Licensed · Toledo
Licensed & Insured Insurance Agents in Toledo, OH
Every insurance agents listed here carries proper licensing and insurance in OH. Protect yourself — always verify credentials before work begins.
As of May 2026, RatingsNearMe ranks 18 insurance agents in Toledo, OH by verified customer ratings and review volume. The highest-rated is Martin & Lark Insurance Agency with a 4.9-star rating from 630 verified reviews. Also in the top tier: Knight Insurance Group and T-Mychals Darrington Agency, LLC American Family Insurance. The average rating across all listed insurance agents in Toledo is 4.7 stars from 146 reviews per business on average.
Insurance in Toledo: 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
18
Businesses listed
4.7★
Avg rating
146
Avg reviews
May 17, 2026
Last updated
Top Rated Insurance Agents
Martin & Lark Insurance Agency
1265 Dixie Hwy, Rossford, OH 43460, USA
Knight Insurance Group
22 N Erie St, Toledo, OH 43604, USA
T-Mychals Darrington Agency, LLC American Family Insurance
1455 S Reynolds Rd, Toledo, OH 43615, USA
Insurance Agents Rankings in Toledo, OH
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Martin & Lark Insurance Agency1265 Dixie Hwy, Rossford, OH 43460, USA | 4.9★ | 630 |
| #2 | Knight Insurance Group22 N Erie St, Toledo, OH 43604, USA | 5.0★ | 322 |
| #3 | T-Mychals Darrington Agency, LLC American Family Insurance1455 S Reynolds Rd, Toledo, OH 43615, USA | 5.0★ | 284 |
| #4 | Gus Badra Agency - Insurance Brokers3454 Oak Alley Ct #106, Toledo, OH 43606, USA | 4.7★ | 216 |
| #5 | Fuller & Sons Insurance Agency LLC5660 Southwyck Blvd Suite 200A, Toledo, OH 43614, USA | 4.9★ | 104 |
| #6 | Acceptance Insurance3606 W Sylvania Ave, Toledo, OH 43623, USA | 4.6★ | 243 |
| #7 | Coyle Insurance4052 N Holland Sylvania Rd, Toledo, OH 43623, USA | 4.9★ | 60 |
| #8 | RBI Insurance Agency & Financial Services3421 N Holland Sylvania Rd, Toledo, OH 43615, USA | 4.9★ | 210 |
| #9 | Westgate Insurance Agency3450 Central Ave #344, Toledo, OH 43606, USA | 3.5★ | 28 |
| #10 | Rezbanyay Insurance Agency505 Main St, Toledo, OH 43605, USA | 4.8★ | 88 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Insurance Agents in Toledo
Gus Badra Agency - Insurance Brokers
3454 Oak Alley Ct #106, Toledo, OH 43606, USA
Fuller & Sons Insurance Agency LLC
5660 Southwyck Blvd Suite 200A, Toledo, OH 43614, USA
Acceptance Insurance
3606 W Sylvania Ave, Toledo, OH 43623, USA
Coyle Insurance
4052 N Holland Sylvania Rd, Toledo, OH 43623, USA
RBI Insurance Agency & Financial Services
3421 N Holland Sylvania Rd, Toledo, OH 43615, USA
Westgate Insurance Agency
3450 Central Ave #344, Toledo, OH 43606, USA
Rezbanyay Insurance Agency
505 Main St, Toledo, OH 43605, USA
American Casualty Insurance Agency
6060 Renaissance Pl Suite E, Toledo, OH 43623, USA
Jeff Traudt - State Farm Insurance Agent
2828 Central Ave, Toledo, OH 43606, USA
Regan Insurance
3034 W Sylvania Ave, Toledo, OH 43613, USA
Insurance Solutions By Design LLC
7640 W Bancroft St Suite 1, Toledo, OH 43617, USA
Gluckle Insurance & Financial Agency
4452 Heatherdowns Blvd, Toledo, OH 43614, USA
Mann Insurance Group
3005 Douglas Rd, Toledo, OH 43606, USA
Paradigm Insurance Company LLC
5151 Monroe St STE 250B, Toledo, OH 43623, USA
Great Lakes Insurance Partners
5215 Monroe St #15, Toledo, OH 43623, USA
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Frequently Asked Questions — Insurance Agents in Toledo
What is the difference between a captive and independent insurance agent in Toledo?
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 OH?
Search the OH Department of Insurance's online license lookup — Google "OH 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 OH must be licensed with the state.
How much does working with a local insurance agent in Toledo 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 Toledo?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Toledo 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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