating from 33 reviews in Surprise, AZ.
16054 W Shaw Butte Dr, Surprise, AZ 85379, USA
5.0 stars from 4 Google reviews for an insurance agent in Surprise.
13431 W Westgate Dr #101, Surprise, AZ 85378, USA
Trusted by locals with a 4.9-star rating from 36 reviews.
15027 W Bell Rd # 150, Surprise, AZ 85374, USA
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Insurance Agents in Surprise, AZ — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Inszone Insurance Services | 88/100 | 5.0 ★ | 544 |
| 2 | Freeway Insurance | 87/100 | 4.9 ★ | 565 |
| 3 | Oasis Insurance | 87/100 | 4.9 ★ | 490 |
| 4 | Giles & Iten Insurance | 79/100 | 5.0 ★ | 47 |
| 5 | The LaChance Insurance Agency | 79/100 | 5.0 ★ | 44 |
| 6 | Lisa RO Ross - State Farm Insurance Agent | 85/100 | 4.8 ★ | 385 |
| 7 | American Insurance Benefits - Andy Orlikoff | 87/100 | 4.9 ★ | 264 |
| 8 | Michele Fanelli - State Farm Insurance Agent | 86/100 | 4.9 ★ | 225 |
| 9 | Compare Medicare | 85/100 | 4.9 ★ | 201 |
| 10 | InsuranceBeacon.com | 85/100 | 4.9 ★ | 185 |
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 Surprise
What is the difference between a captive and independent insurance agent in Surprise?
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 AZ?
Search the AZ Department of Insurance's online license lookup — Google "AZ 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 AZ must be licensed with the state.
How much does working with a local insurance agent in Surprise 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 Surprise?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Surprise 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.
Insurance Agents in Nearby Cities
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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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