Verified · Surprise
Trusted Insurance Agents in Surprise, AZ
Trust matters when you're inviting a pro into your home or business. These insurance agents in Surprise have earned it through hundreds of verified reviews.
As of May 2026, RatingsNearMe ranks 19 insurance agents in Surprise, AZ by verified customer ratings and review volume. The highest-rated is Inszone Insurance Services with a 5.0-star rating from 544 verified reviews. 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 May 17, 2026 · Scored by 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
May 17, 2026
Last updated
Top Rated Insurance Agents
Inszone Insurance Services
13540 W Camino Del Sol Suite 13, Sun City West, AZ 85375, USA
Freeway Insurance
11922 W Thunderbird Rd, El Mirage, AZ 85335, USA
Oasis Insurance
12751 W Bell Rd Suite 129, Surprise, AZ 85378, USA
Insurance 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 | Collins & Foster Car Insurance Agency13365 N 134th Dr, Surprise, AZ 85378, USA | 5.0★ | 4 |
| #5 | American Insurance Benefits - Andy Orlikoff14955 W Bell Rd #8031, Surprise, AZ 85374, USA | 4.9★ | 264 |
| #6 | HealthMarkets Insurance Broker - Polly Chan16054 W Shaw Butte Dr, Surprise, AZ 85379, USA | 5.0★ | 33 |
| #7 | Surprise insurance agency15495 N Reems Rd, Surprise, AZ 85374, USA | 4.6★ | 9 |
| #8 | Moore Insurance Agency15282 W Brookside Ln, Surprise, AZ 85374, USA | 5.0★ | 54 |
| #9 | InsuranceBeacon.com15270 W Brookside Ln Ste 125, Surprise, AZ 85374, USA | 4.9★ | 185 |
| #10 | R. Lopez Agency & Associates, LLC American Family Insurance13431 W Westgate Dr #101, Surprise, AZ 85378, USA | 5.0★ | 4 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Insurance Agents in Surprise
Collins & Foster Car Insurance Agency
13365 N 134th Dr, Surprise, AZ 85378, USA
American Insurance Benefits - Andy Orlikoff
14955 W Bell Rd #8031, Surprise, AZ 85374, USA
HealthMarkets Insurance Broker - Polly Chan
16054 W Shaw Butte Dr, Surprise, AZ 85379, USA
Surprise insurance agency
15495 N Reems Rd, Surprise, AZ 85374, USA
Moore Insurance Agency
15282 W Brookside Ln, Surprise, AZ 85374, USA
InsuranceBeacon.com
15270 W Brookside Ln Ste 125, Surprise, AZ 85374, USA
R. Lopez Agency & Associates, LLC American Family Insurance
13431 W Westgate Dr #101, Surprise, AZ 85378, USA
Giles & Iten Insurance
11503 W Bell Rd Suite C, Surprise, AZ 85378, USA
Watson & Watson SR22 Insurance
16625 W Waddell Rd, Surprise, AZ 85388, USA
Michele Fanelli - State Farm Insurance Agent
18789 N Reems Rd Ste 200, Surprise, AZ 85374, USA
Lisa RO Ross - State Farm Insurance Agent
14827 W Bell Rd Ste 101, Surprise, AZ 85374, USA
Now Choose Life, LLC
14514 W Grand Ave Ste. 106, Surprise, AZ 85374, USA
Compare Medicare
13711 W Camino Del Sol Suite C4, Sun City West, AZ 85375, USA
The LaChance Insurance Agency
14245 W Grand Ave Ste 3, Surprise, AZ 85374, USA
Aabar Insurance Services, Inc.
15027 W Bell Rd # 150, Surprise, AZ 85374, USA
Sands Insurance Agency: Allstate Insurance
13474 N Autoshow Ave, Surprise, AZ 85388, USA
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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.
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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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